WillisBack/dataset-financial-user-claim huggingface dataset:
Chase took over my mortgage from another mortgage lender. 

XX/XX/XXXX my home was burglarized and vandalized. 
The burglars did serious damage to my roof to the point that the roof had to be replaced. 
My insurance company sent the roof repair money to XXXX, {$11000.00} onXX/XX/XXXX and {$33000.00} on XX/XX/XXXX for a total of {$44000.00}.

I have been trying most of this year to get Chase to  send me that money so I could get my roof replaced but they continue to refuse my request, saying I haven't sent them all of their required documents! 
Chase told me that I would have to pay for my new roof out of my pocket and when its is done they would send me my insurance money! 
Because of the lack of money, and as the home owner and a licensed XXXX I had to take out the City roofing/building permit myself and I sent a copy of the permit to Chase last XXXX with the information they wanted but Chase ignored my request and continued sending me form letters instead. My roof continued to leak, until I finally was able to install my new roof myself and the City passed it on XXXX, but Chase refused to release my insurance money again, demanding documents that I have already provided and sent to them and demanding documents that do not exist!

Because of Chase ignoring my letters and my request the my insurance repair money, additional water damage was done to my home in the amount of {$8300.00}, which Chase is responsible for, because of their refusal to answer my letters and release my insurance repair money!! 
XXXX, I received a unsigned letter from Chase stating, " We've closed your escrow account '', " We found that you aren't required to have an escrow account for your mortgage loan '', which included a check for {$400.00}, which I was told it was interest on the money that they were holding, ( I have no escrow account on my mortgage loan, only on the insurance repair money that Chase refuses to  release ). Even with the closing of the insurance escrow account, that Chase says that I do not need, Chase still refused to release my insurance repair money!! I wrote another letter to Chase about all of this but they never responded to any of my letters!

Last week I faxed Chase ten more documents that they demanded, but that was not enough, Chase demanded a signed estimate from me, which they already have, and a letter from my insurance company stating that the insurance repair money that Chase is holding is for the roof repairs, which again they already have!!!

Chase has less then a 20 % interest in my home,  what gives them the right to hold 100 % of that insurance repair money in the first place?? 

Chase has a copy of the Roofing/Building permit that was finaled and signed off by the City Building Inspector, so now Chase needs to send me my insurance Roof repair money, and they need to pay the {$8300.00} estimate for water damage that Chase is responsible for, because they refused to send me my insurance Roof repair money so I could stop the water leaks in my Roof!!!
On/aboutXX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of Pendrick Capital partners ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
In correspondence dated  XXXX   XXXX ,    2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX  XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
This is concerning XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( XXXX EX XXXX ) and B of A provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. No phone number given. Letter was sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize this company.
I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.
I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX  status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.
US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.
I submitted a complaint to the CFPB on XX/XX/XXXX against Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX, the resolution was submitted as follows : Company 's Response : " We will close this account '' DESCRIPTION OF NON-MONETARY RELIEF : " We will cease and desisit '' ( sp ) Forest Recovery Services, LLC, is NOT honoring their stated resolution. They have not closed this account, nor have they ceased or desisted. They are calling my telephone and sending me more harassing debt notices. Please see attached files. 

Instead of doing what they stated they would do in response to my complaint, which is cease and desist, close the account, they are actively engaging in complicit behavior with their client, XXXX XXXX, who is running a nationwide fraudulent body broker scheme that targets grieving families who have just lost a loved one. 

I am now forced to include Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX in my complaint to the NY Attorney General about XXXX XXXX an illegal company that has been operating fraudulently in all 50 states and has been legally sanctioned by numerous attorneys general.
Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.
Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX
Franklin American Mortgage Company ( " FAMC '' ) wrote a letter dated XX/XX/2017 that they had assumed my mortgage from XXXX on XX/XX/2017 & notified me that payments should be sent to FAMC, XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. In a letter dated XX/XX/2017, I was notified that payments should be sent to a new address at XXXX. XXXX XXXX, XXXX, NJ XXXX. I later identified the second address belonged to a company dba XXXX. FAMC did not notify me of this company 's name or that they would be servicing the loan. On XX/XX/2017, I contacted XXXX about receiving what appeared to be a phishing attempt from XXXX XXXX XXXX ( " XXXX '' ), XXXX. XXXX XXXX, XXXX, SC XXXX, with a postmark of XX/XX/2017. XXXX claimed I needed to enter personally identifable information ( PII ) into XXXX 's website : " XXXX. '' XXXX also claimed " in the event we do not receive this evidence of Master Insurance coverage, we plan to purchase coverage to protect our interests ... You will be required to pay us for any period during which the insurance we purchase is in force, but you do not have insurance. '' Please be aware that I quoted the prior passage from XXXX 's grammatically plagued XX/XX/XXXX letter. On XX/XX/XXXX I contacted XXXX about the apparent phishing attempt. XXXX claimed that XXXX was legitimate and that XXXX was making a legitimate request. FAMC did not notify me of this second company 's name or that the second company had the authority to charge me for insurance for information they had never requested between XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX I contacted South Carolina 's Secretary of State to identify whether this company existed as a registered business entity in XXXX. XXXX is not a registered business entity. On XX/XX/2017, I sent a QWR via certified mail with return receipt to FAMC Compliance Department - Complaints requesting more information on XXXX and to acknowledge the Master Insurance Policy for my building. On XX/XX/2017, I received a delivery attempt from XXXX. I visited a XXXX location & received my package. FAMC drafted a response on XX/XX/2017 ( that was not received until XX/XX/2017 ) acknowledging receipt of my correspondence. FAMC did not acknowledge that my correspondence was a QWR nor did they acknowledge receipt of the Master Insurance Policy for my building. Finally, FAMC gave themselves at least thirty ( 30 ) days to respond to my QWR. I need FAMC to acknowledge receipt of the enclosures included in my XX/XX/2017 QWR & to ensure that XXXX does not attempt to send invoices to me for information that was not requested until XX/XX/2017. Please let me know if you need additional information. Thank you, XXXX
Beginning XXXX XXXX, I was contacted by a credit company, XXXX in XXXX, Georgia and they stated I owed money for a membership for myself and my son at a gym in XXXX, GA. I contacted the gym in XXXX 2016 and requested my month to month membership be cancelled as I was moving out of the area. I was told that I would have to pay for one more month as they had a 30 day cancellation policy. I agreed to that and my son used the gym one more time in the last month of the membership. I am now being told that 1 year and six months later, my membership is still active but in collections and they want me to pay money today or they will report this to the credit bureaus. They also contacted my son and told him that his credit would be ruined if he did not pay this membership today.
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies Experian. Any question can call XXXX XXXX XXXX at any time. I have more than one year to make the complaint and I never received a response. Case number XXXX Phone XXXX XXXX XXXX
I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.
Back in the late XX/XX/XXXX i had a XXXX credit card. I used it to buy throw pillows. When i got the bill i went to pay it at XXXX and i also cancelled the card. Reason : XXXX is too expensive! I signed a form sayin the bill was paid in full and that i cancelled it. In XXXX 2017 i got a letter from pressler and pressler sayin that they put a judgement on me for a XXXX credit card bill. They said i owed XXXX {$630.00}. And with their fees it came to {$1000.00}. I contacted them and told them i wasnt aware of this and that it was paid off and cancelled a long time ago. I spoke to a XXXX XXXX he asked if i still had the form when i cancelled it. I said no who keeps forms like that from so long ago? And he said since i didnt have proof. That i had to pay. I said nope not paying something i dont owe. And he proceeded to tell me they would harass me til my death. That i would be arrested if i didnt pay the debt. I have gone on the court website screen shotted everything and when i went back to it a few days ago half of what was on the site was gone. So the info has changed. The last time something was entered was XXXX XXXX2017 execution postcard was sent. I do n't have a clue what that is but it never came. Ive put a security lock on my credit report so they cant access it. Ive closed out all my bank accounts so they cant take anything. Ive done alot of research on these lawyers and their unethical collection practices. Im still waiting for proof that i owe this debt. They havent sent anything but subpoena questionnaires asking about my assets. Ive gotten 3 so far. One i sent in i didnt put personal info on it. I figured they had all my info why give it again? The last paper i got from them was in XX/XX/XXXX saying i had to reply in 7 days or risk being arrested.
I have an Inquire fro m Comenitycapital/ XXXX   on  XXXX    XXXX ,2016  which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
My name is XXXX XXXX XXXX and in late XX/XX/2013, I was involved in a car accident. The accident was the fault of a XXXX XXXX, who had XXXX me. I was XXXX  after the accident and taken to the nearest hospital, which was XXXX XXXX. 

From my understanding, the driver 's insurance very minimal and at the time I did not have insurance, so the cost of the hospital bills were not able to be fully covered. 

The reason I did not have health insurance at the time was because I was working one job for minimum wage and going to school and could not afford it. 

Months after the accident, I was sent bills from a collection agency called Sequoia Financial Services for XXXX XXXX. The bills were for the amount of approx. {$25000.00} and have been collecting interest, I imagine.
I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!
2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.
I was behind on my loan payments but have brought them up to date. Kia will no longer mail me my bills said something about closing out the account. They still want payment but wo n't send me anything. 
I asked twice for a close out letter so I can refinance with another company. My first request was XX/XX/XXXX they said it would be mailed that day but could take up to 10 days. I called back on XX/XX/XXXX since I did n't receive the letter, confirmed that they had the right mailing address, they did. They told me they sent the letter that day. I asked to send another letter and that was on XX/XX/XXXX, still no letter. Everytime you call Kia you are on hold for at least 40 minutes.