WillisBack/dataset-financial-user-claim huggingface dataset:
It is with desperation and respect that I again request from you to please review my file. I Have requested and provided financial documents to Chase various times. 
I wrote to you on XX/XX/XXXX and XX/XX/XXXX never received correspondence. I know that you are there for the consumer. I have provide over seven file and appeals to Chase to no success. I have now received from the bank attorney a " notice to occupant of pending acquisition. '' I decided to investigate and found out where I stand with Chase .My loan according to my note and mortgage is an FHA mortgage. I want to make this story short by letting you know that when I called HUd they stated that they could not help for my loan was not insured. All these years I was paying MI on my mortgage payment .Here I s the FHA case number XXXX. This file was originated as an FHA loan. 
I just received another notice that my home has a sale day of XXXX XXXX Please help, help some one is committing fraud in here .It is my understanding that Hud is there to defend the Fair Housing. I am a minority with no recourse. Please understand that this is my primary residence. and roof over my head. 
The reason for my default was due to loss of income for my wife was injured at work.I want to preserve my home please I want to settle this matter and make payments. Give me an opportunity. I am devastated. I could have began to pay my mortgage over a year ago. Chase is not giving me any other alternative than to proceed legally.
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX,XXXX,XXXX,XXXX,XXXX
I have been using Western Union for many years to send money to my daughter and her mother XXXX. As of late the service is horrible, insulting and untruthful. I tried to send to yesterday and they said they had to put it on hold for at least 2 hrs due to her side. They give us the tracking number, take the money and then come back by at least 2hrs later saying they ca n't send the money due to her side. So now they have my money on hold for at the most 3-5 business days. Eventually it gets refunded but it just seems like a scam to somehow hold my money for an extent of time and then return it. It has happened several times the last few days and when I call to ask why they wont tell me. XXXX its her acct and not mine. Western Union just seems very fishy as of late.
CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XX/XX/2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.
After reviewing my credit report noticed an account collection by midland. I contacted the original creditor, XXXX and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with XXXX to no avail. This is damaging to my credit and preventing me from future financing opportunities.
My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time,  SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I  hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.
Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.
I have contacted Chase fraud division every day for a week for unauthorized fraud charges, yet they continue to allow the charges to be paid, then I have to get the vendor to credit my account as Chase has done nothing to stop the charges or refund me. I have given them 5 screen shots of the person who is doing it and Chase still has not done anything to stop this person and the charges continue every day. I want all the fraud charges removed today.
XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XXXX XXXX, XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XXXX XXXX, XXXX. No response from XXXX has been received as of XXXX XXXX, XXXX. A call to creditor on XXXX/XXXX/XXXX acknowledges receipt of letter dated XXXX/XXXX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of first delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with first date of first delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
This loan was originally opened as a Home equity line of credit.  Under the terms of the loan it has now converted to a second mortgage.  I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement.  It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.  This loan appears on the XXXX major credit bureaus as either revolving or credit card debt.  It appears as if my balance is over a credit limit.  This makes me look as i have maxed out all available credit, and in fact am using in excess of XXXX% of available credit.  This drastically impacts my credit scores w the XXXX  major credit bureaus.  I have contacted both the Loan servicer Citibank, and the XXXX major credit bureaus.  Neither will fully assist me in rectifying this, what so ever. This is particularly true of XXXX who militantly lists this as credit card debt.   I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt.  This is drastically and negatively affecting my credit scores.
Mortgage Loan XXXXTo Whom It May Concern : I have submitted settlement offers regarding the above loan to Indymac Mortgage Services five times since XX/XX/XXXX. On XX/XX/XXXX I received a counter offer from Indymac in the amount of {$19000.00}. I agreed to this offer and was in the process of arranging a wire transfer when the account manager, XXXX XXXX stopped returning my calls. I was able to contact XXXX again on XXXX/XXXX/XXXX and was told to resubmit the {$19000.00} offer in writing which I did. I never received a response. 

On XXXX/XXXX/XXXX I received a call from XXXX XXXX informing me that the debt had been discharged and they were now in charge of collection on the account. The account XXXX, XXXX XXXX directed me to submit a settlement offer. I continued to submit documents over an over without a proper response or a settlement conclusion until a call to XXXX XXXX on XXXX/XXXX/XXXX was rerouted to a new collection company called XXXX XXXX XXXX. They informed me that they are now in charge of collection on this account. I resubmitted documents to them several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX, both of XXXX XXXX XXXX informed me by telephone that the offer was denied, but there was a counter offer of {$120000.00}. When I asked them for proof in writing from Indymac they refused to provide it and told me the full balance was now due. 

I never received anything in writing from Indymac or XXXX XXXX Services that they are in charge of my account. I do not know if this is a legitimate company as they will not share their address or domain. In addition they will not share with me the actual denial letters or counter offers that they claim were generated directly from Indymac. I have spoken to several representatives at Indymac who claim that XXXX XXXX XXXX still services the account and that they have the authority to settle the account on behalf of Indymac. Once again I am not able to reach anyone at XXXX as all of their calls are rerouted to XXXX XXXX XXXX. 

I am requesting that Indymac Mortgage Services contact me in writing with the reasons for each settlement denial, the documents used to make the decisions and the full name, address and contact information for the collection company that is charge of my account.
The following ( XXXX ) accounts are listed as " Open - Unknown '' when they should be listed as " Closed under Bankruptcy, Chapter XXXX '' :1. XXXX XXXX2. XXXX XXXX3. XXXX XXXX
I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.
A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling me.
Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year.
On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal.
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On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance.
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On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call.
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This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.
Mortgage broker XXXX XXXX neglected to inform loan applicants I a timely manner about closing cost and process. Loan broker informed loan recipients the night before closing about the how to pay closing cost the night before closing. The accepted form of payment required a wire transfer that required a in person signature at the loan receipents bank in XXXX XXXX XXXX, XXXX. Funds were verified XXXX weeks prior to closing therefore loan broker understood credit union not in XXXX where closing was scheduled to happen. Due to loan brokers incompentence and negligence, we were not able to close or receive any keys to the house. We signed the agreements but never received the paperwork or received any disclosures. We were told we have to have the money wired from that bank funds were verified in and we anticipated moving into our home Friday. Therefore all our belongings and cars and family of XXXX adults, XXXX XXXX and XXXX small kids ages XXXX, and XXXX were left stranded with no regard for our welfare. The loan broker never called back to give other options such as transferring funds to another bank, verifying funds there and then wiring the funds that morning. He expected that for us to travel back to XXXX to sign a document that could 've been completed before our travel to XXXX if the broker would have taken the adequate amount of time to inform his clients properly to be prepared for closing and to have a smooth transition into our new home. Now we have been stranded for over XXXX days and three nights, paying for lodging, food, gas and travel due to the negligence of this broker. This practice of business should not go unrecognized and I 'm sure he has done this to other consumers before. I am seeking monetary compensation for expenses incurred and pain/suffering. My kids have been crying and worried because we are stranded and homeless. This is business practice that is unacceptable and should be sanctioned. I believe he does not deserve commission because he did not complete his services and failed to notify us about closing process in a timely fashion because all of this could have been avoided. I emailed this broker and allies numerous of times in regards of this matter and he finally contacts me the night before about the closing process and the day of about the closing cost.
Ally Bank has been requested to close all accounts opened in my name without authorization. Several disputes for the unauthorized use of my information have been made and to this date the financial institution has refused to act appropriately. I continue to receive calls from representatives regarding new accounts being open and access remains for accounts that have been disputed. Unauthorized activity remains unaddressed and dispute for unauthorized/improper debit remain unresolved. 

XXXX XXXX continue to provide false statements contradicting recorded calls and obscuring resolution process.
RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.
I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.
XXXX, XXXX, experian, has reported a fraudulent account on my credit report