WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.
XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.
Back in XX/XX/2017, I disputed information on my XXXX XXXX account. I guess since the company didn't respond Transunion deleted my account. Fast forward to this year the account with XXXX has bee paid and doesn't report to my Transunion report. 

So almost 5 years of perfect payment is completely gone. I've called Transunion and they said to tell the institution to reinsert the account. 

XXXX XXXX has tried to reinsert the account and has been contacting Transunion and they refuse to add the account. 

According to FCRA, They're supposed to report accurate information. The creditor has said they have tried and have failed because Transunion is refusing. 

This is now causing me issues because I can not take out along for XXXX, leaving me miserable on a daily basis. 

If Transunion continues to refuse to add account legal action may be taken. Thanks.
From XXXX to XX/XX/XXXX, my wife and I worked with the XXXX XXXX XXXX to close on a house, which I currently resided in. From XXXX to XX/XX/XXXX, my wife and I worked closely with our XXXX XXXX XXXX agent, who worked at the XXXX XXXX XXXX. During this time, I sent multiple paystubs, applications, and documents ( to include my VA XXXX Letter ) to our XXXX XXXX XXXX agent. Unfortunately, we found out through our XXXX XXXX  XXXX agent that she was fired sometime between XX/XX/XXXX and XX/XX/XXXX. 
Because of this, the owner of the XXXX XXXX XXXX ( NMLS #  XXXX ) took over to assist us in closing on our future home throughout the month of XXXX, XXXX. Since the owner of the XXXX XXXX XXXX took over, we had to resubmit ALL of our documents to the owner of the XXXX XXXX XXXX via email and seemed like he was confused on the appraisal of the house. In order to ensure that the house appraisal was correct, my wife had to recruit the assistance of our realtor to provide the accurate home appraisal. I had multiple conversations with the owner of the XXXX XXXX XXXX to clarify my VA Rating being XXXX %, not XXXX %. The closing of our home was postponed and rescheduled two different times. Finally, my wife and I closed on our home on XX/XX/XXXX. 
In XXXX of XXXX, I received a letter from my current mortgage company, XXXX XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ), that I have an Escrow Shortage of approximately {$7700.00}. Sadly, XXXX XXXX only provided me 1 week notice that my mortgage payment increased from {$1300.00} to {$2000.00}. After multiple attempts, XXXX XXXX  was only able to provide a 3 year payment plan that decreased the {$2000.00} payment to now a payment of {$1900.00}. I also called the XXXX Tax Appraisal Office to figure out what happened. After discussing my issues with my agent, she explained that apparently when my house was being closed on, the original lender ( XXXX XXXX XXXX ) was using the wrong appraisal information. The agent also mentioned that my VA XXXX was wrongly inputted as XXXX %. I explained to her that I was rated at XXXX %. In the county of XXXX, veterans rated at XXXX % have no property taxes. Veterans who are rated between XXXX %, get a discount on property taxes. Because of this discrepancy, I now have an escrow tax shortage of {$6000.00} and an insurance shortage of {$1700.00}. All of this could of been paid off if my original lender ( XXXX XXXX  XXXX ) used the correct home appraisal information and used the correct VA XXXX Rating. Throughout this process, my family and I have incurred late fees and extra mortgage costs due to the XXXX XXXX XXXX mistakes.
Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.
My Husband and I received our XXXX Form from Wells Fargo Bank N.A . 
for our mortgage loan # XXXX and the Outstanding Mortgage Principal is off by {$3800.00} ( the principal payments made in XX/XX/2016 ). 
I checked our amortization sheet and the Wells Fargo Statement for the year end amount, in XX/XX/XXXX, which is {$110000.00}, NOT $ XXXX Thank you for helping us to rectify this error. 
XXXX & XXXX
I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!
Quicken Loans waited a week before closing to tell me my loan had been denied. This was after written approval from Quicken and over {$6000.00} in earnest money, appraisal, Survey and inspection fees. My loan officer XXXX XXXX assured me through out the entire process everything was ok with my loan. Because of Quicken Loans material misrepresentation of my approval I incurred fees to close the loan based on Quicken 's approval process. Worst experience ever!!
I want to file a complaint against Citizens Bank and their service provider handling my student loans XXXX XXXX. In the FAQ page of their website, it says I can choose to have anything above my minimum payment applied directly to my principal balance. I pay over my minimum balance every month, I called and asked to have a written confirmation sent to me that all of the money above my minimum payment is being applied to my principal balance. They have denied this request for written confirmation and " assured me '' this is the case. I do not believe this is happening on my account as any payment above my minimum balance seems to just to extend my payment date, which leads me to believe they are applying my extra payment amounts to future interest payments and not applying to my principal balance. Even though it states clearly in their FAQs that I have the ability to choose where my extra payment is applied to ... and they failed to do that for me and provide written confirmation that this is what is happening with my account. I would like them to fix this on my account, provide me with written confirmation that all of my extra payments are being directly applied to my principal balance and not being applied to future interest payments and for them to clarify their FAQs so there is no confusion.
I been contacting XXXX  for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
I have been a victim of debit card fraud in XXXX, TX. Bank tells me that someone used my card with security chip and PIN, which is impossible because I was in a different city with the card in my possession. I did not authorize anyone to use the card or share my information with anyone.
Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks
I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.
I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.
Paid my credit card payment through compass and didnt have the money to cover it so got sent back. No one notified me or told me. And they kept trying to put it through all month charging me XXXX $ every time. They tried to say I didnt have money in the bank so I asked if deposits go on before withdrawals. I was told yes. Then wen I showed them the withdrawal went through at XXXX am and I got my paycheck at XXXX and deposited it, thats wen they change their mind and say no this particular withdrawal is instant even tho it never has been instant for a whole year until I showed them wat they said wasnt correct. So they just change their minds everytime you prove that they are lying. Isnt that convenient. Always a reason how theyre right and the customer is wrong. That way they can steal money from on anyone anytime they want. This needs to be stopped and compass board of directors needs to be locked up with a life sentence since theyve been stealing from Americans since they came into existence.
I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX
I contacted XXXX to pay my student loans and was asked why have I not gotten into a student loan forgiveness program, the agent that I was speaking to his name was XXXX. I told XXXX that I did not qualify for a student loan and he asked me a couple questions about my income and told me that I would be a good candidate he told me that to start the application it would be a payment of XXXX and three more payments of XXXX after that. He said that once I was done making then payment as long as my income stayed below XXXX a year that I would qualify to get my loans dismissed. He said that company that I would be going through would be with Timark Solutions witch is an affiliate with XXXX.
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This must be an oversight and would appreciate any help in clearing this up.
I contacted Transunion in XXXX regarding the inquiries showing on my credit report for accounts that I have never seen before and I advised the telephone agent I was a victim their inquiry issue and false information has starting to show up. The phone agent advised that I wasnt effected and the dispute is not valid due to the amount of time the inquiries have been posted to the report. The agent declined the opportunity to assist me.
On XX/XX/XXXX a debit for {$20.00} came out of my account but it came out in the middle of the night and with in hours I got a notification that I got a {$35.00} charge. There was no chance for me to even step into the bank at opening time or ask my cousin to XXXX me money to cover the cost. This is unfair at least give people until the next day if you all are gon na debit things in the middle of the night.
Twice, again, in one day. A phone call at XXXX XXXX CST and again at XXXX XXXX Just calls, does not leave a message. This happens at least twice a week.
ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.
On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
We are using JP Morgan Chase as our lenders for a home mortgage loan. We have received nothing, but frustration, disappointment and anxiety from Chase team. Despite giving them the required documents and a projected closing date 6 months in advance, Chase has been unsuccessful in processing my file for closing on time. At this stage, we have no indication or tentative timelines as to when we would close. In anticipation of closing, we provided notice to end our lease agreement at our current rental apartment. This means that we are now without a roof over our heads. Where do I take my family? Chase has not given any attention to the vulnerable situation I have been put into, nor have they cared enough to return my phone calls. The XXXX XXXX manager claims that he will " look after us '' and I keep wondering how he would when he ca n't even return my calls. We have escalated our concerns within Chase as best as possible, without any success. The team informs us that they have transferred our file to an expedited status. It has been over a week now. If the expedited process takes this long, I wonder how long would the normal process take. Why should I give my business to Chase mortgage department when they have been nothing short of a reason for stress and anxiety to me and my family. I have no words to describe my disappointment and frustration with Chase over the past 8 months.
Date reported :  XXXX / XXXX / XXXX  Original Creditor Name  COLLECION BUREAU OF AMERICA  Date Assigned  XXXX / XXXX / XXXX  Original Amount Owed {$1100.00} Amount {$1400.00} Status Date  XXXX / XXXX / XXXX  Status UNPAID Balance Date  XXXX / XXXX / XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx  XXXX   Creditor Classification Medical  or Health Care Last Payment Date Date of First Delinquency  XXXX / XXXX / XXXX  I declined the  Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways.     At the time of their service in  XXXX , I was not of sound mind and was forced to proceed.     I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please.     My husband is a  XXXX   XXXX  and  XXXX  and deals with this aspect every day and knows that they had no right to go against mine or his wishes.     I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind.      XXXX   XXXX
Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action
In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.