WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and his wife bought his house on XX/XX/XXXX, after that they refinanced his loan ( XXXX ) on XX/XX/XXXX. As a result of supposedly a bad procedure when the agents recorded the certificate of satisfaction of the previous loan and the new loans, XXXX never recorded the release of his lien. 
Mr & Mrs XXXX were not aware of the mistake and about that they had a pending remaining balance, until they received a FORECLOSURE letter with sale date scheduled for XX/XX/XXXX. 
They were desperate and on XX/XX/XXXX filed Bankruptcy chapter XXXX ( case # XXXX ) to keep their home, the chapter XXXX plan was confirmed and the bankruptcy completed. 
During the Chapter XXXX bankruptcy XXXX obtained the loan modification with XXXX XXXX on XX/XX/XXXX. The principal balance originally was {$13000.00}, the Loan Modification capitalized the arrears, and the new balance after modification is {$23000.00}, then after the loan modification that started on XX/XX/XXXX. He made ALL THE REQUIRED PAYMENTS. 
But during the last 6 months the loan was changed 3 times of name / servicer, and the present servicer SN Servicing Corporation, sent a statement informing that he is behind and will add fees and will foreclose the property. A representative ( XXXX ) called XXXX frequently trying to collect the payments and trying to add late fees. 
Copies of the payments are attached and the letters received. Please note that XXXX sent a money order that was never reflected on his statement and he had no option that send the payment again.
Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..
Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.
Navient doubled the balance of my loans on my XXXX CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.
A Chase Amazon credit card was opened under my name. When I contacted Chase about this they closed the account and said they were going to send me a brochure about fraud. I took the steps to place a flag on my SS number and filed a dispute with the XXXX major creditors. I sent a follow up letter to Chase requesting copies of all business records related to the account. After 30 days passed, i received a letter from Chase stating the account was deemed fraudulent and they were working with the creditors to get this removed from my credit report. When I called to ask about the letter I sent requesting business records related to this account it was apparently sent to the wrong department and it would be directed to the correct department. I would also like to add that the fraud investigator told me that she is unable to provide any information regarding the investigation and that my sheriff 's office needed to contact them to get the info. My sheriff 's did a police report, but since the account was opened online there would be no investigation from them. 2 weeks later I received a letter from chase with the info that was used to open this account. The phone number, income, email address ( invalid email address I may add ) and mother 's maiden name were all incorrect. I already have a Chase freedom card, so would n't the fraudulent application be flagged since the majority of info was wrong? I requested actual copies of documents, not info typed in a letter and I feel there is more information related to this account that they are not sending me.
i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
I previously contacted a creditor listed twice on my reports ( XXXX XXXX XXXX ) after I had disputed the listings on my report ( significant errors on listing, conflicting information, incorrect reporting ). I used the address listed on my Equifax credit report to contact XXXX. My letter to XXXX came back as undeliverable, that the address was no longer valid. I contacted Equifax and disputed the tradelines as a result, including copies of the certified letter which was returned and the certified slip from mailing. Equifax purported to investigate the dispute in a week 's time, and advised that they confirmed that the listing are correct. They also advised me to contact XXXX directly AND PROVIDED THE SAME INVALID ADDRESS shown on my credit reports to contact XXXX ( the address from which my prior certified letter was returned ). Clearly they either ( 1 ) did not investigate the dispute in any real fashion, or ( 2 ) XXXX continues to submit incorrect information to Equifax. I am uploading ( 1 ) a copy of my dispute letter to Equifax , ( 2 ) a copy of the letter sent to XXXX which was returned to me as undeliverable, ( 3 ) a copy of the letter I had written to XXXX ( which was undeliverable ), and ( 4 ) a copy of the dispute results provided by Equifax. This has been a frustrating endeavor which has harmed me and resulted in the denial of credit.
There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.
KAB also known as Knights Adjustment Bureau has been informed to cease and desist contacting my telephone and to send correspondence only by mail, yet have reached out to me after being informed they would received an affidavit with a follow letter by certified mail with GREEN reciept of the police report. The XXXX has to finish the identity theft investigation after all fraud and identity theft investigations have been completed as instructed by the detective working on the case. KAB has failed to respect under federal law the " Fraud victim Bills of Rights '' which they have obviously failed to comply to so far. I informed KAB recently that I would get the CFPB involved since they feel they are above the Law in this matter.
Sears Citicard changed their terms and conditions in XX/XX/XXXX on a credit card I opened in XX/XX/XXXX. I was informed on XX/XX/XXXX that this update meant that they could soft pull my credit and lower my credit limit as a result. I have been working hard to pay this card down. They lowered my credit limit from {$970.00} to {$450.00} after I made a big payment and was told my credit limit would not be lowered. This credit card is keeping my credit utilization reported at 89 % ; thereby negatively reflecting my credit history. It should be positively affecting my credit history if I am making consecutive, big payments. My credit limit is now {$51.00} from the maximum instead of {$650.00}, even though I have no delinquencies for this account on my credit. I was told by the supervisor, XXXX that if I pay it down more, it will likely lower my credit limit. This appears to be discriminatory in that they are lowering my limit every time I make a payment. They are also continuing to make my credit history look poor by keeping my credit utilization at a high percentage despite my making high payments that are on time. These practices appear unethical and punitive when I am honoring my part of the agreement with my credit card. If they close my account as soon as I pay it off, they are further harming my credit, even though I followed all of the rules. I would like this reviewed for unethical conduct and I would like the person who directly lied to me about my credit limit not being lowered to be researched. I made sacrifices in order to make such a heavy payment and I could have made this to a card that was not going to consequence me for doing the right thing.
This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX  and XXXX  but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
This debt is for a closed account. The company will not submit documentation to owner of the loan ( myself ) with proof of payments. Furthermore, I have documentation ( bank statement ) of a {$3000.00} payment made by the cosigner of the loan in 2014 which can not be located by the company Navient. At this time, I have been requesting for years all of the documentation listed below : Preferably all documentation pertaining to XXXX XXXX XXXX. If for some reason this is too difficult, I 've singled out several key items : Monthly Financial Transactions ( Statements for each loan ) Documentation of Defaulted Status Principle and Interest Payment Documentation for receiving of payment in 2014 Loan Status Marked as Delinquent for XXXX credit status - Requesting documentation of change from Default Status to Delinquent status. Please mail these documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at XXXX. XXXX - XXXX
In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.
My business severed its relationship with Bank of America in early 2016. At the time, we had a {$0.00} balance on all of our accounts. In XXXX of 2016, Bank of America sent us a collection notice for merchant services. 

We informed Bank of America at that time that the debt was invalid and that we do not have any open accounts with the bank. 

Bank of America provided no response to that letter, but today I received a collection notice for merchant services. 

I have enclosed our correspondence with Bank of America for your reference.
I have been working with Select Portfolio Servicing. They are my mortgage lender. I have been working with them since late XX/XX/2018 on a mortgage loan modification. 
The reason that I requested this is that they increased my mortgage payment to XXXX. This is an increase of over {$200.00} over my previous mortgage payment with them. I just can't afford to pay this amount every month on a consistent basis. 

Starting in late XX/XX/2018 I applied for the modification. I provided the documentation for this loan modification multiple times to them. For example, I have provided the signed lease agreement ( I am renting the property ) twice. Also, I have provided two months of my checking account statements to them at least four times. These statements included notes about rental income, income from work, etc. I believe that I am getting stonewalled by the company for this refinancing. Every time that I have called them there seems to be a request for something that I have already provided. Also, they have recently started replying to me by mail. This, I believe, is another delaying tactic. They are in XXXX XXXX XXXX, XXXX  and I am in XXXX, XXXX. So it takes about a week for the letters to reach me. They have told me at least twice that they have all the information they need to make a determination about refinancing. 

I am very frustrated with this situation and I am seeking your help to resolve it.
I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.
XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.
I requested SCRA benefits for my Citi Platinum account that I acquired before I joined XXXX XXXX on XXXX XX/XX/XXXX. I acquired this account in XXXX with a credit limit of {$2000.00}. I was told that my benefits were approved but because the card was charged off, there were no adjustments made. The date the card was charged off was XX/XX/XXXX. Payments were still being made to the account and the last documented payment of {$140.00} was made on XX/XX/XXXX ( verified by the customer service representative today XXXX XX/XX/XXXX ) which put my account at a {$0.00} balance. They could not tell me the amount of the charge-off because of the account being closed but assured me that I had a {$0.00} balance. When I asked the SCRA department how did they get this information as I was expecting an adjustment ( interest rate was 28.99 % ) with the account being at a {$0.00} balance since XXXX, they said that they went by my statements. I ask about that because I was told they could not retrieve the statements so how could they verify that an adjustment would not be made to my account. I have tried to call customer service multiple times over the past month ( I have a copy of phone to show the amount of calls ) about obtaining my statements and called today to acquire my statements since that is what I was told by the SCRA unit was used to make a determination to be told that because the account is closed that they could only provided me with a {$0.00} balance statement and they do not have the statements to provide me.
We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.