WillisBack/dataset-financial-user-claim huggingface dataset:
1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to Nationstar, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both Nationstar and XXXX for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. Nationstar has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded Nationstars letter, a copy of my policy, and a statement showing that my policy is current.
My husband and I paid XXXX XXXX XXXX XXXX directly on XX/XX/XXXX. The manager agreed to retract and remove from collections. 

My husband and I filed for a dispute on XX/XX/XXXX, with all three credit bureaus. The collection was removed from my report, but now my husbands. 

The apartment complex did not remove the collection in XX/XX/XXXX as agreed after I paid. Procollect should have deleted it off both our credit reports per complex.
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXXletter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
I sent a letter to Citibank special delivery on XX/XX/XXXX. Informing them that they have been responsible for unfair bank practices, consisting of Authorization holds on my checking account, excessive overdraft fees and re ordering of transactions in order to make a profit from my misfortune. I opened a checking account with Citibank shortly after XX/XX/XXXX and In XX/XX/XXXX the Federal Reserve prohibited banks from automatically enrolling customers in overdraft coverage.This I was not aware of at the time I opened the account nor was I told during the time I held the bank account with them that I could opt in or out of such coverage. Therefore the bank have been making charging me excessively and unfairly in accordance with the law. I wrote in the letter that there have been a large number of settled lawsuits in the United States for exactly what Citibank have done to me. I mentioned that they have been acting illegally and that I would like to recover all my bank charges back from them that I have incurred from XX/XX/XXXX until XX/XX/XXXX. As full and final settlement.
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.
Following a recent review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX  XXXX  ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks
I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.
I sent many emails to zoca loan requesting they not draft my account on Friday XX/XX/XXXX. I received no response. Today, they drafted my account without my authorization. They did not respond to any of my emails sent.
Transunion has re added XXXX back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.
I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.
I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.
On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.
I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
In XXXX, I contracted with XXXX XXXX XXXX to spray my front and back yard for pest once a month. They knew that the gate to my back yard is always locked. I operated a XXXX from my home, so there was always someone at my residence to open the gate and give them access to my back yard. 

From the time I hired XXXX XXXX XXXX they kept charging me for services they did not provide. I told them them to knock on my door when they arrived to spray my yard, so I can open the gate. I also told them to leave a notice on my door, if no one answered the door. They never came to my door and never left any message that they were there for months. Then I started getting calls that my payment was past due. 
I told them that I was not going to pay them, unless they showed proof of the service I requested. They kept harassing me with phone calls. I have not lived at that address since XX/XX/XXXX, and these people are still harassing me to pay them and they know that they did not provide the service. They started by telling me I owed them XXXX dollars, after I told them that I was not going to pay for a service that they I did not receive. They have taken drastic measures by submitting my name to XXXX XXXX to collect {$260.00} from me. This company has submitted derogatory and erroneous information to the credit bureaus, tarnishing my name publicly. 

I reporting XXXX XXXX XXXX to you for you to stop them from pursuing this fraudulently collect debt they say I owe. Someone has to protect we the consumers from these vultures.
I have been the victim of ongoing ID THEFT and have a few fraud accounts as well as other info reporting on my TRANSUNION credit report. I have sent in supporting documents as well as other info in support of this. I am aware my file is begin handled by the specialized fraud team within TRANSUNION. the following is fraud and please needs to be blocked or removed. Thank You. 
1.XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 2.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 3.XXXX Inquiry : XX/XX/XXXX
I purchased Reloadit brand reload packs for a XXXX prepaid card. This company requires you to load these packs into an online 'safe ' and then from there you can load your card. The website allowed me to load these packs into my safe, then would n't let me load them to my card. I logged out and came back later to find the company had locked me out of my own safe. I called their customer service line numerous times. I was accused of stealing these packs and was told I must provide proof that I bought them. They considered it suspicious to have purchased these packs from more than XXXX location with days between each purchase. At XXXX point they even said I should expect to be contacted by the FBI. 
The customer service representative gave me an email address to send the proof that I had purchased the packs. I was required to send photos of the reload cards and receipts. I was also required to provide a photo of me holding a government ID. I emailed everything the same day. I called back a week later and the person told me he never got them, then asked for my landlords telephone number to prove I live where I said. He started counting down from XXXX, when I would n't give it to him he hung up on me. I called more times. They put me on forever holds on more than XXXX occasion ( that 's when you get put on hold with no intention of them returning to the line, XXXX minutes without checking in ) They locked my account permanently with {$650.00} dollars in there. 
A number of days after being told by phone they never got my email, somebody responded to the email I sent them. She asked for more information and was quite polite. Then she called me to confirm my address for the refund check. 
Still no check. I emailed her and now she is unresponsive too. This has been going on for months. Every person I call now says there is no way I 'm getting my money back. I recently called them again to try to resubmit the information they require. They said they wo n't be making any effort to resolve this issue and my money is gone.
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
Upon obtaining a XXXX position for the State of Maryland, in XX/XX/XXXX of this year I decided to apply for loan forgiveness where after 10 years with the state, the balance of my student loan would be forgiven. At that time my loan servicer was XXXX XXXX. They assisted me to apply for forgiveness as well as filing for income-driven payments and loan consolidation. I followed their instructions in filling out the forms. It was a very confusing process where there were several agencies that needed my information and most information had to be submitted online. 
After receiving notification from Federal Student Aid on XX/XX/XXXX ( an office of the US Department of Education ) that my loans were in the final stage of being consolidated, I was instructed to make payments to XXXX. Somehow in the process, a company called Equitable Acceptance and XXXX XXXX became involved and is now charging me {$1400.00} for the service of consolidating your loan. I dont know if I had given them my information, or they obtained it from another agency but they are now trying to pull payments from my checking account with e-mailed forms with my approval. I contacted XXXX and they informed me that consolidating my loan was free and there was no evidence that a Third Party Agency had been involved with my loan. The Board of Education does not accept electronic signatures. The forms I signed from XXXX XXXX were electronic, therefore the XXXX did not accept their fake consolidation forms. I put stop-payments through my bank and now have found that this issue is affecting my credit. 
After doing research on Equitable Acceptance, I have found that they have a D rating with BBB and numerous complaints from people like me as to how they end up owing Equitable money. There is also numerous postings that the company is a Scam. I am getting calls daily from XXXX as well as a company called XXXX XXXX. It seems as though these companies get information from the internet and make applicants believe that their services are needed to complete the process. I have attached copies of these letters that I have received. 
In XX/XX/XXXX I contacted the companies to inform them that I did not need their services. I was told I could not cancel.
I was emailed that my online account had been suspended. It stated my account password had been entered XXXX times. Well ... ... .I have not tried to get into my account for weeks. I tried to call Wells Fargo and the kept transferring me and repeatedly asked me for my information. They would not transfer me to the fraud department. I am a XXXX veteran with a XXXX and they would not help me. I do n't want some XXXX to access my equity in my home or open new debt. So I want to know what happened and what they are going to do but obviously they are not going to do anything I wish they did n't buy my mortgage!!!! i certainly would never do business with Wells Fargo in the future!!!