WillisBack/dataset-financial-user-claim huggingface dataset:
COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear XXXX  FTC Report Number : XXXX  Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX - Account Number # XXXX I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
I had a commercial / business account with TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for almost 10 years. I had a break in at my office in XX/XX/2018 and had to change the account details to avoid fraud. I was not made aware at the time, but this change meant my account was subject to new regulations Today, XX/XX/XXXX, I discovered my account was closed and close to {$12000.00} was " missing ''. I thought it was fraud and went to a local branch. Instead, I was told that I had not filled out a form that was required and so TD bank closed the account. They seemed unsure where my money was! 

The more I dug into this, the more I determined that TD Bank had not acted responsibly and it was their fault. 

The new form that I was required to fill out existed when I opened this account. The new form began XX/XX/2018 and I opened the account XX/XX/2018. They could have asked me to fill out the form the same day, but failed to do so This is per a supervisor named XXXX. XXXX also said the person who opened the account for me left a week after they opened my account and the local branch had a lot of problems because they had not done their job. To which I pointed out that a TD employee failing to do their job had nothing to do with me and I should not be penalized They had FIVE MONTHS to ask me to fill out this form. They could not explain why five months went by without asking me fill out the form but suddenly my account was closed due to it not being filled out? 

They stated that XXXX XXXX had contacted me regarding this form. I let them know the following First, XXXX XXXX had called me on a Tuesday. She did NOT state the nature of the matter, just left a message. I called back, she was " on the other line '' and I asked the person who answered to have her call me back The call was not returned the same day. It was returned on a Friday. XXXX XXXX did not indicate it was an urgent manner. She in fact stated she could mail me the form, but I said she could send it by email. She sent it on a Friday afternoon. 

Having left the office due to a family emergency, I did not receive the email until Monday morning. It was followed by a call from XXXX XXXX. I told her ( 1 ) that I had received it, ( 2 ) that I was dealing with a family situation and was about to get it done and ( 3 ) that as soon as possible I would fill it out By my guesstimation, they closed the account within an hour of that conversation Bank managers at XXXX XXXX have thus far not returned my calls. XXXX tried to walk back what he had told me ; 1. That their employee failed to have me fill out the form when the account was opened 2. That they had not in a timely manner reached out to me to get the form signed and 3. That despite the supposed urgent nature of this form, why XXXX XXXX waited FOUR DAYS to return my call. 

I can not pay my rent, I can not pay my employee, I have no idea where my money is and finally they have the nerve to charge me an overdraft fee when a regularly scheduled item came in
I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.
After receiving the call by a gentleman named XXXX of Roach & Murtha, PC in NY he stated he was an attorney and that he had frozen my accounts with XXXX bank as I was sued and they had won a default judgment. I mentioned to him impossible as I don`t have an account there and never received any documents to go to court. 

A few days goes by he kept calling me and I asked politely to please do not call me and send all information via mail as per law that I would need to check and go to the court and see what happened and why I did not receive anything and was unaware of any debt by the people he represented. 

Meanwhile XXXX kept on calling my work speaking to co workers and telling them about my debt and harassing them as well for more information about me. The company I work for offered their attorney to resolve and even after providing him with the information he kept harassing me and my co-workers and now even family members. 

As I try to vacate the judgement we find out that this case was already brought in another jurisdiction and the plaintiff had won the case with another attorney and this collector managed to get a second lawsuit in another jurisdiction for the same. Even after speaking with attorney and specifically told him that he was representing me in this matter he still calls and harasses me. 

I really need the help as it will cost me my job and he went nuts when I told him he had no case under res judicata and it would be vacated by the attorney. He wont stand losing his commission.
I have paid a mortgage off on my home and the Bank refuses and/or failed to cancel the lien.
On XXXX XXXX 2017, there was a hail storm in Colorado, on this day my car was damaged. It took a substantial amount of time for the insurance company to determine the damage. I was late on payments but never fell more than 2 weeks behind, never hitting the 30 day mark. 

On XXXX XXXX, 2017 my insurance company mailed a check in the amount of {$6400.00}.??, on the same day Wells Fargo removed my XXXX and XXXX payments both for {$340.00}, they submitted to my Gap insurance company and then put the payments back on the account. 

My understanding was the Insurance check was only meant to pay the principal off, not the interest, I could be wrong. 

On XXXX the XXXX I requested that Wells Fargo make an adjustment for the account as myself and my insurance agent had to make numerous calls to get this in motion. Given conflicting information on all phone calls. 

On XXXX the XXXX I spoke with XXXX, she stated that I could make a settlement payment of {$2500.00} and it would reflect on my credit and I would receive a 1099C for the additional. 

On XXXX the XXXX my mother in law called in to make the payment of {$2500.00}, she advised it was through an equity account, they took the payment. 

On XXXX XXXX, I called to verify the funds were received and wanted information on the title. Wells Fargo was unable to provide the information as they stated the amount was not approved, I was transfered from the office of the president to the XXXX back to office of the president. I informed that this matter needed to be resolved by XXXX. 

On XXXX XXXX, XXXX XXXX called, stated that the amount had not been approved because I would be over paying, XXXX still considered a settlement though ) I offered to not take a refund for the {$410.00} and just put that toward the car if it would lower the amount to be paid in full. XXXX hours later the payment was reversed in the account and shows a past due balance again. I called and spoke with XXXX in Wells Fargo Dealer Services ( collections ) she stated there was no manager in collections and that I could talk to the OTP. She stated since the funds were returned I could only make certified funds payment, I advised this was not my problem as we told them in the begining it was a home equity account and they took the payment. I spoke with XXXX in the OTP Case # XXXX she assigned it to XXXX : XXXX My car is up for repo on the XXXX if the payment is not received, I work and will be going out of town for a week.
I received a copy of my credit report and I notice two hard inquiries that I don't believed are mine. XXXXXX/XX/2018 and XXXX XXXXXX/XX/2018please remove these two hard inquiries from my credit report.
I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.
On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.
Our XXXX mortgage was purchased by DiTech Financial. Every payment we made was on time. The HUD government entity XXXX paid off our loan on XXXX XXXX to DiTech. And DiTech told us a refund check for our escrow in the amount of {$640.00} was mailed to us on XXXX XXXX, 2016. As of today 's date we have received nothing. We called DiTech on XXXX/XXXX/16 to make sure the check had indeed been sent out and the customer service rep, XXXX, in XXXX XXXX assured us that the check was sent out on XXXX/XXXX/16, and she verified our address that it was sent to. She said the escrow department was located in XXXX XXXX XXXX. She asked us if we would like her to put a stop payment on the check and have it re-issued. We told her we would be willing to wait one more day, and if it had n't come we would then call back and have a stop payment and re-issue done for us. On XXXX/XXXX/16 there was no check in the mail so we called to have the check cancelled and re-issued. We asked if they would expedite it for us since we are in need of this money and had not planned that this would happen. The person we talked to is XXXX. She said she did not have the power to expedite a payment but she would get us a supervisor. Finally, a person named XXXX answered the phone, Extension XXXX, ID # XXXX, Supervisor. We asked her if she could expedite the check since we were needing it for an upcoming payment and she proceeded to tell us basically that we are SOL. She was not willing to cancel the check and have it reissued without us waiting another 30 days. She would not tell us the bank nor the check # that the supposed check that was supposedly sent to us was issued on. She told us that they did not have an Escrow Dpt. for DiTech Financial, that everything was done through Customer Service. She refused to verify that a check was even sent and said she was unable to do anything to help us. She said that what the XXXX customer service reps. told us was not true, and that they should not have said that to us. We contacted the HUD Government Offices of XXXX and they gave us your name, and said to file a complaint immediately. So, we are doing so. We appreciate any help you can give us, because it is obvious that DiTech does n't care if we receive the check or not. We are attaching a letter that we had received from DiTech, dated XXXX XXXX, 2016, the day they claim our refund check was mailed. We received that letter in XXXX days so had the check been sent that day we certainly would have received it by now, XXXX days later. The letter they sent us was a breakdown of our escrow showing the refund we are to receive. DiTech 's phone # is XXXX. This is all the information we have for you. Our government XXXX Representative 's information is : Administration of Resources and Choices, HUD Certified Housing Counseling Agency, Financial Counselor is XXXX XXXX, Phone # XXXX, XXXX XXXX. Thank you again
An amount of {$560.00} is owned by Nationstar Mortgage. On  XXXX   XXXX   XXXX   XXXX    XXXX   transferred my loan #  XXXX  to Nationstar Mortgage along with same loan terms. What occurred during the month of  XXXX   XXXX   XXXX  was a automatic payment made to   XXXX   by    XXXX   XXXX   XXXX    of  XXXX , along with two other payments made on  XXXX  and  XXXX   XXXX   XXXX . Nationstar claims non-receipt of payment of  XXXX   XXXX   XXXX  but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on  XXXX   XXXX   XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents.   XXXX   XXXX   documentation verified all three payments were made. Nationstar on  XXXX   XXXX   XXXX  in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in  XXXX   XXXX  subsequent to  XXXX   XXXX   XXXX , were two others on  XXXX   XXXX   XXXX  for partial and principal transactions. Transactions made during  XXXX   XXXX  were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.
I am receiving harassing calls from ph XXXX. I believe this is a third party collector. I answer the call once ; on XXXX as an attempt to resolve/address the nature of the calls but the guy on the phone was extremely condescending, aggressive and did not even provided the required mini Miranda. I ended up hanging up on him as we were not getting anywhere.
TransUnion is reporting a bankruptcy as a public record on my credit report. I have a letter from the US Bankruptcy Court, XXXX XXXX XXXX, dated XX/XX/XXXX.
It states that the court does not report the records of this court to any credit reporting agency. As this record would contain personal information such as my social security number, it is not reported.
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the public record of bankruptcy that they are reporting. I provided a copy of the above letter from the US Bankruptcy Court and advised them that they could not have verified the public record as the court does not provide social security numbers.
On XX/XX/XXXX I received a response from TransUnion stating they have completed their investigation and that the public record had been " verified as accurate ''.
I was one of those people who went Bank of America was in legal problems I got my second mortgage wrote off in XXXX. I borrowed XXXX in XXXX and had XXXX mortgages and had an escrow that paid my taxes and my homeowners insurance. I got behind and filed chapter 13, so that i did n't lose my home. I was placed with XXXX and they ended up working with me so I dropped my bankruptcy and we did a loan modification in XXXX. After 2 years of paying on time my loan went back to Bank of America. Bank of America shows a non-interest bearing principal balance of XXXX, making me owe after paying payment for 10 years, XXXX. I have called and called and no one can tell me what this balance is from and how it came to be. Bank of America says it came from XXXX and XXXX says no it was given to them when the loan was put with them from Bank of America. No one can tell me where the XXXX mortgage of XXXX was written off. I have from XXXX XXXX that i filed with my taxes saying it was written off, Now on XX/XX/XXXX i get a letter from Bank of America saying I have no homeowners insurance. I call my homeowners they state they cancelled me in XXXX when they did n't receive my escrow payment. Bank of Ameria says it 's XXXX fault, XXXX says they do not service me any longer I need to get this information from Bank of America. I am now struggling to find insurance, and thank XXXX, nothing happened all last year. I have written contract from my original loan, included in my loan is escrow for taxes and insurance. No one will answer me on either of these really serious problems I, the consumer am having to deal with.
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Green Tree Servicing failed to honor my permanent loan modification when XXXX XXXX XXXX transfer the loan to them. They reported my loan as foreclosed but continued to take all my monthly mortgage payments. Months later they wrote saying they were going to honor my loan but made me go thru the trial period again, at the end they did modify my loan but they increase my interest this change will benefit them by XXXX for the life of the loan.
I 've been calling them for over a week to get information on my application status. They 're customer service department is rude and unprofessional. I had to have my issues taken all the way to the top level of customer service and no real effort to try to keep a dissatisfied customer happy was made. I was highly referred to Citibank by a longtime customer. I have n't asked for any type of monetary compensation for the hours I 've spent on the phone with them, nor am I looking for any. I 've asked for my account to be closed in a timely manner and my deposit to be refunded in a timely manner or my card to be overnighted. They were unwilling to fill either request.