WillisBack/dataset-financial-user-claim huggingface dataset:
***COPIES OF WRITTENEVIDENCE FOR THE COURTS ***INTENTIONAL VIOLATION OF THE RESPA BY NATIONSTAR, XXXX XXXX  AND XXXX XXXX*** ATTACHED IS THE EVIDENCE OF LOAN FRAUD*** HERE IS A COPY OF OUR PREVIOUS REQUEST IGNORED WHILE THEY TRIED TO STEAL OUR HOME USING FRAUD ~ XXXX**1. Allegations of Fraud, Criminal Activity, and Predatory Lending ~ In review of your correspondence provided to the CFPB, you claim that XXXX XXXX, XXXX, and Nationstar have defrauded you based on the evidence that a Wind Insurance Policy was not added to the Initial Application Documents, HUD-1, Escrow Disclosures or the Initial Payment. As such, you have requested that the loan be rescinded with any lien release documents, property rights, and Titles transferred back to you. XXXX ATTACHED IS NATIONSTAR CONFIRMING THE FRAUD IN WRITING ~ THIS CONFIRMATION OF THE FRAUD IS SIGNED BY THEM AND ON THEIR LETTERHEAD SO WE DO N'T NEED TO QUESTION THE SOURCE ~ THEY HAVE ALREADY ADMITTED GUILT *** WE HAVE ALSO ATTACHED THE ORIGINAL, FRAUDULENT LOAN PACKET WHICH MISLED THE ELDERLY CONSUMER*** IN THE FUTURE WE RECOMMEND THEY DON '' T BUY FRAUDULENT LOANS AND TERRORIZE CUSTOMERS. XXXXATTN XXXX ... IMPORTANT SIDE NOTE, THESE XXXX ALKWAYS THROW OUT THEIR FRAUDULENT RESPONSES BETWEEN XXXX AND XXXX XXXX ON A FRIDAY AND THEY NEVER PUT THE FRAUD IN WRITING, THEY PUT IT IN AN ATTACHMENT WITH THE HOPES THE CFPB AND ATTORNEY GENERAL DOES NOT LOOK FOR IT ... THEY HAVE ESCAPED UNTIL NOW. LOOK AT THEIR ATTACHEMENTS, THEY CONFIRM FRAUD EVERY DAY BUT SOMEHOW IT HAS ESCAPED PROSECUTION. XXXX IN THEIR XXXX XXXX EREPONSE TO ME FOR EXAMPLE THEY PUT THIS IN WRITING ~ " Under the Covenants section on page three ( 3 ) of the Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' AND PROCEEDED TO STEAL 2 HOUSE PAYMENTS WITHOUT PROPER CREDIT TO PRINCIPAL *** THEY CONFIRMED THEY HELD MY MONEY IN THEIR INTEREST BEARING ACCOUNT FOR 60DAYS ... TWICE IN 2017 ... IN WRITING*** ALSO INCLUDED IN THE ATTACHMENTS ARE THE CONFIRMATION OF EMBEZZLEMENT ... THEY STOLE {$1500.00} FROM ME JUST A WEEK AFTER MY XXXX YEAR OLD HUSBAND XXXX ... THIS WAS NO COINCIDENCE ... I HAVE HAD A MORTGAGE ON THIS HOME FOR DECADES AND THIS ONLY HAPPENED ONCE ... DURING MY MOST VULNERABLE TIME *** IF YOU HAVE ANY QUESTIONS ABOUT THE INTEGRITY OF THESE INDIVIDUALS I THINK STEALING CASH FROM A WIDOW AND MAKING HER HOMELESS SAYS IT ALL.
I am requesting your assistance in obtaining a corrected Certificate of Satisfaction from Chase Mortgage Services , Inc. ( Chase ). 

In XX/XX/XXXX my husband and I purchased our home in XXXX, Virginia and the mortgage company, XXXX held the mortgage on the property. XXXX went out of business and Chase assumed ownership of the mortgage. In XX/XX/XXXX, when the lien was released, Chase made an error on the release of lien which indicates page 2203 and it should be 2293. 

From XX/XX/XXXX to XX/XX/XXXX, we have refinanced our home several times and a title search was conducted on each loan and we were never advised of any issues with the release of the lien. 

In XX/XX/XXXX, my husband and I were attempting to obtain a line of credit from XXXX XXXX XXXX XXXX. When a title search was conducted on our property, the search revealed that the Certification of Satisfaction issued by Chase has an error on it. 

XXXX XXXX, the loan coordinator with XXXX XXXX XXXX XXXX, advised us the issue and sent an e-mail to Chase requesting that a corrected Certificate of Satisfaction be prepared and filed with the court. Chase never responded to her, nor to us indicating that they were going to issue a new Certificate of Satisfaction. 
The ultimate issue is that when we sell our home in the future, it can not be sold without a corrected Certificate of Satisfaction. It is our understanding that the only way we can resolve this issue is to hire an attorney and communicate with Chase. I do not believe that my husband and I should incur the cost of hiring an attorney to get this issue resolved. Chase made the mistake and they need to correct it.
Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXXtime frame using XXXX XXXX XXXX worker Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX XXXX XXXX in XX/XX/XXXXfor 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state.. 
Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX   county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
I have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
when my renewal for my membership fee from american express was up, i called and cancelled my card. i have a letter from them acknowledging my cancellation .they continually charge my card that membership fee and charge me late fees.they know say i owe them about XXXX dollars all from a membership fee and late charges. i told them i dispute the charges and told them to send it to a collection agency so i can bring it to arbitration .they do nothing but continual to charge me late fees
My credit report showed me a hard inquiry made on XX/XX/2019 in XXXX, FL that drop my credit scores and I never been in XXXX or the following company. 

The information I have from the company is this : - SYNCB XXXX, FL XXXX. 
XXXX XXXX XXXX/ XXXX XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who made this credit request to the mentioned above. 

Hope this can be solved as soon as posible because Ive been working really hard to fix my credit. 
Thanks.
I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you!
on XX/XX/2018 I tried to go on line to make a house payment, I could not get through, as usual. I called Wells Fargo to get help. The Women said I can take your payment so I gave her check # XXXX for the amount of {$1500.00} for Bank Acct. XXXX XXXX Routing # XXXX Acct # XXXX for my Mortgage # XXXX. She gave me a Conformation # XXXX, and said wait a minute, ok it went through. So I got a payment coupon stating my next payment for XX/XX/2018 would be {$1500.00}. So I did not get a courtesy call or letter, but on XX/XX/2018 I get an other payment Coupon for XX/XX/2018 stating I owe for XXXX and XXXX?? I called and was told the payment never went through because they got the wrong Bank Acct number, which they already have on file. I paid again and then said you better not charge me for a late payment this was not my fault. I was told well it has to be investigated and they will let me know. Second payment for XXXX Ck # XXXX for XXXX conf. # XXXX. I just placed an other complaint against Wells Fargo because mid summer I was behind in payments and they sent a letter to my rental and the tenants opened it and went crazy calling me a thief and that the house was being foreclosed on them and I didn't tell them and they don't have the money to move. I called Wells Fargo and said why did I not get that letter at my house? They keep saying we mailed it to you, but I never got it mailed here, I had to ask for that letter to be faxed to me. At that time I was making 2 payments a month until I was caught up on payments. And now this. I am sick of Wells Fargo and I don't trust them, I want my mortgage sold to someone eles.
In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.
Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. 

What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX 

Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified. 

XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of  Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.
discover purchase protection claim # XXXX. The discover credit card offers purchase protection up to {$500.00} if stolen or damaged. My product on the claim was " stolen '' and Discover card claim service says it is not stolen, it was " loss '' says Discover Card and stated that I was not do due diligent. When I spoke with the person to report my claim, he says that my claim should be covered as it has been with other customers. However, Discover Card, denied my claim. Other claims was approved and mine was not. They stated that because it was in a public place that they do not cover and Discover Card only protects your purchase when it is taken from your hand or other places than public places. It does not state that in the policy and also someone took it from me.
I had agreed to a " Balance transfer '' of 0 % APR for about 15 months in exchange for a 3 % upfront fee. I transferred {$7000.00} to the Chase card and paid the fee.     The next month I had {$6500.00} sent to the Chase card to pay off a 19 % APR balance on the same card account.     Instead of crediting the 19 % APR balance, Chase used the new money to pay off the 0 % APR balance.     My clear understanding from Chase was that this {$6500.00} would go to pay off the higher APR balances first.     I spoke to a service representative about this and two supervisors, the first of which just hung up the phone on me. The second supervisor was very cordial, but in so many words said " tough luck ''.     This to me is predatory lending. Why would I pay 3 % upfront to buy a 0 % APR and then pay it off one month later?
In XXXX, I took out a XXXX Tuition Answer Loan with Sallie Mae ( now Navient ) to help pay for my daughter 's college education. At the time she was attending XXXX XXXX XXXXXXXX University. The loan was disbursed on XX/XX/XXXX in the amount of XXXX. 
I did not have a clear understanding of the repayment options on this loan and the university apparently disbursed the monies to my daughter as she used part of the money to buy a car! A year later when my daughter was no longer attending college, I received notice that I would have to start repaying the loan. As I was under the impression that these loans would not mature until after she graduated 4 years later ( she actually NEVER graduated ) I was not in a position to start making the payments. When I called to discuss the potential of an easier repayment schedule I was advised that a deferment was my only option. I had the loan deferred several times from early XXXX off and on through early XXXX. From XX/XX/XXXX through XX/XX/XXXX, Sallie Mae added XXXX in capitalized interest to the principal balance of the loan. It was never explained to me that this would happen while the loan was in forbearance. Over the next 10 years, I made regular payments. To date, 118 full payments to be exact. The statements from Navient always show different ways of applying the payments to principal and interest with no rhyme, reason or explanation. To date, my balance remains at XXXX. How can this possibly be? I have paid XXXX to Navient to date and that means that in over 10 years of making payments only XXXX was applied to the principal balance and XXXX has been INTEREST ONLY!!!! 
According to my statements, I will be making payments until XXXX on this loan before it is paid off. I believe that I am being stolen from- this has to be fraudulent practice and I would like to know how I can proceed with getting this abomination discharged. I understand there is a class action lawsuit against Navient for these unfair, unexplained practices. Please advise how I can get help getting this loan discharged.
Chase is my mortgage servicer, but is failing miserably to provide me with an opportunity to keep my home. For several years ago I have been trying to work with them, but they have failed to provide me with any mortgage payment relief. They have dragged their feet and I believe they have not properly reviewed my loan for workout options. I make enough money to afford a reasonable payment and believe there must be some sort of modification or forbearance program available for which my loan can qualify, but Chase isn't taking me seriously. I have spent YEARS trying to get them to modify my loan and it seems impossible to get them to perform a financial calculation of my current income and offer a program that fits within the guidelines for mortgage assistance. Their staff has been robotic and I fear that I will lose my home because they are blocking me from getting help. I lived in my home since XXXX and I had my hours cut at my job a few years ago. I reached out the Chase to get help, but they kept denying me because they did not include all of my household income. My wife makes good money, but for some reason, Chase did not take her contribution into account. I contacted Chase when I knew I was going to miss my mortgage payments, but I have only gotten the runaround and have been unable get them to properly review my loan for workout options. I have had multiple single points of contacts who would never return my calls and I was forced to repeatedly send in the same documents that were " never '' received. Eventually I had to turn to an attorney who advised bankruptcy, but I continued trying to work with Chase to get assistance on my mortgage loan. They were given billions of dollars to help homeowners who are in trouble, but apparently can pick and choose who and how they help. During the last three years, I have been shut out every opportunity to have my mortgage loan reviewed for assistance options and need help to get them to treat me fairly.
I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.
Credit card issued by FIA Card Services for Fidelity Investments failed to uphold XXXX protection warranty against incorrect and fraudulent charges. In XXXX of 2015 a company XXXX XXXX with whom I was doing business opened a second account without my knowledge or authorization and begin sending me XXXX shipments of their products. When discovered, a call to cancel the second account was not honored by XXXX XXXX. Upon receiving yet another shipment under this mix-up I called a second time to cancel the account on XXXX/XXXX/2015. The XXXX XXXX representative gave me such a hassle in this request refusing over and over to accept a return, I decided to completely sever my ties with the company and cancelled my other account as well. Stating I should n't have to pay to return a product I did n't order, XXXX XXXX agreed to send me a return shipping label but stated it would take them up to four weeks to do so. I immediately called the Fidelity Investments card to dispute the charge. They informed me I could n't do so without returning the merchandise. Upon exampling how I 'm damaged if I have to pay to return something I did n't order, the FIA Card Services representative said wait a day and I could then dispute the charge. Instead, I notified FIA Card Services and stated I would wait the full four weeks XXXX XXXX stated it would take them to provide a return shipping label. I called FIA Card Services approximately three weeks later to notify them I was still waiting for a return label. After the four weeks had passed and no shipping label had been provided, I called FIA Card Servcies again at which time FIA Card Services informed me they decided in my favor and informed me I could dispose of the product or do whatever I wish with it. Several weeks later I then received a letter from FIA Card Services saying they opposite saying they needed proof I had returned the product. I explained to them how I had not received a label, how I had to call twice to cancel the account which I never even authorized being opened, and they themselves [ FIA Card Services ] had told me to dispose of the product because the case had been resolved. They stated the merchant claimed I received the product because I cancelled after I received the product. However this was after the second time I called to cancel and they also failed to provide a return shipping label as promised. I then stated if the merchant provides a list of the items theyshipped and return label I will return what I can. FIA Card Services response was to send me a letter dated XXXX/XXXX/2015 that the cased was closed in favor of XXXX XXXX unless I could provide proof I had returned the merchandise. The bottom line here is simple, I nor anyone else should have to pay money to resolve an issue that was the fault of someone else. I did n't order this product, I did n't authorize the account being opened, I had to call twice to close the account, and I offered twice to return the product [ second time as best as possible anyway ] yet somehow FIA Card Services feels I 'm the one who should be damaged.