WillisBack/dataset-financial-user-claim huggingface dataset:
signature does not match borrowers signature on originial mortgage. i received paperwork that i requested from wells fargo who took over world savings bank loans. my XXXX year old deceased mother was taken advantage of by world savings bank back in XX/XX/XXXX. XXXX XXXX borrower have been arguing back in forth writing letters and i have a response from wells fargo where they responded to her letter dated XX/XX/XXXX. this mortgage is fruadlent. im encolsing proof of signatures and loan documents that i received from wells fargo. please read documents ive provided with this complaint. property address is XXXX XXXX XXXX XXXX XXXX illinois XXXX. IM THE OWNER OF THE PROPERTY LISTED ABOVE. IM TRYING TO MAKE SURE THAT SHE OWES THIS MONEY BEFORE I DO ANY LOAN MODIFICATIONS WITH COMPANY. IM QUESTIONING SIGNATURE ON LOAN DOCUMENTS AND CURRENT AND OLD ID WHO SIGNED MY MOTHERS SIGNATURE. WELLS FARGO SET A SELL DATE ON THE PROPERTY WITHOUT NOTIFYING ME. IM JUST NOT FINDING OUT. MY CONCERN IS TO SEE WHO SIGNED HER NAME. I NEVER APPEARED TO COURT TO OR GOT ANY COURT PAPERS ABOUT FORECLOSOURE OR SELL DATE. ORIGINIAL LOAN WAS GENERATED BACK IN XX/XX/XXXX FOR XXXX MY MOTHER WAS NOT WORKING AT THE TIME WHO WILL GIVE A ELDERLY WOMAN A LOAN WITH RETIREMENT BENEFITS.
At this time I 'm in a trial Modification loan with Chase that started XX/XX/XXXX ending XX/XX/XXXX when I tried to first check my Hamp status account XX/XX/XXXX it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On XX/XX/XXXX I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at XXXX for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call XXXX, option XXXX. '' I called the XXXX number and spoke to XXXX, I did n't hear her name very well so I ask her to repeat her name, she got silent then said XXXX. I question why I could n't get in my account and she said because I am behind I can no longer access my account, I said I have never heard of that before, I 'm not trying to make a payment just want to review it, she said again I 'm not allow in my account anymore
XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  MISSOURI XXXX
I HAVE SENT CERTIFIED LETTERS ON  3 DIFFE RENT OCCASIONS TO ALL CREDIT BUREAUS (   XXXX      XXXX   AND TRANSUNION  ) IN REGERDS T O ALL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XX/XX/XXXX  , XX/XX/XXXX  THOSE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I  FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM TEXAS BU T LEFT  ANOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may c oncern, I mailed a Multiple Inquiry Removal Letter on   XX/XX/XXXX  by  certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the lett er on  XX/XX/XXXX  and they completed the request on  XX/XX/XXXX . The request that I submitted in cluded  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I have did two disputes with Transunion to remove an account off my credit report that should not be there.I have did it on line and sent the information via PRIOROITY MAIL TRACKINGNUMBER:XXXX.The account in question is XXXX XXXX XXXX for $ XXXX.This account should be removed asap due to the resolution listed below from XX/XX/XXXX which is past the 60 days and the request that I sent via mail has past 30 days with no resolution. 

Company responded Status Company responded on XX/XX/XXXX Response Type CaseID : XXXX Closed with explanation Company 's Response Dear XXXX XXXX XXXX, The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting as XXXX has not received the requested documentation from XXXX. If documentation is received at a later date we will notify you prior to any reporting. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX responded Status Company responded on XX/XX/XXXX caseid:XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX XXXX , The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting on XX/XX/XXXX. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Issues like this can be resolved by contacting us directly rather than filing a complaint such as this. We have again requested the Credit reporting Agency to delete item per the previous request and have attached the AUD number and letter for your record. I do apologize fro the delay in getting the Credit Reporting Agency to have this corrected. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX
Im currently in chapterXXXX bankruptcy and an account I have with XXXX  is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.
On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.
Equifax announced in early XXXX that the personal information of millions of American consumers were leaked due to a cybersecurity incident, and I am one of the affected. The incident involved a flaw in XXXX 's " XXXX '' software which Equifax used as the foundation to their web application. By way of analogy, Equifax 's web application software is like a brick-and-mortar bank with consumer data in its vault. A flaw in XXXX is like a bank mistakenly leaving a window open, allowing a burglar to access the interior of the bank. Cyber criminals used this flaw to access the vault. As XXXX XXXX XXXX XXXX XXXX  Vice President ) said : " It is good software engineering practice to have individually secured layers behind a public-facing presentation layer such as the XXXX XXXX framework. A breach into the presentation layer should never empower access to significant or even all back-end information resources. '' In other words, the vault should be locked so burglars gaining access to the building can not enter the vault. Equifax perhaps could not have known or be held responsible about a flaw in XXXX, but their negligence allowed this flaw to result in the leak of consumer data.
I 've had an unauthorized inquiry on my credit report for months now and Transunion is n't helping me to resolve the issue. I disputed the inquiry with Transunion twice. The first time was on XX/XX/XXXX and the second time, XX/XX/XXXX. I 've also called Transunion in XX/XX/XXXX concerning this prior to disputing in written form. Since I 've made it clear to Transunion that this inquiry was n't authorized by me, and they continue to fail in helping me, I 've reached out to you for assistance in removing it.
I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
I received a voicemail at work and on my cellphone from a person name, XXXX. I did some research and found she is from a place called Forward Movement Recovery. Message left stated she was trying to locate me for tracing efforts. The message is also stating if they are unable to make contact with me they will take other means to contact all my references to locate me. The messages is threathening and does not say what it is regarding.
I started a mortgage loan on XX/XX/XXXX with a company SouthEast mortgage. It started as a USDA loan they preapproved me on. Well after some time they contact me and say the house is too much for the USDA loan I needed to get the FHA loan and qualify for the GA dream loan for the down payment. XX/XX/XXXX I worked for myself and have filed for a tax extension. Which they have known about since they asked for my XX/XX/XXXX XXXX in the beginning. They said it will be fine most likely after the underwriter reviews it before conditional approval. Some more time goes by and turns out I did not qualify for GA dream like they said I did because of the XX/XX/XXXX tax extension which they already knew about but I guess forgot. I was told to get an appraisal to make sure the house was going to appraise for the sellers asking price. I did so because they kept telling me all my paperwork was pretty much good so far including the XX/XX/XXXX tax extension and my self employment of that year. So we get conditionally approved for the FHA loan and everything we sent over ( after explaining to them at least 3 times in e-mail and even more times over the phone had to remind the mortgage agent that I did not have XX/XX/XXXX XXXX or returns for them at this point ) and they just wanted a few more documents and explanations which I delivered to them. XX/XX/XXXX comes around we have already paid the inspection now and my mortgage agent stated " the underwriter has approved everything '' when I asked about buying home insurance but was concerned if the underwriter was going to deny me because of the taxes ( since they kept asking for it no matter how many times I explained it to them it seemed ) after I bought insurance. So after being told my XX/XX/XXXX taxes were approved long before conditionally approved than being re-assured everything was approved and ready for closing on XX/XX/XXXX they got behind somehow we found out XX/XX/XXXX that we were not going to be closing cause they got behind and had to file for an 8 day extension. Later on in the evening I get a call saying the underwriter has decided to deny my loan because of my XX/XX/XXXX taxes and work year. Something I was told was okay since XX/XX/XXXX something they have known about for so long it took them until 3 days before closing to deny me based on information that never changed and they had access to review since XX/XX/XXXX. With this sudden change of heart by them I had already bought the appraisal and inspection and lost my earnest check. Not to mention I gave up the lease at my apartment so at the end of this month my girlfriend and newborn daughter and I will have no where to go because of this on top of them keeping all my money. The amount of XXXX XXXX and XXXX this mortgage company has caused my family with their lies and theft is unbearable with my current situation. Please help me I followed through on my due diligence gave them all the info they asked for and they scammed me.
I have been a chase credit card holder for close to 40 years as ha my mother and my deceased father before us since the XXXX.Attached please find some old my credit cards going back to the XXXX. 

Accidentally I found out yesterday that all 3 of my accounts were closed. There was no notification as required and it took numerous calls to get to the person who was responsible for this. She was disrespectful and unhelpful. She basically told me that after all these years chase decided to end their relationship with me. 

This all had to do with my XXXX year old mother whom I am a caretaker for. She legally XXXX and totally uneducated and unsophisticated with regard to these matters. I have devoted the last years of her life and all of my life to taking care of her in all matters relating to her health and finances, She is also a XXXX   XXXX who suffers from acute XXXX and XXXX.This can all be corroborated by her XXXX and primary XXXX doctor. 

When I requested detailed information, She was not willing to provide it. Some of the things she told me were completely fabricated. To think that they would treat a customer who has been with them all these years and with whom they profited from is absolutely outrageous. 

I have had a great deal of aggravation form Chase now for 2 years.They have closed my bank account, my mothers bank account, and all of our credit crds. I have written to XXXX level executives but they were all unhelpful. A Ms XXXX XXXX seems to be responsible for all of this. Chase is a bank without a heart.  The closing of all these accounts can affect my credit negatively and I will hold Chase legally responsible for this and will see legal redress for this. 

Thank you for all your help.
I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. 

However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.
Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX
On XX/XX/XXXX I sent certified letters to Experian Information Solutions Inc. regarding 21 negative items reporting on my report, asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both Experian my request all together and did not provide verification. In XX/XX/XXXX I sent certified letters to Experian and explained to them that I previously requested verification documentation with original agencies and received no response. They opened up a new dispute on XXXX XX/XX/XXXX, After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. In XX/XX/XXXX I sent certified letters and explained I did not receive correspondence in the mail. I asked to get a copy of the alleged verification and was denied. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and Experian has failed to provide the information requested. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract ( a consumer contract with my signature on it ) - any and all accounts they post on a credit report. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply and they have not complied.
OnXX/XX/XXXX I attempted to use my Debit card associated with my Business Checking account under my Business account with Prosperity Bank, TX and was denied, I know there was cash in that account because online banking said it was there. I also attempted to use the card again to purchase gasoline to see if the 1st vendor 's machine had a problem but was denied again. On XX/XX/XXXX, I called my bank officer who found out that their credit card vendor said I had not used the card in 45 days and it was closed for non-use which is a lie since I used the card on XX/XX/XXXX and again on XX/XX/XXXX with no problems. She can not fix this corporate problem so I called for XXXX XXXX XXXX, XXXX of Prosperity Bank and was told he was in a Loan Committee meeting and XXXX, his secretary, would pass the message along have him return my call which he has not done to this date.
I opened up a Blue Business Plus Credit Card from American Express with a welcome-offer bonus of XXXX Membership rewards points after spending {$3000.00} within 90 days of account opening. 

The account was opened on XX/XX/XXXX and met the {$3000.00} minimum spend requirement on XX/XX/XXXX. I HAVE NEVER received the bonus, and when I first contacted American Express ... they told me the welcome offer was NEVER attached. 

I have contacted American Express on three separate occasions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.