WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan Chase Bank, Chase Home Finance LLC and XXXX XXXX XXXX, XXXX. ( Attorney for Creditor ) Filed False Claims XXXX XXXX XXXX. XXXX ( XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX and the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois. In the United States XXXX XXXX XXXX XXXX of Illinois XXXX XXXX XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX, mailed a notice of a Motion to Modify the Automatic Stay on XXXX XXXX, XXXX, and XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX obtained an Order Modifying Stay on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, filed a sale pursuant to Judgement of Foreclosure in the XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois on XXXX XXXX, XXXX. 

While under Chapter XXXX Bankruptcy Protection, Chase Home Finance , LLC and its successors and assigns and XXXX made false claims that they were the " Creditor '' servicing the first mortgage lien and obtained an " Order Modifying Stay '' on XXXX XXXX, XXXX by XXXX attorney, XXXX XXXX XXXX, XXXX # XXXX. 
JPMorgan Chase & Co., JPMorgan Chase Bank , N.A . letter dated XXXX XXXX, XXXX stated that XXXX XXXX XXXX was the Servicer at the time JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim. 
After JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim in the United States XXXX Illinois XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, proceeded to file a sale pursuant to Judgement of Foreclosure on XXXX XXXX, XXXX in the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois with a sale or auction by the XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX. 

JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX claim in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX was factually untrue at the time the claim was made. 

XXXX. False Claims -- XXXX XXXX XXXX XXXX XXXX ) Subsection ( XXXX ) of Section XXXX sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is XXXX that is known by the creditor to be factually untrue at the time the claim is filed. 

Subsection ( XXXX ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title XXXX, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both.
XXXX XXXX, XXXX, I obtained credit report from Equifax and submitted a dispute for investigation. 
Equifax report confirmation number XXXX Dispute Confirmation # : XXXX Expected completion date : XXXX/XXXX/XXXX ( Estimated ) XXXX XXXX through XXXX, after the 30 days allowed by law had passed, I was unable to obtain the results of the dispute investigation online or over the phone due to nonworking online/automated systems of Equifax. Additionally, no response was delivered by mail. 

Equifax failed to respond within 30 days and continues to violate my rights.
This account is not mine also was previous delete off my credit report and add back on with out proper notification of document that it was going to be reinserted back on report.
California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.
I emailed the company Mercantile Adjustment Bureau a certified debt validation letter XX/XX/2016 to verify a debt they claim I owe them. I did not receive any form of communication from the company. I asked for proof none was given. I sent another certified document XX/XX/2016 informing the company that the violated my request and request that they remove the account withon 10 days because they violated FDCPA the acoount still has no been removed and it has not been verified with the company.
THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS
Navient has repeatedly created confusion on my outstanding Federal Loans causing my consolidated loans to go in default. Not once did I receive ANY information about the default. After having my Federal Income Tax Return Offset from the Department of Labor did I go to NSLDS to look at the status of my loans. 
Only then did I see the status of my loans. And how many I had considering I went to a two year technical school. 
So many different loans, different due dates, different rates ... .over the course of two years? 
I have been struggling to find work this last year and really needed my income tax return as my child and I had lost our home due to my unemployment. And yet Navient got it all. And funny how I never saw that money as a credit towards my many many loans.
I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.
Repeated phone calls to my place of employment. Repeated phone calls to my extended family including telling my father about my debt. And back to back to back phone calls to my cell phone.
XXXX claims I owe them {$290.00} they sent it to a collection agency called central credit services at XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX my XXXX bill when paid was paid a month ahead of time i have proof that I paid XXXX on XXXX/XXXX/2015 and that I started XXXX on XXXX 2015 because XXXX would not work with me I told them I did n't want to do business and droped there service on XXXX/XXXX/2015 I sent back the XXXX and the XXXX modems and tv relievers on XXXX as soon as they sent me the return address labels.When I contacted them I asked them to cease and desist, the central credit service dos n't have and e-mail so I can send them a paper trail.I hope that you can contact this credit collection place and help me resolve this issue and get this off of my credit. sincerly XXXX
On XXXX XXXX XXXX XXXX XXXX placed a charge on my card for {$9.00}. They also placed two charges of {$10000.00} and {$30000.00} on my XXXX XXXX issued XXXX Card. The total amount was for a resort exchange program that turned out to be fraudulent. I reported this to Citi on XXXX XXXX, XXXX -- well with in their purchase protection window of 120 days. Since then, I have been working with Citi Bank and XXXX XXXX to get this resolved and on XXXX XXXX XXXX XXXX resolved the issued and made the provisional credit that was originally applied to my account permanentsee attached letters titled CARD MEMBER SERVICE. Citibank on the other hand, has told me there is nothing they can do and required full payment of the {$9900.00}. I have tried to work with them, but they have one standard answer, the issue has been resolved and there is nothing further they can do. They say this is according to XXXX policy, but I find that hard to understand because the XXXX XXXX Card is also a XXXX card.
I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.
I settled debt with 2 credit cards capital one, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.
CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.
Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac. 
I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. 
My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer. 
I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan. 
In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month.. 
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. 
Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which. 
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. 
I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed. 
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.
EQUIFAX is in violation of Fair Credit Reporting Practices by not verifying the contracts submitted to be reporeted. This is in Violation of Section 609 of the Fair Credit Reporting Act.
My loans are currently being services by Navient. Old loans from XXXX were transferred to navient, in addition to new loans being serviced by them as well. XXXX billed me, with a due date of XXXX/XXXX/16, and I paid them. Soon thereafter Navient sent me a bill. My payment to XXXX was not forwarded or processed. I contacted Navient on XXXX/XXXX/16 and was told it should transfer. Now on XXXX/XXXX/16 I still have no credit and the account reflects a payment due.
I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.
For two weeks I have no access to my account They have removed my active card and put an expired card on file so I have no access to my funds. Plus I had {$330.00} in my account they removed it and my balance was {$0.00} the next day it went to {$32.00} then to {$12.00} now it 's is back to {$32.00} my {$300.00} is still missing and my direct deposit was sent today I have the money in the account and no way to use it.
I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.
On XXXX I re-submitted a complaint I am no longer contesting the account, I wanted the procedure used in determining their practices. 

They said they investigated. I am deeply disappointed in their practices. 

I am a former XXXX player with bouts of XXXX XXXX and XXXX with XXXX issues derived from years of dealing with XXXX  related issues. 

I get bouts of XXXX XXXX that can pop in to creates gaps of time. I do not recall accounts that this company stated that they had about me. I simply asked for the method used to determine if I had a bankruptcy along with the other items that was on my credit, because I did have an identity theft is situation. 

I can not guarantee that I didn't have the accounts that they stated is accurate so that is why I wrote the bankruptcy court and asked them did they release to any third parties like the credit bureaus if they released my name ... they said they did not release my name to any third parties, which has created some XXXX. 

I am going to speak with my XXXX  about this issue because I am in the XXXX lawsuit with the XXXX.
There is an ERROR on my account On XX/XX/2017 we were informed about a program that we thought was to help homeowners recover from hurricane and storm expenses. As we were told for this program we were to stop payments for a year. It was our understanding that the amount accumulated for that year would then be extended and added on to the balance due on our home. Nowhere did Seterus alert us that we had to pay this money upfron. Now we are struggling to make payments and no payment plan has been offered to us. During the program, some payments were made but meanwhile, we are thinking that funds sent for the mortgage were being put towards the capital and it wasn't. During the end of the program, we paid XXXX come to find out we have to pay the rest in one payment. We never received any information notifying us on these terms and now we are being threatened with foreclosure. Please respond accordingly. 
Thank you
Three months ago, I contacted Bank of America ( BOA ) to have my address changed from XXXX to XXXX XXXX. BOA sent the title to NJ DMV and I was able to register and insure my vehicle with my new address.

One month later, I fully paid off my auto loan. My loan was opened in XX/XX/XXXX and I fully paid it off in XX/XX/XXXX. After the loan was paid, I called BOA and they informed me that the title would be mailed out to me 10 days. 

After one month had passed, I contacted BOA again, this time they informed me the title was accidentally mailed out to the old address. I don't know how something like this was even possible since the change of address 3 months earlier was facilitated by BOA.

Now they have informed me, they will be mailing out a lien release. In addition to the inconvenience, it will cost me approximately {$94.00} to obtain a duplicate title from the DMV which BOA is not reimbursing. The manager I spoke to was unapologetic and quite rude. 

Why should I pay for BOA incompetence? I have never been late or missed a payment and I have worked very hard to payoff the loan in less than 15 months. Its extremely unfair that I am now driving around in a vehicle that is fully paid off with nothing to prove I am the owner. I am annoyed and very disgusted with this company. 

I want to add also that I have another car and loan with XXXX XXXX XXXX ( XXXX ). Address had also been changed and the loan was also paid off at the same time. XXXX mailed me the title to the in title to the correct address in 10 days. Agent I spoke to was pleasant and very helpful. 

Just want to remind anyone reading this that you have a choice as a consumer. After this experience I will never again do business with Bank of America.
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
A few months ago I discovered that Kohl's/Capital One was reporting an account in error on my credit report. I disputed the account with all three credit bureaus, but it came back " verified '' on all three. On XXXX XXXX, 2017 I sent the attached detailed letter to Kohl's/Capital One, but they never responded and are still reporting the erroneous information. I have read where many other consumers have had the same exact problem with Kohl's/Capital One.
There is an address listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 

XXXX XXXX XXXX, TX XXXX
I have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17
I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?