WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for refinance with my current mortgage holder Chase Mortgage in XXXX, Texas. Locked in rate for 90 days in XX/XX/XXXX. I was notified the day the rate lock expired, XX/XX/XXXX, that the title company was unable to secure records showing a secure and clear lien on my home and that supposedly the title company could not provide an estimated time to secure these records so Chase Mortgage decided to let the rate expire. My wife within 2 hours of searching the internet found all the required documentation in the local county 's office website and on a federal website and she has no formal training or background on how to perform these type title searches so surely a title company and Chase should have been able to find it in 90 days. Additionally, there is provision in the law that allows the current lien holder, Chase Mortgage, to execute an affidavit to secure the lien which takes less than 30 days and Chase Mortgage chose not to perform this task as well thereby choosing to allow the loan rate to expire. Additionally, Chase Mortgage was the current holder or the lien and had secured a previous title policy securing the lien in XX/XX/XXXX so Chase knew the records existed and should have had clear record of this information since they were the current lien holder. Now, Chase mortgage is refusing to honor the original refinance rate, refusing to reimburse my earnest money, refusing to reimburse my appraisal fees, and not returning my calls or emails. I have secured all the proof that Chase and the Title company had access to this information but failed to secure it so they could let the rate expire and keep my at my current rate. I am requesting that Chase honor the existing refinance rate of XXXX and finish my refinance per the original contract agreement. My Chase contacts are XXXX | XXXX | NMLS ID XXXX | Mortgage Banking | Chase | XXXX, TX XXXX | Office : XXXX | Fax : XXXX | XXXX XXXX |XXXX | NMLS ID XXXX XXXX Mortgage Banking | Chase | Office : XXXX | XXXX
My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX
XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.
My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.
On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. 

I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX  XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. 

I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. 

There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.
RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.
The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.
I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX closed XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
Mendelson Law Firm has threatened to take legal action against me by filing a lawsuit for a debt I " allegedly '' owe a credit card debt. I have asked them to provide LEGAL and VALID proof of the debt. They have NOT provided me with proof that this debt belongs to me. In response to the first validation request, they presented a " Bill of Sale. " The printing of a Bill of Sale does not support adequate documentation or validation. I then requested actual and adequate validation of the debt. I have the legal right to request Validation under Fair Debt Collection Practices Act. They have NOT responded to my request with adequate proof. Not only have they failed to validate, but they have also continued to report this information WITHOUT proof to the Credit Reporting Agencies. Thit is not only Defamation of Character, but a clear VIOLATION of the FDPA, as well as the FDCPA. They have not provided me with any contract between their company and myself. They also have not provided me with a contract between me and the " creditor '' XXXX XXXX XXXX. Seeking payment from me, and requesting that I attend court for a debt that they " claim '' I owe is absurd.
Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
In XXXX we received our XXXX from US Bank, and filed our taxes. In XXXX we received a corrected XXXX although it matched XXXX received in XXXX. On XXXX XXXX, 2016 we recieved letter stating both XXXX were incorrect and we would receive a corrected XXXX in XXXX to 15 days. On XXXX XXXX day XXXX from letter I called and was told they had still not been done and they would be mailing soon. Although no date has been set. In addition US Bank had been overcharging us on XXXX XXXX Taxes. I called to have our file reviewed and 3 times they closed or went past due date to refund us our overage in our Escrow account. It took many calls and each time they danced around and are still holding over a 2 month cushion in my Escrow account. They keep saying they are holding 2 months extra of Homeowners Insurance. They do not pay that, we paid for one year in our closing and pay out of our own pocket each XXXX. Morally this company is holding overages on Escrows, not responding or mailing out forms in a timely manner. We will have to refile our taxes and yet ca n't even seem to get our corrected XXXX. Please help the customers of US Bank I am sure I am not the only XXXX they are doing this too. They need to be investigated and audited. 

Thank you XXXX XXXX
I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
On XX/XX/XXXX, our checking account # XXXX was closed with no explanation or no noticed.The account was in both names XXXX and XXXX.with Bank of America.After numerous visits at headquarter without any resolutions.. I made many calls to the Compliance department, customer services via phone center and online Customer Resolutions department. and several phone calls to XXXX XXXX XXXX in Customer Resolution. XXXX XXXX last conversation XX/XX/XXXX stated he reseached and the accounts are closed, and restricted and he could not help me further. All phone calls were recorded and a paper trail exits in the Bank of America banking system.Each conversation was typed in their system. I have copies of typed on-line complaints I made to the Bank of America..We have XXXX children and in need of our money approximately over {$7000.00} as soon as possible.
I called Chase Auto Finance on XXXX XXXX, 2016 to get the payoff amount and to begin the process of purchasing my XXXX. The lease ended on XXXX XXXX, 2016. I was told that I needed to call back in 48 hours to get the final payment amount. I called back and was told the Lease End Vehicle Remarketing Department had not sent the payoff amount to the Lease Department. On XXXX XXXX, I called again and the Lease Department requested the payoff amount to be sent to them. The payoff amount I was quoted included a fee because I had requested the payoff after the end of the lease. This was not true as I had initially requested the payoff amount on XXXX XXXX. After working with a supervisor, they reduced the payoff amount so that I did not have to pay the late fee. On XXXX XXXX, the automatic monthly lease payment was taken out of my bank account. This was after I had requested the end of lease purchasing agreement and submitted the payoff amount. I called Chase Auto Finance and was given two different reasons as to why the monthly payment was taken out. First I was told that I needed to access my online lease account and cancel the monthly lease payments. I am concerned that Chase Auto Finance continued to take payments out of my bank account after the end of the lease. During a phone conversation with a supervisor on XXXX XXXX, I was told it is the responsibility of the consumer to cancel those payments on their end. I was never told that I needed to cancel the payments and can not find anything in the lease agreement directing me to do this. Next I was told that the Lease Department had not yet released the title to my car because the check I submitted to purchase the car was short. The check I sent Chase Auto Fiance was the amount that I was quoted by their Leasing Department and is documented in a letter e-mailed to me.
Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).
Wife & I called XXXX XXXX, ( XXXX XXXX XXXX - XXXX, VA XXXX ( XXXX ) XXXX ), couple of months ago about a hard inquiry, which we of course understand that it was because of accounts we opened through them. however as it should drop our XXXX XXXX " a few points '', mine, through XXXX dropped a whopping XXXX POINTS.
The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true
In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX
Me and a friend of mine XXXX signed a lease agreement she was head of household and i was just a tenant ... We had mold in the house i had a XXXX ba y with XXXX son that continued to get sick off the mold we complained for weeks at a time i habe papers from my childrens doctors that due to the mold my children were having allergic reactions we put in a 60 day notice to vacate the property due to lack of maintenance and saftey hazards for my children i had to vacate
My account balance with XXXX XXXX XXXX is {$0.00} and has been for nearly a year now. TransUnion continues to misreport my account even after sending confirmation and proof showing balance is {$0.00}. Multiple complaints filed with TransUnion and they refuse to correct the reporting.
On or about XX/XX/XXXX I submitted a form by certified mail to TransUnion attempting to initiate a credit freeze on my TransUnion credit report. Enclosed with the filled out form was a photocopy of my current Kansas drivers license and a check for {$5.00} ( ck # XXXX ) drawn on my personal XXXX XXXX account. I subsequently received a letter from TransUnion, dated XX/XX/XXXX- file # XXXX, stating my request was denied because only one form of proof was provided, and that if I called them at XXXX I could complete a verbal authentication process and my records would be updated to show my current mailing address. Following this advice I called the number. The CSR did n't authenticate my identification but told me that he could accomplish the credit freeze right then and there if I provided him with a credit card number so he could process a charge for {$5.00} to cover the cost of the freeze. I explained that I had already paid his company the {$5.00}, but he insisted that if I wanted the freeze I would need to provide a card number, which I then did.
Upon receiving my credit card and bank statements this past week I noticed that TransUnion had in fact charged my credit card {$5.00} as well as cashed my {$5.00} check. I called the company and explained this and asked for them to issue a {$5.00} refund. After an extended time on hold, while the CSR conferred with someone else, I was advised that in order for them to issue a refund I would have to provide them with my bank statement showing that my account had been debited. At that point I attempted to impress upon the CSR that I had no intention of providing TransUnion, a company that collects and sells personal private information about American citizen on the open market, with my bank statement, and that if they wanted to verify that they had cashed my check they could examine their own bank statement or related accounting data. This argument did n't seem to phase her and that is where we concluded our conversation.
Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary.
United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.