WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is to notify you about a problem I am having with Chase XXXX Lien Holder Department in regards to prolonging the short sale process of my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am dissatisfied with the Short Sale Department at Chase because I have now been informed that the file has been selected for yet another internal review for the THIRD time. The file was OK 'd by the management department and was sent to the closing department to finish the short sale process. Now, randomly Chase has decided to pull the file once again to do another internal review of the file KNOWING that the short sale approval for the XXXX bank XXXX is expiring on XXXX XXXX, 2016. 
XXXX has already extended their short sale approval XXXX times to accommodate Chase 's numerous internal reviews and rejection of previous buyers and real estate broker. The short sale approval from XXXX expires on XXXX XXXX, 2016 and I 'm not sure if they will extend it again. 
To be honest, this entire process has been a nightmare. I can tell you frankly as a homeowner who now finds herself in the situation where she needs to short sell a house, I am disappointed and sad about my own inability to successfully complete a regular sale of my property. When I was laid off a year and a half ago after going on XXXX leave to look after my XXXX, I was desperate to find solutions to deal with a difficult financial situation. That situation has only become worse with our property catching fire and sustaining considerable damage. I am now currently looking for work in XXXX as I have been unemployed for over a year and have been advised that there is more work available there. Living with help and assistance from family and friends I have been able to get by. However, with the property being located in XXXX and being in XXXX, this is a big source of worry. Also, a neighbor that I am still in contact with has told me that there have been many suspicious people on and around the property attempting entry. This property is a serious liability and has caused XXXX for me. My only hope was that Chase would be able to see that I am a homeowner who is attempting to do the right thing and let go of this property in a way that will satisfy all parties involved. 
I now realize that Chase does not want to assist me in my efforts to complete a short sale on the property. It seems that Chase would rather have the property foreclosed on. 
I wrote a letter to XXXX XXXX XXXX dated on XXXX XXXX, 2016 to try to resolve this internally with Chase with no luck. See that letter attached.
As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.
XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.
I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit.
XXXX 2015 I began a process to get a home equity line of credit from XXXX XXXX Bank in XXXX New York. They found out that Bank of America, who had taken over my loan from now defunct XXXX XXXX XXXX. While BOA did pay the loan off, they never got a lien release, therefore the new bank would not grant a home equity loan. I have worked with numerous people in Bank Of America and after 9 months, they produce an ASSIGNMENT OF MORTGAGE from a representative of the defunct mortgage company. HOWEVER ... THEY DID NOT USE THE APPROPRIATE LANGUAGE and has been rejected by The XXXX XXXX XXXX and XXXX XXXX Bank as it still shows that I have a lien that does not exist! 
It is now almost 14 months to resolve this!! I have tried to contact Bank of America but have not received a return call. 
The missing paragraph in the assignment of mortgage is : " THIS ASSIGNMENT IS NOT SUBJECT TO THE REQUIREMENTS OF SECTION XXXX OF THE REAL PROPERTY LAW BECAUSE IT IS AN ASSIGNMENT WITHING THE SECONDARY MORTGAGE MARKET '' I am at my wits end to get Bank of America to fulfill their responsibility so I can move forward with my loan application. If this had happened during the sale of my home, it would have caused me to lose the sale for sure! 
It took them 9 months just to get the rep from XXXX XXXX XXXX to sign the incorrectly worded assignment as it is.
XXXX XXXX is reporting this account to Transunion Ive already reached out to Transunion explaining to do a thorough investigation. Im going to attach these documents with this signature that is not mine from a contract that was sent to me. I want this investigated again. The amount keeps going up on my credit report I dont understand how they keep jacking the price up on this zombie debt thats not mine.
Entered into an agreement with LoanCare however, they keep requesting the same information that has already been submitted, they charged us {$200.00} for a loss mitigation package, and it still shows we are behind after requesting an unemployment forbearance consideration, which we were approved for on a FHA mortgage
A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to XXXX.
Unauthorized withdrawals are being from a fraudulent from the XXXX XXXX XXXX XXXX. They are stealing money from my XXXX  XXXX XXXX checking account. I filed a fraud dispute claim against them, but now they have changed the name of their company in a sneaky manner to Equitable Acceptance Corporation and continuing to steal more money with additional unauthorized withdrawals. 

I called and filed another dispute with the fraud dept of XXXX  XXXX XXXX. This is getting out of hand and I need assistance to put a stop to their dishonest and criminal business practices.
I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!
I received a wage garnishment from pressler and pressler. Never received a summons or any paperwork prior to this wage garnishment. Also the amount owed is in question.
The online website account history shows that the account balance is positive by US mathematical standards, yet Netspend Corporate managers/representatives say that it is Not their standards. For instance ; Here is what my balance on the website will show to me is the balance is {$10.00} ( XXXX dollars ) ; Balance ( {$10.00} ). However this example is actually a Negative balance. If it was a Negative balance it show show or read as follows ; ( - {$10.00} ). I talked to a representative of Netspend and they told me that on their side of the website it shows a Negative but not mine. This is Fraud and misrepresentation of facts. It is a trick to get extra fees from customers/consumers, because each time they make payments with a Negative balance that they think is Positive, they get charged fees like I did.
In XXXX XXXX, I reviewed my credit report via XXXX after being denied credit to refinance my house. I was advised that I had XXXX civil judgments on my credit report. Both civil judgments occurred in XXXX XXXX, Fl. I pulled the docket numbers ( XXXX and XXXX ) from XXXX XXXX Circuit Court. The defendant in both cases is XXXX XXXX XXXX, XXXX XXXX XXXX, FL with a date of birth of XXXX/XXXX/XXXX, SSN : XXXX. Debski Associates was the plaintiff for XXXX and XXXX was the plaintiff for XXXX. My name is XXXX XXXX XXXX, XXXX/XXXX/XXXX, Last 4 SSN : XXXX. I notified both plaintiffs on XXXX XXXX XXXX that XXXX XXXX collection and derogatory information ( attached documents ) was placed on my credit report erroneously and I wanted it removed expeditiously. Four months later it was removed from all XXXX credit reports after my credit score dropped, my credit agencies closed my accounts or reduced my credit limit. This also affected my security clearance for Department of Defense. 
In XXXX XXXX, I received a letter from a credit card ( XXXX Bank ) stating that my credit limit was being reduced on credit card due to serious delinquency and collections. I pulled my XXXX credit report and the previous collections ( XXXX and XXXX ) from XXXX XXXX Circuit Court were placed back on my credit report, to include additional delinquent credit card and mortgage accounts. At this time, I have been refused credit as well as the ability to lease a house. My credit score has dropped over XXXX points and once again my security clearance is in jeopardy. I contact the XXXX Credit Agencies and pointed out the disputes on the reports reference to XXXX XXXX XXXX. However, all agreed to look into the disputes but none was able to explain why this issue occurred again. XXXX actually told me to contact XXXX XXXX XXXX and have her fix her credit issues. I attempted to make contact with Debski Associates and XXXX to get this issue resolved ; however, neither company would address the issue and told me to contact the Credit Agencies. I 'm prepared to provide copies of my XXXX and XXXX XXXX credit report, the dockets, and letters to the XXXX plaintiffs.
My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.
I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.
I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.
Over the weekend I had small pending charges to my account and I had pending receiving credit which would bring my account to much higher positive rather than overdrawn. I believe, since they are going by the debit charges when they are clearing, the computer is generating a {$34.00} fee per item ; I was charged ( 3 ) three times : {$100.00} total. It was not a situation that I was cleared a negative for 24 hours but the same day transaction.

I spoke with ( 3 ) three Chase Manager Bankers and none of them had the power to override the computer error. The same situation happened to me this past XX/XX/XXXX and I was able to get credit, but this time they insisted that they are not able to offer me the credit.
I have been writing every 30 days to XXXX and Experian about a Bankruptcy that is showing on my credit and i have wrote XXXX and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.
I have both Federal and Private loans serviced through Navient Navient recently changed its website, around the same time I got a new checking account through a new bank. I set up automatic pay using my new bank information. A month later I found out that the auto pay went effective for the private loans but not the federal loans. When I called them in XXXX 2016 they simply gave me a forbearance and reamortized the account and the representative told me that everything was taken care of and that autopayments would begin with my XXXX payments. Now, I got a notice that my account was two months past due. I called and told them I took care of auto pay in XXXX and it still is n't working. They had me do something different this time, going through their old website and set up auto pay. I did that and the representative confirmed that it went through but the application had an auto- matic provision for forbearance of the two months late. In addition, I have been getting emails soliciting forbearance from Navient. I thought it was just spam but it makes me wonder if Navient is not having issues deliberately to reamortize so that consumers are paying more in interest over the long run. this is now the second time that they have reamortized my account. I would like this looked into to make sure that this is not a wide spread practice. No option to pay the outstanding amount was given to me in order to have the auto pay effective and they were quick to just have the account reamortized.
I like to report that I have a Student Loan in deferment and for some reason Experian is dropping my score I have it with XXXX XXXX Student Loan. XXXX XXXX is services my student loans. Their should n't be any reason my credit scores should be going down when they are in deferment. I have not disputed this with Experian because I just say this early this morning. I need to know why are they decreasing my credit score on student loans that are in deferment. Also, this is a XXXX XXXX and no credit decrease should be on the credit report because student loan should n't be reported as a increase or decrease in credit limit. Please pay close attention to the XXXX point drop in my credit score. For student loans that is in deferment.
I would like this case looked at again, this is completely wrong what Bank of America has done. 

I had a Home Equity line of credit, with Bank of America, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low XXXX OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the XXXX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINE XX/XX/XXXX AND XX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL  ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO BANK OF AMERICA WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE
On XXXX-XXXX-2017 Equifax was cyber attack resulting in hundreds on millions of people 's personal info including social security, DOB 's, and ID numbers being stolen by hackers. I was one one these people.
Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.
JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
We were notified by letter XXXX XXXX, XXXX that we were owed {$940.00}, a XXXX Escrow Ck - and that a check had been issued to us but not cashed. It stated we needed to respond no later than XXXX XXXX. My husband called XXXX, they said we would have in 20 days. 
Never received, called again XXXX/XXXX/XXXX. Never received. 
We received a certified letter dated XXXX/XXXX/XXXX. I called XXXX, was told we would have check in 7-10 business days. Never received, called again XXXX, was told the check should have been returned and that he sees no notation on acct. since XXXX. I am told to call back after XXXX so they can investigate and then get the check expedited. 
On XXXX I called and was told they would look into it. ( by supervisor XXXX XXXX. ) Never heard back..
I am unable to pay my mortgage on my home and I was able to obtain a short sale buyer that was willing to give the lender more than the appraised value. The offer was {$450000.00} and the appraisal was {$480000.00}, so the offer is within almost 93 percent of the appraised value. The bank is refusing to permit a short sale on this although I clearly qualify for one. I do not want a foreclosure sale or deed in lieu is this matter both of which have negative implications, while at least in the short sale it will indicate funds were paid to the bank towards the debt I owe. Furthermore, the tax implication is great because at least I know I am getting almost the entire value of the home in this short sale. If the bank takes the home or forecloses on this my accountant advise me the XXXX deficiency may be greater for the IRS and my tax liability would be greater.
I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.