WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX after filing for Chapter XXXX Bankruptcy after my business failed in XXXX XXXX XXXX was providing XXXX, I have attempted to refinance, or aplly for a better mortgage rate from Chase Home finance on my primary address. They have refused stating that I can afford to pay my mortgage based on my gross income disregarding the fact that my present mortgage interest rate is 8.83 %. They have refused me over and over again because they say my credit report has red flag, and my gross income does not qualify me for an adjusted mortgage. The only solution they have offered is skipping a month of mortgage payments which is ridiculous because my income they are using is not based on my occupation but on my tax returns which are filed jointly with my wife who is not on the mortgage nor does she contribute to it. The most recent denial occurred on XX/XX/XXXX. I 'm requesting that Chase immediately lower my mortgage rate and should reimburse me {$30000.00} for financial damages since XX/XX/XXXX.
I have a XXXX mortgage with XXXX and a Home Equity Loan with Citibank. 
XXXX is in the process of refinancing my mortgage ( on a Cash Out basis ) and was informed by Citibank that Citibank changed its policy in XXXX 2015 and will no longer process subordination requests for cash out mortgage re-financing. This is surprising as it changes the terms of my Home Equity Loan unilaterally on Citibank 's part. Citibank was adamant that they can do as they please and they refused to accommodate any request for flexibility.
The issue began when I was unable to log into my credit card account online.

The credit card was for a store that went out of business ( XXXX XXXX ). The site was repeatedly down so I was unable to make a Payment. I sent an email to the help desk more than once and did not receive a response back. I started receiving missed payments on my credit card but felt that XXXX XXXX should amend before I paid off my account because their website had been down.

Instead XXXX XXXX called my relative instead ( Mother ) who is not a co-signer or joint card holder. We do not even share the same household or phone number. I am unsure how she was even tracked down. The person who spoke with her shared confidential information and asked for my new cell phone number, although they have my current address on file. I was left a voicemail that I have saved, in which I was advised by XXXX XXXX to have an attorney return the call. I'm unsure as to why they are advising me to obtain legal counsel for a debt of {$200.00}.
I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). 
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. 
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). 
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. 
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. 
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.
I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Pulled down my Experian report and found a number of unauthorized hard inquires. First I called  XXXX   XXXX  to put  90 secu rity freeze. Now I am reaching out to Experian to get a security freeze AND these unauthorized hard inquires removed ASAP. I will moving soon looking to mortgage anew home and I do n't need any of these unauthorized hard inquires harming my chances of of moving my family to a safer neighborhood. First please freeze the account for the next 30 days, then next have these hard inquires removed. I have enclosed a list of them. Thank you so much in advance.
Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
I opened a Barclay Card under a promotional offer that I received for a statement credit with a {$500.00} minimum purchase and 12 Months 0 % interest financing on purchases and balance transfers. 

I made hte purchases and received the statement credit but have started to receive interest charges on my card for the first two cycles. I have contacted them multiple times to investigate and each time I end up talking to a supervisor and they state they will submit a case and it will take 5-7 days to resolve and that I may receive a reply to the case. If not I should call back. 

I have now called back 3 times and each time feel like I am given the run around. 

The card offer online is very clear and can be found here XXXX The offer reads : " Purchase and Balance Transfer Rate 0 % Introductory APR for the first 12 months on purchases and 0 % Intro APR for 12 months on each Balance Transfer. '' My current case that was opened today is case # XXXX My previous case number was XXXX.
I sent by certified mail 4 disputes and an email to it's CEO XXXX XXXX requesting Equifax to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I am highly concerned that Bank of America is deliberately obstructing the payment process for credit cards in order to collect late fees and other such penalties. During a 3 month change in employment I fell behind on several payments. After starting my new employment, I was contacted in the fall of XX/XX/2016 by a supervisor looking to " assist me in catching up ''. She arranged a 6 month payment plan of {$110.00} per month which I agreed to. I called within a few months to see if the hefty $ $ $ late fees could be slightly lowered since I was making payments. I was simply advised to continue making payments. Once the 6 months were up, I arranged for another payment plan of {$70.00} per months since my amount due was less HOWEVER, my total balance was significantly higher. I continued making the scheduled payments however, when the automatic payments expired again, I was suddenly unable to make payments online or arrange for another set of automatic payments. I then learned that my account was closed without notice. When I asked for proper communication of my account closure I was told that it's not something they disclose openly on statements. For over a year now, Bank of America has disabled my online payment capability AND any future schedule of payment. I am forced to call every month on the XXXX  day of the month to make a payment. On most calls I'm forced to wait much time, sometimes up to 30 minutes. Recently, while on a trip to XXXX, XXXX on XX/XX/XXXX, I called 3 times and each time the automated service said they were experiencing high call volumes. After the 3rd call and not getting through to anyone, I hung up. I am now receiving emails regarding late fees, and the amount due for the following month has doubled! Bank of America is causing much difficulties to pay this account and is simultaneously gaining additional fees from me unfairly.
I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.
it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.
I had an 18 month promotional offer with XXXX for same as cash financing. Apparently, the offer ended on XX/XX/XXXX of which I was not notified by email or mail. I was assessed finance charges in the amount of {$1700.00}. I have paid my account on time during those 18 months. I called to dispute charges however, they said there was nothing they could do and I had no options. I told them I wanted to pay off my balance with the closing of my house on XX/XX/XXXX. They said I would have to pay my balance of {$2900.00} as well as the interest charged of {$1700.00}.
I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call, but it seems very misleading and deceptive to use the title of a XXXX for debt collection.
STEVEN BUSINESS SERVICES HAS LISTED ON XXXX  FOR TOWN OF XXXX WITH NO AMOUNT OWEING - THIS SHOULD BE REMOVED
I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.
My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.
This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.
NEW INFO - XXXX LETTER DATED XXXX/XXXX/XXXX ATTACHED! FTC PLAIN LANGUAGE OF XXXX ( a ) ( XXXX ) DOES NOT MATCH WHAT FURNISHER IS REPORTING TO CRAs AS DOFD. Furnisher and Equifax continue to report obsolete account on credit file due to furnisher purposely re-aging the account DOFD. Equifax dispute confirmation numbers XXXX and XXXX. Furnisher has been re-aging DOFD for this account every 7 days on credit file since filing these disputes. Several links to FTC Opinion/Guidance included within, clearly confirm this is a violation of FCRA Sections 605 and 623. Unsecured Line Of Credit ( LOC ) with XXXX opened in XXXX, defaulted in XXXX. First delinquency commenced in XXXX ( See attached Statement ). 1 ) XXXX - Creditor restricted credit limit to XXXX ( as noted in XXXX statement ). This was " denial or revocation of credit '' 2 ) XXXX - Creditor terminated the promotional APR and increased the APR due to derogatory/delinquent status of the account ( as noted by in XXXX statement on invoice and last page of statement where Creditor provides explanation that promotional APRs will be terminated if a consumer defaults on the account ). This was " a change in the terms of an existing credit arrangement '' 3 ) XXXX - Creditor transferred the account to internal collections department and sent XXXX LETTER with specific language, " help resolve the delinquency '', " negative information will be reported on your credit '', and is signed by " XXXX '' ( attached ). 4 ) XXXX - Creditor closed account on XXXX/XXXX/XXXX as noted on attached credit file XXXX. Partial payments continued through XXXX, the account was never brought current. 5 ) XXXX - Creditor charged off the account and is attempting to use this date as DOFD as opposed to following FTC guidance to use the earlier DOFD as required by FCRA 623 ( a ) ( 5 ) - CHARGE OFF DATE IS IRRELEVANT, FURNISHER MUST USE XXXX AS DOFD PER FTC DOCUMENT ATTACHED ( 40 Years of FCRA FTC Comments with Interpretations ). Creditor delayed reporting the charge-off to the CRAs for 44 months post DOFD which is irrelevant ( exact language used by FTC ) per FTC guidance, the DOFD must remain unchanged and is the date when the account first became delinquent, NOT the date of the charge-off. XXXX Please comply with FCRA Sections 605 ( c ) and 623 ( a ) ( 5 ), failure to comply after receiving this FTC guidance and documentation is considered willful violation of the FCRA by continuing to report inaccurate information with knowledge of its inaccuracy. The Research & Remediation Analyst at XXXX who validated the DOFD inaccurately is XXXX XXXX at XXXX ext. XXXX. The FTC information attached demonstrates the creditor is inaccurately applying the FCRA Section XXXX as they continues to validate the DOFD is the month prior to charge-off while refusing to report the date noted in the XXXX letter from XXXX. Creditor is fully aware of the correct guidance and its application thereof as they had input on the FTC compliance as indicated in the footnotes of the XXXX FTC Report to Congress. Thank you in advance for FINALLY removing this trade-line from my credit file!
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.
My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.
I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.
First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me