WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ( XXXX ), a company located in XXXX Ohio, provided a service to real estate investors to purchase, renovate and refinance properties where the investor took on the loan and XXXX was compensated based on the appraised value of the home at the time of refinance. XXXX and a local appraiser conspired to provide fraudulent appraisals to increase XXXX earning potential. XXXX, the loan originator, accepted and used one of these fraudulent appraisals in originating this loan my wife and I entered into in XX/XX/XXXX, and we have suffered significant damages as a result. XXXX and the appraiser were criminally charged in this illegal and fraudulent scheme, and both pled guilty to said charges in XX/XX/XXXX. The parties received prison time and probation for this pattern of corrupt activity. 

In XX/XX/XXXX Chase acquired/purchased this loan from XXXX immediately following the closing ( same day ). I submitted a claim with XXXX and after reviewing the details they refunded my loan settlement fees as they did not want to profit from corrupt activity. While this was helpful the majority of the damages on this transaction lies within the additional loan debt assumed and interest paid to Chase over the last 8+ years. 

I asked that Chase review the indictment, corrupt activity and fraudulent appraisal involving the above-referenced loan. Within the appraisal there is a fraudulent renovation invoice from XXXX, which was used to help inflate the appraisal. The original value based on this fraudulent appraisal was {$150000.00}. A retro-appraisal based on the XX/XX/XXXX loan origination date will value the home at approximately {$80000.00}. This is a difference of {$70000.00}. Given the loan amount was set to 75 % LTV based on the fraudulent appraisal this originated a mortgage much higher than it should have been. 

A detailed accounting of our damages associated with this matter currently totals {$76000.00} ( additional debt assumed and interest paid on additional debt based on fraudulent appraisal ) from the XX/XX/XXXX origination date through XX/XX/XXXX. I am seeking full reimbursement for such damages, plus any amounts by which they continue to accrue ( about {$220.00} a month, or the amount of interest we are now paying on the additional loan debt due to the fraudulent appraisal ). 

Chase continues to send us standard form letter responses that they can not and will not do anything about this matter. We even proposed a settlement which allocates all principal and interest payments paid to date toward the original amount borrowed plus a one time payment from us to make Chase whole on the original amount borrowed and they turned us away. This extremely fair proposal would have made Chase whole on the original amount borrowed but they would not profit from a loan that originated from fraud and a pattern of corrupt behavior. They seem to be OK with making a profit from fraudulent activity. 

As a consumer we find this behavior from a global financial institution unacceptable and unfair. 

Your help in this matter would be greatly appreciated. 
Thanks!
An Employment Credit Report was conducted by TransUnion on XXXX/XXXX/15. The report concluded " ADDRESS ALERT : POSSIBLE ADDRESS MISMATCH IDENTIFIED - BY LAW, ACTION IS REQUIRED BY THE EMPLOYER. '' The address they listed on the report was XXXX XXXX XXXX, XXXX, CA XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The XXXX Service and XXXX XXXX XXXX XXXX XXXX ( of which XXXX is a part ) allows for " XXXX '' addresses. Despite multiple attempts to contact TransUnion, I have been unable to get my credit report or talk to an actual human being. I have no idea whether my potential employer will see the Address Alert as something to be concerned about, despite the fact that it is merely TransUnion 's omission of the " XXXX '' part of my correct and legal address. And I have no way of correcting such a trivial error since I can not get in touch with TransUnion. I 'm attaching the complete background report, for your reference.
d & a services are trying to collect amount that is in ch XXXX XXXX original credit XXXX this is 4 time differ collection service.
I purchased a 2014 XXXX XXXX from XXXX XXXX XXXX in XXXX NJ. I originally planned to finance the car but they told me my payments would be almost $ 800/month. They said my payments would be less if I had a co-signer and if I did a lease and chose the purchase option at the end. I did that but my payments are still high at $ XXXX/monthly. I thought this was unusual for a lease but I did n't know any better. I thought with a lease my payments would be about $ 300/month. I also brought my diploma because they offer {$500.00} off for new college graduates. They switched my mother to the primary when she was supposed to be the co-signer and then said I would not be eligible for the {$500.00} credit because I was no longer the primary on the lease. I really need to know what interest rate I was charged because after reading about this settlement I now fear that I was ripped off on this purchase. They also charged me for a lot of things I did n't request like a key replacement fee, gap insurance coverage, excessive mileage coverage, etc. When I complained and requested that the unnecessary items be removed they said ok but it would n't change my lease payments. I was very confused but by then the 3-day grace period had passed and I was stuck with the car and the high payments.
Late XX/XX/2018 I went to check my account and found out that I owned Bank of America {$4000.00} dollars. I was shocked to see that I owe the bank money. So I called the bank to see what was going on. They told me that I owned them {$4000.00}. The bank told the check was counterfeit check. I told the bank I had know ideal that the guy I worked for at the time paid me with a counterfeit check. I bank just told me there sorry but their is noting that they can do about it. They said it s call a good faith check. Telling me I have to have faith that the person or company haves the money in there account. I told they I don't have the money to pay them back. The bank told me I can make payments for XXXX every two weeks started in XX/XX/2018. I told them I can pay them XXXX every to two weeks. So they have closed my account.
I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.
On XXXX XXXX, 2017, I received an email from Wells Fargo stating if I signed up for a VISA Checkout account and made a qualifying purchase of at least {$10.00}, Wells Fargo would credit my checking account {$10.00} within 45 days of XX/XX/XXXX, the last day of the promotion. I even created the VISA Checkout account through the link provided to me in the email. I have called this company numerous times ; however, my calls seem to fall on deaf ears. No representives seem to know about this promotion, and the reps who did know about it did not know how my account would be credited. The final rep I spoke with had me fill out a form that did not seem to go anywhere. This led me to file a complaint with the CFPB, which is utterly ridiculous, for {$10.00} - yes {$10.00}.
I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.
I purchased my home in XX/XX/2012. I have had nothing but hassles since that time. 
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters. 
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees. 
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.
I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on me.
We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help
A company is trying to collection many medical debts which are also listed on my personal credit file. I have requested several times for verification which this company will not furnish a signed authorization allowing medical bills obtain. They just furnish a statement which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements. Years ago many years ago I did have a bunch of medical bills but were taken care of years ago. Is n't there laws on validating a debt a collection agency is trying to attempt to collect? I know that every time you go to the doctors and or hospital they have you sign an authorization form. Please help assist me with these. There are a total of XXXX listed on my credit file.
During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. 

Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. 

Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : XXXX XXXX
Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.
the company name XXXX XXXX XXXX calling themselves the debt collector for my Amex accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named XXXX calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for depression,  anxiety and threat.
Experian provided information to the lender " XXXX XXXX. '' While applying for a credit card. I was denied credit based on " an alert '' in my Experian report. I was not contacted by XXXX XXXX, nor Experian to idenify myself or actually checked. My credit was run, and I was instantly denied without any further actions by XXXX XXXX.
I have a student loan serviced through FedLoan Servicing Credit. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Last year, XXXX XXXX, my wife lost her job. We contacted our mortgage company Ditech about mortgage relief in XXXX XXXX. By XXXX XXXX we were told they had all the documentation needed and it would be a 60 day assessment time to review with the underwriters if we fit into a mortgage relief program. After numerous calls and voicemails I filed a complaint here on the CFPB website on XXXX XXXX XXXX. Later that week we were approved and told to follow the documentation provided by Ditech to enter into a trail phase of 3 months of a relief mortgage rate. The trial period would be three payment one in each month of XXXX XXXX, XXXX XXXX and XXXX XXXX. After that, we were told that they would finish processing the mortgage relief paperwork and finalize the process. It is now XXXX of XXXX, a full year since we entered into the relief program and it is still not resolved after multiple phone calls all we are told is that they will mark our account for it to be reviewed quickly. It is very apparent that they are dragging their feet in hopes that we can not keep making payments and allowing the debt to collect on the account so they can collect a larger fee or we will be forced into foreclosure. Please help us get this resolved.
Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.
I was denied credit. I contacted Experian to get a copy of my credit report. They would not let me access my credit report. I filed a complaint and they said they would mail my credit reporting to me. That was over a month ago. To date, I have still not received my credit report.
Financial Assets Management repeatedly violated my consumer rights by doing the following : I let them know the best time they can call me, NOT between XXXX-XXXX, which means they are legally prohibited from calling me at that time and they continue to do so.

They continue to harass and be abusive over the phone which is against the The Fair Debt Collection Practices Act. They have called at the times they are legally prohibited from calling during three consecutive days in a row, multiple times during those days and have acknowledge that the notes reflect that I have told them that they can not call during those times.

They use unfair and threatening practices such as stating that my employment has scofflaws and because of that I have a moral obligation to pay the debt. However, that policy does not pertain to private student loans. When I explained that to them the response was that they did not care and their only job was to obtain payment and they are not in customer service and they can and will speak that way to me if they want to.

They have also made misleading and false statements that were threatening in nature.

They find humor in getting the individual upset, they speak over them and when you are trying to explain to them that you want to work something out but can't at discuss it at this time ( again, they are calling at times they are legally prohibited from ) they ask inappropriate, condescending rude questions.

Furthermore, when I asked the to cease contacting me the response was, basically, " too bad, we will continue to contact you and obtain payment by any means necessary. ''
after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded
My lease terminated at the end of XXXX and then I purchased the vehicle. During the second week ofXX/XX/XXXX, usbank sent me a billing statement with an amount due of {$490.00}. I was expecting this bill as I knew usbank recently paid the property tax for this vehicle. I attempted to pay this bill via the usbank app and by accessing my account via the bank 's website. However, these efforts both failed because my account was no longer active. I then called usbank twice and spoke with four different reps. The fourth rep, which was from the collections department, stated that I had to mail in my payment and that there was no other way that I could pay. Although this is not a regulatory violation, it is annoying that I have to mail a paper check. I am shocked that a {$440.00} billion asset bank can not accept an electronic payment. For the past three years, I made lease payments via the usbank website or the bank 's app. Lastly, my account is not currently past due as the payment due date is XX/XX/XXXX ; however, it is poor taste for usbank to send me to " early stage collections '' where the rep read me the mini-Miranda disclosure and explained that she was attempting to collect a debt.
To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.