WillisBack/dataset-financial-user-claim huggingface dataset:
I received an unsolicited XXXX from CpaitalOne few days ago. I called and asked that the card be cancelled. I was informed that I have been the subject of identity theft. IO was told that someone opened a checking account at CapitalOne ( online bank ) using my identity and hence a debit card was issued to me. I was advised to check all my accounts to make sure that there has n't been any un-authorized activity, call and write to the XXXX XXXX rating services and file a police report. I am in process of doing all that. 

Given the recent news about XXXX Bank, I would like the CFPB to investigate that CapitalOne ( online XXXX bank is also not opening up unsolicited bank accounts and issuing unsolicited debit cards. perhaps many if not all the large banks are doing the same but only XXXX got caught.
When I originally got the loan we never signed all of the paperwork. The lady they sent said she would bring back some papers and never did. All of the papers are not signed by me. The loan is now illegal, it is a loan where the payments and interest goes up every year. The payment amounts do not match what is on some of the paperwork that we received. The payments have always been higher than they were ever supposed to be. We have tried for years to get a modification with them and was denied every time. I got forced into bankruptcy many times because of this loan. There are many discrepancies with this loan and the mortgage co will never send us any papers we ask for. I am again in bankruptcy due to this loan. I am XXXX and not in great heath. This company is Wells Fargo. They are already proved to be frauds with all aspects of their company, from all the way back in history with XXXX XXXX. Wells Fargo should be held accountable for what they do to people. They have never tried to help me. I would really appreciate any help you could give me. Thank you for your time
I was approved for a short sale by US Bank. In XX/XX/XXXX, I was told by the relationship manager, XXXX XXXX that the negotiator was not able to contact the realtor since it was non-working number, I forwarded the information, which they had, to XXXX XXXX. Then in XX/XX/XXXX XXXX XXXX  informed me that the case had been closed since the Negotiator was not able to contact the realtor, XXXX XXXX. XXXX XXXX realized that once again, they had the incorrect phone number for XXXX XXXX, despite me supplying the correct number from the onset of the case. XXXX XXXX informed me, " the case would remain closed despite them, dropping the ball, but will give XXXX XXXX time to submit documents. '' ( see attachments ) Since that time there has been communication between the parties. The realtor has complied with her request. However, the negotiator, XXXX XXXX XXXX, has failed to misinform and miscommunicate what documents were needed exactly adn has stated that the documents were not submitted. Therefore the case remains closed and the short sale has been denied.. XXXX XXXX has mismanaged the case at my expense.
PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.
Lendmark financials s XX/XX/2018 unknown inquiring on credit report.
I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.
Back in XX/XX/XXXX, I responded to a solicitation from Fidelity to receive a Fidelity Rewards VISA credit card. I was unable to fill out form online as form would not let me use my full legal name, XXXX. XXXX. I finally completed the application via phone, no problem. I received the card in the XX/XX/XXXX-XX/XX/XXXX period. Using the card was no problem. My first two statements came addressed to me : XXXX. XXXX. The third came addressed to XXXX XXXX XXXX. Now, this was my GIVEN NAME at birth but in XX/XX/XXXX I had it legally changed to XXXX. XXXX, the name I had been using for many years ( Superior Ct. Washington , XX/XX/XXXX, # XXXX ). When I received the statement with " XXXX XXXX XXXX '' a called the customer service number listed on the statement. After explaining my story, the gentleman said that he would try to connect me to their fraud division. The fraud division REFUSED to speak to me! I contacted the Washing State Attorney General and filed a complaint with them. After some correspondence with them I received a letter from ELAN Cardmember Service, Office of the President, XXXX. XXXX XXXX, XXXX, ND, XXXX, telling me that they did a background check on me ( assume SSN ) and that I was XXXX XXXX XXXX. I responded through the AG that the info ELAN had obtained was NOT accurate and I wanted to know from whence the info came so I could correct the source. The answer : " proprietary in nature '' and would not share with me the agency from whom the bad information came. Translated, TOUGH COOKIES! 'We know who you are ' and that 's it! Ironically, I had opened an account in conjunction with this credit card with Fidelity, the institution with which I thought I was dealing, in my full LEGAL name, XXXX. XXXX. I have several other accounts with them, also. Here 's the problem : ELAN ( whoever they are ) arbitrarily changed my legal name to another name without contacting me. They depended on inaccurate, untimely information from an unknown ( to me ) source. Their intransigence, after being contacted by the WA AG 's office shows that they need to  revise their procedures in order tthat this not happen again, to anyone. They, I believe, do NOT have the right to change anyone 's name without direct contact with that person to verify the information. Documents that were submitted through the AG 's office : current U.S. Passport, redacted, Washington state Drivers License, redacted. Copy of certified copy of Court Order of Name Change
Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
Transunion : XXXX XXXX /XXXX XXXX  XXXX XXXX. XXXX : XXXX Transunion : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Our Power of Attorney XXXX ( hereinafter " XXXX '' ) has been contacting COUNTRYWIDE HOME LOANS, INC. d/b/a/ BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX about CWHL shipping a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN dated XXXX XXXX, XXXX. ( see " Attachment '' ). 

Within the Notice, XXXX has highlighted : " Federal law requires that borrowers receive a written notice whenever ownership of a loan secured by their principal dwelling is assigned, sold or transferred ( collectively " transferred '' ) to a new creditor. You are receiving this Notice because your prior creditor transferred your loan ( described below ) to us. '' Page XXXX highlight reads : " 3. Date Your Loan was Transferred to the New Creditor : XXXX XXXX. '' Page XXXX highlight also reads : " 4. New Creditor 's Name : BofA Merrill Lynch Asset Holdings , Inc., New Creditor 's Mailing Address ( not for payments ) : Attention : XXXX, NY XXXX. ( see " Attachment '' ). 

XXXX has been told that the Creditor is not BofA Merrill Lynch Asset Holdings , Inc., that was incorporated in Delaware after any and all merges that may have occurred with Merrill Lynch prior to this entity being incorporated on XXXX XXXX, XXXX ( see " Attachment '' ). On the record to make it clear, yes their were mergers that happened with Merrill Lynch between XXXX to XXXX, but no time from XXXX to XXXX, so BofA Merrill Lynch Asset Holdings , Inc., is its own individual/independent corporation. CWHL is stating that BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) is the new creditor, but XXXX has never received an updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN anytime after XXXX XXXX, XXXX, as CWHL is bounded under Federal law, as it reads in the XXXX XXXX, XXXX " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN, " Federal law requires that borrowers receive a written notice whenever ownership of a loan secured by their principal dwelling is assigned, sold or transferred ( collectively " transferred '' ) to a new creditor. CWHL has not complied with Federal law, as XXXX has never received an updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN anytime from XXXX XXXX, XXXX until XXXX XXXX, XXXX. 

XXXX spoke with XXXX on Monday, XXXX XXXX, XXXX, and was transferred and spoke to MANAGER XXXX at ( XXXX ) XXXX. They both stated and admitted that they could not find an updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' in their DOCUMENT MANAGEMENT PORTAL ( what they call their " DMP '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. 

Also, BANA has never merged with BofA Merrill Lynch Asset Holdings , Inc., and BANA was created by charter by the National Banking Act, that are under the laws of the United States, unlike BofA Merrill Lynch Asset Holdings , Inc., which was incorporated with the Department of State of Delaware on XXXX XXXX, XXXX. CWHL, XXXX and MANAGER XXXX at ( XXXX ) XXXX were being deceitful by attempting to say that BofA Merrill Lynch Asset Holdings , Inc. and BANA merged. Nothing could be further from the truth!!!
I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war.
There are remnants of tax lien ( s ) that have been released still showing on my TransUnion credit report. XXXX did update and remove these ; " As of XX/XX/XXXX, you have no public records on your credit report. '' released liens ( released on XX/XX/XXXX ) but TransUnion has failed to do so as well, after successive requests to them requesting update/removal of these outdated derogatory entries.
I have been trying to have a buyer assume my VA mortgage. It has been almost a year and the process has not been completed. Ive called and emailed dozens of times to see what is going on and nobody will return my calls. What can I do? My buyer is qualified and has over 20 years experience as a mortgage broker and we are both at a loss.
I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.
NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.
I have opened a citi checking and saving acct for this following promotion. 
Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days My checking/saving acct number is XXXX. I have funded this account since opening in XX/XX/XXXX, I have XXXX in checking and XXXX in saving. 
I feel citi has no plan to honor their promotion.I did talk to the Rep when open the acct, and I was assured I will get the bonus, However I didnt. 

This is purely deceptive marketing if citi didnt honor their promise. 

My address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX.
Calls from Capital One : 1. XX/XX/XXXX XXXX Cap XXXX XXXX 2.XX/XX/XXXX XXXX 3.XX/XX/XXXX XXXX 4. XX/XX/XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they called but msgs were deleted ) 5. XX/XX/XXXX XXXX 6.XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX 8. XX/XX/XXXX XXXX  9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXXXXXX 13. XX/XX/XXXX XXXX 14.XX/XX/XXXXXXXX 15. XX/XX/XXXX XXXX 16. XX/XX/XXXX XXXX 17. XX/XX/XXXX XXXX 18. XX/XX/XXXX XXXX 19. XX/XX/XXXX XXXX 20. XX/XX/XXXX XXXX 21. XX/XX/XXXX XXXX 22. XX/XX/XXXX XXXX 23. XX/XX/XXXX XXXX 24. XX/XX/XXXX XXXX