WillisBack/dataset-financial-user-claim huggingface dataset:
I was woken up by a call from Chase this morning at XXXX am XXXX. 

On XX/XX/XXXX, XX/XX/XXXX I have submitted XXXX separate loan assistance applications to JP Morgan Chase. My condo is located in XXXX, Illinois. 

I received an additional request for documents on XX/XX/XXXX from the Loan Assistance dept XXXX XXXX XXXX, my SPOC. I complied with this request. Since then they have been requesting for additional documentation to delay and deny assistance, every time a slightly different request only over the phone but without putting it in writing. 

I have sent the bank XX/XX/XXXX, XX/XX/XXXX Tax transcripts with full Schedules that indicate negative capital gains, negative negative rental income and negative business income on a business that has been disssolved as of XX/XX/XXXX. I have sent them my condo rental agreement. I have sent them my bank statements. I sent them my food stamp award letter. 

I have had no written request for any other documentation from XXXX since XX/XX/XXXX. On XX/XX/XXXX I sent XXXX a written request for forbearance, which she has ignored. I had informed XXXX in writing of my likelihood of default but she did not care. 

Via a letter dated XX/XX/XXXX from the Executive branch they requested the following documents : 1. Two months transaction history ( EBT ) for proof of receipt of food stamps. 
2. One month bank statement for all stocks and bonds. 
3. Tax return from the previous year, including all schedules or other proof of business failure. 

I believe I have submitted evidence of hardship. I have no net-income producing assets at this time. This is self-evident from my Tax transcripts. The request for 2 months of XXXX transactions is humiliating as well as offensive and discriminatory and a violation of my personal privacy. 

XXXX before XXXX California PST, I was disturbed by Chase calling about my loan. I spoke to XXXX XXXX who works in the loan assistance dept with XXXX. 

I asked to speak to the Supervisor and they escalated my call to XXXX XXXX. XXXX then transferred me to XXXX XXXX in the Collections Dept. 

XXXX told me that since I have not paid my mortgage payment for XX/XX/XXXX, I will keep getting harassed for payments. His conduct was very threatening and obnoxious. I told him XXXX had ignored my request of XXXX XXXX, XXXX for loan forbearance and he should follow up with her. He created Case # XXXX. 

I got a call back from XXXX this morning XX/XX/XXXX. XXXX once again is demanding documents but a completely different request from the one communicated by the Executive office on XX/XX/XXXX and she has a whole bunch of reasons for this request and a new request every time I speak to her. 

However, XXXX makes new demands for documents over the phone but she says that it is not the practice of the bank to put such requests in writing. If XXXX has a legitimate request for documents she needs to put that in writing. 






I sent a letter to Chase to my SPOC on XX/XX/XXXX requesting a forbearance. They have n't responded back to me.
I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.
I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.
I was at the dentist office having work done and they noticed that I needed XXXX and other things. So, they provided me with a quote and offered care credit. Mind you, I was on XXXX provided by the dentist at the time. So, we just filled out the application. The only way the credit was described to me was that there would be no interest for an allotted time and after that, there would be applied interest. There was no explanation of a " deferred '' interest. I pay my account through the phone app and have been paying it ever since. I happened to log on a few nights ago and thats when I found out the deferred interest that was applied about two months ago. So, in efforts to help myself and help get this paid, I called care credit and spoke to a representative and an account manager who informed me that there was nothing they could do. I told them that I could not afford the interest that amounted to almost the same amount or more than the actual credit owed. They told me that there was nothing they could do and it was not their fault that it was not explained to me correctly. My complaint other than them not being helpful is that when they are going to have a third party company " sell '' their credit, they need to explain it just as a creditor would or the " product '' is not being sold how it should be.
I am writing about the discrimination by Bank of America and XXXX XXXX who are about to move forward with actions against the lawful financial activities of lawful American gun businesses to try and destroy them. This should not be allowed to happen under the law of the land The United States Constitution.
XXXX XXXX - XXXX  {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
In XX/XX/XXXX I received a phone call from a company stating that I was eligible for the loan forgiveness program. I was told that my payments would be {$180.00} which was how much my loan repayment was at the time. They stated I would be with XXXX. On XX/XX/XXXX my account was charged {$39.00} from Equitable Acceptance Corporation. However, XXXX charged my account for the first time on XX/XX/XXXX. XX/XX/XXXX was the last time Equitable Acceptance Corporation received a payment from me due to their website not allowing me to update my new bank information. In XX/XX/XXXX I attended a loan forgiveness seminar to inquire if I was in a legit loan forgiveness program. I was told that XXXX was a legitimate company and one of the best. However, they explained to me that they had never heard of Equitable Acceptance and that the loan forgiveness programs are free to enroll and this company should not be taking money in addition to my loan repayment. The facilitator also informed me that I should contact XXXX to see if I have an actual account with them. I was able to contact XXXX and verify that I did have an account. I believe Equitable Acceptance Corporation is illegally taking money from my account since loan forgiveness programs are free to enroll.
The below paragraph from you Seterus, Inc. from the response of the complaint XXXX The amount disclosed on the Notice of Intent to Foreclose consisted of the XX/XX/XXXX, and XX/XX/XXXX, contractual installments each in the amount of {$1100.00} minus the funds in suspense on XX/XX/XXXX, in the amount of {$210.00} which equals the amount of {$2000.00} disclosed on the notice. As of the date of this letter, the loan is contractually delinquent for XX/XX/XXXX, installment in the amount of {$1100.00}. 

I have attached XXXX and XX/XX/XXXX Bank statements proving AGAIN I did not owe Seterus , Inc . The mortgage payments were transferred by ACH. These complaints are not about the XX/XX/XXXX mortgage that is not paid. This is about returning my money overpaid to Seterus back in XX/XX/XXXX. My bank statements are proof that I was paid to date! I am NOT going to continue to send bank statements to prove to Seterus I am paid. I do this with no one I pay! POST your ACH payments when paid and I want my money returned for the XX/XX/XXXX cashiers check for {$2000.00}. You are not going to keep my money.
My name is on a mortgage still owned by by ex-wife. She did not receive notice of a change in escrow. Her payment was on time but was short by {$140.00} dollars and late only until the error was noticed ( about two weeks ). The bank refuses to remove the " over 30 '' hit to my credit report. the over 30 hit on my credit is making it impossible to refinance my new property which I need to do by contract before XXXX 2017. Her payment was on time and has never been missed. She did not receive notice in change in escrow and therefore was short by the increase in escrow change. The payment was on time and the " over 30 '' hit on my credit will make it impossible for me to refinance before XXXX 2017, causing me severe financial harm to me and possibly the loss of the building which was owner financed with a 2 year window to refinance.
Opened a Chase XXXX Prepaid Card onXX/XX/2018 and loaded {$200.00} to start. Once I received the card I loaded another {$400.00} on XX/XX/2018. This card was to serve as a card on a shared gym account payment and a way for both of us to load money to it while getting XXXX credits. He went to load money on it and it gave him an error, I called Chase and they advised they were having system errors and to keep trying, no issue with my card. We continued to try through XXXX with no success so around XX/XX/XXXX we went into a Chase branch and they advised the card looked like it was closed. I spent an hour on the phone while there with Chase Customer Service who looked it up and said I meet all the parameters, I had the online account and she called her collections dept and she verified I had no collections with them so there was NO REASON this account should have been closed but it was, and I would receive a check in 5-7 days for my {$600.00}. XX/XX/XXXX, still no check so I call and demand to know what is going on-AGAIN. Some escalation team lady called me back and tells me the account was NOW JUST CLOSED on XX/XX/XXXX and there will NOW be a check being mailed to me. I again asked her WHY it was closed and she had no answer. Today XX/XX/XXXX she calls back saying that I logged in on XX/XX/XXXX and then the next time was XX/XX/XXXX, they ran some " script '' on XX/XX/18and because I wasnt logged in " enough '' they closed it. This makes ZERO SENSE! AND, if they in fact closed it THEN, then WHY have I not received my money yet and why was I not informed or contacted regarding ANY of this nor informed when I called in numerous times trying to load money. This is not right. I also contacted XXXX who had nothing to say about it and referred back to Chase. Who is accountable for this, I met all the parameters, did everything in the contract for the card, and I am still out {$600.00} which is supposedly being sent to me. This is unacceptable.
When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.
I had 3 auto loans with the same company. All loans were paid and closed in 2013. The date of last action on my credit report should be between X/2013 and XX/2013 however i just got notice from Experian that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
I started the home buying process with Keller Mortgage. I was told they would pay my closing costs and prepaids and had various other items they would take care of for me. When I found a home for {$85000.00}, they told me they were not able to assist me with my closing costs as the loan was not profitable enough and they advised me to seek another loan with another company. 

I feel this is deceptive and they are only marketing this " paying of closing costs '' to those loans {$150000.00} or higher, as mentioned on their website. It is almost like they are redlining, in that they are steering away from the lower priced homes and not offering the same benefits to those people like me.
I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. 
First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. 
As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. 
I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.
Repeated calls from the number XXXX and XXXX. No voice mail left. When attempting to call back, automated response of " we can not transfer this call at this time. please call back at another time. ''
A rental property manager and collection company for a landlord made collection attempts. A debt verification demand was sent and the collection company listed repairs done on property. A specific demand for receipts and invoices were repeatedly demanded and the collection company has failed to respond. Almost two years have passed and the derogatory credit reporting concerning this matter still remains on consumers credit reports.
My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy
This is our 2nd complaint. We thought we were working with Wells Fargo to resolve this issue when all of a sudden we have been told they were foreclosing on us. Our biggest frustration with Wells Fargo is how long it takes for them to communicate anything. We get them the documentation they ask for the day they ask for it and then weeks later we are told they received it. We know this is not true. They tell us they will call us on a certain date to discuss our situation and then when they call they tell us they are still researching. They delay things for weeks and months at a time until it 's too late to do anything according to them. They are now telling me I do n't make enough money to qualify for my payment ... this is not true. As of XXXX/XXXX/16, my year to date income was {$17000.00} from my job ... .my VA XXXX is another {$490.00} a month ; my liabilities ( besides my house payment ) are only {$730.00} monthly ; my house payment is approximately {$1800.00}. Everything else has been paid off. 
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.
I was late 3 days on a payment and as a result Wells Fargo did not apply payment to my HELOC. No attempt was made to call me until late XXXX at which point the account was past due and late fees where added. Had WELLS FARGO atempted to call me the payment of {$130.00} would have been taken care of. I deposited {$150.00} to be taken out automatically like always that check cleared my bank account on XXXX/XXXX/2016 .The overdraft fees and late fees blew my payment up over {$40.00}.
LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.
XXXX XXXX pulls the payment every two weeks directly from my bank account. When this happens they send me a message telling me what my new balance is. What they do NOT tell you is that is only the " principal '' balance not the actual balance left owed. I made a XXXX payment today ( XXXX XXXX, 2018 ) I called the company to make sure that the XXXX went straight to my principal balance and I was told they do not " do that '' sort of payment their. Every payment I have made to them they are using about 10.00 of that payment for the " principal '' balance. This place should NOT be able to do this type of stuff. The amount of interest they charge their customers is unreal!! I will never ever take another loan from Speedy Cash!
I contacted US Bank for a $ XXXX investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, XXXX XXXX ( Originator ) and once XXXX received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give information I had to make sure to follow up with additional questions, as he was not forthcoming and transparent with the information that was eventually extracted. When the information was finally given, the credit report was pulled, tax returns were submitted and the loan was ran through the system and approved by the system as well as the supervisor. The week ended with him saying on a Friday that he was going to get started on the closing paperwork since the system approved it. The loan was then sent over to XXXX XXXX ( Loan Processor ) she proceeded to tell me the following week that the loan was not approved. I asked " why ''. She stated the income was not there, which being self employed and the deductions that were taken was said by XXXX that they were able to calculate some of that income back in, hence the approval by the supervisor and system at 25 % down. I asked by who and she stated " us ''. I asked her " who is us, was it the underwriter? ". She replied " no, me ''. I proceeded to tell her that something did not seem right, that she is acting as the underwriter without the underwriter ever seeing it. In addition, the loan was already ran through the system and approved, both manually by a supervisor and the system itself, this should be sent to the underwriter. Meanwhile, all this has taken three weeks just to get to this point, I submitted everything to them immediately, it has been three weeks of waiting on them, not getting any/or clear answers on anything including basic disclosures.
inquiries that was once deleted is back on my credit report and i would like for them to be removed. i was not sent any nofication stating they would b put back on.