WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past few weeks, my mother has called Chase Bank in XXXX, OH to try to fix the problem. She called me ( her son ) not knowing what to do, so I tried calling Chase bank on XX/XX/XXXX to see what could be done. Basically, Chase said " Too bad. Sorry. '' I called the local branch, the general Chase customer service number, spoke with a manager, called back, and more, but no one could or would help.

My mother has been a Chase customer for years. Her husband ( my father ) died a few years ago. My mother wanted to add me and/or my sister 's name to her account to be joint owner, so we could help her deposit/withdraw money, write and cash checks, etc. for her. She is XXXX and has been in a XXXX for years. She can not now even leave the house. She can't physically get out of the house due to her bad back and knees. Chase said that unless my mother physically goes into a local bank branch, she can not have anyone 's name added. We explained that she was not physically able to do so due to her XXXX, but they said that was their policy. We asked if there were any exceptions, if we could bring proof over for them, if someone fromt he bank with a tablet or laptop could go to her house and have her sign something, or any other way, but they said just kept saying that unless she physically enters the bank, she can not have anyone 's name added. 
We considered adding power of attorney to the account, but as you know, this is not the same thing and does not have as much power as joint owner. We tried submitting a legal POA document, but Chase rejected it, saying that it did not have an indemnity clause. I asked it we added it, would they then accept the POA. They stated that we would have to have the lawyer update the POA, then we could re-submit it, and then see if Chase will accept it. If not, we would have to keep trying until Chase accepted it, but they would not tell us what we needed to so to make sure it was accepted. I called the lawyer who wrote up the POA, and they told me that even if we made a new POA today, Chase would not accept it. They told me that they always have problems with Chase accepting POAs from anyone. However, that is just a temporary solution, anyway, as my mother wants another name added to her account, but Chase seems unwilling to even consider accommodating her XXXX in any way. For example Chase told me that even if I was on as POA, I would not be allowed to close the account for her. 
I understand the need for security measures, but she has been a customer there for years, would go to the local branch if she could, but is not physically able to do so. She is willing to do what she is able to do, but the Chase representatives simply kept repeating that if she will not physically enter the bank, she can not get another name added to her acocunt. We are not sure what to do, as my mother is physically unable to enter the bank, and Chase seems unwilling to even considering accommodating her XXXX in any way.
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, EQUIFAX. XXXX AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE 10 YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.
On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.
On XXXX XXXX, 2014 my hoa had an attorney firm called XXXX XXXX XXXX act as the agent/attorney and their trustee all at the same time which is illegal becuase a trustee needs to be impartial. This XXXX XXXX XXXX conducted an auction of my property right inside their office and gave my home away for a mere {$20000.00} to XXXX ( XXXX ) a straw buyer basically. This law group recorded a trustee 's deed upon sale as if they were the real trustee under the deed of trust. My name was removed from title and becuase it was not a real trustee sale I was left with the mortgage in my name. This XXXX claims he purchased the property free and clear of the loan. I still owe XXXX to this property. 
This XXXX files a quiet title against the property and names various parties including myself. Now I am being sued and have no property just the loan. 
I am still being charged by the servicer every month and my credit is getting ruined. Instead of the servicer assisting in this they have done nothing at all to help me. They had their corrupt attorneys at XXXX lie to me, they told me an HOA could not take my property and the HOA did take my property. They gave me incorrect information wanting me to loose my home. This firm is the one that just filed an illegal substitution against the property, without authority FROM fannie Mae.This XXXX, are taking hundreds of these fradulent HOA foreclosures and filing unauthorized substitutions of trustee in trustees that they themselves represent. I have found them on XXXX I am doubtful these attorneys in this case are in there for any good purpose. They even called the servicer seterus and had me blocked from asking questions. Your agency had them unblocked me. I want Seterus to realize what happended to me is a scam and that I am in court fighting, not purposely wanting to pay the money on the house. 
This new attorney for this case XXXX XXXX has fed me a bunch of lies, when I asked why the hoa was receiving over XXXX XXXX dollars in hoa fees when the hoa fee is {$25.00} a month, he responded with a lie. He said that even though it says hoa fees they really are attorney fees. Complete lies. He said that those fees where paid to the Fannie Mae attorneys to file a quiet action. It is completely deceptive it says HOA FEES NOT ATTORNEY FEES. Further, the XXXX attorneys never filed a quiet title it was that XXXX that took my name off the title. This supposed new attorney XXXX XXXX, IS A LIAR. He works for XXXX law firm. 
He says he going to be substituting for XXXX. 
Seterus needs to get an honest attorney on this case, these law groups are corrupt they are trying to steal my home by filing false documents against the title to my property. 
Seterus, CEO, needs to look into these law groups that are claiming to be representing them. They are getting into their data basis and taking over thousands of peoples properties not just mine. 
I want to know who the lender is on my loan because these attorneys have been changing things on my deed of trust. Seterus has done nothing to help ...
I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.
A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.
To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...

" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.

Please review, because I'm sure that they are violating a number of Federal Laws.
I have a VA mortgage loan with XXXX which is serviced through XXXX  XXXX. I have an automatic monthly payment set for the mortgage and anything more was to be paid to principal. Any time I try to pay additional principal Nationstar will take that amount and initiate a payment reversal, sometimes even taking additional monthly payments when not scheduled. It is so confusing and I am not sure how much money has gone to principal or interest? There have been as many as 10 transactions in one day, I do believe the bank keeps applying my money to the future interest instead of the existing principal but can not be sure. I have contacted the company on numerous occasions over the past few years trying to put a stop to this practice and to get them to right their wrongs but to no avail. The most recent contact was XX/XX/XXXX at XXXX with " XXXX '' and a few weeks prior with someone named " XXXX XXXX and still nothing?
I contacted Equifax about my credit report and I noticed there are tons of fraud on my account and I never applied for a loan or did business with these people and my ID and my social security card was stolen and i fax a police report/and identify theft report FTC and Equifax refused to honor my request and the investigation took more than 90 days and I havent had those accounts deleted/removed off my report such as XXXX XXXX XXXX XXXX  balance amount XXXX XXXX XXXX XXXX XXXX XXXX balance amount {$820.00} XXXX  XXXX XXXX balance amount {$220.00} XXXX XXXX XXXX  balance amount XXXX XXXX card balance amount $ credit limit is XXXX XXXX XXXX XXXX balance amount {$500.00} XXXX  XXXX XXXX balance amount is {$2000.00}
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in America navigate the website for me while I was skyping him and we could n't get through the security questions for XXXX and Equifax. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from XXXX and Equifax , this is the SECOND time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a volunteer so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.
I have been trying to pay everything that I make to bring down my student loan amount and I have noticed most of my payments are going towards the interest rates for the past 3 years. These are the amount I have paid to interest for the past 3 years : XXXX {$13000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$46000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$35000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF I called them again and found out all these time they have set up my payment plan in a way that pays interest first then the balance. I don't think this is fair ... this needs to be recalculated since I have paid about {$95000.00} only in the past 3 years to interest vs. I this money have been applied to my principle my loans would have been much less now.
I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.
The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal
I have sent Experian several identity theft reports with proper identification and Federal Trade Commission identity theft reports about XXXX XXXX XXXX account. This is NOT mines and asked them several times to remove accounts from XX/XX/XXXX to present through various official agencies including the federal trade commission, police reports, etc. Experian failed to remove XXXX XXXX XXXX account and is considered to be in violation of the fair reporting act. I would like this to be investigated and XXXX XXXX XXXX account to be removed from my Experian credit report immediately.
Equifax failed to adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.
On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.
{$460.00} attempted to be collected by company. This is not a debt that I owe.
Had no problems when this was XXXX XXXX credit card once store went out of business ( XXXX  XXXX  ) took over the credit card nothing but problems since.I Pay my credit card off every month not everyone can do this so I warn people of this fraudulent practices by ( XXXX XXXX  ) made a purchase onXX/XX/18 got bill in mail due date was on XX/XX/18 I Mail all my bills out at least a week before due date .my payment was received onXX/XX/2018 got an email stating that it was paid on this due date XX/XX/2018!!!! when I got my next statement in mail on the week XX/XX/18 I had a late charge and finance charges because someone in their customer service department or billing department put XX/XX/2018 as the payment date so I called customer service on XX/XX/2018 and told the customer service the situation and I  stated that it was paid on the XXXX not the XXXX and it must be human error on the typing but customer service did not want to hear this went in one ear and out the other so they took off the late charge also at this time on phone I canceled my credit card with ( XXXX  XXXX. ) When I got next bill in the mail they left the finance charge on Bill statement for no reason but ( XXXX  XXXX ) human error mistake so ever since then my finance charge and late charges have been occurring and I have been getting harassing calls on my two phones 4 to 6 times a day for their mistake this could've been resolved back in XXXX so fair warning to anyone that deals with ( XXXX  XXXX ) corrupt and fraudulent charges maybe put on your bills
On XXXX XXXX XXXX Atlanta-based credit reporting and technology company Equifax said a cyber security incident may have exposed to criminals the personal information, including Social Security numbers, of approximately 143 million U.S. consumers. 

Unauthorized access to the information occurred from mid-XXXX to XXXX, says the website setup by the company, and was discovered by the company on XX/XX/XXXX. 

On this same website, https : //www.equifaxsecurity2017.com, and individual can check to see if their information was potentially affected, which, according to the company 's own site ; my information was. 
Upon discovery of this, I turned my attention to my state 's Attorney General, whose website lead me here. 

I have not signed up for the free credit monitoring ( TrustedID Premier ) they have offered, as this may force me into arbitration, as per Equifax 's Terms Of Service agreement.
I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.