WillisBack/dataset-financial-user-claim huggingface dataset:
I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.
Portfolio Recovery Associates failed to properly validate the debts. The FDCPA states that the debt collector must contact the original creditor to affirm the debt amount being requested is correct. Portfolio Recovery Associates failed to prove it has the legal right to collect money on the accounts in question.
Dear XXXX XXXX, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.
Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.
XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX Estimated ) No results for the dispute. The 3 accounts on there have been removed from XXXX and XXXX. Asked to verify 100 percent accuracy record contains multiple inaccuracies, and terms being correct. And contacted the bureau and do not have my dispute. Dispute number XXXX
I submitted a complaint yesterday and I am unsure if it processed or submitted correctly. The service representative is now calling my family members on the cell phones to verify my personal information. This form of collection can not be legal.
I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected.
I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but regions proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.
I never received any money from a payday loan company that is claiming we received a loan in XXXX of XXXX and made a payment in XXXX XXXX. An arbitration company called me 6 times in the past week ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ) in an attempt to collect this debt. The source of the call was XXXX XXXX XXXX XXXX in XXXX, Arkansas. 

I stated that I suspected the loan was fraudulent, as I had filed for bankruptcy in XXXX XXXX and my bank statements had been subject to intense scrutiny during that time period. The man I spoke to refused to notate that I suspected fraud and instead said I " claimed to have never received a payday loan in my life. '' He told me he would not notate my account because having a bankruptcy would " make this all go away. '' He told me I had 48 hours to contact them with the case number in order to stop debt collection from proceeding. 

I know this because I called back about ten minutes later with the bankruptcy court case # and got a different woman who read aloud to me, verbatim, the notes the man made on the account. She told me that the account had already been closed " for once '' and when I tried to get her to notate the bankruptcy court case " for peace of mind '' she lectured me on the proper way to deal with fraudulent loans and reiterated that " it all went away when the account closed. '' I had to ask several times for her to please put the information on my account before she would do so. 

I have contacted my bank to inform them that they should be on the alert for possible fraudulent transfers, as this company had my former address, where I banked, where I used to work, and my husband 's name. I advised them that I thought the demand was fraudulent both because I never received or sent funds to a payday loan purveyor and because I had a bankruptcy open from XXXX/XXXX/XXXX. 

I have statements from my husband 's account from XXXX XXXX in case you need to verify that we never made a payment. No other bank accounts were active for us at that time.
On XXXX XXXX, XXXX I had a credit card balance of {$9400.00} on my Capital One Credit card. I made my minimum payment of {$250.00} that same day. On XXXX XXXX, XXXX I called Capital One to inquire if they would be willing to accept a settlement, but still keep my account open. They declined and stated the only way to bring my balance to {$0.00} was to pay the full amount due which was now at {$9100.00}. That day I paid my remaining balance in whole which settled my debt with Capital One. A few days ago I received an email letting me know my statement for the month was ready. On a balance of {$0.00} Capital One decided to charge me interest of {$140.00}. Today, XXXX XXXX, XXXX I spoke to a Capital One manager, over the phone, ( XXXX ID # XXXX ). She and the employee ( ID # XXXX ) I spoke with before I was transferred to her refused to wave the interest charged from a {$0.00} balance. They insisted it was interest being charged from the previous balance. The manager I spoke with on XXXX XXXX said as long as I paid the balance of {$9100.00} I would have gotten rid of my debt. Now Capital One is attempting to steal {$140.00} from me after settling my debt with them.
In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.
We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.
I purchased an automobile in or around XXXX 2015 from a dealership. The vehicle had experienced mechanical problems, and so I returned the vehicle and the dealership accepted the return minus their restocking fee. Well, I had told the USAA customer service department about the vehicle being returned. I have also been XXXX and told them that as well. Please assist me in dealing with this matter. On XXXX XXXX, 2015, USAA debited a car payment from a joint account without my authorization.
i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.
I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
XXXX improperly handled my credit score and personal information. It has since been hacked and I am now vulnerable for the rest of my life to identity theft.
We bought XXXX XXXX XXXX XXXX XXXX nm XXXX on a wrap around mortgage land contract, we were told the payments and balances mirror the actual mortgage and payments will be done through escrow ( XXXX XXXX in NM ) and drafted by attorneys ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, reg agent of XXXX XXXX, also both real estate brokers.
At closing the title company does not give accounting of some money around 2700 $ disbursed. Aparently it was given to the buyers not through escrow but to them directly, The companies involved are Nationstar ( HUD mortgage wherein I am named defendent in foreclosure action as owner ) and title company ( XXXX XXXX XXXX XXXX of no defect on title yet it was in default and not disclosed ) and escrow company ( XXXX XXXX ) We are claiming Nationstar artificially brought about a due on sale clause to force a foreclosure.
We were asked by Nationstar ( and I believe they are selling to another mortgage ) that they will let us assume and modify the loan and we sent all the financial documents except fior their last requirement, they wanted us to take title to the property from the mortgagors, XXXX XXXX  and XXXX XXXX, so that they complete the modification, and since they mortgagors who have not paid the mortgage since 2008, took a long time, we finally got the deed and sent them the copies of recorded deeds.
they said that they needed this paper to modify and eliminate the foreclosure action. and in their letter it says also that they needed this so the XXXX ( mortagors ) do not have any redemption rights (? ) Instead of doing the modification, they sent the file to the legal department. And refiled the foreclosure action.
We were recently advised by the courts paralegal division that the mortgage has a due on sale clause and that changing the title to us, was a factor triggering the due on sale clause.
We are perplexed, did Nationstar did this intentionally to make us trip to the due on sale clause? This should strike their remedies on that clause since if their motivation was not the result of the mortgage alternative program in court, but a way to strike out the XXXX 's and extort full cash payment from us being that we are the only party paying on the mortgage through sunwest trust, and that nationstar accepted payments, was that a trick to get all the money that the bank already got from My mother and I comingled into their mortgage loan? Nationstar has been taking mom 's money, XXXX ' did not pay since 2008 They can not foreclose and deny modificaiton to us, they extended that offer to us in court, see court documents and modification letter to us. I am submitting another mortgage modification to them today, they can not go after any due on sale or accelerate a balloon pyament on our Real estate contract, since it was done in bad faith.
The REC mom has with the mortgagors is protected under the safe act since the mortgageors used mom 's money, when the mortgage returned some of it to her to flip more than 3 o4 poroperties a year while they had a REC. there should be no balloon or one that could be created with an artificial due on sale acceleartion in bad faith by the bank.
I have sent IQ Data International, Inc. at least three ( 3 ) Debt Validation letters requesting proof that I owe them any money. I have asked them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.
I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.
Chase bought my mortgage from a bank that went out of business, I became deliquent, cured the deficiency with in the amount of time allowed yet they proceeded with a foreclosure. I tried to obtain a modification to no avail as they sold and resold the servicing every time I was in the middle of trying. At the same time JP Morgan Chase had a law firm they retained proceed with the foreclosure. I repeatedly tried to contact JP Morgan Chase to discuss the mortgage the Judgement they obtained during court proceeding that I had no knowledge were even occurring. Each time I tried to contact JP Morgan Chase they claimed they had no interest in the property. Yet they had the Foreclosure mill law firm they hired proceed with enforcing the judgement they obtained yet claimed to have no interest in. I tried to work with XXXX they never sent me modification information as required by law. JP Morgan then purchased the property back for {$500.00}!!! XXXX claims they enforced the foreclosure sale judgement, if this is the case that was illegal because they were never awarded judgement JP Morgan was and another party cant enforce a judgement they do not own. JP Morgan Chase got paid through insurance for my mortgage since it was listed as an un collectable account. They then sold it and got paid again, now they purchased it for {$500.00} and intend to sell it AGAIN and make more money on the house. I do not see how these banks are allowed to continually break laws along with the foreclosure mill lawyers and they have to answer to no one. If I tried to enforce a judgement that was awarded to someone else a Judge would laugh me out of court and I would probably face fraud charges yet these banks and lawyers are allowed to do it every day. But I suppose when you even have XXXX letting discrepancies that JP Morgan has on their books slide.
Bank of America took my business account overdraft protection off line. Allowed the fines to build up to a point with their trouble and then filled a collections agonist me. I had no idea I owed them money. I am an elder citizen and feel they have unjustly ripped me off. I 've been with them for 25 years and they have cheated me. Some rob you with a gun some with a fountain pen.
I have been a victim of identity theft for over 21 years. I am trying to purchase a 3 in 1 credit monitoring product from equifax consumer services, however my attempts have been unsuccessful due to the fact that my file is being handle by Equifax Office Of Consumer Affairs. This department is not helping me to stop the identity thief from viewing and accessing my credit file online. I do not wish for the office of consumer affairs to no longer handle my credit file at this point an time. There services just do n't work. With me ordering the equifax 3 in 1 credit monitoring product, will allow me to better monitor my credit file as well as lock and unlock the file at anytime, keeping the identity thieves out. Please assist me in handling this request as soon as possible please. 
Thank You, XXXX XXXX