WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.
This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt. 

In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property. 

We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement. 

Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect. 

I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.
A formal complaint against BBT Bank XXXX Account for unauthorized hold last month they withheld a non transaction that was cancelled. For more than 22 days even when XXXX XXXX had provided a code to cancel and a receipt was provided. Next, today I use the XXXX XXXX upon check out the {$15.00} incidentally is returned to the account usually the second day. I went to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the BBT granted their refund for {$100.00} on XXXX/XXXX/XXXX but did n't refund my incidentally fee {$15.00} and they told me after 30 days then a released. BBT Bank practice unfair act toward consumer they hurried up and paid the merchant but did n't take the lift off my account. Who would want wait until they feel like release withholding a misuse there banking privilege against consumer. I would nt recommend this company anymore they have XXXX a cheap call center a $ XXXX to offered poor service to there own customer. Who keep there branch open very little customer maybe they will go out of business and bankruptcy. A horrible XXXX XXXX Account center a unfair practice 30 days to release a XXXX refund is ridiculous.
XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.
I applied for a refinance thru my bank Wells Fargo on XX/XX/XXXX with rate lock of XX/XX/XXXX. I informed and provided my loan rep with a copy of separation agreement which showed child support I receive. He failed to inform me they would need 3 years proof of payment ( only been separated since XX/XX/XXXX and that 's when payments began ) At that time I gave a check for appraisal fee. I was told by loan rep XXXX that I would be notified prior to check being cashed which I never was. When I noticed check was cashed I called him several times to ask what was going on and finally received a call 1 week later stating he 'd been out of office and yes they would proceed with appraisal again was not informed of child support issue.. Issues I have with how I feel I was mislead : 1 ) check was cashed without any notification to me 2 ) loan rep changed without any notification to me 3 ) Most importantly I was not notified my child support was not being used as part of income until after appraisal came back less than needed. Had I known they were not using child support income from beginning I would have withdrawn my application prior to appraisal. Then I received a new GFE with increase in loan origination fee. I began calling new rep XXXX to question and she was not sure what happened and why. After several emails she stated she had a meeting to discuss my loan and would get back to me. I finally found out child support initially not used and loan had to be restructured which resulted in increase in origination fee. Since this all went pass the lock rate date this all caused for an extension of rate lock which in turn increased my loan origination fee. I feel I should have been told prior to appraisal their requirements for child support and fact that it was not being used as part of income. I reached out to Wells Fargo escalation team with my issues and emails I received and sent and they feel they did nothing wrong.
Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ct. XXXX
The short sale has been under review for 79 days. The first issue is, despite my third party authorization has been on file and I hav e asked Capitol One at least 15 times to update MY phone number (  XXXX  ) to their system to call me for updates and or document request. Capitol one says they will update the information but never do because they keep calling an invalid number and never inform me with what they need. When I call. customer service keeps asking for completely irrelevant documents such as hazard insurance invoices for OTHER properties, property tax bills for OTHER property, etc. I have been negotiating short sale for six years and I have never had a lender ask for such things that are completely outside the norm of short sale required  documents. The file has been held up and there is no end in sight.
The company is awaiting approval from thw bank for at leas t three week s now to open an account.
Company calls multiple times on multiple numbers. Keeps calling my place of employment asking for my personal phone number. XX/XX/XXXX and XX/XX/XXXX have called several times. Leaves voicemail saying the are trying to do an assest verification and needing to verify place of employment. Also in voicemail says that the process is being expedited and should come within the next 24 to  48 hours and then they leave the number XXXX, failure to call back may result in further terminations being made. Then the guy talks real low about state and federal guide line and then I have been officially been notified. 


XX/XX/XXXX called my place of employment threatening legal action, would not give me any info in regard to why he was calling. Told me he needed to transfer me. I told him he would need to speak with my lawyer if it was a legal matter and I could give my lawyers name. The guy scoffed and said he wasn't getting off the phone just because I supposedly had a lawyer. Would not give me any info. I asked him not to call my place of employment again to contact me via certified mail only. He told me he could call me wherever and whenever his company wants to.
Hunter Warfield claims I owe XXXX to XXXX for an order I did not place or receive. The order in question,XXXX, for an XXXX, was placed on XXXX XXXX using my XXXX. I have no use for XXXX products and would not order this item. It appears someone from my household placed the order using my saved XXXX on the site, I believe XXXX or XXXX payments were made on the item and this was purchased on a payment plan called flex pay. I have not placed an order with XXXX in quite sometime, the last order was returned, a XXXX computer. I would advise the collection agency, Hunter Warfield, that the payments made already for this item should suffice as again this is fraud. In closing, please advise them to stop collection efforts and remove account from credit bureaus
I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out.
I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.
I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.
I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).
Good afternoon XXXX XXXX, My name is XXXX XXXX and my complaint # XXXX. I am emailing you in regards to my complaint that I have submitted to you. It shows that the company sent me settlement letters XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have never received any type of collection settlements or documentation from the reporting consumer as stated. Therefore, the report should be deleted from my credit reports for not being received. I am in the process of trying to buy a home from my family and this collection is really holding me back from doing so for my family. I desperately need help with getting this removed from my report. Please help me to get this resolved. I desperately need help Thank You
To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX
Lender is forcing a {$4000.00} flood policy which is increasing my payment by over $ XXXX/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment.
My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.
Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.
My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor
I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.
I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from. 

XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.