WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I attempted to work with XXXX on a loan modification on property XXXX XXXX XXXX XXXX, XXXX Texas. I worked for 2 years to try to modify the loan. Each time I sent paperwork in, it was missing something or they couldn't open email or didn't receive the faxes. Then I would have to start over and each time they delayed the modification. Every 3 months I was on a forebearance payment. Then I got notice that they sent a notice denying my modification and they sent it to foreclosure in XX/XX/XXXX. When I offered to pay the back fees and missed payments they gave me an astronomical number that I could not pay. There was a second mortgage on the property owned by Washington mutual and then later sold to JP morgan chase. I did not receive any documents from XXXX or Chase on what the house was sold for and did not voluntarily forfeit the property. Chase sent the Cancellation of Debt for that period and have represented it as the foreclosure occurred on XX/XX/XXXX when actually the event should have occurred in XX/XX/XXXX, not sure of date because I received no paperwork. Also the fair market value of the property is not correct. The fair market value should have been taken for XX/XX/XXXX instead of XX/XX/XXXX. We feel that we are not responsible for the debt in XX/XX/XXXX when it was suppose to be XX/XX/XXXX when we were insolvent. Also we were misrepresented with Washington mutual and the second mortgage was suppose to be tied to the property. Chase was notorious for these kind of tactics in XX/XX/XXXX thru XX/XX/XXXX with foreclosures and we have had other properties that foreclosed in that era that chase actually had a lawsuit where we got proceeds from. We will include the Cancellation of debt but redact it as in dispute with Chase. We have sent a letter to chase to make the changes on the document and the document to the IRS. We also didn't receive the XXXX Debt cancellation until the end of XX/XX/XXXX. They also didn't release the lien until XX/XX/XXXX even though the property had been sold. When I called and spoke with Chase concerning this mattter, Chase stated that they sold the property in XX/XX/XXXX for enought to cover the first and second mortgage but by law they did not have to pay off the second mortgage. When I asked Chase to show me proof of bills they had been sending to try to recover this second mortgage, they stated that they do not send out any bills and that we just should have known. When asking them about the fair market value being for XX/XX/XXXX and not XX/XX/XXXX, Chase stated that they can make the fair market value what every they want to make it. I asked to speak with a manager or someone in a higher positiation and they stated they were they highest position in Chase. 

Thank You XXXX XXXX
heart ship loan refi H.S.B.C Mortgage charged me XXXX in interest unknown to me. 
asked for payoff information in XX/XX/XXXX it showed XXXX in interest for heart ship modify. 
just received a letter from H.S.B.C they sold my loan to XXXX XXXX XXXX XXXX for more than I owe XXXX payoff in XXXX was XXXX
Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.
My daughter XXXX. As a result she was XXXX. This was not covered by insurance so I paid in advance for her to attend the facility for 30 days at {$550.00} a day, authorizing a one-time charge of {$16000.00} to my credit card. After 30 days, she stopped using the facility. Two weeks after she left the facility, a second charge for another {$16000.00} appeared on my card. This charge was not authorized and, unknown to me, the merchant had retained the card information I had previously provided and used that information to charge the card a second time. I tried to call the merchant but they did not return my calls. I called Chase Visa to report this charge as fraud. Chase accepted that this was fraud, canceled the charge and issued me with a new card. Four months later, and after I had destroyed my records, I received a call from the Chase Fraud Review department claiming this was not fraud but a merchant dispute. The representative on the recorded call put an enormous amount of pressure on me ( this can be reviewed ) to agree that this was a merchant dispute but I declined to do so. 
My complaint : 1. This WAS fraud. This charge was not authorized by me and Chase can provide me with no record of its authorization. No goods or services were provided for this charge. I want Chase to treat this as fraud 2. The fraudulent charge appeared on my account on XX/XX/XXXX. Chase contacted me today ( XX/XX/XXXX ) to tell me that they now considered this a merchant transaction. Too long a time period passed between these events, which meant that I had discarded my information and notes about this fraudulent charge. 3. The representative to whom I spoke put undue and unfair pressure on me to convert this fraudulent charge into a merchant dispute with today 's date. 

Restitution : I would like this fraud to be seen as what it is and no record of these events to affect my credit standing in any way.
After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.
Discover issued me a Credit Card account with an initial {$8000.00} credit limit. 
I was the victim of Identity Theft resulting in unauthorized charges on my account. 
I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. 

The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. 

I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.
Wells Fargo categorically refuses to answer any and all of my Qualified Written Response. 
Please find their written response attached to my new XXXX complaint. 

Prior to receiving the attached Wells Fargo denial letter, I sent A copy of my RESPA request to the Consumer Finance Bureau, who opened Case Number XXXX. 

Wells Fargo now claims they have opened a new case file regarding my " new CFB '' inquiry. This is NOT a new inquiry. 

They have violated my consumer right for a loan audit, including history of loan ownership.
After XXXX XXXX hit us in Puerto Rico last  XX/XX/XXXX that course Island wide devastation, the majority of local Bank and financing institution in Puerto Rico went publicly on T, V, and Radio to inform the they would be putting in effect a moratorium on there mortgage payments for all of local debs. Finally on XX/XX/XXXX, I finally meet with bank representative to discuss my case. At this meeting I was inform that since my mortgage was a veterans guarantee loan I would not have to worry for any monetary cost at all. After 5 months had transpired, second week of XX/XX/XXXX I received the notification that I have to pay my 5 months of mortgage, plus approximately {$800.00} in closing charges, something that was never inform by the Bank, and a practice not in accord in a disaster environment. I feel that I am being blackmail as well as discriminated by the Banco Popular of Puerto Rico. My mortgage account # XXXX XXXX  XXXX XXXX XXXX P.R. XXXX. The person that work my case was XXXX : XXXX XXXX and her supervisor and XXXX XXXX XXXX Senior Vice president Lending services.XXXX  -- XXXX. My Address is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX P.R.XXXX.
These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.
Capital one credit had fraudulently applied for a credit card without my consent application number XXXX. After The company required more information for validation, I was told I have a 90 day time limit from numerous representatives at their call center and supervisors. When I sent the final validation information into capital one and called them, they had stated they would be pulling another credit check, and I told them that is not what I've been told, that i was going to make a complaint to the FTC, and do not make another credit check, and I do not want the credit card. For the 2 months prior to the company refiling my application, I told many customer service reps and supervisors that i do not want a 2nd credit pull. Its in the companies call logs/ recordings, and in their notes within my account. Capital One had processed the application anyways without my consent, and my clear response of telling the company no. After repeated attempts to have them remove those credit pulls nothing has been done. Pennsylvania and Federal laws clearly show this company is in major violation.
RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.
The company ( XXXX XXXX has called me excessively after one missed payment for an entire week. I have either answered when they called or called back immediately. Therefore, no lapse in contact has been made. Unfortunately, the agent and manager at the office have began calling my references, as if they have not made contact with me. I explained to the manager XXXX  that she was in violation of the regulations set in place. She accused me of yelling while on speaker phone, to which I explained I wasnt yelling and my being on speaker phone was entirely at her discretion as manager. She proceeded to hang up on me and when I called her back to reiterate the fact that they should not be calling my references due to our continual contact she refused to acknowledge the phone calls were being made and bid me good day.

The amount due is less than {$500.00} and the due date is the XXXX  of every month.

I believe the agreement was 10 payments of {$96.00} which Ive complete approximately 4 before the due date.

Dates of contact : XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( missed call ) XX/XX/2019@ XXXX   mountain time ( received text from sister that she had been contacted by XXXX XXXX ) XX/XX/2019 @ XXXX mountain time ( hung up on by manager XXXX  ) XX/XX/2019 @ XXXX   mountain time ( I called back to reiterate the violations ) **** times reflected on call log are pacific time
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.
I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.
I am having serious problems with my mortgage and escrow account with CitiMortgage/Citibank. 

On XXXX XXXX, 2015 my private mortgage insurance ( PMI ) was released. I paid the XXXX statement as it was issued before the cancellation of the PMI. 

The XXXX mortgage statement came with no changes and I paid the amount due on the statement. I received a letter from CitiMortgage after I paid XXXX with a new monthly amount due. Then I received my monthly statement with a different amount due from their letter. I called CitiMortgage and they gave me yet another different amount due. 

In the meantime, they deducted money out of my escrow account but that money was not reflected in the new balances. I called and one customer service rep said that he did n't know where the money went and maybe they were issuing me a check but could not confirm that information, he just thought it. The money was taken out of my escrow account on XXXX XXXX, 2015. Nothing happened and I called again, and was told the money went somewhere but it was n't toward my principal and she could not determine where my money was. 

I emailed them and the respondent gave me the date of XXXX XXXX as the PMI cancellation date. I have the letter from CitiMortgage stating it was cancelled on XXXX XXXX, 2015. Information was also sent by the appraiser chosen by CitiMortgage that I paid for. Ugh. 

They recently took more money out of my escrow and I have no idea where that money is either. In addition, CA escrow laws are different and they do not acknowledge nor understand those laws. 

At this point I have to pay the amount on the statement which is more than I owe. Again, because it is an escrow discrepancy, the money will be removed from my escrow and not be refunded or credited that I know of. 

To summarize, I do n't know which of the monthly statement amounts they gave me is correct and I have no idea where the excess escrow payments are going. 

If you could provide me any assistance, even a phone number beyond the CitiMortgage customer service number that could escalate this, I would be sincerely grateful. 

Thank you so much for your time with this. 

All best wishes, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( cell ) XXXX ( work ) XXXX ( home )
XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.
I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report.
Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
I received notice from XXXX  XX/XX/XXXX that a collection was added to my account. I never received a validation of this debt and I do not believe it belongs on my credit report.
I have filed three complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information about my XXXX XXXX   XXXX # XXXX to my daughter XXXX. 

XXXX is NOT a co-signer on any of my business or personal accounts and is NOT A CO-SIGNER on my XXXX XXXX XXXX # XXXX and does NOT have the right to know my personal information. 

I am filing a 4th complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act with regards to XXXX XXXX XXXX  # XXXX. This is NOT in regards to account ending in XXXX. 

XXXX XXXX..please respond to the fact that US BANK gave out information about my XXXX XXXX XXXX ACCOUNT to my daughter XXXX XXXX who is NOT A SIGNER on the XXXX XXXX   XXXX # XXXX. 

I, XXXX XXXX, am ONLY a co-signer with XXXX XXXX on the student checking account ending in XXXX. XXXX XXXX is NOT a signer on my XXXX XXXX XXXX # XXXX. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality about my XXXX XXXX   XXXX # XXXX and wont even address my complaint with the CFPB. 

XXXX XXXX is NOT A CO-SIGNER on my XXXX XXXX XXXX # XXXX. THIS ACCOUNT IS MY PRIVATE BUSINESS. 

I AGREE that US BANK had the right to take the {$630.00} from the account ending in XXXX to pay for the XXXX XXXX XXXX # XXXX. 

However, US BANK is in strict VIOLATION OF THE FAIR CREDIT REPORTING ACT BY TELLING XXXX XXXX ( not a signer on the XXXX XXXX XXXX # XXXX. ) my PRIVATE INFORMATION ABOUT my personal XXXX XXXX  XXXX # XXXX. This was PRIVATE INFORMATION. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS BEHIND ON HER BILLS '', and " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS '' XXXX from US BANK DIVULGED INFORMATION about my XXXX XXXX XXXX account # XXXX to my daughter XXXX XXXX, WHO IS NOT A SIGNER ON THE ACCOUNT and has NOTHING TO DO WITH THIS XXXX XXXX  XXXX ACCOUNT. 


****XXXX VIOLATED MY PRIVACY RIGHTS***** This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX  and a great deal of unwarranted XXXX. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information of my XXXX XXXX XXXX # XXXX to a non-signer, XXXX XXXX. 

XXXX filed a formal complaint for me. XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK for telling my daughter XXXX, who is NOT a signer on my XXXX XXXX   XXXX # XXXX. Thank you.