WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!
My XXXX-year-old son received a new Wells Fargo debit card in the mail. I thought it was an update on his regular debit card. He took it into a bank branch, and was told that it was a cash in and out card only. The employee told him that he was better off just using his all-purpose debit card, and paying no attention to the cash only card. I 'm not sure about this, but it seems related to the Wells Fargo fraud.
I applied for a school closer program, I was in XXXX XXXX University back in XX/XX/2007 which XXXX XXXX XXXX bought the University. There was a whole mess with fraud and I was not feeling comfortable attending the school anymore. I paid other two loans belonging to XXXX XXXX XXXX but I refused to pay for the other loans due to the mess that happened back in XX/XX/2007. They are forcing me to pay I can't no longer have the option for deferment or forbearance. I am a single mother of two and they just denied it without a verifying all the facts. I do not have the money to pay.
I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.
I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well
In previous correspondence and all replies from Wells Fargo Home Mortgage, the generated robo letter states, " Wells Fargo is unable to establish contact with me ''. With all correspondence sent and owing my home for over 10 years and not changing my phone number, email, etc. The information has remained the same, additionally I attempted to establish contact with my new point of contact ( XXXX XXXX ). After visiting the Wells Fargo branch on XXXX XXXX, located in XXXX and chatting with representative XXXX XXXX. I attempted two phone calls direct to ( XXXX ) XXXX at XXXX and XXXX, both went directly to voicemail, without a return phone call and or email, etc. I have come to the conclusion that Wells Fargo Home Mortgage does not want to solve any issue that I may have and or resolve any confusion on my accounts. What XXXX XXXX did do today, was listen to concerns intently and assured me that he would do everything in his power and control to make certain that I have a pleasurable experience moving forward. Since first contacting Wells Fargo Home Mortgage and numerous points of contacts it has been my hope to obtain some sort of resolution as to how my payments were applied. Not once did Wells Fargo Home Mortgage request any receipts, bills, proof, yet they continue to send my information to collection and foreclosure bureaus. It is disturbing that a conglomerate of this magnitude operates on such a low level. Attached are the payment history of what I have deposited on a daily basis. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. XXXX # XXXX {$810.00}. Store # XXXX {$810.00}. Store # XXXX {$810.00}. XXXX # XXXX {$800.00}. Store # XXXX {$840.00}. Store # XXXX {$770.00}. XXXX # XXXX {$50.00}. Store # XXXX {$1300.00}. XXXX # XXXX $ XXXX funds of {$540.00} for XXXX {$840.00}. Store # XXXX $ XXXX/Unapplied funds of XXXX for XX/XX/XXXX/Total {$1600.00}. All totaling {$11000.00}. The following information is readily available in all records of the banks, how Wells Fargo Home Mortgage chose to apply these deposits is of question. There have been several unauthorized escrow analysis without my knowledge or consent, yet I have not received a definitive answer to my concerns, just robo replies. To suggest that " We are unable to establish contact '', especially when I make the opportunity to call XXXX XXXX ( XXXX ) XXXX and contact Wells Fargo Ceo 's directly. It is my hope that anyone from Wells Fargo Home Mortgage, will address my repeated concerns.
I have spoken with Best Buy Credit Card department several times regarding unauthorized charges on my account. I disputed it and send them back the sign documents and the charges have now been put back on the account with late fees and interest fees. Also the $ 800+ interest charge I was hit by because of this unauthorized has still not been removed. Best Buy is unlawfully charging me interest charge and fees as well for no reason.
Since XX/XX/XXXX Serve Prepaid card disputes team have been messing up a dispute filed on that date against XXXX 's {$110.00}. Disputes Dept keep filling the dispute under the wrong tag refund to customer, credit to customer, returned merchandise. To mention a few. Finally after i appealed it many times it's filled the right way. Since XX/XX/18 Serve disputes Dept charged XXXX 's back for {$110.00} which XXXX 's had been claiming they returned the funds to Serve that day. My account was never credited. However was given provisional credit which Serve reversed cause now they say it was an authorized charge and XXXX 's is saying they have the funds now
The Financial Credit Network has collected every closed fraudulent account against me, reopened the accounts and are trying to collect on the fraudulent accounts which were closed.COLLETIONS
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX +
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: XXXX XXXX XXXX XXXX
I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call. 

The XXXX account numbers are : XXXX XXXX
I rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.
I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!
I disputed the Account of XXXX XXXX with XXXX more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for XXXX to validate this account with a person and out the use of XXXX   or any other automated validation systems and validate that they have the original signed contract for this account. 

XXXX has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.
Received a voicemail on XX/XX/2019 at XXXX XXXX from " Unknown '' number, caller identified her as " XXXX XXXX '' but did not state a company, she stated a docket number and that there was a complaint registered against me and I needed to call to discuss pending actions. 

My husband then received the exact same voicemail for me at XXXX XXXX, at XXXX XXXX my ex husband received the same voicemail as well. All of the exact same scripted call from " XXXX XXXX '' I called them back and was told it was an answering service for a building of 15 businesses, they asked for a reference number, I gave it and was transferred to " XXXX '' with " XXXX XXXX XXXX '' I asked her for a validation letter and she refused stating they had sent one in XX/XX/XXXX. She stated that I called her and would have to verify my SSN, I told her I was not comfortable. She became hostile and told me that they would just serve me papers in the next 24-48 hours. I asked her for her last name and she hung up on me. 

My husband then called and also received XXXX, she then gave him my full SSN # and asked him if that was correct. Then told him she didn't appreciate him calling her and that she had just gotten off of the phone with me and they would just follow through with legal action and " to have fun in court '' I then tried to call them back in order to obtain a validation letter but my number had been blocked, I then called from my work phone and received the same front desk, gave him my reference number and he then said they weren't answering their phones, I told him that XXXX had given my full SSN to a third party and I would like to speak with her, he stated they were not available but would try again and instead hung up on me. I then tried to call back but they had then blocked my work number also, I called from another phone at work and was hung up on immediately after each try until they blocked that number too. I called from a co-workers desk and was immediately put on hold and then hung up on, same thing with another co-workers desk and then tried to call from my friend 's cell phone with a different area code and was prompted to leave a VM, when I didn't, he then received two calls from an " unknown '' number back to back with no voicemail. 

They also blocked my husband 's phone number as well.
I was victim of Identity Theft and they used my SSN to open a XXXX Account - with a {$3600.00} unpaid balance ( in collection ). I have asked Equifax and XXXX to remove the this item with no success ( in dispute since XXXX 2015 ). 
I also asked Equifax to remove another Collection issue ( caused by the same perpetrator who stole my SSN ) - Unpaid rent for {$4700.00}, in a city I have never lived in. No results to far.
This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.
Due to my place of employment changing to over XXXX miles away from my primary residence, I was forced to move and pursue a short sale of my property. I have been dealing with wells fargo ( my mortgage servicer ) for a year and a half and have gotten little to no assistance from the myriad of home preservation specialists assigned to me. My file has not been kept up with in a satisfactory way, has been handed off multiple times to specialists who do not engage in adequate communication with my short sale attorney, and dropped in and out of foreclosure status when it should not be. It is currently in a foreclosure status with a sale date, when I 've had a short sale contract in place for over a month plus all requested documentation being forwarded to them with receipt of reception. Today in particular when calling to speak to the specialist assigned to my account, I never had the opportunity to speak with her directly, but was forwarded to 4 different departments and spoke with 5 different people. It was not until I demanded to speak with a supervisor that I was able to at least be told that an email would be sent on my behalf to MY specialist assigned to MY account. This is ludicrous! How can I work with a specialist that can not be reached and that I 'm not allowed to contact? This complaint is for the home preservation department and their inadequacy to communicate with the parties involved to reach a resolution that is both timely and of mutual benefit to all parties.
I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.
It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.
Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
According to my credit score I believe I should have been give a lower APR rate but to being XXXX it was higher.