WillisBack/dataset-financial-user-claim huggingface dataset:
Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.
I have reached out to this company on SEVERAL occasions and no resolve the most recent was XX/XX/18. I was advised that they will send me a itemized statement. My response was that at itemized statement is NOT validation of debt. It is simply a description of what they charge for services! In addition per the FDCPA section 809 validation of debt must be provided.This collection agency also advised they are NOT the original creditor so in addition they MUST also update my credit report stating disputed by consumer or similar language WHILE trying to provide proof that I OWE THIS DEBT.This consumer is also LYING and advising they are only reporting to XXXX and XXXX but it IS ONLY listed on my XXXX   credit report because they could NOT prove the debt to XXXX and XXXX
I have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.
This is an amendment to the complaint I filed against this company on XX/XX/XXXX. Complaint Number XXXX. I now have concrete evidence that this company does not care about rules or regulations and is simply out to get me. 

According to your own website, the complaint was sent to lending club on XX/XX/XXXX. I have already described in my complaint how I was the victim of identity theft, and I have filed a notarized affidavit and police report and submitted it to them. I did so in XXXX, and I submitted it to the collection agency they had originally sold this debt to in XXXX of 2017 as well as through the complaint I filed on your website which was submitted to them on the XXXX of XXXX. Well I just received a call from a new collection agency on XX/XX/XXXX called XXXX XXXX attempting to collect this same debt. 

After I received this call I immediately called my representative who is assisting me with all of this. I asked him to call the collection agency to figure out what was going on. He not only called, but the call was recorded as well and he gave me a copy of it. It seems that the representative he was speaking with said the account for Lending Club had been assigned to her office on XX/XX/XXXX. that was 7 days after I submitted my complaint to you and you forwarded the complaint to them! As of today, I see they still have not responded to the complaint, have not spoken with me, have not sent me any notices regarding this case, but yet they still have the gall to submit this account to another collection agency while this complaint is active? This is proof of exactly how they have been treating me for these last 8 months regarding this account. They don't care that this is fraud. They don't care that this account does not belong to me or that I never signed. They don't even care that they are breaking multiple collection laws or that you have been submitted a complaint against them with serious allegations. They continue to just try to collect this account without ever responding to any of the paperwork That has been submitted to them over and over. 

I know I am just one person, but I hope this complaint is enough to get you to act against Lending Club. They are being willfully negligent and careless and I am suffering the consequences for it.
I was looking to consolidate my loans, and I found a company 's number that I thought was related to my loan servicer XXXX XXXX. The company promised that if I paid {$400.00} to have my loans consolidated than I would n't have interest for three years and after this three years, the government would subsidize half of the interest amount. I spoke with three different people from this company ( Nationwide Document Preparation ) and they all confirmed this. I inquired why consolidating cost this much money, because I usually thought it was free, and all three employees insisted this {$400.00} was to ensure that I would n't have interest for the first three years after consolidation. They knew my income and also assured me that with these interest-free years, they advise people making a certain amount of money to try and pay off the loans in their entirety during this time to avoid paying any interest later. Conversations with this company began mid-XX/XX/XXXX. I have an email from XX/XX/XXXX where I gave Nationwide my pay stubs and other information in order to fill out these forms. Once my loans were consolidated and transferred to XXXX, I noticed interest building and became concerned. I tried to call Nationwide Document Preparation and all of their phone lines had become disconnected.
they deleted some of the false fraud claims but not all the ones they left two out that where in ohio where i never lived here is the police report and the two claims that they need to delete from XXXX XXXX and XXXX CLAIM 1 Claim Date/Age : XX/XX/XXXX ( 02yr - 04mo ) XXXX  File # : XXXX Company : XXXX XXXX XXXX   Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$25000.00} BODILY INJURY CLOSED {$65000.00} COLLISION CLOSED {$26000.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 2 Claim Date/Age : XX/XX/XXXX ( 04yr - 03mo ) XXXX File # : XXXX Company : XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX VIN : XXXX Disposition : DAMAGED PAYMENTS BY CLAIM TYPE Amount Type Status NaN COLLISION CLOSED Additional Info : N/A
I contacted Wells Fargo Mortgage to have my PMI taken off my loan. They sent out an appraiser who though appraised my house low ( I filed for an appeal on the appraisal ) it still qualified for the requirements of the PMI being removed. Then Wells Fargo contacted me stating I needed to produce XXXX dollars worth of structural receipts because they wo n't base the PMI being taken off on the appraisal and this was XXXX XXXX ruling. I contacted XXXX XXXX and they said that was not correct. I can not get Wells Fargo to remove my PMI unless I pay them an extra XXXX or produce structural receipts.
report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016
XXXX XXXX XXXX Account XXXX says I have 2 missed payments on my credit report. I have disputed this with the credit bereau and it still remains. I have spoke to the manager at XXXX and he says he do not see any late payments in his system and dont know why it's on my credit report. He is the one that said I should file a dispute and he explained the false report would be removed. After investigation it still remains.
on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is  unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.
TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/XXXX/XXXX
I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.
I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report!
I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau
Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed
I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.
I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXXXXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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
On XX/XX/XXXX, I went to my Credit union to pay off my car loan to obtain the title and attempted to use my Amex card. The credit union did not have the appropriate machine to swipe my American Express card and recommended a cash advance from Amex. While at the credit union, I called American Express for a cash advance. The Amex agent over the phone recommended I use my XXXX XXXX account to process a transaction to obtain the funds to pay my car off. The same day, I processed a transaction on XXXX XXXX for {$11000.00}. I was then able to use this money to pay off the car loan. Since then, American Express froze my account for several weeks for possible fraudulent activity. I am extremely offended after THEIR agent recommended this practice. I have had amazing and impeccable relationships with all my credit card companies. They also closed my account, reinstated and new one a decreased my credit line to an extremely low amount and forced my monthly payments to a higher dollar amount. I have asked the American Express company to pull the recording of the call to review THEIR employees guidance. Since then, I have not heard from anyone and received my new bill, with a new number and a past due amount! My credit has been excellent. I have an account closed by grantor and a new account that is now showing past due. I have tried to escalate this problem to management but my calls seem to be intercepted by call center agents and my complaint is still not handled appropriately and IGNORED. I have been in XXXX XXXX for over 23 years and would not tarnish my reputation over a senseless act. Please have American Express pull their recording, confirm their agent provided guidance to perform a XXXX  XXXX  transaction, return my line of my line of credit, and fix my credit bureau reporting.
Account information was due to be removed from public record XXXX 2016 and is still on record.
This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]
Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.
I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. 

I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. 

So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.
On XX/XX/XXXX my mother received a notice of default from XXXX XXXX XXXX. formally none as XXXX XXXX now known as XXXX. Document # XXXX. Case # XXXX. At that point my mother requested a HUD Critical Circumstances Extension Qualification Approval. She  was soon Granted this request by HUD And I will provide and upload the original approval letter as well the transaction history sheet. They XXXX XXXX XXXX XXXX  still proceeded to sale my mothers property at public auction to XXXX XXXX XXXX, XXXX on XX/XX/XXXX a complete illegal and breach on contract because with the HUD critical circumstances extension being granted and valid through XX/XX/XXXX in witch this sale was recorded on XX/XX/XXXX. I am an authorized representative of my mother this I had to go through multiple channels for them XXXX   XXXX XXXX XXXX to admit and rectify there broken contact and wrongfully saling my mothers property at XXXX XXXX XXXX XXXX, CA,XXXX They informed me that the sale was recanted and that we had a repayment date of XX/XX/XXXX but they didnt give A payoff figure owed. The title company escrow officer XXXX XXXX/ XXXX XXXX have faxed over the proper request documents for the payoff first document was received by XXXX  on 1XX/XX/XXXX with a seven day processing time. Then a second payoff request was received by XXXX on XX/XX/XXXX. I was informed on XX/XX/XXXX by XXXX XXXX XXXX XXXX representative XXXX ( I D ) # XXXX that received both requests for the payoff amount and that the second request was a duplicate and that they had combined them and are to give the title company 1 XXXX XXXX XXXX the payoff. Please take into consideration that the house is in full contract and escrow and is due to close XX/XX/XXXX we have attempting to obtain payoff for nearly three weeks at this time and as stated I have a product ( the house ) to produce to the contractual party. If not by the end of escrow XX/XX/XXXX I could quite possibly acquire a lawsuit against me. My escrow officer, my estate attorney, my real estate agent and myself have diligently and patiently attempted to obtain what should be a simple business request and have been denied all attempts. I ask please that you help me in this urgent and most high matter of importance. Thank you so very much. Sincerely XXXX XXXX XXXX.
Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! 
p.s. This is a flexible mortgage, too. : (