WillisBack/dataset-financial-user-claim huggingface dataset:
I work for XXXX, a branch of XXXX XXXX XXXX. When purchasing our first home, we chose Wells Fargo because they were the preferred home mortgage lender with my company, and they had a Wells Fargo XXXX XXXX program that was explained to have more benefits as a XXXX employee. When we met with a XXXX XXXX at Wells Fargo back in early XXXX, he explained that we would be receiving a {$500.00} gift card if we decided to process our loan through their company since that was a benefit of the Wells Fargo at XXXX program. This and other factors, ultimately secured our choice with going through them and I even emailed our XXXX throughout the process to ensure he was adding that to our loan, which he confirmed ( documentation supplied ). We were told this would usually come XXXX weeks after closing. We closed on our house mid XXXX XXXX, and as of XXXX, still had not received anything. I reached out to our XXXX, who I was told is no longer employed by Wells Fargo, and then I reached out to them via their online contact us form for the branch we used. I was contacted by another representative, who confirmed that I should have received the {$500.00} gift card, and that possibly our initial consultant had forgotten to add it or had incorrectly entered it on the loan. I had to follow up with her myself every week or so for an update on the correction, at which point later on, she replied that her XXXX had confirmed that the code needed was not entered correctly by our XXXX, and that this was being sent to be fixed since they no longer had access to our loan at the local branch since it had closed already. They said it had to be corrected outside of their office, and I was continued to follow up, I was just informed a few weeks ago that it had to be escalated to Wells Fargo 's XXXX to be fixed and that someone would be in touch with me shortly. It 's been XXXX weeks now, and no one from XXXX or the local branch has reached out to us concerning the matter. It is extremely frustrating to have not only had this {$500.00} promised to us to help persuade us to use Wells Fargo in the beginning of our home mortgage shopping, and then our XXXX failed to enter it on the loan correctly, and now the company, having known of the issue since XXXX, still have yet to provide any type of update or resolution on the problem.
CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account. 

The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me. 

My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.
XXXX/Quicken Loans pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.
Chase is in violation of CA laws barring contribution to 2nd lien holders in short sales. Chase is also in violation of debt collections practices act on a discharged debt. There needs to be an immediate investigation into Chase 's practices of unethically extorting cash from non debtors on debts that have been charged off. 

At issue is a short sale request that submitted to Chase on XX/XX/18. At the time the short sale was submitted we were notified by Chase, ( the 2nd lien holder ), that they were in the process of doing a lien release on the property. Once Chase discovered that the property had an offer they decided to change their mind and remove the debt from lien release. This debt is tied to a debtor who did a Chapter XXXX bankruptcy and there is ZERO equity on the property due to the amount owed to the 1st lien holder and delinquent taxes. The fact that Chase removed the debt from the lien removal process once they discovered there was a pending short sale is unethical however the issue is the fact that Chase is trying to illegally require contributions on this short sale whereby they were they will receive XXXX dollars should the property go to foreclosure auction on XX/XX/18. 

Chase was offered a very generous XXXX from 1st lien holder for their lien that has zero equity. Instead of doing what is ethically required Chase came back and demanded an outrageous amount of {$210000.00}. This obscene and illegal demand is outrageous. Chase has concurred they have ZERO equity on the property. Chase advised they were in the process of doing a lien release for XXXX dollars. Now all of a sudden they are illegally trying to demand outrageous contributions of {$210000.00}. There needs to be a class action suit for this type of egregious extortion tactics. CA law does not allow seller to contribute on short sales and the seller filed Chapter XXXX. The fact that Chase is demanding a contribution is in itself illegal. Demanding that a buyer of a property that has no obligation to another party 's debt pay an outrageous demand is insulting and causes real harm to buyer for which they have the option to seek legal relief. Chase needs to accept what 1st lien holder has offered.
Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).
Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.
This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.
I sent Experian a letter on  XXXX   XXXX ,    2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy, that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX ,    2017   ( w hich I did not receive until  XXXX   XXXX  ) stating that the record had been verified and would remain on my report. They did not state how the information was verified, which poses a huge problem. The letter that I sent included a letter from Alaba ma Federal Court stating that they do not provide Public Record information to Credit Bureaus. This record information was not obtained from the court, and should be removed from my credit report.
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( ProCollect ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ).

The first collection letter from ProCollect was billed for {$1700.00} ( an amount submitted by XXXX  XXXX/XXXX  ).

After I began my dispute with the 3 credit bureau giants, XXXX made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the XXXX  and evidence that the property management company ( XXXX XXXX/XXXX  ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XXXX  XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but XXXX, ProCollect and XXXX XXXX have refused to respond or make proper adjustments.
Recently found out the school XXXX XXXX XXXX XXXX I graduated from in XXXX, is now being forced to shut down in XXXX, while I 'm still left paying federal and private student loans that were taken out for me by the school. I understand that there are options for currently enrolled students and students who withdrew from the school within 120 days to have their loans forgiven. I 'm researching to find if there are benefit options for people like me who has graduated from there but are left paying for a degree from a school that is now shut down.
I requested this company Resurgent to provide documentation about the debt they are trying to collect from me. I talk to a customer service rep over the phone twice and she said that they do n't have the documentation right now, that I would have to wait for them to get it, I sent out two emails one on XXXX/XXXX/2016 and again on XXXX/XXXX/2016 asking them to send me verification and documentation of this debt and I have not had any response from the email. I also sent a certified letter requesting this information and I received my return receipt on XXXX/XXXX/2016, but to this day I have not received any verification or documentation as of yet.
I recieved a phone call from Cambridge Asset Management. They called me from XXXX. The lady said her name was agent XXXX XXXX. She told me over the phone that they worked for a lawyers office and were the mediation company. Trying to collect on a debt from 4 years ago. She stated that If i did n't pay them, that they would file a civil complaint with the county clerks office. I asked to speak with her district manager and she could not give me his name. I told her I would be in touch after some research. On XX/XX/17 I recieved another call from agent XXXX XXXX. She left a voicemail stating that they were going to turn this to the county clerks office to proceed with paperwork. On the voicemail, she stated my date of birth, last 4 of social security number and my drivers license number. I think that is highly inappropriate to give away such sensitive information as I might have change numbers and then my personal identification would be given to a stranger. I am not happy with the scam companies tactics to collect debt and I think they need to be investigated further. She also informed me that they would look for me at my place of employment, which I know they are not allowed to threaten.
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX XXXX XXXX and the trucking company they guided me to.
A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. 
The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. 
I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. 
Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. 
I can supply all correspondence and copies of payments made should you require that detail. 
Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection agency.
On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.
The book value of my vehicle is XXXX dollars and my loan with Santander usa is XXXX principle where as the pay off is XXXX. I now owe XXXX dollars for this months payment which is partially due to XXXX dollars in accrued interest and they also attach XXXX late fees to every late payment. In addition, my monthly payments are a ridiculous XXXX monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid XXXX in financial relief. Can you help me with this company which practices bad business ethics?
The loan origination fee listed on my Good Faith Estimate does not match the fee on my closing documents. Also, the company has promised to refund a fee that was charged to my credit card, but no credit has appeared yet.
My identity was stolen in XXXX of this year. I then went about the proper procedures when alerting banks and the credit bureaus. I notified my bank Navy Federal Credit Union, who is holding me accountable for the identity theft even though after the investigation through XXXX. I am proven innocent and that I had no affiliation with the con man.
XXXX and EMCE is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. XXXX is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning ca.XXXX.alert the IRS and check the books on all adults ssi paperwork and income and you'll see.
I just received notification today, XX/XX/XXXX, from Experian that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a XXXX XXXX loan or refinance my home. Please help.
The bank claims I made a {$1900.00} purchase at XXXX in XXXX using my chip card. I live in XXXX but recently visited XXXX and XXXX on business. Two things occurred leading up to this fraudulent purchase. My bank sent me an E-Mail stating they are sending the debit card I requested. At the same time, someone had my home mail forwarded to an address in XXXX. I did not request either. 
The bank claims the purchase was made with the chip card in a XXXX ready machine. The card has never been out of my possession except for the occasional use when you hand it to a store employee to swipe. And that is what they do, swipe the card. I do not ever recall handing to someone who inserted it. 
If the chip card was used in a XXXX ready machine, how was it processed in XXXX?
Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? 
My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. 
Why was no notification sent to me, the borrower, that this transfer had taken place? 
If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?