WillisBack/dataset-financial-user-claim huggingface dataset:
When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?
I am requesting Nationstar Mortgage LLC to provide copies of documentation of Power of Attorney for   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   as Trustee. I would like documentation showing they have legal rights to recieve any payments or make any service to this loan
We, my husband and I, are being charged another {$1000.00} on our mortgage payments without real justification for the increase ( from {$1000.00} to XXXX ). Last month with the auto pay that we had set-up with them our account went negative about {$900.00}. We scrambled to make up the difference immediately and tried to communicate with this company to get answers, but we were only given the run around. I had to figure out on my own that I was being over charged on the taxes. So I went to the tax offices that are involved, because I happened to buy a house that is situated in two counties ( XXXX county and XXXX county ). Both counties explained how we are taxed. We pay full county taxes for XXXX, because that is where our house is physically at and only pay Comal ISD and city taxes for XXXX county. Very simple. They gave me estimations on what the taxes are, that came close to what we used to be billed. So with this new knowledge I called the mortgage company explained where their mistake was, but I have experienced with them the run around. They said it was going to be corrected and still have n't corrected anything. Now it is another month and the payment is due, but we are still being charged the {$2000.00} and again I went to the county offices and they told me the same thing and gave me print outs of what they thought could help ( to fax to the mortgage company ) and they told me the mortgage company should call them, so that the county offices can explain it to them ( the mortgage Co ). The mortgage company is telling me I have to wait 7 days so that they can investigate the situation, again. But our mortgage is due my husband and I only have the normal amount that we were a custom to paying and budgeted for, we do n't have {$2000.00} to give them this time. We never would have bought a house with such a high monthly payment. Never! Now I 'm scared to lose the house over something that is not true and correct. Please help.
On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.
On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.
I am a victim of identity theft. I filed a police and identity theft report with the XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX Bank, XXXX XXXX, XXXX Account XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and XXXX XXXX XXXX.
I continually get robo calls with the message " Hello, this is Harris and Harris limited. We are debt collectors. Please call us at XXXX XXXX XXXX our office is open Monday through Thursday from XXXX To XXXX Central standard time Friday from XXXX To XXXX Central standard time and Saturday XXXX To XXXX Central standard time. Thank you. '' I do not have any outstanding debts and the caller does not address me by name. This appears to be phishing scheme to capture my phone number for further harassment. How can these calls be stopped. I have been on the Do Not Call list for nearly ten years.
I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.
I carry a balance on my Chase Freedom card with a promotional 0 % rate. I made additional purchases on the account in XX/XX/XXXXand XX/XX/XXXX, which is charged interest as soon as the charges hit the account. Prior to the next statement date, I paid the minimum amount due plus the full amount of the new purchases. I assumed that Chase would apply the amount in excess of the minimum amount due to the purchase balance, as the law requires that payment in excess of the minimum be applied to the balance with the highest interest. Chase applied the full payment to the 0 % balance. I called Chase and I was told that the excess payment was not applied to the purchases since they were not on the prior monthly statement and are not considered a " balance '' for payment allocation. I do not think the Credit Card Act of XX/XX/XXXX allows that. If I am charged interest on the purchases, it should be considered a " balance '' on the account for payment allocation, regardless of whether it appeared on a statement or not.
AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.
I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.
XX/XX/2019 received text and e-mail messages that Debit cards had been ordered on my accounts with US Bank. When I called US Bank I discovered that a male person ( I am female ) posed as me and called the 24 hour banking line to order these cards. He knew personal information such as my name, e-mail address, and mailing address, as well as my debit card number and pin. I had the card in my possession at the time. On XX/XX/2019 this person used my debit card number on the USPS mailing address change website to change my address in Washington to an address in Florida ( I do have the data for that address as well ). My bank account was charged the {$1.00} fee, which they have refunded. I spoke with USPS, but was not able to stop my mail from being forwarded to Florida. They can not confirm what or if any mail with my name was actually delivered. They are holding my mail and are supposed to be sending it back to my address in WA. I cancelled my debit card in person at the bank and ordered a new one,  which I did receive. The bank kept my old card. This person also attempted to change the e-mail and mailing address on my bank account, he was not successful.
Veterans United employee XXXX XXXX pulled my credit report without my permission. He pulled a XXXX XXXX XXXX equifax credit report and merged it with my XXXX and XXXX credit report. XXXX Mortgage which was hired to pull my report, sent me XXXX XXXX XXXX credit report with all her personal information on it. I am guessing they sent her mine. This is a clear violation of the Fair Credit Report Act. I received an email from him saying that if I do not control my XXXX condition then he will not talk to me or work with me. I requested that he remove the inquiries from my credit reports. As of today, Veteran United has blocked my phone number. They have demonstrated discrimination practices against being a XXXX Veteran and XXXX XXXX Woman. I told him and his manager that I suffer from an XXXX and when they trigger my condition then my symptoms flair up. They continued to ignore my pleas. Now they have accessed my credit report swithout my permission. They have blocked my phone number. They have snubbed me after violating Fair Housing and Credit Reporting laws by accessing me and another woman 's credit report and merging them. By doing this they created a false credit score and decreased my credit score with this inquiry. I am concerned about identity theft with Veteran United. I want to be made whole. I want this mortgage inquiry removed from all XXXX credit reports ; XXXX, XXXX, and XXXX. 

XXXX XXXX
XXXX Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from Third Federal Savings ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call XXXX Opt Out at XXXX or write. 
First - Third Federal Savings regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on XXXX, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via XXXX is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. XXXX 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want XXXX  collecting, or reporting any of my financial history.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts
someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX.
I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.
To Whom It May Concern : In XXXX, I purchased a home in Texas located at XXXX XXXX XXXX in XXXX, TX. The financing structure was a 1st and 2nd and both loans were through XXXX XXXX XXXX ( A subsidiary of XXXX ). Unfortunately, in XXXX, tenants moved out and there was extensive damage both from them and from the hurricanes. Simultaneously, my business had been affected by the collapse of the economy and I was going through divorce as well. I did my best to work with local realtors to get the home listed for sale or rent but couldn't get anyone to represent me with the home in the condition that it was in. Finally, the home went to foreclosure. At the time of foreclosure, XXXX XXXX sold the 1st Trust Deed to XXXX XXXX. The 2nd had already been transferred to Specialized Loan Servicing. Specialized Loan Servicing did not make any claim at the time of the foreclosure and ultimately got nothing. Shortly after that, they started sending me letters and calling me, trying to collect the principal balance. The loan was attached to property that went to foreclosure and I had never refinanced it. Therefore, the loan should have been a non-recourse loan. Even if it wasn't, Specialized Loan Servicing eventually charged the loan off through a Profit and Loss but they still continued trying to collect the principal balance from me. At one time, I was so frustrated that I offered them a nominal settlement but they stated that they would XXXX me for the difference so I halted the negotiations.
I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you
I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014
XXXX working in conjunction with XXXX Transunion and XXXX requested my credit file be pulled and reviewed in a 'hard inquiry ' simply because someone got on-line and attempted to use my name, address and date of birth to apply for credit and/or a product or services. 

When contacting XXXX to report fraud, they denied ordering a 'hard inquiry ' yet it does now appear as a 'hard inquiry ' initiated by XXXX with my report being provided by the above XXXX credit reporting agenices. 

My complaint and question is how can any person impersonate someone on-line by applying on-line for credit and large companies like XXXX pulling my credit file before even verifying the party on-line is truly whom they claim to be? 

Should not the companies such as XXXX do more preliminary work beofre being authorized someone 's credit file using a 'hard inquiry '?. Not only does this seem to be a breach of my identity but potentially could have led to further financial calamity on myself and my family. 

So now I am stuck with this hard inquiry that I never asked for and all XXXX reporting agencies are saying there is nothing they can do about it and the inquiry must stay on my credit report. 

My request is that the XXXX reporting agencies be required to remove this unauthorized hard inquiry from my credit file at once. And I also request that XXXX be forced to review their on-line credit application process to prevent further incidents such as this. 

Best regards, XXXX XXXX XXXXXXXXXXXX
in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that  supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. Please help me.
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.
On XX/XX/2017 I applied for the Synchrony Stash Rewards Hotel Credit Card. They advertised a promotional bonus of XXXX Stash rewards point after {$3000.00} of spend was met within 90 days. I applied for the card and was approved for the offer, but only received XXXX bonus points. 

Synchrony says that the XXXX offer was only meant for targeted users in an email, but I read the fine print on the application and no where did it say that. 

Numerous attempts calling Synchrony have not provided a resolution. Initially multiple reps said that they would issue the XXXX points at a later date. This never happened. Now they say I was not targeted for the offer and will not receive an additional bonus. They also did not provide any proof that I was not eligible due to the terms and conditions. 

This offer was publicly available on XXXX 's website, the application page did not ask for a special code, and the application page stated the terms would include XXXX points. Synchrony is not honoring their terms at the moment.
On XX/XX/2017 Fifth Third Bank made an unauthorized hard inquiry to my credit report ( XXXX ) of which I understand is illegal. I never signed any documentation authorizing this inquiry which is currently affecting my credit score.