WillisBack/dataset-financial-user-claim huggingface dataset:
I called on XX/XX/XXXX as I had a question on my mortgage. When verify my identity they asked for my mailing address I gave XXXX XXXX XXXX XXXX XXXX, MN. XXXX. They said we have a different mailing address I said I have never changed my mailing address. They said they received the change of address via USPS XXXX XXXX XXXX. This address change was changed by Chase on XX/XX/XXXX. They have sent mail to the address of XXXX XXXX XXXX XXXX XXXX, MN. XXXX. I reached out to the USPS and after several calls I requested in writing that the USPS did not have any change of address for me & he checked with XXXX & they have no record of any address change. I demanded that Chase send me a copy of the address change they received. They stated they can't do to other addresses. I stated black out the other address 3with only my address showing. They said they can't send per Management @ Executive office Chase XXXX XXXX. I asked if he contacted the person my my e-mail I received from USPS ( see below ). XXXX indicated he checked with their contact with USPS. Chase has compromised my identity. They have offered me free credit monitoring ( which is the least they can do ). Since they refuse to send me the documentation of their receipt of address change. It also took them 2 weeks to even change the mailing address back to XXXX XXXX XXXX XXXX XXXX, MN. XXXX. This has caused me undo anxiety, major stress and they told me they could not provide me compensation for their error. I am requesting your assistance in this matter. 

Change of address XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   To XXXX Quick reply allReplyForwardDelete XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX Dear XXXX, As I stated in the voicemail I left for you on XX/XX/18, I have searched our change of address system and there is no change of address for you out of XXXX. I also checked to see if there a change for you going into XXXX, which there was not. 

I also called the XXXX XXXX phone number to see if they have any record of that either, which they do not. XXXX XXXX is XXXX XXXX XXXX  XXXX data base that businesses use to be notified of changes of address. Since they do not have anything, I cant explain where your mortgage company got this information. 

If you have any other questions, feel free to give me a call. 

XXXX Consumer Affairs Associate XXXX
XXXX XXXX, XXXX Hello Attorney General 's Office, Inspector General, Federal Trade Commission, Consumer the Minnesota Department of Commerce, Consumer Financial Protection Bureau, and XXXX XXXX XXXX : This is a formal complaint against National Account Services, XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota XXXX -- -- for breaching our verbal contract with XXXX XXXX XXXX XXXX, and me. My case was referred to them on XXXX XXXX, XXXX. After being unemployed since XX/XX/XXXX The breach is supported by FDCPA and the Consumer Credit Protection Act of XX/XX/XXXX. There are also violations of Minnesota XXXX XXXX. There are many reasons why my bill was sent to collections one of the being that XXXX XXXX and I could not agree on a set amount to pay every month. Originally she wanted XXXX a month while I was unemployed, and I did not get unemployment. There was no income. Now I am working but also paying back bills from XX/XX/XXXX which has contributed to my economic hardship. 

My daughter 's experience as a child XXXX at that dance center was less than desirable and she was pulled from dancing XX/XX/XXXX. I refrained from making payments since XX/XX/XXXX because of the treatment she received and also because of the added cost for competition fees when XXXX was not attending. 

I had a verbal agreement with National Account Services to what I could each pay period after I started working XX/XX/XXXX after not being employed since XX/XX/XXXX. The collection balance was sent back to her on XXXX XXXX at her request. The effects of my collection account being taken back by the dance studio and being threatened for conciliation court by the owner XXXX XXXX of I do not pay according to her terms, is also another violation brought by National Account Services. I really on have XXXX a month to pay in addition to paying for competition fees when my daughter did not attend. This is causing harm, undue hardship with malice for me and my daughter. Therefore National Account Services has violated the FDCPA by causing undue financial harm or personal harm to me and my daughter, as well as violating an agreement verbally with their office. 

Now that the case has been taken back by Stage Left and the owner, XXXX XXXX, I can not have reduced payments that fits my budget as of XXXX to XXXX a month, but will have to pay XXXX a month, my food and grocery money, and have been threatened with conciliation court if I do not agree to her terms. I am waiting for XXXX XXXX to send me her revised contract. I would like to get this resolved. 

XXXX CC : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission
I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.
I HAVE A MORTGAGE ACCOUNT WITH XXXX XXXX FOR MANY YEARS & THEY'VE BEEN SENDING ME HARRASSMENT LETTERS ABOUT MY MONTHLY PAYMENT BEING BEHIND. ACCORDING TO MY RECORDS I DO HAVE HAZARD INSURANCE WITH SAME COMPANY FOR SEVERAL YEARS NOW. THEY SENT ME A ESCROW ANALYSIS ON XXXX & THEY ADDED THEIR OWN HAZARD/FIRE INSURANCE FOR THE AMOUNT OR {$4300.00} PER YEAR, SO MY MONTHLY PAYMENT WAS RISED FOR {$500.00} MORE THAN MY REGULAR SCHEDULED PAYMENT OF {$1200.00} TO {$1700.00} BECAUSE THEY SAID MY ACCOUNT IS SHORT. THEY ASKED ME BACK IN XXXX TO SEND COPY OF MY HAZARD POLICY AND I DID SENT IT QUICKLY SO THEY COULD ADJUST MY MONTHLY PAYMENT. I HAVE BEEN CALLING THEM FOR ABOUT 4 MONTHS NOW AND THEY SAID THAT MY PAYMENT IS CORRECT THAT THEY ARE KEEPING MY MONTHLY PAYMENT FOR {$1700.00} AND HAVE I'VE CALLED & BEEN TRANSFERRED TO DIFFERENT DEPTS. EACH TIME I CALL. NOW I OWE XXXX & XXXX AND THEY SENT ME A FORECLOSURE LETTER. I HAVE RECORDS THAT MY INSURANCE IS ONLY {$800.00} PER YEAR WITH XXXX AND ALSO HAVE RECORDS THAT IT WAS RENEWED BACK IN XX/XX/2017 AND US BANK MADE THE PAYMENT.
Citi sent me a new credit card offer in the mail, addressed to me, for XXXX XXXX miles for signing up for a new platinum credit card if I spent {$3000.00} in the first 3 months. I have previously had a similar card that I 'd closed and I assumed they were offering this to get me back as a customer, so I applied and was approved. I then spent over {$3000.00} in 2 months, meeting their requirement. Then after waiting a few months without the miles showing in my account, I called them. They said that I was disqualified before they even sent the mailer to me because I 'd had a similar card within the past 24 months. So they sent me the offer, knowing that I did not qualify!! It 's false advertising to send me a directed mailer with a promotion that I do n't qualify for, then approve me for the product without any notification that the promotion is not valid for me. I was led to believe by the directed mailer and the card approval, that I qualified for the offer. I do n't have a problem with the fine print, per se, but I do have a problem with the lack of notification since they are the ones that determine when/if someone qualifies and these rules probably change all the time, as it probably says in the cardholder agreement. I asked them what they could do to fix this and they said it would be reviewed and I may get the miles granted still, and I would get a letter with the result. So, I waited for the result of the review and instead, received a worthless restatement of their policy : " Thank you for contacting our Customer Service Team. 
Bonus Reward Rebates are n't available when an existing account in the same product has been opened or closed within 24 months. 
If you have any questions or are in need of further assistance, please call '' This practice is at the very least, deceptive.
Ocwen did a refi with me in 2009 that was all to their benefit. After all was done their bate and switch refi put a significantly larger sum of money on the already under water loan and eventually pushed my interest rate up to 7.1 %. They have refused me for several years to do a regular refi at today 's current low interest rates and just recently I was called by a place called XXXX XXXX XXXX promising to help me reduce the loan balance and interest rate with my Ocwen loan. XXXX XXXX told me that Ocwen had been sued by the U.S. government XXXX ( I found this article online ) and they said that with their contacts they could help me. 

Well, yesterday I got Ocwen 's refi offer ( all XXXX something pages of it ) The refi does not guarantee to lock in the low interest rate on the loan over the entire remaining time of the loan. It also says that they will additionally receive XXXX % of any appreciation the home has over the next 20 years. And if that is not already outrageous enough they then sour the whole thing with a balloon mortgage after the 20 year mortgage is finished where they demand a final principle payment due in full upon the maturity of the loan no less than {$160000.00}, plus all accrued interest on that amount for the past 20 years ( no disclosure of what that rate is ), all advancements made by the mortgage company and a XXXX % inflationary and market appreciation in the value of the property yet again ... 

Now I 've already been struggling to pay on this ridiculous loan for the past ten years and I will not be swindled by them again, but I really wish there were some way to force this company to make actual proper equitable solutions without having to go into bankruptcy. Is n't it already enough for them that they make XXXX to XXXX times what was loaned out over 30 years? Obviously they are still trying to push people into foreclosure and ruin with their treachery and chicanery.
On XX/XX/XXXX a cashiers check from XXXX XXXX XXXX XXXX was sent to USAA via XXXX overnight based on the payoff letter that USAA Provided. That payment was received and processed on XX/XX/XXXX On XX/XX/XXXX USAA debited from my personal checking account an additional {$580.00} resulting in an over payment to my personal loan of over {$600.00}. 

On XX/XX/XXXX I called in to USAA and spoke with a representative. The representative indicated that there was XXXX payments that overpaid the loan and that I should receive XXXX separate refund ach credits back to my XXXX account within days. 

On XX/XX/XXXX I called to check the status of my refunds as USAA is now holding over {$600.00} of my funds, partially of which certified and holds are prohibited under federal regulation CC law. The represenative appologized for the misinformation but because I did not pay off the loan by XX/XX/XXXX the automatic payment count not be stopped. Since it could not be stopped it has to be fully processed which takes XXXX days and then another 3-4 for them to refund the money. XXXX : They are going to hold my money for nearly XXXX days before releasing it back to me. She said the only way to expedite that is if I send them in a bank statement. I told her, I do not feel comfortable with sharing my entire bank statement. That where I spend my money, what other charged I make with my checking account are not any of USAA 's business. That I would be happy to allow them to verify directly with the bank, but that I did not feel comfortable with turning over information unrelated to the USAA transactions. She said then I have to wait the 15 and XXXX days.
I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : XXXX
I noticed multiple inquries on my credit report with all 3 bureaus ( XXXX, XXXX & Experian ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?
Portfolio Recovery has sent me a notice to collect a debt in the amount of {$1400.00} This collection agency is not licensed for business in Michigan, nor are they registered with the Michigan Secretary of State ; therefore can not attempt to collect any debt in Michigan. Please remove this account from my credit reports immediately. Also, they have attempted to garnish wages without successfully validating that this debt is even mines.
When I made large, principle only payments on the loan prior to payments becoming due, they did not allocate the amount to the principle. Rather, they apportioned the amounts out as payments for when the loans became due after I graduated. Additionally, they send excessive mail and make too many phone calls. For instance, they called my mother, who is also my cosigner, three times within an hour this morning ( XXXX/XXXX/16 ) alone. They also send both of us communication via phone and email in excess. They threatened my mothers credit, and were rude to her when they called. I have told them that a payment for the full balance of both loans is in the mail and they still persist. Checks for full payouts on both loans should reach their officers tomorrow or the next day at the latest.
i was financed for a loan on a used vehicle that turned out to have the miles rolled back. XXXX XXXX with the DOT is working my case. The company I have the loan through wouldnt accept my first months payment, have no repossessed the car and are reporting my late payments to the credit bureau too. The are fully aware of the mileage being rolled back and that I have filed a complaint with the DOT. I should be exempt from responsbility of this loan because the car 's value isnt even worth the down payment of {$2000.00} that I lost and now my credit has gone down the XXXX because of their filing to the bureau. I have filed a complaint with the Iowa Attorney General too.
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$840.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
I received a call from Diversified Consultants on XX/XX/18 while at work. The representative informed me that they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I explained I had not been an XXXX XXXX XXXX customer for over a year and did not understand what they were claiming a debt. I explained in order for me to continue with looking into this issue I would need documentation to the debt owed. I requested this documentation be mailed to be. Diversified Consultants failed to follow through with this request. They have since reported to the credit bureaus false information.
In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

Account # : XXXX XXXX XXXX XXXX
My Name is XXXX XXXX bringing forth this complaint against XXXX XXXX, XXXX XXXX securing the deed of trust of my property located at XXXX XXXX XXXX XXXX, IN XXXX ( Subject Property ) Wells-Fargo has engaged in egregious misconduct and fraudulent activity inducing the foreclosure of the Subject Property.. 
# 1 ) Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the FHA, this regulation applies, as well as the liability reporting valid information to HUD/FHA. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

# 2 ) Per Ind. Code 32-30-10.5 et seq, borrowers in Indiana may request a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. Moreover, prior to the start of the foreclosure, the lender must send the borrowers a pre-suit letter at least 30 days before filing the case in court. This is a form letter that was created by the Indiana Housing and Community Development Authority, which will include the following : ( a ) a statement that the borrowers are in default. ( b ) a statement that the borrowers are encouraged to obtain assistance from a mortgage foreclosure counselor. ( c ) a statement of the borrowers rights if the lender obtains a foreclosure judgment ( for example, the right to appeal a finding of abandonment and the right to redeem the real estate ). ( d ) Contact information for the Indiana Foreclosure Prevention Network, and ( e ) a warning about foreclosure scams purporting to save your home. Wells-Fargo Bank never sent Defendant a pre-suit letter as required by Indiana law. Additionally, Defendant has not had the opportunity to participate in a settlement conference with Wells-Fargo Bank.Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date XX/XX/XXXX. In fact agent ( s ) are advising me that my loan can never modified by FHA, due to whats known as a Credit Decision hard decline for modification assistance back on XX/XX/XXXX. Furthermore, Wells Fargo, has failed to respond a qualified written response by providing an incomplete answer on XX/XX/XXXX.
I received a notification from Wells Fargo stating my account has had lender place insurance on it. The letter was encouraging me to refinance with them to have it removed. I was never aware I had this on my account because I have always carried enough insurance to cover everything. I called them and the person told me I can only have it removed if I refinanced and that I signed an acknowledgment stating it can be placed on my account if I failed to cover enough and/or provide them proof whenever requested. I have never received one phone call, email, or letter in the mail from Wells Fargo requesting proof of my insurance coverage and I do have enough coverage. I also checked my online banking and their has been no alerts or messages to me. I dove a little deeper and saw they did charge my mortgage over a 900 dollar fee for this. I called and was told no fees will be returned and the lender placed insurance will not be removed. 
I feel like this is an UDAAP violation. I should be given the opportunity to provide evidence of my insurance coverage. Wells Fargo has made no documented attempts to contact me about needing to verify my insurance. The crazy thing is just last year I did an assumption to remove my ex husband from the mortgage and even provided evidence during that process. I find it a bit odd that the only attempt to contact me about the force placed insurance is by an opportunity to refinance my mortgage. This makes me feel like Wells Fargo is trying to gain more in fees and also doesn't like my really low interest rate. The associate was also trying to spin it like it is a good tax write off ... ..I feel like they had some scripts ready for this type of call Please help in removing this insurance and crediting me back all fees I acquired by this.