WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.
On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Bank of America.
My claim # XXXX. My issue with Capital One Bank was not resolved an I would like to take Legal action now. Can you help me again???? please email me when you get a chance. Note-I have all my paperwork and people I spoke with written down ....
Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX
The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,
I have had a Bluebird account in perfect standing since XXXX of XXXX. I have always been happy with my Bluebird account. I had never previously called customer service prior to last week when my card was defrauded of {$290.00} total from 6 fraudulent transactions dated from XXXX/XXXX/XXXX of {$64.00}, {$64.00}, {$64.00}, {$44.00}, {$34.00}, {$24.00}. My card was lost or stolen and I reported it immediately as per my terms of service. I have police reports. However, within ten minutes of reporting this to AMEX, I received an email saying that my fraud claim had been denied. 
According to your website customers enjoy benefits ' [ ... ] such as Purchase Protection* and Fraud Protection* when making purchases online or in store with Bluebird. Regarding fraud, it specifically says 'If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases. ' According to the Consumer Financial Protection Bureau, if reported within 2 days of discovering the transactions, I can not be held liable for fraudulent transactions. I reported this lost/stolen immediately after discovering it, well within the time frame and therefore I should not have been held liable. Furthermore, their ten minute decision shows that you did not perform due diligence in investigating this, and therefore have sold a banking product in bad faith are in breach of contract and have disregarded federal and state banking laws. 

I wrote a letter to the CEO and was contacted by their Executive Relations office, but was told that these are n't really bank accounts and that their profit margins on these are slim. I countered that they clearly say customers are protected against fraud and that these accounts are in fact marketed as bank account replacements by AMEX. I have a new account now, but I do not feel a proper investigation was done, and I feel that AMEX is not honouring their terms of service. I would like a fraud refund of {$290.00}.
They closed my account after 6 years of being a customer. I had a few disputes which were mainly this year because they sent me a recycled card and someone else was using but they turned it off before my husband could get his direct deposit. They also charged me humongous fees.
The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.
My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.
I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!
On XXXX XXXX, 2017 and XXXX XXXX, 2017. I had put in a dispute that there is this address that does not belong to me. I have never lived at XXXX XXXX XXXX, XXXX, Louisianna XXXX. It is still on my equifax report. Why has it not been cleared away after 2 tries? The only email that I have received was that you have received my dispute with a number. I hope we can get this resolved, finally. Thank you
In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.
American Honda Finance has reported incorrect information to XXXX, has agreed with me that the information on my credit report is incorrect and has told me on numerous occasions that it would be corrected. To date, it has not been corrected, and it is hurting my credit. 
American Honda Finance has reported that my account was paid in a settlement, and that {$220.00} was written off. Numerous Honda Recovery service agents have verified for me this is incorrect, and that my account should read. Account Paid in Full. Account Closed. 
Also payment history shows a charge off in XXXX 2015. There was absolutely no activity in my account in 2015. Nothing was charged off in 2015. This should be changed to ND for No Data. My account under Account History reads Charged off as of 2015. This is incorrect and should be deleted. There are XXXX False items that need to be deleted/corrected. Thank you for hearing my case. I appreciate your time.
On XX/XX/XXXX I purchased 4 tickets to the XXXX  vs. XXXX game. I paid the seller the agreed amount of {$500.00} via XXXX through my Wells Fargo app. As soon as I sent the money via XXXX the seller came back and said I owed an additional {$100.00}. I immediately contacted my bank to notify them of the fraudulent transaction. They opened a case ( Claim # XXXX ) and assured me they would handle it and I would hear back within 10 business days. This morning I followed up to check on the status and was told my claim was rejected. I find this extremely disheartening especially since I called Wells Fargo within minutes of making the transaction. XXXX must have a record of the sellers bank account and should be able to recoup these funds. It's horrible that these predators are able to take money without any repercussions. It is illegal and should be handled appropriately!
Lender " Ocwen '' took over my loan ( from XXXX ) in 2006. Ocwen never recorded the assignment with the County of XXXX. I discovered this while working with my City 's engineering department on a substantial remodel to my aging home. Permits are pulled, crews are at the ready. We are also required by XXXX, to have the Lender If Record sign off on a required easement for a planned future sidewalk. We received a brief extension of time to accomplish these items. After speaking with XXXX outsourcing, then XXXX, I finally reached the XXXX manager, XXXX, who promised a 48 hour resolution. That was 4 days ago. I have left her 10 messages asking for a call back. Even with her direct number, that department does not accept incoming calls. I 'm facing renewal of the permits, almost {$10000.00}. if this is not resolved soon and I am unsure how to proceed. Please help me get Ocwen to record as the lender of record ( which they should have done in 2006, and sign off on the XXXX easement for the sidewalk. Thank you for any assistance.
A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.
I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.
On or about XXXX 2013, I completed my payments to American Honda Financial ( AMF ) account XXXX. I delivered the car per received instructions to a XXXX dealer located in the city of XXXX XXXX, California. At that time the vehicle was inspected and I was release of all obligations under this contract. A couple of weeks later, the American Honda Financial contacted me requesting information about the whereabouts of the car. I disclosed the information and they were unable to locate the vehicle for days. When the vehicle was finally located, AHF requested a payment of {$5200.00}. Since then I have requested information on why I owe this money, AHF has been unable to provide a detail explanation of the a ledge debt. Per my contract with AHF, I have fulfilled my obligations, now, my credit report has been affected by the unilateral actions of AHF.
Recently I ordered a copy of my credit report and discovered that a collection agency by the name cost to coast financial is reporting a negative account to my credit report in regards to a XXXX XXXX XXXX   company. This is not my account. I have never done business with this company. I tried to resolve the issue with them but they have refused due to a document with my name and a signature that is not mine. They do not have my Social Security Number or my Drivers License as proof that this debt was obtained by me. Anyone could have used my information and signed for it.
After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.
First of a ll I filed a complaint against chase Bank for the  XXXX  family trust I am the trustee of the estate the first complaint was not resolved yet case number  XXXX  Chase bank said that they will contact me that was a week ago.Also I had request the history of the accounts with  XXXX   XXXX  name on accounts so that I can account for all assests both  XXXX  and  XXXX   XXXX  the  XXXX  are both deceased I would like all history statements from  XXXX   XXXX  to close out the estate.they refused to release history statements because my name is not on the accounts but in fact as trustee the accounts belong to me and the  XXXX   family trust
I got a XXXX card in XXXX of 2017. I always pay my card with online banking. My money always went into the correct account until XXXX of this year, when the money went into a canceled account my ex-husband had. I contacted XXXX XXXX  and told them what happen, in XXXX when I fiqured out what happened. They said to contact my bank and have them fax prove that I paid the money so I did. Phone calls were almost daily. I told them that I had had the bank send prove I paid the money and they said it was going to take up to 30 days to get the trtansfer made. Still I got phone calls, ones that were not very nice, and the letters kept coming. Then in late XXXX I get a letter saying I was turned into a collection and my credit score was lowered from XXXX to XXXX. All the while XXXX   XXXX is doing everything they can do to get me to pay it again. Last week when they called me again, they said they needed prove from my bank to be faxed to them. I said I had already done that once but would do it again. Today I called XXXX to see if my money was I there and they said it would be another 30 days.
I traded in a vehicle with the intention of getting {$1500.00} back from the car that was traded in. The sales manager, XXXX XXXX, guaranteed that my funds would be available by Friday XXXX or Monday XXXX " at the absolute latest '', presumabley to deter me from going to a different dealership where I could get the funds same day. I have called multiple times for the past week, and could not get returned phone calls or emails from XXXX or the GM, XXXX XXXX. I filed a corporate complaint as well to no avail. XXXX finally began communicating with me on Wednesday XXXX stating that I could come pick up my check, only to call back later stating the check system was down. Today, he has stated that he is working with an accountant to remedy the issue but at this point, it appears they have no intention of remitting the {$1500.00}, even though I have a " we owe '' from the dealership.
On XX/XX/2016, I received a letter from USAA requesting additional documentation that could confirm my military service to ensure access to USAA 's products. 
( I did not request any services from USAA and I have not been in the service ) I called them on XX/XX/2016 - someone applied for and was granted a debit card ( Account # XXXX ) using my personal information. ( Currently - my credit is frozen in all XXXX credit monitoring services ). USAA agent said they do not do credit checks if someone opens a debit account. This illegal account is now locked. This fraudulent account was applied for and approved online.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX
I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent 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 XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/XXXX
I seen this company on my credit report Diversified Consultants and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.