WillisBack/dataset-financial-user-claim huggingface dataset:
We applied for a renewal of a {$500000.00} HELOC on our home valued at more than {$2.00} XXXX two months ago with JPMorgan Chase. Our previous HELOC had been partially drawn down and fully paid off before the balloon payment date and expiration which occurred in XX/XX/2018. In the meantime, we have fully paid off our mortgage on our home, so this new HELOC would be in first position. 
Chase responded by saying they could offer us a HELOC only in the neighborhood of {$260000.00} -- and told us that they were " not a collateral lender ''. Basically, in form, in seemed as though they treated our application as an unsecured loan, based only on their conservative estimates of our cash flow, assuming we had no access to any of our other cash or investment assets. For them to call the product they were offering a HELOC was a complete misrepresentation. 

We received a letter dated XX/XX/2018 rejecting our application, giving the reason that it was based in whole or part on our credit rating. We have written an objection letter, based on several reasons in form and substance -- not the least of which is that being rejected by a long-term creditor can only have a negative effect on our credit rating and credit history. Facts of our financial situation include : -- Husband 's credit score XXXX ; Wife 's XXXX on XXXX ; range 320 to 844. 
-- Our mortgage is paid off, so this HELOC would be in first position. 
-- We have had a second position {$500000.00} HELOC with Chase for over 15 years. We have borrowed against this amount and completely paid off the balance, prior to reaching the balloon payment date. Our payment history has been stellar. 
-- We both have pensions ; once husband retires our pension and Social Security income will surpass {$13000.00} per month. 
-- We have paid off our credit cards in full every month for the last 30 years, with very few exceptions. We own our vehicles outright-no loans -- We have over {$500000.00} in stocks and cash ( {$140000.00} deposited with Chase ).

-- Husband is still working and has earned over {$100000.00} so far in 2018. 
-- We own a rental property valued at over {$1.00} XXXX with a mortgage of {$350000.00} and a stable ten-year tenant. Chase did not count additional rental income to that property of {$1200.00} per month from garage tenant, as amounts were paid via bank transfer not checks. 

In addition, Chase responded irrationally to an appraisal which came in HIGHER than expectedby lowering the amount offered as a HELOC maximum, stating that the higher taxes would be a further drain on our cash flow. But, since we are in CA, Prop 13 prevents our taxes from being raised more than a few percent per yearunrelated to property values.
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
We have been working, in good faith, with Nationstar/XXXX to sell our home as a short sale. It has major foundation damage. 
We have produced at least XXXX offers over the past several months. Nationstar/XXXX would not allow the property to sell for market value. 
During this phase of marketing, no one knew the full extent of the foundation damage. 
We had one offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX. We had another offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX There were multiple offers that led to those XXXX accepted offers. During those offers Nationstar/XXXX forced potential Buyers to obtain appraisals, and estimates for the repairs. The Buyer 's spent their funds obtaining the reports and Nationstar/XXXX. The appraisal came in at $ XXXX, as is. 
Eventually, a year later, Nationstar/XXXX acquiesced to suggestions to reduce the price. We received more offers. We had more multiple offers that led to an acceptable offer of $ XXXX. Nationstar/XXXX would only consider lowering their $ XXXX demand if the Buyer obtained another appraisal and an engineering report for the foundation damage. The appraisal came back at $ XXXX IF and AFTER the repairs were completed ( The appraiser said he had no way of estimating the repair due to its severity ) The appraiser also classified the property as uninhabitable. 
Estimates were obtained that ranged from $ XXXX to $ XXXX to bring the property back to an inhabitable status. 
In XX/XX/XXXX, Nationstar illegally filed a Notice of Default. As I understand the law the NOD must be accompanied by an affidavit. In this case, the affidavit stated Nationstar tried, and was not able to contact us. This is obviously a mistake or a fabrication. We have been in constant contact facilitating multiple short sale offers, constant request for updated bank accounts etc., plus we have numerous phone calls logged between us. 
In addition, the affidavit was signed and dated XX/XX/XXXX, the notice of default was dated and recorded XX/XX/XXXX. On top of being false, the affidavit is untimely. Recently Nationstar filed the NOD stating our home will be auctioned on XXXX/XXXX/XXXX. 
This must be dual tracking. 
We have been negotiating more contracts over the past 2 weeks and Nationstar knows it. We have come to terms with one Buyer and have another in backup, for $ XXXX. 
Our Real estate agent claims Auction.com hijacked our XXXX XXXX Ads. They are offering our home for $ XXXX. 
In conclusion, the NOD/NTS should be rescinded or at the very least, the sale date should be postponed. Nationstar/XXXX should allow the sale to go through at the current $ XXXX all cash offer that 's on the table as we speak.
hi.my name is XXXX XXXX. I'm trying to Open a new account with Wells Fargo XXXX XXXX  But they denied my application for some reason For XXXX XXXX XXXX XXXX XXXX. No bank where I applied will open an account for me because of XXXX XXXX.
Calls my home over 5 times a day from 4 different numbers. They are looking for someone who does n't live here and is not associated with my phone number. I just received this phone # a year ago. I told them to stop via email/phone/ and BBB. Want all calls to stop. they have the wrong #
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. 
The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. 
Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. 
The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. 
Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. 
Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process.
Attention to : XXXX Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX  are reported collection account from Receivables Performanc when there is obviously no proof that it even belongs to me! I am not saying this is identity theft, but I am saying is that you are being paid to report all accounts accurately and completely and I know for a fact that you didn't verify this account! Where is the contract with my signature with this Receivables Performanc company? How can XXXX  report this account verified, without contract and without my signature with this company Receivables Performanc? 

Having said this, I need to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. I am certain that I shouldn't have to reference anything because you are required to know the law, but section 609 protects me against false reporting and I should point out here that that is exactly what this is! 

Delete this collection account immediately and send me a new report showing it is been deleted.
I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX
I called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/XX/XXXX
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX has not been able to present any documentation from XXXX XXXX XXXX  stating that I still owe a debt to XXXX  XXXX XXXX.
I need to know how many qualifying payments I have for Public Service Loan Forgiveness. XXXX XXXX XXXX said it would take 3 months to calculate. Then they said 6 months. Now they say a year. I should complete my 120 qualifying payments in XXXX of 2019. In the event that there is a mistake I would like time to fix it before I complete my payments and apply for forgiveness.
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies Experian and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters
My social security number is at risk due to the Equifax leak on XXXX XXXX, 2017. I have requested a 90 day fraud alert with Equifax, but outside of that I could be at great risk for identity fraud.
I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was XXXX in 2001 they have my payoff as XXXX, It is a manufactured home the county only value the property at XXXX. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. 
Thanks
In XX/XX/2017 I was experiencing a great deal of pain in one of my XXXX. I went to XXXX XXXX. After an evaluation to fit me for a XXXX XXXX I was in favor of. The XXXX told me he could not save XXXX XXXX and would have to pull it. He ended up XXXX XXXX XXXX and I was left with huge XXXX in my XXXX. I am very upset about that procedure and I will never go back to XXXX XXXX. 

I went to XXXX XXXX in hopes of getting assistance so I could eat, talk, and smile. After many XXXX   visits I received a XXXX XXXX. It is/was SO very painful. I went back 6 or 7 times to have it fixed but finally was told they were not responsible for the XXXX. 

I talked to an attorney and he advised me and I did take the actions he suggested. I requested a Fair Credit Billing and was told by Synchrony Care Credit that they contacted XXXX XXXX. XXXX XXXX said I signed the sales receipt. Synchrony Care Credit said they can not judge the quality of the services. They release the disputed amount in the XXXX XXXX favor. Also I signed up for a promotion purchase to have the payment and interest rate the same through the repayment of the loan and I am not getting that. That is why I started this whole procedure. I had terrible service and I can not get a repayment plan I was promised ( attached is the statement with the Promotion Plan and my current charges ). The promotional plan is taken totally off my account. 

Can you PLEASE help me get fair treatment at least on the repayment of the terrible service? 

Sincerely, XXXX XXXX XXXX
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
To whom it may concern, I mailed a Multiple inquiry removal letter to Equifax on XX/XX/XXXX by certified mail to dispute information on my credit file in regards to XXXX hard Inquiries that I did n't authorize. This company received my certified letter on XX/XX/XXXX and I received a completed response on XX/XX/XXXX, confirmation # XXXX. The request that I submitted was for the XXXX hard inquiries that were not factual but I received a response saying, " Inquiries are factual record of file access and if you believe this was unauthorized please contact the creditor, '' and it gave the creditors information. According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) it states that any information can be disputed and MUST BE INVESTIGATED and if you DO NOT INVESTIGATE AND RESPOND, the CRA mist delete the disputed information from its files. I received a response to my request 4 business days after they received my request so I must assume that no full investigation on this matter even took place. I 'm in the process of purchasing a home for my family and I but I was told with these many inquiries on my file that it looks like a sign of financial trouble, which that is not the case here. I 'm submitting this complaint due to lack of investigation of these XXXX hard inquiries that I have NO KNOWLEDGE OF NOR DID I AUTHORIZE! After receiving this response on XX/XX/XXXX, I called and placed a Security Alert on my credit file which was in place for 90 days. As of today more inquiries were put on my file even after my security alert that I received no knowledge of which whomever was pulling my file was suppose to contact me directly as stated by the security alert. I called Equifax and spoke with agent XXXX concerning these inquiries again because I had not sign for anything nor authorized anything and he informed me that I COULD NOT DISPUTE THIS INFORMATION I had to call the creditor! This is unfair practices by a credit reporting agency with no concern for the worthiness of a consumer and I 'm very displeased with this company.
My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.
Escrow has been requesting the Payoff Demand from Ditech a XXXX XXXX every other day since XX/XX/XXXX, with NO RETURN Payoff Demand send. 
Ditech has send the owner many packages to assume the loan, which is not what the owner wants to do with her property. 
The property is in Escrow should have closed escrow XX/XX/XXXX and buyer is paying {$5000.00} to extent the interest on their loan. 
The owner has called Ditech and Ditech refuse to talk to her unless owner assume loan.
I recently pulled a copy of my credit reports and found inquiries from Wells Fargo EFS. I reached out to the company on XXXX/XXXX/XXXX, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.
In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!
My experian credit report lists two potentially negative issues. 

( 1 ) A debt to XXXX XXXX company that XXXX submitted to XXXX XXXX XXXX XXXX XXXX. I initially did not pay XXXX because they were billing me {$680.00} instead of {$380.00}. I contacted XXXX about this discrepency and they indicated that they would get back to me ; they never did. Instead, they gave my bill to the XXXX XXXX XXXX XXXX XXXX. I was still not able to resolve the discrepency in the amount owed, and only after submitting a complaint to the CFPB was the balance due adjusted to {$380.00}, at which point I paid the bill in full. However, by the time I was able to get the amount due adjusted, several months elapsed. I was never notified that an investigation was underway by experian or of the negative results of their investigation. 

( 2 ) Experian lists on my credit file an issue with XXXX XXXX XXXX that is potentially negative. The account was always paid on time, never late, and was voluntarily closed by me. This should not be listed as negative.
I was involved in an accident in XXXX which totaled my vehicle. My car insurance paid off {$3300.00} of the car, leaving me owing {$4400.00}. When they received my insurances payment, Santander took it upon themselves to lower my monthly payments instead of using that amount to cover x amount of the loan, leaving me to still have to pay for the next 3 years. Also because of the accident, it has left me in a position where Im making significantly less money. I contacted the company prior to my payments being late, and asked about deferring my loan for 3 months to get myself caught up, but I was told that I must be in default before they would be able to look into a deferment for me. When I was 30 days past due, I requested a deferment again, only to be told that I do not qualify without any explanation as to why. I have had my car loan with them for over 4 years, and have always made my payments on time. Now this is effecting my credit score, and I dont know what to do since Im so far behind that its goihg to continue to reporting 30 days late until I can pay 2 months in a row.