WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX
I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.
CCS FINANCIAL SERVICES , INC has reported an account that I am unaware of. They said they have verified the account but have not provided any actual proof that the account is mine. Without proper documentation - the original signed agreement - the company is required to withdraw their reporting inaccuracy by law. 
I am a litigious citizen and will follow through with my complaint by taking whatever path is deemed necessary. If CCS financial can prove that the debt they are collecting is actually mine, by means of an original signed document, I have no problem making a settlement. 
I believe this account to be fraudulent and without proof ask for all credit blemishes to be removed.
Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.
Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information
I have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.
I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.
Dear Complaint Handling Associate or Department, On XX/XX/XXXX, I provided notice to XXXX XXXX ( " XXXX '' ) that I would be terminating my lease. On XX/XX/XXXX, XXXX ( a XXXX associate ) executed the Notice of Intent to Vacate document as prescribed by the Lease Agreement ( " Agreement '' ) : both documents are attached for reference.

On XX/XX/XXXX, I followed up with XXXX to ensure what was due sinceXX/XX/XXXX was my last day as a tenant. As of my move out date, XXXX provided with my final amount due. Please see the email attached that states I owe {$990.00} to terminate my lease. Additionally, I have a {$200.00} security deposit that will be used to pay the sewer bill. I assumed I would actually be refunded some monies.

I had heard nothing else from XXXX and assumed everything was resolved since I took the tedious effort to ensure all of bills are paid. While back home for XXXX, my father inquired about my financial situation and to my surprise, I learned that XXXX had sent a collection letter, via RentDent, to my father 's address and addressed to my father. My full name is XXXX XXXX XXXX XXXX The letter was addressed XXXX XXXX, which I can assume is what XXXX provided RentDebt. Additionally, the address provided to RentDebt was not an address I provided to a third-party. I provided the XXXX XXXX XXXX, XXXX, GA XXXX address solely to have my mail forwarded from XXXX. I never authorized any third-party having access to my father 's personal address and would certainly not provide consent to do so. Only XXXX was authorized to " forward mail '' to that address.

I being this complaint to you alleging FDCPA - Misrepresentation of Debt claims, FDCPA - Third-Party Disclosure claims, and GLBA - Privacy Notice claims pursuant to the above allegations.

XXXX is owed nothing from me as stated by the associate on my last day of residency ; this is an official dispute. Additionally, I am extremely embarrassed that you shared my financial information and debt issues with my father. Furthermore, XXXX should have never provided you the {$21.00} XXXX  forwarding address : the Notice of Intent to Vacate did not contain the respective disclosures for sharing of that information with RentDebt ( a third-party ).

Additionally, please advise if this matter has been reported to any credit bureaus.

Please advise how you 'd prefer to resolve these issues : I prefer not to entertain legal avenues.

Sincerely, XXXX XXXX XXXX XXXX

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Filed a investigation with trans-union in XXXX 2017. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XX/XX/XXXX, then updated in XX/XX/XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.
We had a Zions First National Bank credit card, opened in XX/XX/XXXX. We made all payments on time, never late. We stopped using the card but kept the card open. 
In XX/XX/XXXX we moved from XXXX to XXXX. 
The card has an annual fee which was always paid on time when billed. Because of the move we did not receive the bill and the issuer added late charges and fees to the annual fee. They never called either me or my husband to let us know we had a balance and to collect, we are both over XXXX and this should have been a factor. 
When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
I 've called Zions bank XXXX times and they request that I send a letter explaining what happened each time. I do n't know what they do with the letters because they should have them in triplicate at this point. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported.
This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt. 
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance. 
Would n't the consumer need notification that the payments start the clock over on charge off debt? 

On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer? 
XXXX
Wells Fargo denied my refinance application saying that I was " too old and too sick ''. They gave me a denial letter saying that I was refused because of credit and too many inquiries, however, in person Wells Fargo told me that the underwriter would not put her name on my loan because I might die and it would come back to her. Multiple times during the application process, I was also questioned repeatedly about if I wanted to apply for a shorter term loan ( less than 30 years ) even after I made it clear that I wanted the lowest monthly payment possible. 

My loan officer had taken my loan application and felt confident that there would be no problems, but then left to go on family leave leaving my loan in the hands of the processing team and branch manager..

The processing team kept asking me for more and more documentation ( which I later found out was unnecessary ) and the whole process took about two months before I was finally denied. The processing manager summarized the reason for my denial by saying that I was " too old and too sick '' in the eyes of the underwriter.

I have made a written request of Wells Fargo to provide me with a " disclosure of the nature of this information '' regarding its credit decision which was supposedly in accord with information provided to Wells Fargo in a XXXX  Credit Report and pulled through XXXX. This request was made in accordance of the Fair Credit Reporting Act and in connection with Wells Fargo 's " Notice of Action Taken and Statement of Reasons ''. 

To date, I have not received this information from Wells Fargo and I am now requesting it again through CFPB in hopes that they will respond. 

Also, Wells Fargo took money from me for an appraisal. They took this money had the appraisal done and then discriminated against me. I want the appraisal fee to be refunded to me immediately. 

Also, I want Wells Fargo to look into its underwriting and lending practices. I want to know why the Wells Fargo underwriter and processing team did this to me when it is against the law. 

To be clear : I applied for a loan with another institution immediately after Wells Fargo denied me and closed on that loan in 19 days. I had was and am a viable borrower/applicant. In fact, I qualified for a higher loan amount and received a conforming A paper mortgage.
On XX/XX/2017 I was making on online Walmart purchase when at checkout I was offered a {$35.00}. refund on any first purchase of {$75.00}. or more if I used the Walmart card. I applied only to get the {$35.00}. off - I do not need a credit card. I was transferred to Synchrony Bank ... who I told that I did not want their Mastercard ... I wanted a Walmart card. He said that I did not qualify and had to get the Synchrony which was the same as a Walmart card. It is not ; it is a Mastercard. Upon completion of the application process he says, your card will be mailed to you. I insisted, no, I need it right now in order to make my first purchase with the card in order to get the {$35.00}. He said, I can not give you the card # ; it must be mailed to you. I insisted again because I thought this was not what the offer online said, but he promised that this was the procedure and when I got the card, I was to use it and then I would get the {$35.00}. off. He was offensive and abrupt and unyielding. I was not pleased with this because we were about to leave on our annual XXXX trip to be gone for some months and quite frankly I was afraid that by the time we returned I would forget to use the card and get my discount. The card arrived in our forwarded mail some weeks later. I went to Walmart with the barcoded special discount that came with the card and welcome package and tried to use it to get the discount. The store said they had never seen this offer before but scanned it into their computer and told me that I would get this discounted off my credit card statement. I did not. I have done everything I can with both Synchrony and Walmart customer service in an effort to get them to honor this discount and they refuse. throughout the process I was never told that there would be a time limit of any kind. This advertisement may still be on the Walmart online shopping checkout. We are Seniors and feel that we have been taken severe advantage of.
I had one student loan with fedloan and it was transferred to the dept. Of edu. This student loan is currently paid in full and closed but these two accounts show late payments that are inaccurate. Especially on the dates of XXXX. 2012 to XXXX 2012. Due to me being enrolled in school and payments were to be deferred until 6 months of my last enrolled date. I 've made numerous attempts to get the late payments updated with this company directly. By phone, fax and mail. Those late payments are really affecting my credit.
I have been struggling with Mr. Cooper Mortgage company for 2 consecutive years. In the year of 2017 I paid the Property tax and home insurance, and sent proof of payment to Mr. Cooper of such payments. They tried to charge me for property taxes and home insurance claiming that i had not payed and that they had to pay for my home 's property taxes and insurance. The issue was not resolved until I submitted a claim with consumer affairs and they where able send Mr. Cooper the proof of payment I had previously sent them in order to stop Mr. Cooper from trying to raise my monthly mortgage payment to pay Mr. Cooper 's Property tax and insurance charge. Beginning in XX/XX/2017, Mr. Cooper has began to charge me for Property Taxes and Insurance. I have Spoken with and sent Mr. Cooper proof of payment for Property taxes and Insurance, in order to avoid there charge added to my monthly payment but I have not had success taking that monthly charge away with the proof that was sent to them. I have reached out to consumer affairs for the second time in order to help me resolve this issue. They have recommended I submit a complaint with the Consumer Finance Bureau. Since they also believe I should not have to go through the same problem again.
I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.
On XXXX, I received a text message from Bank of America ( henceforth BoA ) asking if a few suspicious transactions were legitimate. I immediately responded " NO '' as directed. Immediately afterwards called BoA to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with BoA three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called BoA to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Bank of America act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.
Was charged a late fee on credit bill with due date XX/XX/XXXX, paid on XX/XX/XXXX. According to Credit Card Act if due dates falls on holiday payment maybe made without penalties if received by next business day by XXXX. I have now been assessed late fees and penalties because of this payment, and owe {$67.00}. I believe these fees and penalties are illegal and I don't owe them.
XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30 day late payments from my credit reports.
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted Transunion,  XXXX , and  XXXX  on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.