WillisBack/dataset-financial-user-claim huggingface dataset:
Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
In XX/XX/XXXX we started the process of purchasing a short sale HUD home from Chase Bank at XXXX XXXX de XXXX, and during this time we learned that the sellers insurance funded money for a new roof to be installed for the amount of {$7600.00}. XXXX XXXX and XXXX was the third party assisting with the purchase and process of the roof funds for the roof installation. 
Attach is in the correspondence between the seller, Chase Bank, XXXX XXXX, the XXXX XXXX, and us. 
There are several e-mails going from Chase Bank to XXXX XXXX, for the roofers credentials and other items in the attach e-mails. 
This process continued beyond the close of escrow on XX/XX/XXXX. On XX/XX/XXXX the third party helping us at XXXX XXXX notified us that she was locked out of communication with Chase Bank and Chase Bank no longer would recognize her as a third party in this transaction. We soon found out that the funds for the roof were applied to the prior mortgage of the seller.
I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.
I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.
On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! 
I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX  credit report I see the erroneous billing included in my credit report! 

New collection DIVERSIFIED ADJUSTMENTS XXXX  XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX
XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX ( Amount : XXXX ) ( Equifax ) XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax )
This fake debt collection company sent me a letter on XXXX/XXXX/2017 saying I owed {$200.00} to XXXX for account ending in XXXX. 

I am NOT the owner of the account. I called XXXX multiple times, and they confirmed they NEVER sent my account to collections. I have always paid by XXXX bill on time until I canceled my service. This fake company keeps calling me and harassing me to give personal information and telling me to pay. 

I immediately sent a letter on XXXX/XXXX/2017 demanding they validate their fake and fraudulent debt claims. They keep calling me everyday asking for my personal information. I ask what is this call about, and they say they can not tell me why they are calling.
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. This is an error.
To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.
In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.
I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX
I got behind due to forced insurance, my homeowners insurance was canceled and HSBC placed a policy on property.Another time they paid my tax bill and placed on loan, again this year they supposedly paid property taxes again although i paid them and notified of this.they said they would check into.I doubled my mortgage payment for a year, half was mortgage pmt, other half was to go to arrears as per agreement.they applied to principal.I was very sick this winter, XXXX. I was XXXX.My XXXX, but not as bad.XXXX.I have not been well at all, and have a XXXX.I have not made a payment in 3 months since the co, raised my pmt.from XXXX to XXXX a month.I am on a very limited income,XXXX a month and can not afford XXXX.per month.I want to keep my home and catch up, but can, t do it this way.I need a mortgage modification from HSBC to keep my home.i got a statement yesterday, ihave paid faithfully for 21 years.I was down to XXXX owed, now with not paying for 3 monthsi owe XXXX.Thats XXXX.Heck i only borrowed XXXX, must be some heavy penalty 's and interest.I need some one to explain this to me, how it works.I am warning everybody to stay away from them.When i first bought my home the mortgage was sold to champion who sold to HSBC, Last year pmts.to principal wasXXXX and interest pmts wasXXXX
I made a {$50.00} payment on my capital one bank account on my card ending in XXXX with scheduling confirmation Number : XXXX on XX/XX/XXXX. In making the payment, I put in a XXXX XXXX checking account number. I didn't give it a thought till I got an alert of overdraft fee from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX and upon investigation, I saw capital one took the payment from an checking account number they had on file that is used for my autopay, instead of the account number that I put in. I contacted XXXX XXXX XXXX immediately on XX/XX/XXXX who asked me to request Capital One refund the payment to that account before they can take off the fees. I contacted Capital One immediately I got off the phone with XXXX XXXX XXXX and explained the mobile app issue that led to the situation and offered to give them the right checking account it should have come out from in the first place. However, Capital One is essentially insisting that the mobile app malfunction that made them take the money from an account other than the one I put in is my fault. I spoke with an agent named XXXX with agent ID XXXX and when I felt the agent didn't have sufficient authority to resolve the situation, I asked for a supervisor, and spoke with XXXX who identified herself as a " Supervisor at the account escalation team ''. The reference number for the conversation is XXXX. She elaborated on why I am responsible for Capital One mobile app malfunction to my consternation. 

I do not feel it is right for me to be penalised for capital one mobile app malfunction that is not my fault. I gave them an account number to take a payment from, they did otherwise and want to blame and penalise me.
{$150.00} dollar payment was made on XX/XX/XXXX to Barclays Bank Delaware from XXXX XXXX Checking online bill payment ( to be 24 hours to process ). 

Today on XX/XX/XXXX at XXXX EST Barclays Bank still has no record of this payment, which is due by XX/XX/XXXX. 

Yet XXXX has record of this being paid. I gave this information to Barclays Bank XXXX with a bank transaction ID number, I also have a Trace Number from the proof of payment document that I printed from the XXXX Web Site, but Barclays Bank still ca n't find a pending of completed payment. The {$150.00} has been deducted from my XXXX account and I have the proof of payment document. 

I am also having a balance transfer to XXXX that is completed from XXXX and not showing even as pending with XXXX. This transfer must also show by XX/XX/XXXX. It was for {$10000.00} on XX/XX/XXXX. Currently I have this balance showing at both XXXX XXXX  and Barclays Bank, so I owe twice as much as I really do, right now ....
Rushmore Services persistently contacted my employer 's office after I asked them repeatedly not too. I asked to be contacted by mail if they wish to discuss a matter with me. After some research on my own they were attempting to collect a debt that was paid off. Not only have they harassed me at my place of employment, but they have a debt that has been paid.
First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office. 
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service. 
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift. 
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account. 
I would like to see if I can get all of these fees returned. 
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess  transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally. 
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.
I had my first bankruptcy for a failed business in XX/XX/XXXX-XX/XX/XXXX. My lawyer had me list all creditors including my utilities. I had no issue with paying that, and was never late, I just listed it. I ca n't find the old paperwork for that, but just by looking at the dates gives it away. For XXXX XXXX XXXX way back with my first business, which only lasted 2 years. Just reseach it, I had a medical BK in XXXX but it did n't mention XXXX XXXX  XXXX in that one.
I have been writing and complaining about Rushmore loans for a number of times to no avail. I have tried to contact them directly but every time you call you talk to someone in the XXXX! I have asked to talk to someone in the U.S. They put me on hold and then you just give up after waiting for XXXX minutes. They are a crook of a company. 
I had a loan modification with another crook of a company called XXXX and they sold my loan to them. I was paying for nearly 2 years without delay an amount of XXXX dollars a month. All of a sudden Rushmore changes that to XXXX and if you are late they add another XXXX dollars! 

I said I would pay my own taxes because they claim that this is because of negative escrow. I can pay my taxes on my credit card which I did just a few days ago. They also lied that the reason for this amount is because my taxes doubled. I went to the county and my taxes only went up by XXXX dollars a year so they are lying again. I do not want to pay almost 600 dollars a month extra when I just can't afford it. I did not sign up for the loan modification to pay this amount. 

I have also repeatedly asked them to have a lower, much lower balance. My note in 2006 when I bought the house was for XXXX. After 12 years of making payments to XXXX, XXXX, XXXX and now Rushmore, I still owe according to them XXXX plus late fees. This is bloody highway robbery. I want a reduction on the principal and I want my payment to be the same as before.

Rushmore is doing an illegal business. I do not want them to pay for my taxes.

Additionally, they all lie. I want a resolution to this matter which I have asked a number of times.
Submitted account closure request XXXX, confirmation received, still waiting. 
Account XXXX. 
Tried calling them twice, just put in wait queue.
I have been trying to communicate with Wells Fargo and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my XXXX XXXX XXXX report. I am well aware that XXXX was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my 2nd request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from Wells Fargo maybe XXXX can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. This information that has been reported to XXXX simply does not belong to me and ins 100 % inaccurate. 

I am a XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car XXXX. 

Please do not call and communicate only by way of the CFPB portal or mail only.
XXXX XXXX XXXX / Navient is reporting my student loan account information inaccurately. XXXX XXXX XXXX / Navient is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with Navient several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have Navient send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX  / Navient should be reporting {$0.00} or Forbearance or Deferred.