WillisBack/dataset-financial-user-claim huggingface dataset:
- I am in the military as a reservist and ended up going on  XXXX   XXXX  for a period of time  XXXX ,  XXXX  and  XXXX  while  Chase  held my mortgage loan.    JP Chase  had my mortgage with an interest rate of 5+ but under  6  percent.    JP Chase  offered to lower my mortgage interest rate to  4  percent which they advised they do for all service members that end up on  XXXX   XXXX  orders. Soldiers & Sailors Relief Act I just received a letter from the IRS that I owe money for unreported income  JP Chase  NEVER EVER advised that while they lower your mortgage interest that they report it as income at the end of the year.   -- what would be the purpose of having your loan reduced if they are going to slam you at the other end. The  1099 Miscellaneous sh ould have been a 1099C ( debt reduction ) as they are saying they are offering the military a benefit.  <P/> This is outrageous and not explained by the folks you speak with on the phone.   Chase offers themselves to be such a military friendly organization. You submit your orders and that is all they require.  <P/> I do n't feel that I had unreported income, this was an offer on their part of offset a debt.  <P/> /r  XXXX   XXXX   XXXX
I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.
Two paid medical accounts from XX/XX/2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TransUnion & XX/XX/XXXX, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at TransUnion and XX/XX/XXXXhave dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with XX/XX/XXXXbut TransUnion 's online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both TransUnion and XX/XX/XXXX. The documentation from XXXX is attached. 

I want TransUnion and XX/XX/XXXXto delete the information immediately and update my scores.
I checked my credit report only to find out that my identity was stolen XXXX auto loans from Exeter finance and XXXX and a loan from XXXX bank. I contacted each XXXX of these places and made them aware that these accounts was fraudulent opened in my name. I made a police report and submitted to each company and all XXXX credit bureaus and it 's been well over 30days and I have not received a response
I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
They called me at XXXX PM CST for someone's debt told me they had legal papers, for a person not me. I asked them to stop calling me as I am not the person. I then hung up, they called back and left voice mail at XXXX, then at XXXX PM they called me back again I ask for a legal address so I could in writing ask them to stop and they would not give it to me, Hung up on me 3 times then blocked my number.
XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.
Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.
On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.
Capital One admits error in stopping payment on a close out check sent to myself on XX/XX/XXXX, they reissued check which was intercepted by someone else while I was away and cashed. However, they refuse to reimburse me for lost funds which they still owe me. The check amount is XXXX plus overdraft fees incurred as a result of stop payment error, documentation of these fees was previously emailed to an address provided by Capital One manager ( s ), no response received. A copy of the cashed check in question was received by myself, I had requested a copy from a manager ... The signature on it is not mine and Capital One knows this, they have a signature on file form I believe, they still refuse to do anything. They refer me to security intake team whom does not return calls, the same for a XXXX XXXX, she leaves her number in previous replies to CFPB but has not returned one message out of seven ( 7 ) left so far. She refers to a previous check deposited via mobile app from a XXXX XXXX whom I do not know, this is the same person who signed check in my name, cashed it. The check she refers to I have no knowledge of and has nothing at all to do with forged check, this appears to be a lame attempt to avoid reimbursement of lost funds which again, is in their error. She requests additional copies of documentation showing overdraft and return check fees, refers me back to security intake team whom does not return calls/messages, the same for herself. As anyone can plainly see, this is a mere run around which is a shame as this matter wont go away. Suit will be filed unless Capital One will reimburse for lost funds
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on Transunion and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX XXXXXXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! 

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!
I have several complaints about Equifax. 

1- I have repeatedly filed several complaints ( over 2 years ) using Equifax 's online system to have them remove the suffix of XXXX off my report.. Every time I ask them to do this, they provide a confirmation number and tell me it will be removed in 30 days. They send me emails that say the fix has been completed, but it is STILL not fixed. Instead, my profession as a XXXX and an XXXX XXXX were omitted off my report. I did n't ask them to do this!! 

2. Prior to submitting the complaint to remove the suffix XXXX, my credit score was in the XXXX. After Equifax sent me a confirmation stating they removed the XXXX ( which they did not ), my credit score dropped from XXXX to XXXX without any reason on why. XXXX and XXXX both still reflect the accurate same score of the XXXX. 

3 - In XX/XX/XXXX, I requested that Equifax send me a monthly credit report. The charge of {$19.00} was more than I wanted for my budget, so I called in and requested they cancel the subscription. They convinced me to continue and they would reduce my price to {$9.00} a month instead. I accepted. In XX/XX/XXXX, I received a bill increasing my monthly subscription fee to {$19.00}. Customer service did not verbally explain to me or send me email stating that the price would increase to {$19.00}. It was explained that my regular monthly payment would continue at the {$9.00} until I cancelled it. 

My private data was breached and what appears with my name is not accurate using XXXX. I tried calling in to get these issues fixed but no one fixes them. I only get a confirmation number and I get switched around from customer service rep to customer service rep. 
These things are affecting my ability to buy.
BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.
Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!! 

The banker is cheating and I also feel very frustrated. Could you help me dealing with this?
I refinanced my XXXX XXXX ( XXXX ) with XXXX and they paid on XXXX XXXX, it off on XXXX XXXX. XXXX sent the monthly bankdraft payment through my my checking account on XXXX XXXX. The {$1200.00} drafted through my account after they were paid off by XXXX XXXX. I talked to several people in the XXXX FINANCIAL ERVICES AND I WAS TOLD IT WOULD TAKE 21 DAYS TO REFUND MY MONEY.
On XX/XX/XXXX I noticed an unauthorized transaction in the amount of {$1200.00} on my checking account. I called my bank, Ally, to open a dispute and they advised they had and that I should be receiving paperwork to fill out and return to them soon ... 5 days later nothing had arrived and I checked online and they are showing my dispute as " closed '', I called they assured me the documents they want me to fill out should arrive soon ... 7 days later I can still the dispute still showing " closed '' and no documents have been received in the mail. I called back, the bank representative said he wasn't sure what was going on so I asked for a supervisor, the representative put me on hold for 20 more minutes and eventually just hung up on me ... I'm over a week in, multiple phone calls and hours on hold, and I don't even know if they are looking into this dispute or not.
In the month of XXXX i was expecting a deposit from a XXXX XXXX after receiving double debits to my account the bank requested that i open a new checking and savings and close the checking account and take the money that was in there out at this point the depositor is XXXX XXXX after the remainder of my funds were received and carried over to the new checking account because of the double debits a hard hold was put on my account until it was fixed requested by me. There was a deposit that came from XXXX XXXX which i have proof that hes the depositor someone then creates a depositor by the name of XXXX XXXX  and says that they received the funds out of my account which after getting a letter from this merchant it is showing that someone created the check situation to steal he funds out my account the merchant listed has wrote a letter on my behalf stating that they never had my account info at all and did not receive funds out my account also also there is a wittiness from wells Fargo bank who heard he debit thefts from my card i want a refund back into my account for the stolen funds
My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.
My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.