WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?
XX/XX/XXXX at XXXX XXXX I created an account using XXXX XXXX. 

I have tried contacting support via email and via phone and i get no response or any resolutions. I would like to have my account verified so that I can purchase bitcoin. 

XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response Welcome back! We are in the process of verifying your identity. Thank you for your patience.XX/XX/XXXX at XXXX XXXX - No response again. 

Today XX/XX/XXXX Welcome back! We are in the process of verifying your identity. Thank you for your patience.an hour ago - still no response or any progress in verifying my account.
Northwest collectors reported a collection account to my credit report without notifying meof the debt. This is a violation of the FCRA. They did not perform any due diligence to findcorrect address information for me. As such, I never received any written notification of thisdebt and I did not have a chance to make a payment to it. This is stemming from anelectronic speeding ticket in XXXX. I never was aware of this ticket andhad no idea that I was issued a citation. No notifications were ever received from the XXXX XXXX or Northwest Collectors. 
When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 
How is it possible that I can not get my credit destroyed without any written notification of adebt and then once I do XXXX it, I pay the bill and am assured that my credit score is notgoing to be damaged. This turned out to be a blatant lie and a material misrepresentation of the facts.
XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
"
I bought a computer on XXXX, and paid through paypal because that was the only option, that was sold from XXXX. Paypal receipt # XXXX, and XXXX item # XXXX. It cost me CAD {$190.00}, and their website shows that to translate to USD {$160.00}. I used a credit card to buy it, and  was charged {$160.00} because they charged me in USD, then exchanged it to CAD at a low rate of {$1.00} CAD/ {$1.00} USD. The price shown multiple times in the checkout for was USD {$160.00}, or CAD {$190.00}. I did not agree to use their exchange rate, and the principle of the overcharge really bothers me.
XXXX XXXX XXXX Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was arrested XX/XX/2015 and served 5 years with half time for my criminal charge. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an XXXX  to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX  and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
Bank of America, Bankruptcy Dept. referred my mortgage to nationstar XXXX XXXX. BOA told me I was in good standing and they did not see where I had missed 8 months of payments. XXXX credit report shows all payments have posted on time. XXXX send a letter saying I was 8 months behind in my countrywide mortgage paid to Bank of America. 
My primary mortgage shows no history on my XXXX credit report and the XXXX credit report. I have spoke to XXXX on XXXX XXXX XXXX, and she stated a check from the trustee came in on XXXX XXXX and it was sent back to the trustee since my loan was sent to XXXX. 
I need for XXXX to get good data showing my mortgage payments. I have bank statements and all months were paid XXXX through XXXX XXXX when the loan transferred to XXXX XXXX XXXX.
I have an open complaint against Nationstar Mortgage. My CN is XXXX. I would like to file an additional complaint against Nationstar for violating my privacy rights, subjecting me to potential identity theft, harassment and fraud. Per Nationstar I am in default on my mortgage. I have disputed this situation with them, and they are reviewing my concerns and have directed me to contact one of their " dedicated loan '' specialist for assistance and or if I have questions. I have contacted this person, a XXXX XXXX on several occasions, faxed him information, called him and requested return calls, and sent a payment to him via XXXX Mail with a statement disputing their, all to no avail. Each time I call he never answers my calls, and never calls back requested. However, they Nationstar sent someone to my home, Saturday, XXXX XXXX to talk to me and leave a note on my door and tell me they wanted me to call Nationstar? I called them Monday, XXXX XXXX and told them I would send them I would send them my " arrears '' Wednesday, and they said they would note my account to that effect. Later the same day, I received a letter from a person in New Mexico with the check I sent Nationstar ealier this month informing me that he did n't understand why Nationstar had sent him my mortgage check? In addition to his letter I also recieved a mortgage statement from Nationstar that listed my arrears, plus it also reflected that my payment for the month of XXXX was outstanding, so I was being charged a late fee.
sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me????
On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.
ON XX/XX/XXXX I received a letter from the collection company saying i owe on a loan from XX/XX/XXXX in the amount of {$34000.00} this loan does not belong to me, I never cosign for this loan I spoke to my daughter she said she never took out this loan. 

On XX/XX/XXXX i sent a dept validation letter to the collection company requesting information on the loan. 
the collection company sent me back incomplete information on the loan they sent a application promissory note. 
once i received this information from the collection company. I call the collection company on Friday XX/XX/XXXX trying to explain to the company that this was not my loan i never cosign for this loan. the lady i spoke to was very nasty to me on the phone and told me to file charges against my daughter for signing my name to the loan. 
i try to tell her my daughter know nothing about loan. but the lady was just nasty on the phone and hung up on me. 

on Monday XX/XX/XXXX i receive a call from the collection company after i told them in writing to only contact me through mail or email. 
i told the guy from the collection company to follow my request he ignore me and kept talking i told him im at work and to only contact me through mail or email he said no he and kept talking i told him its not my loan and stop calling me so i hung up on him. 

in my dept validation letter i told the collection company to remove the remarks they put on my credit report. which to this date they have me in collections for {$34000.00} dollars and have not remove the collection off my report.
As is obviously well-reported, Equifax 's database on information was hacked and my personal information was included in it ( per their web site ). What is more, I went to the free annual credit reporting web site and for literally all of the 3 service providers where I attempted to get my credit report ( to ensure nothing fraudulent ) all of them failed, stating that there was a technical problem.
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX '' XXXX XXXX " late paymentXX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX '' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX " XXXX, Equifax and XXXX have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
I wish that the consumer fraud bureau review this complaint and act upon it, PLEASE DO NOT FORWARD IT to the XXXX organization for they did nothing. Ive been trying to get a modification of my mortgage with wells fargo home mortgage for approx. 2 years now. They committed fraud and intentional delays several times by not responding to me within the 30 days with either an approval or a denial. This I have proof of and wish it to be provided to the consumer fraud bureau as well..
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.
My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.
This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file
On XX/XX/2017, First Advantage sent a report via US MAIL containing a copy of the consumer background screening. The background screening was requested by a potential employer in which I applied and the annual salary for the employer less than XXXX. The background screening contained information that placed First Advantage in direct violation of the Texas Business & Commerce Code Sec. 20.05. http : //www.statutes.legis.state.tx.us/XXXX The Texas State Law states that consumer reporting agencies can not report information predating seven years of the report date. This report sent to me violated this code. I reached out to the company and filed a dispute. I have received no resolution as of yet. I have attached a copy of the Texas State code containing information regarding consumer reports. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; or ( 5 ) another item or event that predates the consumer report by more than seven years.

( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more.
I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.
I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with experian all I got was a chnage of a late payment from XX/XX/XXXX toXX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over XXXX reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years