WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is regarding XXXX XXXX XXXX XXXX as well as Selene Financal. My name is on a first and second mortgage along with my ex wife, through XXXX XXXX. My wife and I were divorced in XXXX. She was awarded the house and required to refinance both mortgages within 24 months. She never refinanced and ultimately fell behind on the payments. In XXXX, she abandoned the property and filed for Chapter XXXX bankruptcy. Since my name was still on the loan, I began proceedings with XXXX XXXX to attempt a short sale of the property, which would be beneficial to both them ( certainly more money than a foreclosure ) and myself. After considerable time working with XXXX XXXX just to get authorizations in place for them to talk to us and the our attorneys ( considering the bankruptcy ) we were finally able to provide XXXX XXXX with a listing agreement and an immediate offer in XXXX XXXX. Following this, my attorney and my realtor both stayed in constant communication with XXXX XXXX, sending, re-sending, re-sending again the same paperwork over and over. Then, in XXXX XXXX, we were advised that we were approved for a ... modification! We did not ask for a modification, nor did one make any sense. I 've lived in my new house since XXXX, and my ex-wife had abandoned the old old a year and half prior. Inexplicably, this un-requested event also required that we start completely over with the short sale process. Again, documents were sent and resent, discussions over the same points over and over again, and weekly calls were scheduled between my attorney and XXXX XXXX. Note that within this period ( XXXX XXXX ) an appraisal requested by XXXX XXXX also came back at {$80000.00}. Finally, in XXXX XXXX, after a year of unnecessary back and forth, while the property sits unattended, un cared for and losing value day by day, we were approved for a short sale for the offered amount of {$100000.00} ( over $ XXXX more than the appraised value ). Unfortunately, immediately upon getting approval for the short sale, we get notice that XXXX XXXX is selling the first mortgage to Selene Financial!. Selene summarily rejects XXXX XXXX 's approval, makes us send in duplicate paperwork again, not even talking to my attorney or realtor until authorization forms are received, even though multiple copies of the forms have been sent in. Now, in XXXX XXXX, after receiving all documents requested from us, Selene informs us that they are rejecting the short sale request, as their own appraisal is $ XXXX. They refuse to provide documentation on their inexplicably high appraisal and are now requesting even more paperwork to even consider further negotiations. There is no possible way this property is worth $ XXXX in its current state. It has been abandoned for almost 2 years now, with XXXX maintenance, and losing value every day. Meanwhile, I am stuck with my name on a loan I was n't supposed to be responsible for. Surely they will not get anything close to $ XXXX out of the property if this goes to foreclosure. I do not understand why they will not wrap this up as it is in everyone 's best interest.
Bank state that I had overdraft protection when I had never asked them for that, They said they had mailed me a letter XX/XX/2015 telling me I had it and I had not responded otherwise so I accepted.
On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of XXXX ( XXXX ). XXXX alleges the original creditor was XXXX XXXX ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to XXXX. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from DYNAMIC RECOVERY SOLUTIONS ( DYNAMIC ). DYNAMIC alleges its client is XXXX, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that XXXX and DYNAMIC have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, DYNAMIC chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or XXXX, there was no validation of debt. 

It appears XXXX, XXXX, and DYNAMIC are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears XXXX and DYNAMIC are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported DYNAMIC to the CFPB previously.
I have an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.
There was false charges on my chase debit card, I called chase that evening after I found those charges. Later that month my claim was denied and I was out XXXX. The charges was made at the local grocery store down the street while I was at work. They claimed my signature matches therefore my claim was denied. I was at work and the card was in my possession. We disputed this charge XXXX called XXXX times and also escalate it to their senior management. They advised me there is nothing I can do to reverse these false charges and I will have to file a police report and handle it with the merchant. Chase bank does not provide the protection that they claim they say they do.
Dear Customer Claims Department, Fax XXXX On XX/XX/2018 two fraudulent transactions were processed on my debit card. 
In the Chase transaction report it shows as a XXXX CA gas station. 
{$390.00} XXXX and {$420.00} XXXX. I have never been to XXXX  CA, I never make large gas purchases and never make debit card purchases at middle of the night hours. Im not sure why it wasnt flagged as fraudulent and declined. 
We notified chase the same day XX/XX/18 while the transactions were still pending. After researching the claim our claim was denied stating the pin was entered and the card was somehow present. There is no possible way my card could have been there since it was in my wallet at home. I have never given my pin out to anyone. 
I have contacted the local XXXX police Please see attached proof that I was in XXXX and refund my account {$810.00} ASAP. 
Attachments : XXXX XXXX Records Work Time clock Customers/witness Tanning Report I have been a Chase Client for many many years and currently hold 6 Chase Bank/Savings accounts and 2 Credit Cards. I have never had any incidents in the past. Please make this situation right and restore my confidence in Chase Bank.
I have a mortgage with my ex-spouse in another state. Several months ago the statements started coming to my new address not forwarded but with the new address even thought they were not changed by me or the primary. The primary tried to get the address changed back to the property address however twice they failed to do so. 
I called to try to do it and was told that because I didn't know the password they were unable to give me anything about the loan. I did not place a password on the loan however I am still on the loan under my married name and if something happened I would be responsible for the balance. Since the primary is not getting statements he is at this point late on his payment which is affecting me and my credit however they are unwilling to do anything to assist me. They were unauthorized to change the address and did not do their proper due diligence as there is no mail under my married name that actually goes to my new address. 
Not only do I have concerns that this may affect my credit but I feel this practice could lead to identity theft in that they wont assist me and changed the address without written or verbal consent to do so. This appears to be a basic lack of Know your Customer Regulation practice. There was no address change confirmation sent to the XXXX XXXX  address nor as I am aware to the XXXX address. 
I have only requested that they update the address back to the property address. The property address is clearly listed on the statement as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I divorced I changed my name back to my maiden name and moved. The address that the statement got changed to was XXXX XXXX XXXX XXXX, XXXX XXXX. This is a very drastic change. When I settled in XXXX I settled under my maiden name XXXX XXXX. No XXXX XXXX or XXXX XXXX have ever established residence in XXXX or credit for that matter.This can be easily verified with XXXX  or XXXX systems or even a credit bureau soft pull. They did not attempt any of these in making and address determination and wont allow me access to my own loan to update or even inquire.
Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least 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 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. 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.
This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER
The company reported an unsubstantiated debt to credit reporting agencies which adversely impacted both my credit and a financing application giving rise to damages of higher interest rates. 

The company failed to properly substantiate their clients claim of a debt owed. I in fact do not owe their client anything ; their client owes me several hundred dollars.
Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and now in Delinquent and charged off
XX/XX/XXXX received a text message from a non identified number. Also there was not identification in text as well. Only after I called number attached was I able to find out who it was. Text stated I needed to make a payment by XX/XX/XXXX which is 344 days away. This is the only conclusion because you can not make a pa

yment in the past. Company violated FDCPA Code section 807. They didn't disclose. I have screen shots and am perusing considering all options in regard to this blatant disregard for law. In addition this violation of FDCPA there are additional violations that I am seeking counsel in regard to at this time. I have screen shots that I will provide if necessary confirming this matter. 807. False or misleading representation ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the con
sumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

According to Section 807 ( 11 ) of the FDCPA, the initial communication between a collector and a consumer must disclose that its from a debt collector attempting to collect a debt and that any information obtained will be used for that purpose.
I check my credit report XX/XX/XXXX I seen all these things on my report I have no knowledge of. I immediately contact Equifax - I have so many dispute case numbers that Equifax email back to me I have them all printed out. I ask Equifax to verify these accounts - Equifax will soon reach out to me by mail or I can view the status online it states these accounts have been verified and I should reach out the company itself. I being to write the company 's all certified letters and I have all my certified receipts that the letters were received. Instead of the company 's sending me verification I received statements or invoices - letters. I still have these letters and all of the letter along with statements invoices were submitted to Equifax. I disputed inquiries yet still the same thing they have been verified and I need to reach out to the company and when I reach out to the company Im directed back to the credit bureaus. I have been going through this now for a year and a half and nothing verified. XXXX XXXX sent me a letter stating the account is listed as disputed and they will forward this to the credit bureaus so I waited and waited and yet still right today that account is still there. Then Equifax removes some accounts and since then have added them back with dates open as XX/XX/XXXX. After going back and forth with Equifax for one year since XX/XX/XXXX this have left me XXXX. I wrote Equifax regarding XXXX aka XXXX I was told to contact the company I contact the company just asking for PROPER VALIDATION of the accounts and its been a year and I have not received. EQUIFAX needs to realize they have broken the rules and laws and at this time Im not seeking compensation Im asking that I wait no longer just removed now
A new debit card with the logo visa was issued and was supposed to come in the mail, my account balance was {$16.00} but when I went to check it it was at - {$4.00}, when I saw my current bank statement it said that the debit card was used but I have n't received it which was odd. Called to the US Bank and was told someone activated my card and used it at a gas station which I knew I did n't make, the personnel at the bank told me that after various attempts to withdrawal money from my debit card failed because of the wrong pin number, the remaining quantity of {$11.00} was used. Then we proceeded to make a card fraud report with the bank via phone.
Ocwen is reporting a balance still and currently late when the account was paid and done in 2012! It is affecting my financing. It is inaccurate and in violation.
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.
XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.
I had a XXXX visit in XX/XX/XXXX and believed that all bills were paid. I moved in early XX/XX/XXXX and had a forwarding order to transfer my mail to XXXX. I kept my same phone number as I had in XXXX. In XX/XX/XXXX a collection was placed on my credit report. I had no knowledge that any balance was due. I did not receive any notices or phone calls! On XX/XX/XXXX, I ran my credit report and found this notice. I called the collection company today and they told me that they do n't have to call me. I informed them that I moved in early XX/XX/XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was diagnosed with XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XXXX XX/XX/XXXX. 

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees. 

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( XXXX XXXX ) is not a good indicator of my actual credit worthiness. I hope that ( XXXX XXXX ) is willing to work with me on erasing this mark from my credit reports. 

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( XXXX XXXX ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account. 

Your kind consideration in this matter is greatly appreciated. 
Regards, Your Signature XXXX XXXX
Discover closed my credit card account for no reason, affecting my credit history. After discussing at forum, I found that the closure of account seems to be discriminating XXXX customers since lots of such " no-reason '' closures happened.
My brother passed away in XXXX on XX/XX/XXXX His mortgage with Wells Fargo went unattended until XXXX when the family figured things out and made a 3 month payment to bring the note current. In XX/XX/XXXX I went to a Wells Fargo branch in XXXXXXXX near where I live to make a mortgage payment and was informed my brother did not have a mortgage with Wells Fargo. When I pressed the issue I was informed that the mortgagee was only my brothers ex-wife and my brother was only listed as someone who was to receive the communication, ie : monthly statements. From XX/XX/XXXX - XX/XX/XXXX, I responded to all Wells Fargo letters, answered all phone calls from Wells Fargo and stayed in contact with Wells Fargo to resolve this issue. Early in XX/XX/XXXX XXXX from Wells Fargo foreclosure department called and asked for my brothers ex-wife. Explaining the death, appointment as personal representative, etc. for the XXXX time to Wells Fargo, because none of the Wells Fargo representatives bothered to input a record of the phone calls, XXXX told XXXX I was not in Wells Fargo system as someone he could discuss the foreclosure with. When asked what foreclosure he informed me the property was 2 days into forclosure, he would look into this mess and get back to me within 2 days. Hearing nothing from him, on day XXXX, I went to the XXXXXXXX Wells Fargo branch to make a mortgage payment. Wells Fargo refuse to accept this payment. I then contacted an attorney and we were able to get the property reinstated without fees and penalties including Wells Fargo attorney fees. A request for an " investigation '' into the situation was requested. An investigation was conducted by Wells Fargo and concluded, my summation, because Wells Fargo did not tell me they could not find the account or tell me I could not make a payment, no adjustments would be made. My complaint is : Wells Fargo knowingly denied both my brother, when he was alive, and myself as personal representative access to his mortgage information due to his not being listed as a mortgagee in Wells Fargo records. This repeated and on going behavior of Wells Fargo continues to reap Wells Fargo the benefits of a non-modified mortgage with a XXXX percent interest rate. Last week I paid Wells Fargo {$9300.00} to reinstate the mortgage because the remaining balance of the mortgage is about {$55000.00} and assessed value of the property is about {$170000.00} and as a family, we have decided the property can not be let go of with this amount of equity at stake. Wells Fargo 's investigation does not include anything from XX/XX/XXXX through XX/XX/XXXX and the reason the property is in foreclosure is simply no payments were made. I believe the reason the property went into foreclosure is that Wells Fargo has a complex set of policies and procedures which allows the to XXXX track a mortgage. Having a customer responding to communications and calls on XXXX side while moving the property into foreclosure.