WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my XXXX work. These physical checks are delivered to my US address, XXXX California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my XXXX bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over XXXX XXXX dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Wells Fargo will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the Hague Convention and thus is not allowed to do international notarization. At the same time, the XXXX XXXX provides notarization services but traveling to and from the XXXX XXXX and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with two witness signatures, in accord with Section XXXX. Please promptly advise and I will have a Power Of Attorney signed with two signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX or contact me directly at XXXX Sincerely Yours , XXXX
I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.
This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. 

In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. 

Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. 
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!
Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.
I have a checking and savings account with Chase and reported my ATM card stolen and someone used oved {$4000.00} at XXXX without using an ATM pin and was successful at getting the cash. The bank stated that my signature matched the signature on the receipts and they took the money from me. I later used the ATM machine at XXXX and when I attempted to use the ATM machine it stated it was not dispensing receipts. I notified the casino cage and was told that my account would not be debited. The ATM machine is owned by a company in XXXX Nevada and I contacted them and was told to file a dispute with my bank. I contacted Chase again and continue to talk with people in foreign countries and continue to get different responses. One senior Representative with chase told me that when you 're dealing with a casino " it 's nearly impossible to get your money back ''. With that being said they should warn customers not to use casino ATM machines. I never took over {$10000.00} from my account at an ATM machine because the machine was not working. I gave a cocktail waitress my ATM card to buy a drink and believe that they used the card to get money from my account. I asked Chase 's fraud department to request receipts from the casino and ATM company so that we could resolve this matter and they are refusing to do so. I was told that they would further investigate the matter and have never received a response. I recently called Chase for an update and was told that it was closed and I 'm not getting my money back. I have an ATM limit so how can someone take that much money from an account? What 's the use of filing a fraud claim if they 're not going to fully investigate it? Chase was able to get copies of signed receipts from the first claim, but on the second claim said the ATM company is not cooperating. How can someone take over {$10000.00} from your account and tell a bank they wo n't provide receipts showing that it was me? There was no ATM pin number used and I know that the transactions do not belong to me. I found documentation online that this same company has done this to several people and nothing is being done about it.
I wrote a letter to Equifax on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 12 XXXX XXXX XXXX ( XXXX ) 08 XXXX XXXX XXXX ( XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.
Costco opened up and authorized Citibank to open a XXXX account in my name. My previous Costco card as from XXXX XXXX. Back in XXXX, I had expressed to XXXX XXXX that I did not want any other XXXX XXXX cards, and specifically inquired about how the account would close. I was told it would automatically close in XXXX of 2016. XXXX of this past year, I again inquired to confirm that the account would close on its own in XXXX of 2016. I again expressed to XXXX XXXX, who was trying to convince me to sign on to another type of XXXX card, that I had no interest. We already had XXXX XXXX XXXX XXXX and XXXX XXXX card. I received a Citibank Visa card last week from XXXX, when I called citi, they stated that all of XXXX XXXX XXXX accounts were turned over to Citi and that we were notified in each statement with leaflets that this change were to take place. 

I never authorized anyone to open an account for me at Citi. I never authorized anyone at Citi to run my credit. I have since tried to call Citi to no avail because of the large demand from Consumers calling Citi regarding their new Costco card. I was told from my first conversation with Citi, that the new account would close on its own after two years of non-use. The people at Citi also proceeded to tell me if I were to close the account it would hurt my credit score. They then proceeded to explain the wonderful benefits of owning their credit card. 

I am absolutely disgusted with how my account was opened without my permission or authorization. I think this credit system of losing points on your credit score because of closing accounts is wrong and insulting. I have always paid my bills on time, and never have been late. I purposely make sure my credits watched and managed closely. To have them open an account without my permission is an invasion of my personal privacy. I would like the account closed, and done so in a manner that DOES NOT REFLECT ON MY CREDIT. I want it closed by them acknowledging to the credit bureau it was opened inadvertently and without my permission or authorization.
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
The latter part of XX/XX/XXXX, we noticed a discrepancy in our BofA account balance. After digging into the account, we discovered several charges had been made using my husbands debit card, at a location 200 miles from where we live. The charges were made in very small increments so went unnoticed by us for some time. 

The following day my husband went into a branch close to his office ; the customer rep ( supposedly ) canceled his old card and issued him a new one. We continued to monitor the account ; the charges continued to occur. We then went into another branch ; the very kind customer rep did indeed cancel his old card as well as put us on the phone with the fraud department so a proper claim could be filed. ( Note : all fraudulent charges see used immediately when his old card was canceled. ) The total amount of erroneous and fraudulent charges were {$170.00} ; they deposited that back into our account the same day as we sat in that branch. 

We received a letter on XX/XX/XXXX, XXXX stating their inquiry had determined the charges were in fact incurred by us, are not fraudulent and they would be deducting the {$170.00} back out of our account ( which they did on XX/XX/XXXX ). 

Since that time, besides those two visits to branches, we have sent a letter ( per their request after our first complaint call ) and, as of today, made SEVEN additional phone calls in an effort to get this resolved. We get nothing but the runaround every time we call. 

An individual who works for another bank and whose opinion we highly regard, strongly encouraged us to post this on social media as all other efforts have failed. 

We seriously detest having to do business in this manner and publicly fight fire with fire. We have simply done everything we possibly can to resolve this in a common courtesy manner ... with zero results. We have also filed a complaint with the FDIC, as of today. 

Bank of America, we are extremely disappointed. This action of yours is highly unscrupulous and unprofessional. We have been a loyal customer for more than 25 years.
I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXXXXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )
XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.
On  XXXX / XXXX /   17 I  received a credit report monitoring update that a collection was place for {$240.00} through Allied Collections with no contact information for this account, no previous attempts to contact me through mail or phone. I call the company at  XXXX . They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX . I spoke to  XXXX  at   XXXX   XXXX   on Monday  XXXX / XXXX /   17.  He informed me the debt was for {$240.00} with   XXXX   XXXX   XXXX   I then informed him I was never contacted by his company, he said a letter was sent out earlier this year, to an address I do not live at In a town I do not live in. I also informed him this company is not even licensed to practice or lend in the state of Michigan. I have been dealing with illegal debt collection from this company before and the CFPB knows this and has deleted this before. I was given an email address of  XXXX  XXXX  XXXX  to dispute the claim. I sent an email immediately demanding that it be removed from my credit report in the next 24 hours. I then came here to file my complain as this company has illegal debt collection practices.     1. Trying to collect a debt with no proof of debt, from a company not even licensed in the state of Michigan to give out loans.
2. Not notifying person ( myself ) that a debt was trying to be collected, allowing me to dispute said debt.
3. Reporting negative on my credit report in behalf of an illegally running company.
4.   Not checking on the company they are doing services with to make sure the debt collection is even legal.
Hello I reviewed my equifax report and have unauthorized 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX XXXX   XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, 4. XXXX XXXXXX/XX/XXXX, 5.XXXX XXXXXX/XX/XXXX,6. XXXX XXXX  XX/XX/XXXX 7. XXXX XX/XX/XXXX ,8. XXXX XXXX XXXXXX/XX/XXXX,9. XXXX XXXX   XX/XX/XXXX 10. XXXX XXXXXX/XX/XXXX11. XXXX XXXX  XX/XX/XXXX, 12.XXXX   XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX,14. XXXX XXXX XX/XX/XXXX15.XXXX XXXXXX/XX/XXXX
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Select Portfolio Serving is in Violation of the FDCPA AND MANY OTHER FEDERAL AND STATE AND LOCAL LAWS THE CFPB HAVE THE DUTY OF INVESTIGATE UNDER S.1383- COSUMER FINANCIAL PROTECTION BUREAU ACCOUNTABILITY ACT OF 2015/ SENATE -BANKING, HOUSING AND URBAN AFFAIRS .SPS HAVE VIOLATION NOT ONLY BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE BUT TRYING TO COLLECT MONEY FROM ME A XXXX US CITIZEN WITH NO LEGAL STANDINGS, IN LAST communication FROM SPS FAIL TO TELL ME THIS IS A ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAIN WILL BE USE FOR THAT PURPOSE SPS HAVE MY CONSENT TO RECORD THE CALL IF THE CFPB OBTAINE THA LAST CALL TO VERIFY MY ALLEGATIONS
Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.
I filed a complain against Chase Mortgage on XX/XX/XXXX. Before I filed the complain I contacted them approximately one week before. I began getting disturbing letter from them. Attached are some of the letters. I feel that they are harrassing me because of the complaint. I have never gotten any letters like this before from Chase Mortgage before. I did not ask them to sell my house I never asked them for a loan. I do not know anything about a short sale. I did not call them in regards to anything remoting pertaining to that. I was called by XXXX XXXX XXXX XX/XX/XXXX the evening of my complaint and she asked me questions about the situation and I responded to them she told me that she will get back with me on XX/XX/XXXX but she did not call me back. I received a call from her XX/XX/XXXX, she told me that she found documentation to show that chase paid off a {$19000.00} credit card loan for me in XX/XX/XXXX. I told her that did not happen and I have never ran up a credit card for that amount of money in my life and that I only have XXXX credit card. She said that I may have forgotten that I did and I may want to pull my credit report because it shows that on my credit report. She told me to call my bank the XXXX XXXX credit union because my credit report shows the pay off. I told her it was impossible and I have never put that much credit on my credit card in my life. She continued to insist that I did it and can not remember I felt that she was forcing me to admit to something that I did not do. I am not sure why she pulled my credit report because I did not give Chase permission or authorize them to do. I asked her to fax a copy of the documentation that she discovered but she refused to do so and told me that she had no way of faxing or e-mail ing this information to me and she would send it in the mail to consumer protection. I am very concerning about this kind of behavior especially having my mortgage loan with Chase. What type of people are they giving access to my information? She kept asking me if I had documentation for the loan and I kept telling her no otherwise I would not have called them. This harassment must stop.
stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.
Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )