WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a home loan with Mortgage banker ( location XXXX XXXX XXXX XXXX XXXX NY XXXX ) at JP Morgan Chase and as first time home buyer and a chase customer on XXXX XXXX 2016. I was given a preapproval letter by him starting at a rate of 3.25 %. I received an call on XXXX XXXX by XXXX XXXX in the afternoon that after the elections the rate is going to go higher I need to come into the branch immediately to locked in rate at 3.375 % on XXXX XXXX. The Mortgage officer XXXX XXXX also wanted changes made to the way I was getting paid ( XXXX vs XXXX ) which were addressed with a great hassle with my employer after XXXX XXXX and my employer spoke. Once I am ready to sign the contract the Mortgage broker told me that the paper work is not complete and he will not be able to do the loan. Then I called his supervisor XXXX XXXX and her boss XXXX XXXX XXXX, both of whom after talking to them for the first time seemed that this is the usual state of affairs at Chase and they were actually defending the Broker without even knowing how much pain and suffering we as a family had to go through because of this gentleman as I had to tell the seller that my loan and the locked in rate was not being honored by Chase. I approached XXXX different banks the very day I was told that Chase is not able to do my loan unfortunately at a higher rate as I was 4 weeks late due to Chases false assurances and lost the house and my family with XXXX small children would have nowhere to go as we had already planned to move ahead with everything. I did receive a call From XXXX XXXX XXXX stating that everything that XXXX XXXX did was protocol and company policy based. When I asked him to share the policy with me regarding locking in mortgage rates ( as he said I need an executed contract to lock in the rate ) and he said he will not be able to email them to me as they do n't share these with the customers even if it is pertinent to me. So as per Chase policy you need to sign a contract and pay all legal fees and then go to them to lock in the rate to a loan which they may or may not approve. He told me that I had lost a great opportunity in securing a great rate from Chase as I did not act fast enough and when I again brought in the issue that I applied for this loan XXXX XXXX and was locked in by their Mortgage officer which was a lie as I came to know that my case was never sent to an underwriter till I involved XXXX XXXX and XXXX XXXX. I was never informed that I need to actually have an executed contract to get a loan from chase. Above all XXXX XXXX told me that I was completely wrong, his employee was totally right, never did he use the term SORRY or we will make amends with anything and told me to wait till the underwriter gets back to him and he will be approving my loan or not. I just wanted to se if this is the way that you employees need to treat there customers and make to feel like that they are doing them a favor by giving them loans. As a first time home buyer and a long time chase customer I am very disappointed and would like to take my business to a bank who appreciate me and my family.
I am looking at my credit report and saw an inquiry from XXXX on XXXX th which I did n't authorize. As per XXXX their Client Mason-McDuffie mortgage ordered a credit report and I have n't authorized either XXXX Mason-McDuffie to put hard inquiry into my credit report. I request that they removed this inquiry ASAP and no more inquiries moving forwardXXXX Miscellaneous XXXX XXXX, 2013 XXXX
I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX& XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX
I OWE NO MONEY TO ANYONE!!!!! I'VE PUT IN COMPLAINTS BEFORE BUT THEY KEEP CALLING!!!!! STOP STOP STOP OR I'M GOING TO SUE THE PANTS OFF THIS COMPANY, NORTHLAND!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.
They did n't pay my insurance out of escrow and my insurance was canceled. They then said they would take care of it and it would not cost me more than what the other policy was. They then, without my knowledge purchased and payed for out of my account, a new policy XXXX times the cost of the original.
I received a delinquent tax notice on XX/XX/XXXX. My taxes were due by XX/XX/XXXX. Franklin American Mortgage Company was to pay the taxes, which are in my escrow account. I called them on XX/XX/XXXX and spoke to a supervisor named XXXX. She told me that {$6.00} was taken from my escrow account when in fact the taxes due were {$330.00}. She said she did n't understand why the amount was n't questioned. The tax office has not received any payment on my taxes to date and the mortgage co. has not contacted them at all. I was told that by Thurs morning ( XX/XX/XXXX ) I would have an answer as to when my taxes will be paid and why they were n't paid. I called them this morning ( XX/XX/XXXX ) and was transferred to XXXX extension after holding quite awhile just to get her voicemail. That was around XXXX to XXXX. I still have not received a call from her. I had told her I did not want my name in the paper for delinquent taxes or having it sold on the courthouse square for delinquent taxes. I also had to contact them last year about paying my taxes. I need them to pay my taxes ASAP.
We are XXXX citizens who own our own home and are trying to reduce our mortgage payments. We have never missed a payment, but our income has been drastically reduced and we BOTH have been diagnosed and treated for XXXX this year, causing major medical bills. We began filing a mortgage modification with our mortgage holder : Nationstar Mortgage on XXXX XXXX, 2015. Each time we provide the forms they request, they wait a week and ask for more information. Then we provide that information. Then they show they received the documents and when we check the status in few days -- hoping we have been approved- they show they need the same documents again. So we have sent them again. They keep asking for documents like IRS form XXXX, which we do n't file, so we send them the form we do file ( a XXXX on form XXXX ) with a letter of explanation and they ask for the XXXX form again. This is all on the website -- we can never actually speak to anyone when we have tried to call. Then someone will call us ( the caller is only a messenger who knows nothing except what he 's reading on the website ) telling us we need the forms, I explain we have sent the forms and they say send a letter of explanation and we do, then the status shows we still need it anyhow. We have uploaded all the forms and letters of explanation again and still no response. In fact, this morning it showed we only needed to send XXXX more thing ( again, the XXXX form ) so we sent another letter, with documentation from the IRS site showing we file the correct form, a XXXX on form XXXX, and now when we looked it shows we need ALL the forms we have already submitted ... twice. We are at our wits end and have no idea what to do. Can you help us?
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified
my identity was stolen and the use it to open XXXX XXXX account and XXXX XXXX are charging me XXXX in late charges need to get this resolve to fix my credit.
All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.
I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.
On XX/XX/XXXX we closed escrow on our property refinance. As of XX/XX/XXXX our pre paid property tax remains unpaid. 

XXXX of XXXX XXXX XXXX contacted me on XX/XX/XXXX to inform us the XXXX County tax payment of {$1100.00} was returned to their office because it was short. It was during this call I explained that XXXX was being paid off with the closing funds and that the amount the County was requesting is wrong. You insisted we were responsible for paying the difference regardless because that was the amount the County was asking for. Reluctantly, I paid the difference of {$1300.00} on XX/XX/XXXX. 

I contacted XXXX on XX/XX/XXXX to inform them I received a corrected tax statement and needed direction from them on whether we he was going to contact XXXX County to obtain clarification. Per our phone conversation this morning, the County has confirmed the over payment however since they are still processing all the payments they received, they could not provide you with an estimate of when a refund would be issued to your company. I expect your company to honor the disbursements of funds set fourth in the closing statement, issue a check to XXXX County for {$1200.00} and call me within 2 business days to schedule a time to pick up the refund check due to me in the amount of {$1200.00}. 

We have paid the tax bill twice 1 ) during initial closing 2 ) on XX/XX/XXXX. They are now insisting we make a third payment of {$1200.00} to pay the corrected statement. 

I received the following response : " Hello XXXX, I understand your frustration and our apologies for your inconvenience. I spoke with XXXX at the tax collectors office 3 times today trying to get a better idea to resolve this issue. We reached out to you on XX/XX/XXXX only due to a letter ( attached ) we received from the tax collectors office that the amount sent was incorrect. We only learned about the cancelled tax bill last week when you called our office. Per XXXX suggestion, he stated that we check back with him mid-XX/XX/XXXX as they do not have control over when their office can send back the check we sent them. I suggested that we stop pay the check they are holding and issue the correct amount but he stated that the check may get processed and well incur a fee if they process it. We will stay on top of this and check with the tax collectors office on a weekly bases with the check status. ''
I received Escrow letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX formerly Nationstar Mortgage XXXX stating I had a shortage. I contacted XXXX XXXX and spoke to XXXX, XXXX of the Managers who informed me that they would not allow me to pay my shortage in full to prevent an increase in my monthly payment. I was told there 's a shortage of {$250.00} but they were still increasing my monthly payment by {$35.00}. Only reason I was given is that that 's their policy on handling escrow accounts. I 've owned many homes and never had a situation whereby I could n't pay the full escrow shortage to prevent an increase in my monthly payment. They also charge me xtra for making XXXX automated payments monthly which I never encountered either. This is suppose to take effect XXXX/XXXX/XXXX ; therefore, I would appreciate your prompt response. Please let me know if you need any info.
I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.
This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!
I was tasked with short notice deployment around mid XXXX. Once it was confirmed on around the XXXX, I proceeded to call companies to get my services stopped and deferred. 

With GMFinancial, it doesn't seem like they respond at all to communications. When I contacted by phone around the XXXX, they kept me on hold or hung up the line. I managed to get hold of one on the XXXX and the representative told me to email the documents proving my deployment, after trying to figure out what I'm supposed to do. 

I attempted to do that, but their email server rejected it. 
" Your message wasn't delivered due to a permission or security issue. It may have been rejected by a moderator, the address may only accept e-mail from certain senders, or another restriction may be preventing delivery. '' I attempted to call over and over, but it's always the same thing. I've tried their emails, and the in-website service for " contact us '' 3 times.

I've been at my deployed site for 2 weeks with no response. If this keeps up, this will impact my credit because of their irresponsibility. I can not make phone calls out here either.
I had an Loan with cash call and paid them way more like 3 times the loan and they harass me
I applied for a modification with Nation star mortgage since XXXX 2015, but unfortunately no modification was approve even do. I show more income in application and the current loan is interest only, with a rate and payment increase in the following months. I believe Nation star Mortgage is not practicing fair business with me.
I dont understand Citibanks overdraft system. It is very misleading. I log in to my account and I see my account being negative with pending transactions. I immediately make a deposit and I still get charged fees. I have been charged 3 or more fees because of this. My end of day balance never goes negative. The transactions that come in are pending. Why would I still be charged a fee?
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.
I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. 
I need a reply before my forebearance is over.
On XX/XX/2018, XXXX  XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me without my knowledge or consent.
I received a response letter from Bank of America dated XX/XX/XXXX. The letter was addressed to XXXX XXXX XXXX XXXX, my name is XXXX XXXX XXXX. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Bank of America bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from XXXX and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and XXXX accounts were in good standing. Bank of America references a discharged Chapter XXXX Bankruptcy from XX/XX/XXXX. I note ; XX/XX/XXXX is 16 YEARS AGO. Well past any reporting period. Record retention requirements state negative information will remain on credit file for 7-years. 16-years is well past 7-years. State record retention requirements also reflect 5-7 years after an account is closed. Once again, 16-years is well past this requirement. I think the actions conducted by Bank of America are unfair and deceptive. They adopted independent policy practices outside of peer Bank guidelines. Additionally, they are adopting practices outside of normal periods considered in consumer credit laws and regulation standards. This is alarming and I am hopeful the CFPB will investigate this matter further.