WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX   who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.
I have submitted information to this company stating that I was a victim of identity theft. They failed to work with me but instead stated that it was my fault, regardless of the police report filed I sent over.
The collection account was deleted off of my XXXX  and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.
On XX/XX/XXXXa was given an option to settle the account off by XX/XX/2018in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX outsources ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX  when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
Somewhere on or around XX/XX/XXXX My estranged husband, XXXX XXXX XXXX and I were issued a check from XXXX XXXX XXXX XXXX for musical instruments he claims were stolen after our separation on XX/XX/XXXX. The check was paid to the order of XXXX XXXX XXXX and XXXX XXXX XXXX for {$4900.00}, check XXXX, dated XX/XX/XXXX. XXXX was able to take the check to a JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, Texas and deposited into his personal bank account without my signature or knowledge. This check was allowed to be improperly negotiated and deposited. 

On or around XX/XX/XXXX a check was issued to XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. JP Morgan Chase at XXXX XXXX XXXX, XXXX, Texas XXXX allowed him to cash this check without my knowledge or signature as well as Compassion 's roofing did not sign the check XXXX, dated XX/XX/XXXX for {$3000.00}. 

On or around XX/XX/XXXX JP Morgan Chase allowed check XXXX. {$3000.00}, dated XX/XX/XXXX to be cashed. This check was made out to XXXX XXXX and XXXX XXXX and XXXX Roofing & Remodeling. 

All 3 of these checks were not negotiated properly, but all three were either deposited or cashed by 3 branches of JP Morgan Chase. 

I have spoke to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about it. The second two checks with the contractor 's name was for roof repairs ( both checks were the same amount ), but no work has been done on the property. I believe XXXX XXXX and the contractor may have split the money or XXXX XXXX may have kept the money for his gain. Please understand I know this money is not mine, but should have gone for the roof repairs. More checks are to be issued for the repair. I have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they can not do anything about it and will reissue more checks without inspection of property repairs. 

I have spoke to JP Morgan Chase branches, XXXX, XXXX XXXX and XXXX XXXX XXXX ( as checks were drawn off them ) with no resolution. 

It is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourse.
On XX/XX/XXXX I called quicken loans to ask questions about their home loan requirements and interest rates. When I called I had my credit report information already pulled from my credit karma account. I specifically told the man I spoke with that I already had my credit score and did not want a hard inquiry on my credit. I told him I just wanted to know what credit score you had to have for them to give a loan. He told me that he would have to pull my credit. I told him I knew my credit score and did not want him to put a hard inquiry on my credit report. Today, XX/XX/XXXX, I pulled my XXXX XXXX account up and seen that my credit score dropped almost 20 points. The reason was a hard inquiry from quicken loans. This is really going to XXXX me. My score was already low because I have n't had or used any credit in several years and the house I rent is being sold. I need to be able to find a home I can afford and get financed for in a very short period of time ( two months ) and this XXXX just made my credit too low to get financing. By the time this gets corrected, if it even does, It 's going to be too late. So now I 'll have to start looking for somewhere to rent, which is not fair. I only make {$20000.00} a year so it 's going to be hard enough to get a loan without other people making it harder. The phone # I called is ( XXXX ) XXXX, I got it off of their website.
Sharing of information is the best description but third party about my debt is what I checked cause none of the descriptions was mine. I 'm calling about : I spoke to XXXX on XX/XX/2017 about a hospital bill for my son at XXXX Hospital. I made payment, which I had no problem with. My complaint about XXXX is he asked me about other family member bills under my address. One was for my daughter " an XXXX '' bill and another was for a XXXX " some collection bill he has with that agency ''. I told him I 'm not calling to discuss anyone else 's bills just the account that I 'm calling for. He had no business asking me about someone else 's bill/account at the address that I 'm at. When I asked him why are you asking me about their bills he said because they are listed at the same address. I do believe he just broke some type of privacy law. What if my daughter never wanted me to know she went to the XXXX or that she has bills in collections??!! That was totally unprofessional of him to ask me about someone else 's bills!!!! I called back today to talk to his manager to give a complaint but the receptionist said she could only put me through to him and then he would transfer me to his manager. How am I to know that the person he would be transferring me to is really his manager???!!! And then I thought she was transferring me to a manager after I complained to her and SHE transferred me to him anyway!!! I hung up on him and now I am writing you this complaint. Do n't know what could be done about this but certainly there was a law broken asking me about someone else 's accounts!!
Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California
My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.
My mother 's social security number was used by my ex sister inlaw for a cosigner on her student loan back in 2006, electronically.. My mother is on social security, XXXX XXXX XXXX and in very bad health. She has been in and out of the hospital and in a XXXX home XXXX. My mother is being harassed daily by calls and letters. Demanding payment, which she can not make, because my ex sister in law can not be found and has been divorced from my brother going on 10 years. My mother never signed anything and Sallie Mae will not send her anything with her signature on it. She was asked for her social security number when she was recovering at my brothers XXXX This harrassment has increased in the last 6 months and effecting my mother 's health in a negative way. This is leading to her having another XXXX XXXX or worse. I need help, because Sallie Mae does not want to cooperate with her or myself. thank you for your time.
A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,
So in XXXX a credit card from Sear 's was opened in my name. In XXXX I was XXXX years old, also when I contacted sear 's in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
In XX/XX/XXXX I became ill and had to have several tests performed which resulted in my having XXXX on XX/XX/XXXX. I tried, unsuccessfully, to work with Freedom Mortgage to reinstate my loan. Unfortunately, I was never able to speak with the same person twice and they were not clear in their instructions for using their mitigation packet. I was told on various occasions that the packet was only good for 30 days, then 90 days, then 60 days and once I was told 2 weeks. I did receive a letter from Freedom Mortgage stating that I had met proven my hardship but they needed more information. Once my home was posted for foreclosure, my personal information was released to the public ; therefore, I have been harassed by emails and telephone calls regarding the status of my loan. Some of those calls have been threatening. After several attempts I finally hired XXXX XXXX in XX/XX/XXXX to assist in the process. Since XX/XX/XXXX it has been a constant merry go round. I have supplied every document that Freedom Mortgage has asked for but they keep requesting more. Freedom Mortgage has been supplied with my pay stubs for every month, bank statements for every month, letter of explanation when they were not able to read my bank statements correctly, tax returns for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I send in the information requested and Freedom Mortgage takes 30 days to review it. Then they will say that something has expired and needs to be resent. Once my house was posted for foreclosure I was not allowed to send in any payments. This is a process that should have only taken approximately 6 months to resolve but has turned into a nightmare that has lasted for 18 months. The law firm representing Freedom Mortgage has continued to send my certified letters stating that I have 90 days to vacate the property and that the house has been posted for foreclosure sale again. If Freedom Mortgage is working with an attorney to reinstatement my loan shouldn't they cease all legal proceedings until the matter is resolved? I have 18 months of payments, interest and attorneys ' fees that Freedom Mortgage is claiming I owe. I've been trying to work with them while they have been working against me. Freedom Mortgage has multiple complaints filed against them through CFPB. They need to work with their clients not against them!
I have contacted Fox Collection agency numerous times and they will remove the debt and the very next day put the debt back on my credit report. This debt was discharged due to bankruptcy before it ever went to collections.
I am seriously concerned about my XXXX XXXX with U.S. Bank. and how they handle my account Dishonestly. As I provided materials pertaining to my Bank account by Mail previously. I am asking for help investigating my account with U.S. Bank according to overwhelm funds Putting under UNAVAILABLE FUND for no reason at all. Trying to Scam me and my account of course. Thank you for any help and consideration to my inquiry. 

Sincerely : XXXX XXXX & XXXX XXXX
I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.
Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.
To Whom it may concern : I am fighting 2 loans disputes a parent loan by Navient Solutions that so call being investigated when my son left after 2 months because they would n't let him in class with no financial aid. This is the 4th dispute with them not doing anything. Now Navient has purchased this loan and dong the same stating they approve my forbearance which I never spoke with them or had any contact with them other than the other loan I am disputing .This loan is over 30 years old it  was from XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX and was under XXXX XXXX which I disputed the amount XXXX and how it was processed by the school. I was told I need it graduate? But I was on a XXXX XXXX XXXX. I was in bankruptcy for 5 years since XX/XX/XXXX. This loan from Navient states repayment begin in XX/XX/XXXX which I remember sending payments to XXXX XXXX so they would attempt to take our tax refunds and they was working on investigating ( The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check ) now loan amt ( XXXX ) now unpaid balance ( XXXX ). payments of XXXX starting on XX/XX/XXXX XXXX payments and last payment XXXX to end XX/XX/XXXX total with interest XXXX, no fraud and rip off but when you contact them with your information or CFPB they give a fake response like they are looking into the matter. I need help I am XXXX years old and in XX/XX/XXXX if I live I would be XXXX XXXX XXXX .The CFPB need to go after this rip off Company. I understand there is a pending lawsuit. How many other people have been affected by this Company and their tactics and harassment.
XX/XX/2018 made contact with XXXX in regards to a collection account on my credit report and they have denied to removed it, after I have provided with documents that this is not my account and I have been a victim of identity theft.
The credit reporting agency  XXXX  is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.
Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX  was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.
I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.
J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} XXXX XXXX million-eight XXXX XXXX dollars XXXX when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} XXXX XXXX Hundred-seventy XXXX XXXX dollars XXXX. Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.