WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. There was never a written documentation specifiing this issued for what we strongly agreed that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase had errouslly and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts ' the borrowers are now looking for a settlement in regards to this loan. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.
my account on social security was changed to Wells Fargo account for my XXXX check to go into called Wells Fargo get run around called social security sill run around my check hs not been found as of today XX/XX/2017 this is second check XX/XX/2017 XXXX took all my money from check and returned XXXX illegal gar need my check what all my money return enclosed is letter from the Treasury
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Company still reporting against the statute of limutations for 10 years + to credit bureaus.
XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.
Receivable Performance Management did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.
Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.
XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.
I received a copy of my credit reports and noticed a collection account from Coast Professional Inc. on behalf of XXXX XXXX XXXX University. I contacted them and the credit bureaus to inform them that the debt is not mine and an account was created fraudulent and without my knowledge. I requested that the incorrect and verifiable collection be removed immediately.
Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX/RESURGENCE CAP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my account.
Transparency in their Marketing Material - Bait & Switch. 

Sent me a piece of mail on XX/XX/XXXX with the caption - Escrow Refund Benefit Allotment Notice. 

I assumed my escrow had extra funds in it and i was going to get a check back from them. It tells me about " Your Economic Benefit '' and that this is a VA-1211 Benefit Allotment Notice. 

It tells me that my new payment has been calculated to {$1300.00} and that i needed to call them to reserve this figure. 

Then in big black letters it tells me i have an " EST. ESCROW REFUND AMOUNT : {$3200.00} ''. 

So i call the number to see what's up, no one picks up - so i hang up and within 30s i get a text from a guy named XXXX XXXX NMLS 237073 ( only reason i know this is because he took a picture of his business card and texted it to me ).

While i was reading his text, i look back over the mailer because something didn't seem right and started reading the super small fine print, which was a whole 3 lines ... and it tells me that they this is not a refund of any sort, but that they would  change my loan to a 2.75 % 3 year ARM ... XXXX would i want an Adjustable loan? I have a 25yr Fixed rate loan at 4.25 % ... and XXXX would they tell me I have an Refund but then turn around and try to refinance me? 

Companies like this who blatantly target veterans should be taken out back and put down.
My name is XXXX XXXX age XXXX I am an XXXX with income over XXXX per year. My credit score is XXXX with all three credit agencies. In XXXX 2016 I responded to an offer by my existing bank Bank of America to refinance my existing HELOC loan on my owner occupied residence. I provided BofA with every document they requested, that was almost XXXX pages of my personal financial information. Keep in mind this was not a request for new credit but an application to refinance at a lower interest rate that would save me approximately {$300.00}. per month. The loan underwriter went into a process of imputing thousands of dollars in monthly phantom expenses, and disregarding real dollar income. She ultimately declined the application stating that I had insufficient income to meet my obligations. Completely ignoring the fact that I have made every payment on this loan and every other obligation every month in full and on time for over 30 years. Attached are documents supporting these assertions. You may make this statement public but please do not publish the attached documents.
Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.
XX/XX/19 : Received voicemail stating There have been several complaints in our office and have made multiple attempts to reach you at your home address Did not receive letters at home nor do I have anything on credit report for any debts. 
XX/XX/19 : Receive multiple missed calls from same phone number XXXX ( XXXX ) XXXX, no voicemail or company information given. 
XX/XX/19 : Company calls my place of employment and gives information to an employee about myself. I return call asking to not be contacted at a business. Lady threatens to contact work again and doesnt provide any information for reason of call just that they would be serving me with paperwork. I do not feel it is legal for any company to contact a place of business and give information over the phone. Debt collectors or mediators should not be allowed to contact places of business. I do not provide any personal information at any point, it is not my debt. I do not want them calling my personal phone let alone an employer.
Incorrect information was added to the credit bureau showing that I owe a debt. I never received a bill for whatever they believe I owe therefore I am not in default of anything.
My name is XXXX XXXX and I bank with BBVA Compass with account number- XXXX I was charged several NSF , overdraft fees, and extended over draft fees. These were charged to me due to XXXX transactions and the bank continued to let XXXX company try to take the money out twice and charged me XXXX NSF fees. All the fees include a {$38.00} NSF fee on XXXX for XXXX, XXXX NSF fee for XXXX XXXX for {$38.00} on XXXX and another NSF Fee for the same transaction but a retry with another {$38.00} fee on XXXX, along with XXXX extended overdraft fees on XXXX and XXXX. That ends up totaling {$160.00} which is alot, Please email me at XXXXXXXXXXXX with any questions thank you
XXXX XXXX, XXXX I have provided Seterus with my XXXX County Property Tax Examption Certification for the tax year, as instructed by my County Property Tax Office. about a month ago. Their " telephone customer service '', determined that a " check for approximately $ XXXX+ was issued to me and sent to me back in XXXX, XXXX, for the tax year XXXX. I never received this check. Though a small amout about a {$100.00} refund ( unrelated ) subsequently I did received XXXX, XXXX time frame. So, after being in phone conversation, each time about an hour, with Seterus Tax Dept ( XXXX XXXX ), and Seterus Customer Service, I was told on XXXX XXXX, XXXX, a check for {$2900.00} ( aprox ) was being issued, and sent to me by mail to my mailing address, within 7 to 10 days of XXXX XXXX, XXXX ( the day I called first regarding my " Property Tax refund check for XXXX '', after faxing them the " Property Tax Exampt Certificate from my XXXX County Property Tax dept, as suggested by the county tax officer. This was the 2nd one hour phone call with Seturus Customer Service. 
Today, XXXX XXXX, XXXX, I called Seterus Customer Service again. After holding for 56 minutes on phone, with this customer service rep, she told me something very different. 
I was told that no check was sent to me, as promised on XXXX XXXX, XXXX. That an " escrow analysis '' will be done on XXXX XXXX, XXXX, as they do that once a year. After that, they may or may not send back the " XXXX TAX Refund Check ''. 
I have a family medical emergency with XXXX family members, and I have medical bills to pay, and this " uncertainty '' and repeated misleading statements and required enormous time spent on phone with their customer service dept, is an enormous burden. Seturs by the way, was selected about 4 years ago, when I did a loan modification via the Federal government, and this company was selected by the FHA loan that I had at that time, via loan modification protocol I submitted. I have never defaulted on any monthly mortage payments since that time, and have set up automatic withdrawl each month as per their instructions from my checking account, renewed every three months since then, by phone as required by Seturus.
I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.
I deposited a check into my US Bank checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called US Bank last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
In XX/XX/2007 I was a XXXX and make my way into the world. I started looking for schools to continue my education and ensure a healthy and stable future. 

My search abrubtly ended when I was called by a recruiter from XXXX XXXX XXXX. She spoke with a manner that invited and ensured me of a successful future of my dreams. 

Needless to say I 'm sure she talked a lot of XXXX year old XXXX young men into committing to what has been the biggest mistake of my life. 

The admissions process alone was worse than buying a car with the amount of lectures and pushy tactics, not to mention the mountains of paperwork they pushed onto me. 

I lasted a year before the lack of education finally took hold. The instructors ( definitely not professors ), could hardly XXXX, much less teach XXXX XXXX XXXX. 

Upon the utter dissapointment of leaving without even a certificate of any sort, and ontop of the fact all of the credits earned were worthless to other accredited institutions, I had learned just how much a single year at XXXX cost .... over {$27000.00}. 

It is now almost a decade later and I owe a little over {$13000.00}. This means nothing to XXXX XXXX or whoever else has interst in these loans because they harass every hour they are allowed, every day they are allowed. They have no reasonable customer service and the negotiations I have attempted to make have been laughable at best on either side. 

I sincerely hope action is taken to prevent these types of institutions from preying on the youth of this country, by selling dreams they can not make and promises they can not keep. 

I also hope thay many learn from these types of experiences so that one day, if they are faced with a similar situation, they can identify it and save themselves from over a decades worth of headaches. 

Who would 've thought that pursuing the American Dream could turn out to be such a nightmare. 

Sincerely, XXXX
Chase Loan # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXAuthorization was faxed to Chase 3 times - XXXX XXXX, XXXX XXXX and XXXX XXXX. The representative we spoke to today said they ( Chase XXXX still has not sent the authorization to be validated. They can not give a time frame as to when this will be completed. This loan was supposed to have been reconveyed and it seems Chase does n't feel they have any obligation to provide a paper trail as to where the loan is.
I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).
I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.
Wells Fargo closed card down as of XX/XX/2018 reporting that the balance was over the amount as of XXXX and a payment of XXXX was needed to bring account current. Paid a payment on XX/XX/2018 online payment was returned by company stating that the account number was closed. So since the payment was not able to bring account current. Company closed. Add down on XX/XX/2018. Called in on XX/XX/2018 to have a supervisor look into the issue. Made the payment again of XXXX drafted from my bank statement. Was advised that someone would reach out on the matter. Spoke to an Escalfion rep by the name of XXXX XX/XX/2018 stating that the account could not be reopened since I had a secured card. Rep stated within 45 days of the close out date of. XX/XX/XXXX collateral of XXXX would be applied. However without my consent nor knowledge my card was reopened in XX/XX/XXXX I incurred late fees interest and other fees. I was not aware of this happening and the company has not taken knowledge of this. They have reported on my credit high balances and also two close out for one credit card. Make it hard for any company to want to do business because of there error. They also sent in a fake letter trying to say they advised of the closing but the typing was off they tried to correct a mistake but lied in the process correcting a fraudulent letter.