WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2016 Quicken Loans, NMLS # XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : XXXX 2016 payment Please note that we are requesting that you remove your late fees that were applied to our account effective XXXX XXXX, 2016. The attached check copies ( XXXX - XXXX 2016 ) notes the dates our checks have been mailed to your processing and accounts receivable department well within the given grace periods allowed. 

Your average timeline of 10-15 days to receive and process our checks to be presented to our financial institution is at minimum concerning, thus need to be investigated by the U.S. Federal Trade Commission. There are no other creditors we are in relationship with present this business practice concern. We prefer to use checks when paying our creditors and for the exception of Quicken Loans , Inc. this method has been successful. 

The U.S. Postal Service branch offices have assured us on more than one occasion that once we place our mail with U.S. first class postage stamps in their receptacles ; whether at my local branch or within my subdivision, it should reach it assigned address and zip code within less than 10-15 days. Why is your organization the exception? When receiving mail delivered by the U.S. Postal Service from Quicken Loans, Inc. dates noted on the documents have never shown the 10-15 day time span. No, online or auto-pay are not options we would like to put in place, there have been several instances of fraud through these methods and has not proven worthy to us. 

Please review the attachments as consideration for removing your fees and processing your check payments in a timely manner in order to honor your noted grave period. 

Best regards, Cc : U.S. Federal Trade Commission Bureau of Consumer Protection XXXX XXXX, XXXX XXXX
I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU
( Short version ) A cashier check from Key Bank was issued to me in the amount of {$5400.00} for a mortgage credit balance as of XX/XX/XXXX. 

This cashier check was dated XX/XX/XXXX. The memo line on the check identifies as credit balance to my mortgage account number. 

On XX/XX/XXXX, this cashier check was cashed by my personal bank, XXXX XXXX XXXX. This is the bank where my checking and savings account is held On XXXX XXXX, XXXX XXXX XXXX was informed of a stop payment on the Keybank cashier check and in turn XXXX   told me this. 

No reason as to why ... .Initial thought was it being cashed 30 days past issue date requireing a replacement check. Prio to cashing the cashier check, I walked into a local Keybank where the branch manager confirmed the check was still valid. 

From XX/XX/XXXX and up until XX/XX/XXXX, many calls were placed to Keybank and their representatives. Nobody could give me information. The only progress made was when they asked me to fax them information that the check was cashed. I did so, but again, no answers. Not until XX/XX/XXXX when I called and informed them I wanted an answer by the end of the day because I was filing a claim. Finally ... .. information. 

I was told by a supervisor that the information she had was the cashier check was sent in error and my attorney was advised of this and not to cash it on XX/XX/XXXX. Yes, the date was repeated at my request. 15 days after it was cashed, I am told my attorney was advised not to cash it. 

I havent heard from my attorney since XX/XX/XXXX and last conversation we had was he hadnt heard back either if the check needed to be reissued. 

For 2 months my checking account has been held hostage with a negative account balance. It has incurred over {$300.00} in fees. Just recently, encompass has set it aside so I can use my account until Keybank honors their cashier check. 

Please re-issue this cashier check and honor it as it was issued on XX/XX/XXXX.
Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score
" XXXX XXXX XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen
Complaint re : JPMorgan Chase, XXXX, XXXX, XXXX  What happened? 

I have a 28-year long standing of excellent financial history with no late and no missed payment, until I ended up with Chase as a lender via XXXX XXXX dealership in XXXX, TX, in XX/XX/2018. 

What I originally thought by borrowing a little to further improve my credit score from 811 to 835+, led me into a series of troubles because Chase never provided me with a billing statement, nor my loan number, nor my payment due date, nor payment alert initially I set up, nor late due notice/alert. In less than 6 months, I was late on payment twice because I never received any billing statement or any communication from Chase, the lender. After I made two phone calls which really affected my full time work, their terrible customer service reps threatened to destroy my excellent credit and he did! In one month, my score dropped by more than 100 points. Given that Chase never sent me a billing statement, it is illegal for them to charge me fees and try to destroy my credit. 

I also complain about credit bureaus for not informing me, for not investigating, for just taking what Chase says/claims to punish me for nothing I did wrong. 

These big businesses are bullying great consumers like me! Something need to be done to not allow them to mistreat good, financially responsible consumers like me. They should not be given the power to abuse my credit and my reputation of 28+ years of good standing. 

PLEASE, HELP US! 

I plan to contact our senator about this, too.

This is UNACCEPTABLE!
I have over 100 inquiries on my Transunioun Credit Report that are due to my identity theft. They will not provide me with any information to validate these. 
XXXX Bank XXXX # XXXX is not my account. they will not validate it. 

XXXX ACCOUNT NUMBER XXXX DOES NOT BELONG TO ME AND THEY DID NOT YET REMOVE NOR VALIDATE THIS AND XXXX ACCOUNT # XXXX XXXX THEY KEEP PUTTING BACK ON UNDER ANOTHER COLLECTION ACCOUNT # XXXX. 

I HAVE EXCELLENT CREDIT. OVER 30 ACCOUNTS BUT THE INQUIRES ALONE ARE NOT MINE NOR CAN BE VALIDATED. 
XXXX ACCOUNTS WAS DUE TO IDENTITY THEFT ACCOUNT # XXXX ACCCOUNT # XXXX XXXX AS WELL XXXX BANK ACCOUNT # XXXX
My loan servicing was sold to Loan Depot. I have an impound account for my taxes and insurance. There is a balance in that account of {$4300.00}. I received a supplemental tax bill and followed the instructions on the back of my mortgage statement from Loan Depot and faxed it to the Tax Bill fax number. They did not pay the bill. I received a late notice and faxed the bill a XXXX time. They still did n't pay it. I called today and was told they do n't pay supplemental tax bills and that I would need to fax the bill to yet another person and that they would mail me the money so I can pay the bill. This is costing me {$46.00} in late fees when this servicer is holding onto over {$4300.00} of MY MONEY that is set aside to pay tax and insurance bills. When I asked the phone rep what happened to the bills that I faxed in, I was told that they shred them. This is a complete rip off to the consumer and had I been notified of this policy when I faxed the bill. I could have received the funds and paid the bill on time. This should be illegal to rip off a consumer in this manner.
I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.
NationStar purchased my mortgage in 2015. In XXXX 2015 I requested a payoff. Per the XXXX loan payoff notice balance of {$23000.00}, this amount was PAID IN FULL well in advance of the XXXX/XXXX/2015 pay off date. Nevertheless, NationStar somehow claimed a {$370.00} balance due that I have repeatedly demanded NationStar to explain and provide a full accounting. All I have gotten in response is forms and inaccurate and false claims. The NationStar online " dashboard '' continues to erroneously reflect a " last payment of {$7900.00} was received on XXXX/XXXX/2015 '' and " Past due amount of {$1000.00} '' which I also requested be corrected to no avail. Now, I 'm getting billing saying {$2100.00} is 'past due ' on an unsubstantiated and disputed {$370.00} balance. Every assigned 'dedicated loan specialist ' I try to contact is never 'available ' and you get transferred to a 'new ' agent and need to start at step 1 and again explain the problem. NO ONE at NATIONSTAR will address the problem or provide the requested accountings. Now NATIONSTAR is dinging my credit rating by false reports to the credit bureaus ; I discovered the problem the hard way when I was denied credit because of a XXXX point drop in my rating to XXXX.
Equifax credit reporting agency had a data breach which exposed my credit information. I have confirmed my credit information was involved in the breach, but I have not yet seen any illegal credit activity. I have frozen my credit at all three credit agencies. I am filing this report at the recommendation of XXXX XXXX XXXX ( not sure how XXXX XXXX XXXX is involved ).
Complaint against Rushmore Loan Management Services for  unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment! 
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX. 
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.
I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? 
\Thank you
I have already paid the debt and was informed by collections that this debt would be removed from my credit report.
Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington
I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with XXXX  and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX   XXXX Account Number, XXXX XXXXXXXX XXXX Account number and XXXX XXXXXXXX XXXX Account Number. I send numerous letter to XXXX   registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the equifax breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
I received a voicemail stating I was being implicated in a legal matter and I needed to call their mediators and submit a statement and agree to a settlement to avoid further legal action
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.
My account has been reported as 30-59 and 60-89 days past due as follows : XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

I have made several attempts with XXXX XXXX to determine how this was determined, but I have not received a definitive answer as to how they have calculated the past due payments.I have requested printed statements, to assist me with such information but I have not received a single one. Statements were requested for the months of XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX prior to their due dates. The requests were made through a customer service representative. Customer representatives have provided misleading information ( i.e. minimum amounts due ) over the phone.
Upon receiving a letting in the mail. That they had purchased a debt that had already been removed by the FTC regulartor, I immediately called the company to let them know the debt was not valid. They provided no help or resolution to removing the item from my credit file. I came to consumerfinance.gov to get the information to them in writting. I forwarded to them the information proving that the item had been removed, and that they should cease all attempts to collect this debt including reporting to the credit companies. I received this response from the company '' Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by customer. We understand that Mr . Customer is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion Mr . Customer would like ( email, fax, etc ). 


If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 

I removed my name from the above response. 

This debt appears on my XXXX credit file. Accelerated never sent me any information, as they said they would. And are now reporting to my credit file. This is contrary to what they said they were going to do. 

The original debt had already been removed from my credit file. They purchased the debt after the original debt had been found to be not valid. This is in clear violation of my rights. This item must be removed. From all credit files. 

I did everything I am supposed to do to protect myself, but accelerated violate my rights.
CHASE USING XXXX I deposit a check on XXXX/XXXX/2016 and Chase decided to put a hold until XXXX/XXXX/2016 when the check was from the same institution, yet on the XXXX/XXXX/2016 received confirmation from the check issuer proof that the check was cash and clear their account. 
I find this very deceiving not a good business practice.
I made an online purchase XX/XX/XXXX and XX/XX/XXXX with my Macy 's American Express Card. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases, believing they had been automatically deducted from my checking account. I received a call from a credit agency on XX/XX/XXXX linked to Macy 's. I called Macy 's directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements so no paper statement was sent. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full, I immediately made sure I was enrolled in autopay to avoid future problems. I have come to find out they negatively reported ( account closed for non-payment ) to the XXXX major credit bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XX/XX/XXXX and XX/XX/XXXX stating they would still be taking the original {$250.00} balance from my autopay. 
This is deceptive. For nearly six ( 6 ) months, they did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me without notice, and did so BEFORE sending to collections and being given an opportunity to correct the situation. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee on XX/XX/XXXX and an interest fee on XX/XX/XXXX which were deducted from my autopay. When I called back they agreed to return XXXX {$19.00} late fees and the interest fee. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
Their practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper, electronic, or telephone notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to ever mentioned that my account was closed. 
I take great steps to maintain an excellent credit rating, and find it unfair and deceptive that they would wait nearly six months to be contacted by collections, and do so after already closing my account and notifying the credit bureaus without advising me.
XX/XX/2018 - I was provided a link to a website to pay for an appraisal. I paid {$830.00} to appraisal service.

XX/XX/2018 - Appraiser came to home I have repeatedly called appraiser company asking for a copy of the appraisal and I have been told I must obtain that through Ally. I have repeated emailed and called loan officer Ally who states that the loan is still being worked on and will not provide me a copy of the appraisal.
i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( Experian, XXXX and XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX  XXXX  Acct XXXX ( XXXX, XXXX ).