WillisBack/dataset-financial-user-claim huggingface dataset:
Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015.
After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )
Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.
I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied
I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
The Underwriter purposely gave me a non-payable and detrimental repayment option in-lieu of a Loan Modification after my XXXX loan completed a Making Home Affordable Loan Modification. Quicken Loans attempted to take the needed savings from the Making Home Affordable Loan Modification for themselves, even though I am already in a repayment plan with Quicken Loans. They offered me to pay them back at {$1500.00} per mo. 

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.
The validity of this account has been disputed directly with the company Navient Solutions LLC, and the 3 Credit Bureaus XXXX, XXXX and XXXX. There is NO CONTRACT related to this account! Please provide any documentation containing my signature that shows that I am under contract for the debt. Being that the account was transferred to another lender, please provide any agreement between the original creditor and new lender or collection company. XXXX  has deleted the account in accordance with the law, however XXXX and XXXX continue to report this account as verified or accurate.
UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
ALLY FINANCIAL finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH XXXX REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.
After the divorce of two of the three owners on the property ( one being unemployed for months and the other unable to financially contribute ), we attempted to sell however was unsuccessful even after lowering under value. In XX/XX/XXXX, I ( the third owner ) began submitting documents for the loan modification process. During this process, I have been through four different " Homeowner Support Specialists '' that all told me different things. I was told by the first representative to submit all paperwork with both my first mortgage and equity line account numbers on them so that the modification can be done at the same time for both. I was also told that if I accept any modified payment plan from XXXX XXXX then that would put a hold on the modification review. I submitted all the repetitive paperwork from XXXX until XX/XX/XXXX. In XX/XX/XXXX, the equity line was charged off due to missing documents. How can it be missing if you received it for both accounts at the same time and the 1st mortgage is in a modified payment plan????? I spoke with the latest " Homeowner Support Specialist '' that told me to contact the " Recovery Department ''. I contacted the " Recovery Department '' who told me that the loan was charged off due to being behind and not submitting documents. They said I had to speak with the new servicer. I spoke to the servicer who told me that I would have to speak to Citibank about why it was charged off and they wouldn't know. They also said that the loan is only with them until XX/XX/XXXX and then they don't know where it will be going. So I contacted Citibank once again and the " Recovery Department '' told me that I had to speak to someone in the Equity Department. I spoke to someone in the Equity Department that told me the same thing. I asked to speak to the Supervisor who said he couldn't help me after it is charged off due to not submitting the paperwork. I asked what paperwork was missing since they got it at the same time as the 1st mortgage. The " Supervisor '' said that he couldn't help me. I have been maintaining the property ALONE since then and am just trying to get a handle on the bills since it was thrown on me all at once. I have wasted countless hours trying to get both loans modified. I have gotten contradictory paperwork in the mail. At some point the modification was " rejected by me '' in the system when it wasn't ( but that was corrected ) I also got paperwork saying that Citibank wasn't the primary lien holder. BOTH ACCOUNTS ARE WITH CITIBANK. If the Equity Line was supposed to be handled separately ... WHY DIDN'T ANY OF THE FOUR HOMEOWNER SUPPORT SPECIALISTS TELL ME?????
I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved?
Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from XXXX student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with XXXX were purchased by XXXX my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from XXXX. The credit bureaus disputed but results came back saying to contact XXXX. I reached out to XXXX via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to XXXX asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX. 
Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
SANTANDER financed me with a predatory loan. I financed {$26000.00} in 2016 for a vehicle. I have paid {$750.00} a month for 3 years ( {$27000.00} ) and the balance I owe to date is {$28000.00}. Nothing I paid has gone to the balance of the loan. Account number XXXX.
I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

XXXX XXXX XXXX
I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine
I reached out to all 3 Bureaus Transunion, XXXX, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at transunion by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
The following are a list of dates that will help outline my struggle with Selene Finance LP.

XX/XX/XXXX filed an insurance claim with my carrier XXXX. Total Claim Check amount is {$21000.00} XX/XX/XXXX - XX/XX/XXXX Completed the claims process with farmers and they send me a check made out to me my wife and XXXX XXXX XXXX who owned my mortgage at the time..

XX/XX/XXXX jumped through all the hoops required for disbursement and XXXX XXXX XXXX sells my loan to Selene Finance. Selene Finance requires me to jump through the same hoops.

XX/XX/XXXX-XX/XX/XXXX XXXX  with Selene Finance tells me they are requesting disbursement. I ask how long and they tell me it could take 10 to 14 business days to hear from corporate 5-7 business days for check processing and 5-7 more business days for the check to reach my mailbox ... ..WHAT?!

XX/XX/XXXX to XX/XX/XXXX I pay out all of my savings which isnt enough to cover the work done to my home and I still owe the contractor a lot more money.

XX/XX/XXXX-XX/XX/XXXX I give them time to get me the money ... guess this was a bad idea ....

XX/XX/XXXX They tell me ... .and I quote ... '' It looks like we have lost the check..Oh wait no we have it, but we cashed it, but we cant give the money to you. '' I asked why and they said we dont know we need to here back from corporate.

XX/XX/XXXX - XX/XX/XXXX I have gotten XXXX to provide proof of payment and Selene Finance says they have the money, but are working on figuring out what happened with an accounting error before they pay me. ( LOL it takes a month for you to figure out an error you made? WHAT?!! ) XX/XX/XXXX I call them today and demand to speak to corporate. They will not let me speak to corporate. They will not pay me. They acquired my loan on XX/XX/2018 and we are about to enter XX/XX/XXXX ... These people are crooks I need help badly..

My agent said he has never seen a Mortgage company do this to an individual. He said I should get a Lawyer or contact the attorney generals office ... I dont know what to do PLEASE HELP List of names of people who claim they are helping me from the " loss draft department '' : XXXX  ( He is the one who is following my case ) XXXX  ( answers calls ) XXXX  ( supervisor ) I know these people are " trying '', but their efforts are clearly not working..
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX  XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file immediately.
I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated. 
Thank you in advance.
In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. 

Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. 

XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.
XXXX XXXX, XXXX, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.
Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...