WillisBack/dataset-financial-user-claim huggingface dataset:
THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH XXXX XXXX # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by XXXX XXXX but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to XXXX XXXX and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXXXXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXXXXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX BANK Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX
I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.
I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX
Upon the end of my lease and moving out of XXXX in XX/XX/XXXX, I did not receive a refund, partial refund, or any written correspondence/explanation from the complex management or their management company, XXXX XXXX XXXX within the 30 days after vacating the property as required by law. Therefore, I never had an opportunity to offer any remedies to anything they determined deficient. 

However, on XX/XX/XXXX, I received a letter from United Accounts, a credit collection agency ( see attached ) with regards to their client, XXXX. Based on North Dakota Statue 47-16-07.01 requires a written itemization of and explanation of any portion of a security deposit not paid to the lessee within 30 days of termination of the lease. Based on this, I do not believe XXXX and XXXX XXXX XXXX XXXX XXXX followed the law with regards to security deposit limitations and requirements as I never received any written communications from the apartment management. 

Furthermore, United Accounts reported a " debt '' to the credit bureaus. I mailed a dispute to United Accounts via certified mail on XX/XX/XXXX. Attached is my dispute letter and confirmation of delivery which is within the 30 days of United Accounts original letter. 

Attached is my letter to the North Dakota State Attorney General and the response from their office. 

I continue to receive letters from United Accounts demanding payment in full. ( Attached ) I am requesting that United Accounts remove this from all credit reports immediately and this matter be closed by XXXX, XXXX XXXX XXXX XXXX XXXX, and United Accounts.
In XXXX XXXX, I paid off a title loan company that agreed to remove the debt collectors off my credit report. This title company had put XXXX debt collection agencies on my report for the same car but for different amounts, totaling to a little more than XXXX. I wanted them to sign a paper stating that they report it to the agenies as paid off and stated that they did not want to sign because i am not a lawyer. I called XXXX debt collection agency XX/XX/XXXX and asked why they did n't remove in and she said that she did n't even know I had paid it off and that she will not remove it until she gets paid her part from the title company. I have n't been on top of my report due to XXXX school. However it is hard to get a loan or get a business credit card when I am limited due to a poor credit score for a debt that has been paid for six months ago. I have contacted transunion and they had let it be and I continue to dispute it.
I got a mortgage from XXXX XXXX XXXX on XX/XX/2017 and paid at closing {$1000.00} in interest for XX/XX/2017 through XX/XX/2017. Four days later, on XX/XX/2017 XXXX XXXX XXXX transferred/sold the loan to Wells Fargo ( loan # XXXX ) along with the interest of {$820.00} for XX/XX/2017 through XX/XX/2017. Wells Fargo refuses to acknowledge that this amount XXXX {$820.00} XXXX was received and, accordingly, this amount is not included in the interest amount that is reported on the tax form XXXX. Wells Fargo 's claim of not acknowledging receiving interest is preposterous. I highly doubt that when Wells Fargo loans money it would let anybody else keep the accrued interest, even for a day. I'm attaching my communication with the mortgage originator XXXX XXXX XXXX that clarifies the situation. Another aspect of the problem is since loan processing is highly automated I suspect that I am not the only customer who had his mortgage transferred to Wells Fargo mid month and had the interest reported incorrectly on the XXXX tax form. There should be plenty of customers like me whose XXXX will need to be corrected.
I accidentally did a mobile deposit check and now Im having problems opening a new account for my husband paychecks. Please can you help me with this matter I didnt know it was a fraud check. The amount was XXXX and something
I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.
As of XXXX XX/XX/XXXX, the state of Connecticut mandated Payers ( Banks ) who had business in the state to withhold Ct state tax from Pensions, Annuities or Retirement account distributions of maximal 6.99 %. 
Connecticut residents could tell the Payers ( Banks ) the correct amount of Connecticut income tax to withhold by filling in " Form XXXX '' and sending this to the Payers ( Banks ). 
When I send to my bank what is ALLY BANK the forms for my Required Minimum Distribution ( RMD ) I included also the " Form XXXX '' with my instruction to withhold {$0.00} for state tax withholding. My income is low and the last 2 years I had only to pay a minimum amount of CT state tax. 
Ally bank did totaly ignore to what I had filled in on my " Form XXXX '' and took out 6.99 % from the amount of my RMD. 
It seems very strange that while the state of Connecticut let ALLY Bank thru my " Form XXXX '' not withhold CT state tax, ALLY Bank insist in doing this against my wishes, and in a way ALLY Bank forces me on XX/XX/XXXX, to give the state of Connecticut a loan that I can get back in XX/XX/XXXX after I have filled in my CT State income tax. 
Attached is a file with 3 forms that I send to ALLY Bank to request my RMD from my IRA.
RE : XXXX Loan serviced by Seterus , Inc . 
To Whom It May Concern : I am writing to you about issues that I have with Seterus. I closed on the townhouse property XXXX XXXX 2005. Due to the market at that time, I had more than XXXX % equity in the townhouse at closing. However, I was told that I would have to pay PMI ( private mortgage insurance ) for only 2 years. As you well know the real estate market subsequently crashed. My mortgage became underwater through no fault of mine. 
Since the XXXX 2005 closing, my mortgage was bought and sold several times without my prior approval and/or prior knowledge. I have been paying PMI for 9 years and 9 months. WHY?
The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. 

Tax Lien XX/XX/XXXX Released {$690.00} Public Record Details Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Released Amount {$690.00} Classification Lien Type Tax Lien
In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
Someone from a phone number listed as XXXX called me on back to back days and I answered the second time but they would n't say who they were with she only would say her name, " XXXX XXXX '' and " it 's regarding a personal matter '' but offered no other information. 
They need to be upfront that they are actually a collection agency which she did not do.
A Company named XXXX and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter XXXX to collect a debt for XXXX XXXX Bank -Midland Funding for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency XXXX protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a 2nd letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in Puerto Rico and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named All Clear ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either
due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis
I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.
I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.
I am filing a complaint and request for investigation of the student loan service I was given. I was given falsified information which has led to the student loan service requiring repayment with added interest. 
They provided bad information, illegally cheated me out of my rights of loan forgiveness, and deceived me about my rights. I was in my final 6 months of loan forgiveness due to XXXX when I received information saying my loan balance was XXXX. 

I contacted the ombudsman who told me my loan was showing XXXX balance and the income monitoring period was complete. When I asked for this in writing they said their system would not be updated for 6 weeks. I proceeded to attend 2 days of paid XXXX and 3 days of XXXX. Then after the six weeks I was told no. my monitoring period had not ended, they 'meant ', but did not say, that my loan showed XXXX as a temporary condition. I was deceived, lied to, manipulated so that now they are saying I must repay the entire {$50000.00} loan because my income exceeded the poverty level by those 5 days of work. You would be able to verify the falsified information from the loan service through phone recordings to my cell or home phone XX/XX/2015 to XX/XX/2015. 

Before the call from the ombudsman and Nelnet between XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX on XX/XX/2015. She made certain that my loan monitoring would not include any paycheck dated past XX/XX/2015. Now however, they are requiring the paycheck Dated XX/XX/XXXX. 

In each of these conversations I was given incorrect information which made it impossible for me to follow any guidelines for the discharge program. I am an educated, responsible, law-abiding student. I asked for guidance to meet all requirements foor my XXXX discharge, yet was intentionally given false information that resulted in extra interest accrueing, reduced credit score and a huge debt that was scheduled to be forgiven. 

The servicer should be held accountable. They should forgive the loan and make restitution for the countless hours I have battled on the telephone, sending emails and experiencing XXXX. 

Thank you for investigating this matter.
On or about XX/XX/2018 a dispute was entered to Trans Union credit bureau concerning 2 state tax liens showing on my credit report. 

Under the provisions of their National Consumer Assistance Plan the to tax liens listed below do not show the name, address, and at least the SSN or DOB of the consumer.

Additionally, the National Consumer Assistance Plan mandates removal if the CRA has failed to verify the public record posting within the last 90 days. 

1st : Trans union failed to verify the public record posting within the past 90 days of dispute.

2nd : Posted item does not show correct address or full SSN or date of birth.

3rd : I have not or ever lived at XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX As of this date Trans Union only re verified incorrect information
I sent {$590.00} via MoneyGram to my wife and wife 's bank account in XXXX. Ref # XXXX  last name XXXX. I was told it would be delivered by XX/XX/XXXX. It has not arrived yet. I called customer service because my online account was closed and money gram rep said they could not disclose why. So now I have to drive back to another MoneyGram place to try to send money to my wifes account again. My debit card only allows {$600.00} withdrawals a day. So I have to make 2 trips on separate days to make the MoneyGram transaction. If I could do this online it would safe me alot of trouble as I could send full amount Now I don't even know if the original {$590.00} will make it to my wife 's account. MoneyGram customer service is extremely rude. They will not let me talk to a supervisor. I am so frustrated right now!
The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I completed a driving course to remove this ticket from my record and was informed it would no longer be on my record. 

The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I went to court and they dropped this violation. This violation should not be on my trans union because I was never responsible for this.