WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature.

The company committing the fraud ( XXXX  ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL.

XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form.

According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card.

Yesterday the Discover Fraud Team ( XXXX  ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected.

Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected.

Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud.

I was only told this on the phone ... .I have not received any written statement explaining their position.

I have copies of all written communication.

My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account
I signed a modification offer submitted to me and my attorney by Ocwen effective XX/XX/XXXX. 
I made all payments timely for the amount specified in the modification agreement. 
However, Ocwen began to reject my payments, claiming I owed fees for unspecified reasons almost immediately. I continued to pay the amount due, plus fees that I categorically deny owing. But still, Ocwen is not cashing my XX/XX/XXXX and XX/XX/XXXX payments. 
I have not received a monthly statement from Ocwen for XXXX and XXXX. So, I have no idea why my checks were not cashed and applied to my account. 
Ocwen is in violation of numerous CFPB rules and regulations. 
I need CFPB assistance in forcing Ocwen to follow the rules and the law. 
Will you help me?
I pulled my credit file about 4 months ago and notice that AMERICAN COLLECTION WAS reporting a fraudulent account on my files. I requested for verification and validation of the alleged debt. They never replied back. I sent them a second request, but to no avail. They continue to call my home at all times of the hour making threats that i can be arrested. This is not my debt!!!!!
I am experiencing financial hardship due to prolonged unemployment. I initiated a loan assistance application because I was unable to make my mortgage payments and yet JP Morgan Chase has been using Collection calls to harass me to make payments. 

I have applied for loan assistance via two applications on XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX is my SPOC and that has not changed. 

Over the last several months, several Chase employees call and demand for different documents to be sent. 

I have complied with all their requests. I have sent the following documents : 1. Personal and Business Bank account statements. 
2. Tax transcripts for XXXX & XXXX, including all Schedules. 
3. Investment account statements. 
4. Food stamp benefit statements and 60-day Food stamp transactions. 
5. Rental condo Lease & Rent Deposits. 


All these documents have been faxed to Chase using the fax machine at one of their local branches. I have copies of these fax confirmations. My contact information, loan number and property address has not changed either. 


To resolve this continued harassment of document requests, I told XXXX that she needs to put document requests in writing. She has avoided doing so. I also told her that I will be getting a XXXX Counsellor to conference the XXXX of us so we can go over any document requests that are pending. 

XXXX Counsellor XXXX XXXX XXXX tried to conference me and XXXX on XXXX XXXX, XXXX at around XXXX PST. XXXX XXXX XXXX who got on the call told us that XXXX XXXX had gone for lunch. 

XXXX XXXX arranged for a conference call the next day at XXXX PST. XXXX avoided initiating the call and then later called back 30 mins later saying she was confused as to the exact time of the conference call. XXXX avoided initiating the conference call. 

Since then XXXX gets others on her loan assistance team to call me up and demand documents that I have already sent. This has happened over 4-5 times. 

On XXXX XXXX, XXXX I got a call from XXXX XXXX once again demanding a new set of documents. I asked her to ask XXXX to call me back, but XXXX is not contactable. 

I called XXXX XXXX, XXXX at around XXXX PST. The person who came on the phone call refused to connect me to XXXX and hung up the phone call. 

I called back and spoke to XXXX XXXX. I left XXXX a voicemail indicating once again that I have completed her document request. If there is any other document needed she needs to call and not instruct others to call me with random requests for new documentation that they make up on the fly. 

Instead of processing my loan assistance application and providing me with a loan forbearance and loan modification, JP Morgan Chase has resorted to harassment calls by Collection agencies during the day and repeated document requests by other team members in the loan assistance team but instructed to harass me by XXXX XXXX.
XXXX has been non-compliant with removing the unverified account PNC BANK, NA Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that PNC BANK, NA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am the Power of Attorney for my XXXX year old mother, who is XXXX, XXXX, has XXXX and lives in Alabama. 
In XX/XX/XXXX, a caregiver living in my mother 's house, had himself fraudulently declared my mother 's Power of Attorney. I was unaware of this : the correct legal route is to have the current Power of Attorney removed ( myself in XX/XX/XXXX when he did this ) and have a new POA created. This was not done. This caregiver used a small town southern real estate attorney to make this change. This attorney no longer practices law. 

In XX/XX/XXXX, when I discovered that the POA had been changed, I used my mothers elder care attorney of many years to remove the fraulent caregiver POA and reinstate me, her daughter. I filed a police report with the local authorities about the financial elder abuse aspect of the situation. ( At the time of the fradulent POA creation, my mom was well into her XXXX ). I was encouraged to sue the caregiver who had himself declared POA by mom 's elder care attorney and by the local detective who investigated the case, but because I was living at the time in XXXX, I decided not to. 

When I went to Wells Fargo bank to have the former caregiver removed from mom 's bank account, they informed me that mom had a credit card in her name ( she is XXXX, and completely dependant, so can not use a credit card ). Because only the former caregiver and my mother were listed on the account, I was told I could not have access to any information about the account. ( I did later learn that the credit card has a 22 % interest rate! ) The credit card had, at the time, a {$5000.00} balance which I began paying off in increments of {$120.00} a month from my mother 's Wells Fargo checking account. 

Currently my mother lives in her own home and is cared for by a live-in caregiver ( after the criminal caregiver was removed ) and subsists on her small Social Security stipend. This year, as her financial agent, wanting to keep mom at home and to be able to continue to pay caregivers, I had to make tough financial decisions. I went to the local Wells Fargo office and spoke to XXXX XXXX, Branch Manager in XXXX XXXX, AL. I described the situation to the branch manager and told her about XX/XX/XXXX Code of Alabama Title 38 - PUBLIC WELFARE Chapter 9E - Protecting Alabama 's Elders Act which has a section about elder financial abuse. XXXX XXXX created a case # ( XXXX ) and directed me to call a Wells Fargo executive ( XXXX XXXX XXXX who, I was told, was in the highest level of Wells Fargo Executive offices in XXXX, OR. XXXX XXXX was completely not receptive to the elder abuse aspect of the situation and told me to continue paying on the account. I stopped the automatic withdrawal payments and have not been paying on the account since the beginning of XX/XX/XXXX. Now I am receiving daily calls from Wells Fargo ( my mom 's phone number has since been disconnected to save money, so they are calling my personal number ). 

Given the original amount of the credit card balance has been paid, I'm requesting the remainder ( interest and fees ) be forgiven.
On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.
Capital One Bank calls my home throughout the day because I missed XXXX payment on the card. I have income during the next several weeks to make payment. I do not appreciate their obnoxious attitude.
The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
I settled and paid this debt on XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX. It reappeared back on my credit report dropping my credit score, as well as XXXX  XXXX sending or selling account to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$160.00}. This account is also showing an inaccurate amount for the credit limit that was given to me the Credit Report. I informed the credit bureau, the creditor and the collection agency of this and have asked them to remove this inaccurate account.
Ditech Financial has not credited my fixed rate mortgage account with interest paid. I made a payment for XX/XX/XXXXthat Ditech received on XX/XX/XXXX. Instead of applying extra funds to the loan as agreed, Ditech applied part of my payment toward the interest for XX/XX/XXXX, calling it " prepaid interest. '' This was the only prepaid interest ever shown on the account. They set the next payment as due XX/XX/XXXX. I wrote and called them about the error. Ditech told me they had fixed it and all extra funds had been applied to the loan principal. They re-set the next payment due as XX/XX/XXXX. So after this, the XX/XX/XXXX payment should have been wiped out, as if it had never been made. The prepaid interest figure should have gone away. It did not go away. When I made a payment on XX/XX/XXXX, Ditech subtracted the prepaid interest amount from the interest due for XX/XX/XXXX. I ended up with a negative figure for interest paid, on the XX/XX/XXXX statement. I wrote to Ditech, told them exactly what the statement should show, and why the negative interest was an error. Ditech wrote back a month later. They do not recognize any error on the statement. They have not fixed the problem of the prepaid interest in XX/XX/XXXX counting against this year 's interest. Since it's a problem of their refusing to credit the account with interest paid as of the date received ( XX/XX/XXXX), aren't they required to fix it? I don't know how the loan could be transferred to a different servicer or how the XX/XX/XXXXtax form will be correct if not. Basically, they are refusing to service the mortgage. Ditech doesn't have the capability to automatically apply extra funds as they say they will. They keep applying them to future months after assuring me they will apply them to the principal. Then I have no payment documentation. This amounts to a penalty for trying to reduce the loan principal. XXXX XXXX should not allow them to service mortgages if they will not service them.
I recently noticed on my Bank of America credit card statement that interest was charged that was different from that which had been advertised, and the APR was shown incorrectly. 

I had responded to a balance transfer offer that specified an interest rate of " XXXX plus 0 % Promotional Rate for the life of your balance transfer ''. 

The most recent statement shows that Promotional Rate, with Promotional Rate End Date as " No End Date '', but lists Balance Subject to Interest Rate as " {$0.00} ''. Instead, there is another line for Fees showing a " XXXX Interest Charge ''. 

Bank of America regularly sends " Notice of Change In Terms '' to me. One of them stated : " If the total of the Periodic Rate Finance Charges for all balance categories is less than {$1.00}, then a minimum Finance Charge of {$1.00} will be assessed on the account in lieu of any Periodic Rate Finance Charge ''. 

Thus this fee is described as a finance or interest charge and should be included in the calculation of APR to be disclosed on the statement ; such a higher APR is not in accord with the advertised promotion. 

Another " Notice of Change In Terms '' stated that " ... the amended agreement ... will apply to the total outstanding balance, including the balance existing before the amendment became effective ''. It is not clear that such an amendment can modify a specific advertised promotion with an advertised ending date, as that would constitute deliberate false advertising. 

Please look into this.
These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

COLLECTIONS NCC BUSINESS SERVICES Last reported : XXXX XXXX, XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + {$310.00} Needs Attention
Capital One marked by account as 'restricted ', I can no longer make purchases or access my {$1600.00} in cash back. I have spoken with them numerous times over the last 3 months and provided countless requested documents. Every time I submit the requested documents they come up with something else that they need or state that a document I sent in previously is now expired. I have gone as far as getting a new social security card because they stated the 'wording ' on my original one ( from XX/XX/XXXX ) was wrong! The last time I spoke with their customer service they stated that I can close my card at any time almost as if that's what they wanted me to do. I have a {$25000.00} limit on this card with a low interest rate and good cash back program so this is the last thing I want. The cash back amount I have received the last few years is 3-4 times the amount in interest that I have paid which leads me to believe that they're simply doing this because I am not a 'profitable ' customer to them. During this whole process I am unable to use my card or redeem my cash back while they collect interest on roughly {$6000.00}. Since XX/XX/XXXX I have only made the minimum payment due. I will not pay this amount off in full until they at least release the cash back earned so that I can apply it to my account.
I started a mortgage with XXXX XXXX XXXX on XXXX. 

XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The servicer at the time was XXXX. XXXX signs assignment on XXXX. 

So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX? 
I believe we have fraud and disgorgement.
In 2008, I opened an account with XXXX with some roommates. After I moved out, I made the mistake of keeping the XXXX contract / service under my name. When my roommates moved out, they never returened the equiptment so XXXX XXXX charged me XXXX for the returned equipment that was never returned. I was unaware of this and now I am receivign a collection notice from a debt collection company called Afni , Inc . Address of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. This debt is over seven years old. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), my outstanding debt should have been removed from my credit report. My questions are, why has n't my outstanding debt been removed from my report and why is this collection agency continue to harass me?
I have been the victim of identity theft someone has been running my credit and trying to open multiple accounts and bank accounts I am going to place a lock on all credit bureaus please place a fraud alert on my credit report asap. The following inquiries are fraudulent and not mine : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
I am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from my credit report.
XXXX XXXX transferred me to SPS ... SELECT PORTFOLIO SERVICING IN 2015 XXXX. I HAVE MADE ALL MY PAYMENTS ON TIME TO XXXX AND SPS. somehow and i still do n't know why, XXXX took my payments and divided them saying that i owed XXXX $ then i wrote for a research and investigation.when sps contacted XXXX/after a year of harrassment calls and letters they then said i owed another XXXX remember i made all payments never late or missed.i contacted CONSUMER COMPLAINTS SEVERAL TIMES TO NO AVAIL.now after 14 m0nths i am getting new harrassment letters of forclosure.to stop the harrassment i have been sending extra payments to sps on XX/XX/XXXX, with my reg XXXX payment.this XXXX holiday SPS SENDS ME MORE FORECLOSING LETTERS THE SAME SAME LETTERS I RECEIVED 14 MONTHS AGO ... REALLY .PLEASE GET THEM OFF MY BACK AND IF U CAN FINE THEM FOR THEIR INEPTITUDE AND UNPROFESSIONAL DEALINGS WITH ME FOR OVER A YEAR. thanks XXXX XXXX
I want XXXX and Bank of America to be sued for monies given to them by the US Government and all business cut off from them by the U.S. Government. They are taking a political stand that doesn't represent the US Government or the 2nd amendment. I am sick of it.
XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on XXXX.
Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.
XX/XX/2018 called receivable management to enquire about debt that was on my credit. Was told it was from XXXX XXXX  XXXX. Was told insurance didnt pay them, called previous insurance company and they said it was paid. The amount they said was XXXX which they were asking for.