WillisBack/dataset-financial-user-claim huggingface dataset:
Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.
I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX
I have never went to see anyone of that name in 2013 or ever. I have insurance and if I went to this person or place I 'd know. I do not owe these people anything.
When I graduated from school i could n't find a job for almost 2 years. XXXX XXXX told me to go into forbearance. Next when I did receive a job i started at XXXX a year, and again they steered me towards forbearance vs income based repayment program. This ended up affecting my credit score and credit report. They still have not deleted the reports they made on my credit. Navient will now not answer any questions regarding hidden amounts of money affecting one of my loans. Every time I call I keep getting a customer service rep who is not from the united states and does not understand my questions. I have XXXX loan for XXXX and another loan for XXXX at the same interest rate. the XXXX has interest of about XXXX $ amonth and the XXXX has XXXX $ charges a month. They will not tell me where these increases are coming from and they will not fix the bug or problem.
I have tried to open up  XXXX  accounts at  XXXX  different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a  XXXX   XXXX  dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking  history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent  or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history.  <P/> Here the key factors   for on the report saying I could n't open an account.
-Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want.
-Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination.
-Non DDA Inquiries or Retail Item History.
-DDA History.
<P/>
Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item  s on my report be removed asap.They are not an reflection of my life and business.
On XX/XX/2017 A Company who calls themselves PERFORMANT FINANCIAL CORPORATION was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the Consumer Reporting Agency without Consumer Consent. I want these Foreign agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
Never received any notices or certified letters saying I owed this debt and found out it was on my credit report
On XX/XX/2017 XXXX received a Letter for dispute via Certified Mail. 
XXXX, as of today, I have not received an answer from Exquifax from them regard my dispute. I requesting Proof of verification from the following Illinois Federal Court Bankruptcy # XXXX-Unverified Account XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late payment. 
I am requesting this information be Permanently Deleted due to untimely respond from Equifax and Inaccurate reporting of verification.
I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?
I contacted Experian on numerous occasions and they refused to remove this fraudulent account from my credit file. I informed ( Experian ) that these accounts do not belong to me.
I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.
XXXX refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for XXXX days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last XXXX years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX accounts were removed.
I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car.
My XXXX-year old daughter received a credit card marketing offer in the mail from American Express. I checked with the XXXX credit bureaus and there has been no inquiries ( soft or hard ) registered. I had added my daughter to an existing credit card as an authorized user earlier this year for emergency use when she had to travel for school and this authorize user card does show on the credit report, but no evidence of inquiries or ID theft. I contacted American Express at the XXXX # on the letter that was received which was XXXX. They were unable to assist nor able to get a supervisor on the phone to answer how a XXXX-year old was marketed to. I was then given the option to call XXXX, which appears to be a fraud hotline of some type, but they also were unable to assist and stated they only approve or decline application requests. I was then asked to call XXXX, which was supposed to be a complaint group, but ended up being a marketing line for new cards. I then decided to call the office of the president of American Express in NY. In speaking with the executive admin, they would not take any calls only requests that had to be made via email or snail mail. This is not how consumers should be treated when dealing with credit and marketing offers to a minor child and any marketing offers going out the credit companies should absolutely know their target persons are of legal age to contract.
Equifax is reporting a 2 month old delinquent mortgage payment when in fact I have not been late on a payment in years.
I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.
In the process of closing on my new home the mortgage broker, XXXX XXXX XXXX, I was using email was hacked on XX/XX/XXXX. I received and an email advising me to wire my closing funds ( {$4900.00} ) to a JP Morgan Chase Bank Account : Account name : XXXX XXXX XXXX.

Routing number : XXXX   Account number : XXXX I walked into my bank XXXX XXXX XXXX XXXX to process the wire request- Wire confirmation number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX I received another email requesting closing funds because the " wire was rejected. '' At that point red flags went off and I contacted my real estate agent who in turn called the mortgage broker and we determined at that time his email was hacked.

I went directly to JP Morgan Chase branch located on XXXX XXXX XXXX. The personal banker advised she could not access the account because the account was frozen. She called in to the customer service/fraud department and they advised the account was frozen for review and no information could be provided to me since it was not my account and I was not a client of theirs ( I expressed that I was a credit card holder with the bank but that did not matter ). I was instructed to get in contact with my bank to request a wire recall.

I then went to XXXX XXXX XXXX XXXX   and processed the wire recall on XX/XX/XXXX inside of the branch. Since then I have heard nothing unless I call in to check the status. I have called XXXX XXXX XXXX XXXX who states they have sent over multiple wire recalls and have only received one response stating the account is being reviewed. XXXX XXXX is telling me to contact Chase to see if I can get it resolved faster because there is nothing they can do until Chase responds. I call Chase and no one will help me because I am not a client/ account holder and advises me to contact XXXX XXXX XXXX XXXX .

Monday was my last and final time calling XXXX XXXX XXXX XXXX after this cycle of calls, back and forth, and ultimately being told this could take 6-12 months to be resolved. I previously worked in the fraud department with a local bank and this time frame is unacceptable.

I am prepared to escalate this to the attorney general and above if this is not resolved. Fraud is never fun for any of the parties or institutions involved but I am not receiving any resolution. Being told to call back in a week or 2, to wait 6-12 months, requesting multiple wire recalls is ridiculous. I am prepared to end all banking relationships with both institutions.

This complaint is for XXXX XXXX XXXX, JP Morgan Chase and XXXX XXXX XXXX XXXX
Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.
My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.
On XX/XX/2018 I submitted a debt validation letter to Transunion and XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it with Transunion in the past. I was advised to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against Transunion as well as XXXX XXXX XXXX for violating my rights as a consumer.
PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.
SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.
From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.