WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX  for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX  and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX  and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX  and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Bank of America, through XXXX, has caused to be sold a zero balance debt as represented in their XXXX, XXXX, XXXX and XXXX XXXX, XXXX letters to me. This sale has caused the XXXX to believe the bank had the right, as a matter of law, to begin foreclosure and to sell the XXXX Deed of Trust. Furthermore, it is unclear if an actual sale transaction took place on or after XXXX XXXX, XXXX. Information as to how the sale of the XXXX Deed of Trust was transacted is currently unavailable to me, but may be had through discovery if and when any related litigation commences. 

The XXXX has trespassed upon my property due to the mistaken belief they have lawfully purchased the property. This I untrue for several reasons to include, but are not limited to, the Trustee 's Sale and subsequent purchase, I any, involved any possible debt that may be associated with the subject Deed of Trust, not necessarily the real property or title thereto, and the purchase of a debt does not automatically entitle the purchaser to collect the debt through the the property or rents received or entitled to from the property. 

In XXXX XXXX I was able to borrow money to purchase real estate to be used a my primary residence without using the subject property as collateral to secure the loan ( a signature loan ). There is no UCC Financing Statement or Assignment of Rents issued or held by Bank of America. These facts are important as it changes the circumstances of any default and sale upon default. This loan is also XXXX HAMP modified which places additional requirements on the loan related to the servicing and handling to include, but are not limited to, the continued issuance of a monthly installment statement with payment coupon, continued payment of all property taxes and insurances made on my behalf with proof thereof, and on going communication between the bank, their representatives, and third party agents, if applicable, and myself. 

It should be noted I have had multiple incidents of trespassing and peeping tom incidents upon my property before and after the Trustee 's Sale of XXXX XXXX, XXXX by folks representing themselves as owners of my home and property with the latest occurring on XXXX XXXX, XXXX. Just to be clear, I consider trespassing to be when one enters onto private property not belonging to them, as a matter of law, without announcing themselves immediately upon entry, or refuses to leave after asked to remove themselves from the property. Both situations have occurred in this instance by those claiming ownership, or acting on behalf of those claiming ownership of my property. It is intolerable and not to be endured, and I should not have to be subjected to this type of carrying on due to the bank 's unwillingness to follow the rules during loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
I was just called XXXX times in the last 10 Min. by the same phone number. i blocked them and the calls just kept coming.
As per the website of Equifax I may have been potentially affected by the security breach they have recently announced. 
This is not a simple issue, it involves ALL my personal information, so I do not believe that " potentially '' affected is a good enough answer. 
As the owners of the system, they should be able to probe and provide an exact answer of the issue and not just place everybody under a " potential danger '' umbrella,.
This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to  correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I  opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern
XXXX   XXXX   Divorce : Ending m arriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -Fall  XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account ''  (   XXXX   XXXX   )  owed is {$4100.00} -Fall  XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with   XXXX  ,  XXXX , and   XXXX    regarding the " Account ''.   XXXX   has deleted it from my report. Provided additional information and details in writing and online to  XXXX   &   XXXX , with no result of deletion from my Credit Report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately. 
All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems. 
I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated. 

In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue. 
You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans. 

Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX/ XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX Busienss Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX. XXXX Removal XX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX XXXX   XXXX not on my personal Credit Account. 


XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX  INQUIRY DATE : XXXX. XXXX  XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB
I have never received any paperwork on this debt by mail. 

The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. 

In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.
THIS IS A SEPARATE ISSUE FROM THE COMPLAINT SUBMITTED LAST WEEK THIS IS NOT A DUPLICATE COMPLAINT Chase is in violation of fair debt collections practices act, acting in bad faith regarding a real estate transaction and CA HBOR At issue is a short sale request that's been submitted and Chase is the 2nd lien holder. The 1st lien holder has approved the short sale and approved all ancillary fees. 2nd lien holders only negotiate the amount that is being paid to them NOT ancillary fees since that does not affect the net they are receiving. These ancillary fees are being paid by 1st lien and have nothing to do with Chase.

Knowing this Chase is illegally demanding the removal a fee approved by 1st lien holder {$5000.00} and a buyer paid fee of {$15000.00}. 

Chase went so far as to demand a contract addendum stating buyer will not pay the fee. This is a violation of a contract negotiation between buyer and 3rd party and is acting in bad faith. It is a violation of debt collections practices act on a fee that is being paid by buyer which has no debt to Chase. It's acting in bad faith because these fees are approved by the senior lien holder and are being paid by senior lien holder and buyer. These are fees they have agreed to and have no bearing on Chase 's input or what they would receive from short sale. 

This egregious, illegal and malicious tactics by Chase must cease and desist immediately. Chase may NOT in anyway interfere with fees that have been approved and are being paid by a buyer and has no effect on Chase 's net.
Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.
I download an app to help me get access to my next check ( avtivehours ) The app inform me that my bank isnt cooperating with keeping my bank balance up to date. This needs to change immediately
I received a gift card for XXXX XXXX for {$150.00}. It is a XXXX XXXX XXXX with US Bank National Association. I activated the card at XXXX and there was {$150.00}. This was XXXX of XXXX. I have made no purchases on this gift card. When I went to check the balance today it says there is a {$0.00} balance. I called customer service and was told the card was used twice in XXXX. I did not use this card and ask how I can file a dispute and was told that although they can tell me when transactions took place, they can not tell me what the amounts were nor what the original amount placed on the card. I did a bit a research and found this website. If there is any way I can possible recoup my gift card it would mean a great deal to me. This was a gift from my children and I do not have a receipt. I ask the customer service person for a transcript or an itemized list of the charges on the gift card and was told they could n't do that.
Last year I applied and obtained a secured MasterCard from Citibank - Acct # XXXX XXXX XXXX XXXX for which I made a security deposit of {$1000.00}. I was dissatisfied with the card from the very beginning and had unbelievable problems even with opening the account ( Citibank swiped an EXTRA {$1000.00} from my bank account and it took over 2 months to get it back, including filing a complaint with the CFTC ). 

About a month and a half ago I closed the account and yet, to date Citibank has not sent me back my {$1000.00} security deposit! They are not paying me interest, nor are they providing any service. My account balance at the time of closing the account was {$0.00} ( XXXX ). 

There is absolutely no justification for Citibank to hold my security deposit and yet, in the multiple phonecalls that I made to the company, I was told that it would take a minimum of 2 months to get my deposit back and some representatives told me that it would not be until next year! This is outrageous and I request CFTC to intervene. Citibank needs to be fined/penalized for these fraudulent practices!
Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?
I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX , Transunion and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in   XX/XX/XXXX  (   XXXX   ), w hich the last payment made was i n XX/XX/XXXX . Second, it is re porting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The  XXXX  I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.   <P/> The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additiona l two yea rs which it legally can not do.
XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.
I initiated a dispute with XXXX and XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Account Control Bureau. Account Control Bureau placed a collection account on my XXXX and XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX and XXXX   responded with a copy of my credit report stating that the account in question was verified by the creditor. Account Control Bureau did not provide any documents or evidence to verify the account, but instead XXXX and XXXX kept the account on my report. I initiated another dispute to XXXX and XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX and XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Account Control Bureau did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Your submission, [ Case number : XXXX ]. I need to make a correction to the addresses that I provided. In my rush, I made to XXXX typos. 

Complaints against : Allied Trustee Services - the correct zip code is XXXX. 
XXXX XXXX XXXX - the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
I have followed up with XXXX additional letters to these companies. They want to argue that their actions have been approved in court. I am requesting an accounting of all of their fees and I feel that I am entitled to this as a consumer, These fees are not in the court documents. I am attaching my last XXXX correspondence with them. 

XXXX XXXX sent Allied Trustee Services on XX/XX/XXXXRE : XXXX XXXX XXXX - XXXXThis is to acknowledge your letter dated XX/XX/XXXX that included a copy of the court order dated XX/XX/XXXX. Unfortunately the public records and your response does not provide answers to my questions that I have a legal right to have as a consumer. Once again, I request that you provide the following : date this debt was referred to your agency the initial amount of the debt referred to your agency itemized list with dates and amounts of interest charges that your agency has charged. 
itemized list with dates and amounts of attorney fees andthe reason for the legal fees that your agency has charged your written credit/collection policy ( Allied Trustee Services ) on interest rates and fees that your agency implements. 

Sent to XXXX XXXX on XXXX XXXX, XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX, CAPlease send me a copy of the lastest invoice for the condo at XXXX XXXX XXXX # XXXX XXXX, CA listing all charges incurred before you forwarded the debt to the attorney and/or collection agency. 
I would like a detailed invoice listing the following : date you referred this debt to the attorney/collection agency debt amount that you referred to the attorney/collection agency an itemized list with dates and amounts of all interest/late charges start date and end date of charges itemized list with dates and amounts of attorney fees and the reason for the legal fee documentation of XXXX XXXX 's agreement noting credit for his payment arrangements your written credit policy on interest rates and fees
My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.
Failure of servicer to follow instructions outlined in BK confirmation hearing on XXXX XXXX, 2013 for property to be deeded back to investor.