WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to resolve this issue with XXXX  and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is AFNI opened XX/XX/XXXX amount XXXX the company or XXXX  who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
To Whom It May Concern, In approximately XX/XX/XXXX my husband and myself filed bankruptcy. At which time we elected to continue to make payments on our home in XXXX, GA. We continued to make our mortgage payments and rent the home. In the summer of XXXX we proceeded to sell our home to our tenants of many years. The home was not listed at the time, because it was a private sale. Upon submitting the necessary documents we found out there was a second lien on the home from the original line of credit. At this time I contacted the lien holder XXXX   and found out that it had been transferred to Specialized Loan Servicing. I contacted the company and found that even though we had been released from our personal obligation, the loan would have to be paid. With an additional amount of interest of nearly {$10000.00}. After weeks of negotiation we were finally offered a settlement for the principal amount. of {$16000.00}. The short payoff was given to us in writing on XX/XX/XXXX. However, the sell of the home was not finalized because the buyers withdrew 3 days before closing. This of course gave us an inability to pay this settlement. 
After, months of trying to sell the home again, listing it with an agent, we finally went under contract for the sale of the home again. 
Once again, I contacted Specialized Loan Servicing. At which time I again ask for a settlement, however once SLS realized that the house was under contract, I was told by them that they would not negotiate and that we would have to pay the full amount. I was also told that they of course could foreclose ( an intimidation tactic, I'm sure-because they would more then likely end up with nothing ) I spoke with the rep and supervisor, both telling me the same thing. 
On no level of professional business practice should this occur with anyone. 
The only reason they are not willing to negotiate just 7 months later, is because they are now aware of the sell of the home, and can try and get the principal and interest from us. The intimidation and lack of professional business practice makes this unfair to my family and any consumer. 
Again the only difference from the end of XX/XX/XXXX and XX/XX/XXXX is the fact they they were aware of the home sale.
Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX
The company called my children and used abusive language on their voicemail in regards to my account. They threat me on the voicemail and told me I better make myself available to be served when they are in my area. I have not received any phone calls or letters from them about a bill. The account with the original creditor was closed two years ago. I want them to stop contacting my family members and discussing information with them.
This complaint is with discover. I opened the card but most of the charges on it were not made by me. They were made by my sister. I used about XXXX. The rest was not authorized by me. The woman on this case called me about it and this is exactly what I told her. It should not be at XXXX and I should not have a judgment. I didn't have legal council and their attorney practically fed me what to say. XXXX never even showed up. Also I did my block dis cover from my credit reports they have been frozen because of proven fraud starting in XX/XX/XXXX she filed taxes using my social address birth date etc. The irs proved it fraud then 2 breaches 1 in early XX/XX/XXXX fraud alert and freeze. And again in XX/XX/XXXX from the XXXX  breech. So they are all frozen until XX/XX/XXXX. Over 82 inquirie s were made to get bank accounts cellphone service tv providers and credit some went through some didn't. I have the police reports naming her the person mainly doing this to me for years. She definitely did it on my discover card. Just 2 years before the taxes I opened it. She has a lot of unmediated mental problems.
nationwide Recovery services was removed from my XXXX report because i disputed it now they have added XXXX accounts back on my report which were the same ones i disputed.
In  XXXX    XXXX  , my wife and I contracted to have an  XXXX   XXXX   solar system  (  XXXX  solar panels and inverters ) installed on our home through  XXXX  ( dba  XXXX   XXXX   ,   XXXX   ).  We have an invoice showing that we paid in full for the system, which I will attach. A few months ago, we began receiving statements from a company named Service Finance Company , LLC. They did not identify themselves as a debt collector nor relate the amount on their statement to the system we had installed. I thought it was just one of those mail phishing schemes where you send one payment and you 've suddenly signed up for a loan. I was throwing them away. Last week, we began receiving emails from a  XXXX   XXXX  stating that we owed {$7100.00}. We requested they send a contract showing that we owed that amount.  XXXX   XXXX  sen t one of th e statements we had been receiving in the mail ( also attached  ). W e wrote back requesting to see a  XXXX  contract. What we received today was an ALTERED version of our original contract with  XXXX   ( also attached ). It   appears that  XXXX  is no longer in business. Nor can we reach anyone at  XXXX   XXXX ,  XXXX   ( w e left a message, but there has been no answer ). We believe we are being targeted in a fraudulent scheme to bill us for money we do not owe on behalf of a company that is no longer operating. We have submitted a complaint with the Texas Attorney General 's office, but are looking for any help we can get. Thank you very much.
I am a normal individual. Not wealthy, not poor. Simply normal. I saved up a large sum of money XXXX {$400.00} ) to invest in cryptocurrencies. Of course, I chose the most trustworthy service : Coinbase ... Or so it seemed. 
At first, my experience was a dream come true. I invested in bitcoin at {$10000.00} before a meteoric rise, bought a full Litecoin, and purchased about {$60.00} in Ethereum. However, troubles came when I tried to sell my coins as promised by the company. I filled out the ID verification as requested an submitted it. Somehow, though, my account was found to be " restricted '' within an hour. This means that I can not buy, sell, or trade with the account. I ca n't even withdraw the money I invested. 
I put my trust in this company and all they 've done is spite me. My assets are now worth {$600.00}, nearing {$650.00} by the hour. I 've opened tickets, sent messages on their XXXX, and DM'ed on XXXX, but they refuse to actually answer. I pray that you 'll answer my cries for help and resolve this issue. 

For those who are not accustomed to the malpractice associated with this " business : '' DO NOT INVEST HERE. THEY DO N'T CARE FOR THOSE WHO FUND THEM AND CERTAINLY ARE APATHETIC TO OUR PROBLEMS.
American Express is doing 'Bait & Switch ' : They send you a credit card promotional offer and then renege on the promotion.
BACKGROUND : I was sent Amex Gold card offer by American Express for 50k points after {$2000.00} purchase within first 3 months of account opening ( RSVP Code   XXXX   ).
In the past, I had Amex Gold card that I had closed more than a year ago ( last card closed on   XXXX   XXXX   that is why American Express sent in   XXXX   XXXX   a new offer ) American Express promotion letter and subsequent documentation did not say anything about having prior card. Attached is the documentation that American Express sent to me : 1. The promotion letter 2. The letter accompanying the card 3. The booklet showing the promotion.
4. Application screen ALLOWING me to apply.
Nowhere did it state that I am not eligible, since I had the card more than a year ago.
Nevertheless, out of abundance of caution, I checked with American Express customer service and was told that I was ELIGIBLE for the promotion since the account had been closed over a year ago. Based on that assurance, I got the card and fulfilled all the obligations of purchasing more than {$2000.00} within 3 months on  XX/XX/XXXX 
American Express admits to mistake but will still not credit 50k points that I am entitled :   XXXX   XXXX   from Amex Executive offices called on XX/XX/XXXX  & agreed : - That Amex should not be sending invitations when they specifically know I have had the card before and am not eligible - She also agreed, that customer Service should not be giving me wrong information that I am eligible to apply for the promotion, when they know specifically from my RSVP code, that I have had card before.
PNC Mortgage Company withdrew funds from my account on a date prior to the date I agreed to on an online electronic funds transfer form. I received no online confirmation of my choice of payment options. 

When I requested that the funds be restored to my account I have was asked to provide a statement from the bank stating that the transaction was guaranteed. I did so. Funds were not restored to my account. 

When I called to inquire about the issue, since no one from the company contacted me to let me know there was a problem I was told all supervisors were unavailable until the close of business on the next day. 

The problem as I see it is that their online interface is faulty and did not allow me to choose the date I desired, instead reverting to their preferred date. I tried to correct this at the time I noticed the funds were absent from my account and still the selection reverted to their preferred date. A customer service rep had to change the date herself because my attempts did not work. 

I have been given the run around and still no restitution of funds.
credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice.
they are contacting my job and family members threatening me that they would come to my job for a loan that has already been resolved.
I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!
For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
Through a phone conversation today with NationStar ( XXXX/XXXX/2015 ) the representative was helping us with figuring out how to drop our PMI ; in which we met all the criteria ( particularly a perfect pay history ) except the XXXX equity ratio. In looking through our file, the representative brought it to our attention that we have been charged " corporate advances ''. When asked what those charges were for, she stated they were for " property inspections '' since they were unable to reach us. We have no record of them reaching out to us nor did we authorize a property inspection to be charged against our account especially when they should have no reason to believe the property is abandoned since they receive on time payment from us. The original loan is through XXXX XXXX XXXX.
I refinanced a loan with my local lender, XXXX XXXX XXXX XXXX They sent a payoff check written from their bank to the mortgage holder, Cross Country Mortgage. Cross Country Mortgage did not accept the check, because they said they were not certified funds. The payoff was sent XXXX/XXXX/XXXX. A letter was drafted by Cross Country Mortgage on XXXX/XXXX/XXXX advising of the rejection of the payoff. It was sent along with the bank check which I did not receive until XXXX/XXXX/XXXX. Now they want additional interested on the payoff, which neither I nor my new lender believe should be paid. And why did they not call me or my new lender immediately when the received the check. Also, I and a representative from my new lender have called, but Cross Country Mortgage would not let either of us talk to anyone above the supervisor level. 

Also, when I originally applied for this loan the loan originator told me there would be no origination fee, which I specifically asked about. However, when the settlement statement was given to me and we closed the loan, there was an origination fee.
In XX/XX/XXXX, I participated in credit protection with citibank card. After learning what it really was, in XX/XX/XXXX, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in XX/XX/XXXX. A total of 7 additional years of applied fees. The fee is XXXX on every outstanding {$100.00} monthly. The debt is enormous and at the same time, I have lost my job. I spoke to a banking representative who directed me to go this path.
I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''
Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.
I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.
SUMMARY : 1 ) Wells Fargo Auto Finance continues to ignore and report accurate reporting on my credit files at XXXX, XXXX and XXXX. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) Wells Fargo Auto Finance Refuses to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with WFAF to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 ) XX/XX/XXXX, XXXX insurance pays WFAF over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because WFAF informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if WFAF would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) WFAF total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) WFAF total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) WFAF more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have WFAF properly update the information on several occasions 8 ) More calls were placed to other department to Well Fargo Auto Finance about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact WFAF received payment for the vehicle. 

Considering that Wells Fargo has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their XXXX moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at Wells Fargo Auto Finance Total Loss XXXX Wells Fargo Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wells Fargo Auto Finance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX