WillisBack/dataset-financial-user-claim huggingface dataset:
Account/Loan number XXXX Information about the company Indymac Mortgage Services i have filed a case already but since XX/XX/2016 there is still no response to the complain. 
they have given fraudulent paper regarding ownership of the mortgage. how can there be 2 owners? next the mortgage was in a ny trust and the trust laws where violated and broken! never filed correctly! these are also sec violation and also have irs violations. how can they even be selling my mortgage in a trust that has been paid out on by insurance? double dipping? insurance fraud! these are jusrt a few if the issues and they are trying to foreclose. 

next is the fact i received a satisfaction of mortgage from them? not they are not honoring that? i had received letter telling me this would happen but nothing happened till i told their 1st esq about it and showed them the fraud they were complicit in with the sec fraud and ny trust law fraud. 

next they want me to sign modification paper on # that make no sense! fees added for things again are fraudulent. all the reports have not been received by me but charged out to me. they used unlicensed people to do BPO reports. This is a $ 23-25,000.00 fine for each occurrence. i have 100 's of these. also still have not sent me all the report etc ... ..that they are charging me for! how can they want me to pay for this stuff and the accounting which is totally wrong. it is not my fault they take years to do this and cant get info together yet want to keep charging. 

federal fair trade commission says they have 30 days to get back to me? it is XXXX!!!!! not a letter from them about this etc ... except they now will not do a modification. again how can you do a modification if you cant get doc 's and charges together? there is no correct total then how can you even start a modification? again cart before the horse. 

there is just one thing after another here! they have put me out of business with lies and caused so much XXXX i ca n't even go into it. 

all the paper work was attached to the case still open.
On XXXX XXXX, 2015 my then girlfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began showing us rings and at first was very helpful, however when we told him we were unsure about how much I could afford to purchase a ring he started telling us he could check and see how much I could be approved for. He started having me fill out forms and had another employee show my girlfriend other rings. He eventually filled out XXXX for my girlfriend and had her sign the same form. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my girlfriend XXXX XXXX, and I and XXXX for just myself. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening these XXXX accounts. He took advantage of us being first time buyers, he fast talked me about him being in the military and distracted my girlfriend with his other associate, showing her other rings. These open accounts have now dropped my credit score, which I have worked extremely hard to improve over the last few years, and have put a hard hit and an open account on my girlfriends. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. We both received letters notifying us of the same from their customer service department. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and the fact that I am a service member which he talked about extensively, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from all XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file one and submit a formal complaint on Kay 's employee conduct. The joint account number is XXXX and the single account for me is XXXX.
This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.
I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA
On  X/X/17    I called Regions bank  on two seper ate occasions that say to ask if any of the overdraft fees on my account could be waived or reimbursed to my account. As of today my account is $  XXXX . I have a mobile deposit pending for deposit tonight in the amount of {$270.00} but that will still leave me with a negative balance. I called explaining why my account was overdr awn ( my mother passed away ) a nd all the stress of dealing with that and paying funeral fees and other things I was n't paying attention to what was going on with my bank accou nt. I have 4 p ending transactions on my account for tonight ...  XXXX ,  XXXX  Credit Card pymt  XXXX   XXXX   XXXX ,  XXXX  Credit Card payment Express and a {$19.00}  XXXX  purchase that has been pendi ng for four d ifferent days. So far Regions has taken out {$180.00} in overdraft fees with more in sight since  I have 4 more transactions pending. I called today twice and I actually got ONE {$36.00} fee reimbursed to my account. They would n't help me any further. Their response that I had already used a court esy fee waiver within this year ... which is untrue and they could n't do anything else. Can you get Regions to waive any more of the fees? At this point I 'll never have a positive balance. Please help. Thank you.
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures  designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
On XX/XX/2018 I sent a certify letter to the credit bureaus regarding the account on my credit report asking for verfiication, as a result I was sent a letter from Midland Credit and statement for verfication, which is not valid I'm requesting a contract with my signature.
Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.
This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 
I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in XXXX separate mortgages. A " new principle balance '' of {$380000.00} and a " deferred principle balance '' of {$170000.00}. Language in the modification very specifically states that " provided I am not in default under the terms of this agreement and I pay my Note in full ( XXXX ) any time more than 30 calendar days after the modification Effective Date, and ( XXXX ) PRIOR TO THE APPLICATION OF THE ENTIRE DIFFERED PRINCIPAL REDUCTION AMOUNT, I SHALL BE FULLY VESTED IN AND ENTITLED TO THE UNAPPLIED AMOUNT OF THE DEFERRED PRINCIPAL REDUCTION AMOUNT AND THE UNAPPLIED AMOUNT SHALL BE DEDUCTED FROM MY PAY OFF BALANCE. This can be found on page XXXX of the attached document, the last paragraph on the page. Some XXXX wanted to buy the home and the Bank has refused to comply with this part of the agreement signed by the bank and myself. I have retained an attorney and will be pursuing legal action.
Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.
I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
I opened a business charge account with American Express. However, when I closed the business, AmEx converted the debt to personal debt and hammered my credit report.
In XXXX I signed up for a bank account with PNC Bank. My reason for signing up for this account was for the {$300.00} incentive that I would be recieving after completing a few requirements. After signing for my account I called PNC to ensure that I understood the requirements that I needed to meet. During the phone call I was told by the representative that because I work for XXXX I was actually eligible for a {$400.00} incentive and that I only needed {$1000.00} direct deposit instead of {$2000.00}. Once I met the XXXX requirements necessary to recieve my incentive I called back in to PNC and asked them if I comepleted everything that I needed to. The representative that I spoke with let me know that all I needed to do was sign up for the workplace banking and in order for me to do that I needed to go into a PNC branch. I then went into the PNC branch and an advisor sat down with me and signed me up for the workplace banking. I asked him if that was all I needed to do in order to recieve my {$400.00} incentive and he said that I completed the requirements and should recieve my money within 60 days. Sometime around XX/XX/XXXX I called into PNC to discuss my new auto loan with them. While on the phone I asked about when I would recieve my {$400.00} incentive for signing up for the bank account. The representative looked over everything and let me know that I would not be recieving my {$400.00} due to the fact that in order to be eligible for that incentive I needed to recieve an email invite or an invite from a PNC representative for the workplace banking. I let the agent know that I was lead to believe that I would be recieving this money from multiple representatives of PNC and that I do n't understand how I am ineligible all of a sudden. She explained that there was nothing that she could do about the {$400.00}, but that she could sign up for the promotion that would have me recieve a {$300.00} incentive. After that phone call I went in to the PNC branch, again, on XXXX XXXX to see if there was anything that could be done what happened. I spoke with a consultant who told me that there was nothing that could be done about what I was previously told about being eligible to recieve {$400.00}. He then told me that I was not even eligible to recieve the {$300.00} promotion that I was signed up for. The consultant told me that the only incentive I was eligible for was {$200.00}. After discussing my issues and frustrations he just told me that nothing could be done and that this was the best that he could do. A few days I called PNC to ask them when I would be recieving my money and the representative told me that I was not eligible to recieve the {$200.00} or any of the other previous incentives I was signed up for. She said that she needed to contact the PNC branch to further review everything and that I should be recieving a call from the assistant manager by the end of the business day. I still have yet to recieve a phone call.
XXXX XXXX XXXX called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I  actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my  balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX XXXX 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is  retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX  XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX-XXXX-XX/XX/14
Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report.
Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.
I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.
After debt was paid and satisfied through Transworld they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( XXXX ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
I made a payment to Wells Fargo for a personal loan that I took out. The check I made the payment with was more then the amount owed including interest. There was any over payment of roughly {$700.00}. When I call the bank regarding the check, I was told that the amount was paid in full to the cent with no over payment. This is a blatant attempt to steal money from their customer. When I requested they refund my money as soon as possible, I was told they would need to investigate this even though I have the receipt showing the amount that was paid as I made the payment at a branch. They should refund the money once the receipt was provided without having to do any investigation taking up to 7 days. We both know what the amount owed is, I have the receipt which shows proof of payment and the over payment. This should be easily resolve and yet they are going to take 7 days. Seem they are eager to steal more money from their consumer and want that 7 day to figure out a way to do that.
They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.
Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.
US Bank ( US Bancorp ) sent checks I ordered to my ex-husband 's house despite the fact that they know my current address and all my mail and my mortgage is for my current address. I have not been able to find out where those checks are. The people at the old address said they sent them back. US Bank fraud department said they were sent to the branch, the branch says they were sent back to the printer and destroyed. The fraud department said I should close down the account and open a new one. However I have all my bills, credit card bills and mortgage on autodebit with that account with the missing checks. If I close it I could get late fees and other penalties the could adversely impact my credit. I also do not have time to reestablish autodebit with XXXX utilities, insurance policies, credit cards, mortgage companies etc.
I have a fraud alert on my credit report with Experian, XXXX, XXXX the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my XXXX. XXXX XXXX XXXX.
I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.