WillisBack/dataset-financial-user-claim huggingface dataset:
I want t express my frustration on working on a Loan Modification request with Select Portfolio. Not only did they make the situation matter more complicated, they made it worst. It all started when I requested a Loan Modification back in XX/XX/2015. More than 4 years ago, I requested a loan modification on my house because I was experiencing an extreme hardship. My wife of many years and I encounter some life problems which resulted in her leaving me and a divorce. Through out this process, I became very ill and had an XXXX XXXX. My emotions were all over the place and I had a XXXX XXXX. Due to my XXXX XXXX, I was not myself and was considered XXXX. My family locked me up in a XXXX XXXX for a couple of years until I became better again. I have all documentation pertaining to the XXXX XXXX I had and also being in a XXXX XXXX  due to my XXXX  XXXX. This cause me a huge breakdown in my life because I was not able to work, and my expenses for the house kept increasing. I apologize the debt has become this large but its due to my XXXX  state, like I said I have all needed information to proof you of my hardship. Once I was out of the institution, my life started to get together slowly by the use of family members. They helped me at the beginning by providing me financially until I can get to my feet and start a life again, that was destroyed by my previous marriage. 
After all my financial situation was getting better, I decided to look for help from SPS to come clean and start making payments. 
Throughout the process of the loan modification, the bank kept bringing up my previous review. They kept requesting information from a loan modification that started 3 years ago. I kept telling them me and my wife were not together anymore, and they still wanted her finances, shes not even part of this loan, and nowhere near my life, I believe I was getting bullied by them or in a way they just wanted to make fun of me and I did not appreciate any of the gestures. Once it became clear after a couple of months, they denied my loan modification due to not enough income to support a loan modification, but approved me for a Repayment Plan. The Loan Modification was based on a payment of {$2800.00} which included the escrow. The Repayment Plan was for {$5400.00} on a monthly basis. I called this XXXX and excuse my language. I can not qualify for {$2800.00} but I qualify for {$5400.00} which is insane. I know this bank has been after my property because it possesses a great market value. I know they are doing this on purpose to take ownership of my house. Im scared of the sales date. I tried to re modify again and they said no, just sell the house or we would foreclosure. Please help me with a Loan Modification, it is neither my fault I had a XXXX XXXX  XXXX  that caused me to be hospitalized and cause me my hardship. I just want my house, please stop the foreclosure until we can finalize a review.
On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #. 
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful. 
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well. 
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member. 
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk. 
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security? 

I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.
This debt was paid in full back in XXXX of 2017 - settled for {$250.00}. please remove from my credit as it is negatively impacting me.
I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.
Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from Experian is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with Experian
In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.
I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she  agreed to be be recorded.
I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General
Commercial realty loan complaint against CITIBANK. 

SITUATION. In XXXX 2007 I invested in XXXX, a Tenant in Common property in XXXX XXXX Iowa. Like most of the other CP investors I rolled over equity in an IRS XXXXexchange from a small property. 

XXXX XXXX ( XXXX ) was sold to a group of XXXX investors for XXXX, and set up as a tenant-in-common investment ( TIC ). In the case of XXXX a master lease promised guaranteed income like an annuity. Most XXXX owners, myself included, are over XXXX. For many the investment constituted much of their life savings which are now lost leaving some TIC owners dependent on their children or at the precipice of bankruptcy, XXXX even XXXX. 

After years of mismanagement, large capital calls amidst XXXX disbursements, and frustrating and costly civil litigation, XXXX went into foreclosure. Owners representing a XXXX % ownership have pending civil actions against the TIC sponsor, who is out of business and the asset manager who is in bankruptcy. These civil actions are unlikely to remedy the massive systematic fraud and injustice that has cost us much of our retirement savings while blighting our latter years with financial and personal anguish. 

CITIBANK. However, behind the sponsor and AM there is a giant deep pocket, Citibank, that our lawyers have deemed too big to sue but without whose collusion in writing, then selling, a loan which did not meet reasonable underwriting standards the owners would not have lost their savings. ( More details in attachments. ) Apparently realizing that the CP loan of XXXX was tainted with fraud and bound for foreclosure, Citibank sold it for XXXX to a vulture bank whose practices appear to be to buy distressed loans , drive out the equity investors, and flip the property. Citibank 's action has parallels to subprime loan abuse, only it the victims were elderly small investors, not home owners.The XXXX XXXX investors have lost more than XXXX total. There are hundreds of other defective TIC real estate loans that have damaged thousands of XXXX investors across the country. Nothing is being done against the banks who wrote loans that were used to defraud investors and perpetrate XXXX abuse. 

ASK. We ask CPFB to investigate the Citibank loan to XXXX XXXX XXXX and the sale of the loan and seek damages for the XXXX TIC investors, my self included.
Foreclosure, loss of job, bereavement grief. Moved to another state. Bankruptcy
Wells Fargo Bank XXXX XXXX XXXX, has mishandled a legitimate deposit into my XXXX checking account from a legitimate payor, a health insurance company, failing to give me credit for a check that was deposited at one of their branches, properly countersigned by me and acknowledged by the payor as a proper check that has cleared their bank. They are refusing to take responsibility for their mishandling, stating it is my problem. The undisputed facts are as follows. 
On XXXX/XXXX/XXXX I deposited a check for {$120.00} from my health insurance company at a XXXX branch. The check was made out to me and I counter signed the check, noted " for deposit only ''. On XXXX I received a deposit reversed notice from XXXX with the reason stated as " refer to maker '' for the {$120.00}. My checking account was also charged with a {$12.00} return deposit item fee. Shortly thereafter, I phoned the insurance company and their representative stated that neither they or their bank had instructed any form of stop payment on the check ; I conferenced in the XXXX customer service center and the insurance company representative confirmed to the XXXX agent that there was no stop payment of any kind on the check. The XXXX agent stated that the issue would be resolved and they would contact me within 5 days ( reference # XXXX ). I never heard back from XXXX. On XXXX, after not hearing from XXXX for more than a month, I met with XXXX XXXX XXXX XXXX representative XXXX XXXX who promised to resolve the issue. On XXXX XXXX XXXX notified me that the check had been redeposited into my checking account and that the {$12.00} fee had been reversed. 
On XXXX I received notice from XXXX that the {$120.00} deposit had again been reversed out of my account and my checking account had again been charged with a {$12.00} fee, with the reason stated as " refer to maker ''. On XXXX I called the insurance company who further investigated the transaction ; the representative again reaffirmed the legitimacy of their check and indicated the check had cleared their bank account in early XXXX, even though the check had not been credited into my checking account. On XXXX I called the XXXX XXXX of the XXXX XXXX XXXX branch XXXX XXXX XXXX and provided her with the details including the fact that the check had cleared the insurance company 's bank. She indicated it was up to bank operations to resolve the problem and there was nothing she could do. On XXXX, one month later, I called the XXXX XXXX XXXX XXXX XXXX for an update who repeated her earlier statements. 
On XXXX I wrote a letter to XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX  XXXX explaining the problem and my frustration. On XXXX I received a call from a representative of the office of the XXXX of XXXX XXXX XXXX XXXX who stated that it was not the responsibility of the bank to resolve the issue and there was nothing they were going to do. 
Wells Fargo handled ( mishandled ) this transaction from the beginning to end and yet they are refusing to take responsibility for their errors. The check has cleared the bank of the payor, the insurance company, but I have not received the deposit into my account.
Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
I checked my credit report and noticed that I have   one   account in collections with   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
I paid our mortgage ON TIME for the month of XX/XX/2018. Transunion has it marked as 30 days late which is incorrect.
On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.
ON XXXX I WENT TO XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT
My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks