WillisBack/dataset-financial-user-claim huggingface dataset:
It has come to our attention from external sources that a lawsuit has been filed against XXXX XXXX and XXXX XXXX in the State of New York solely by US Bank, National Association, as Trustee, Successor in Interest to XXXX Bank, National Association, as Trustee for XXXX XXXX Mortgage Trust, XXXX. We have no contractual relationship with US Bank, as Trustee and deny any and all allegations of any amounts US Bank, as Trustee. On XXXX XXXX, XXXX XXXX XXXX XXXX from US Bank Corporate Trust Services wrote us a letter ( Attached ) in response to a Qualified Written Request. The XXXX 's letter stated, " US Bank is merely the trustee for the Trust which owns the mortgage and note. Please note the Trust is the owner of the mortgage and note, not the trustee, or US Bank in its individual capacity. '' On XXXX XXXX, XXXX XXXX XXXX wrote XXXX XXXX a letter ( Attached ) which stated, " we are merely the trustee for the Trust that owns the mortgage and note on this property. The servicer is the party to the Trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the Trust. The trustee has no authority or responsibility to review and or approve or disapprove of these decisions and actions. '' A brochure ( Attached ) was included with the XXXX letter which contained the following language : " US Bank, as trustee, has no control over the initiation or conduct of these foreclosure proceedings ... Trustees play no role in initiating or conducting the foreclosure process, have no role in granting or denying a loan modification, and have little or no information relating to mortgage loan activities including foreclosures. '' Unequivocally, the role of the Trustee is clear and their correspondence states explicitly that US Bank as Trustee " has no discretion or authority in the foreclosure process and does not initiate foreclosure actions. '' Therefore it appears that some unknown and unidentified party ( XXXX ) initiated a foreclosure action as Index # XXXX in the Supreme Court of the State of New York County of XXXX by and through the law firm of XXXX who state they are the attorney for the " Plaintiff '' - US Bank NA, as Trustee etc. A Certificate of Merit ( Attached ) was proffered to the Court signed by XXXX XXXX, XXXX. attesting to a 'reasonable basis for the commencement ' of the action. Clearly there is a disconnect. It is patently obvious that the role of the Plaintiff US Bank, as Trustee, is being misrepresented, as US Bank, as Trustee, has admitted that they have no authority or capacity to begin such a proceeding. Further in a brazen and egregious attempt to mislead the court, the law firm filed a Lost Note Affidavit from a party with no personal knowledge of the particulars of the lost note. A party by the name of XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, states the note was lost eleven and a half years ago on XXXX XXXX, XXXX, 23 days after the alleged Note Date of XXXX XXXX, XXXX. If the note was lost it could not have been endorsed into the Trust as required by law. The Trust is stated to be the owner of the mortgage and note.
I am a 32 year client of CitiGroup. I am disgusted with their discrimination of companies and/or individuals who support the 2nd amendment. This is a consitutionaly guaranteed right and they should NOT be held accountable for other peoples crimes. 

I am equally dismayed at XXXX XXXX XXXX XXXX stance.
I have loans from my XXXX school studies at the University of XXXX from XXXX. These loans at the time totaled $ XXXX. Since then I have made arrangements which I was led to believe by Navient would be the best way to deal with repayment. In light of some recent research and discovery, they acted in an unethical and predatory manner by allowing my loans to continue to increase to $ XXXX with capitalized interest and high interest rates that are unfair and unrealistic. I would have made different arrangements in the days after graduating or went in a different direction had I understood how much my debt was increasing every year. I have repeatedly called for assistance and have only received forebearance or smaller payments terms that did not allow me to pay down my debt but rather allowed more and more interest and penalties to be added and now it is a completely unrealistic amount I can never repay especially not in a 10 year term and have enough money to pay for anything else. I am barely making it now as it is with taxes on a full commission check, healthcare costs, childcare, etc. Apparently I am not alone in this view as many others have the same issues. There is also a lawsuit with the same charges against Navient. I am formally filing this complaint to add my name to the list of those that have been treated unethically and unfairly by this company.
My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.
I pulled my credit report and found that TSC is reporting on my credit report for over {$1300.00}. On all  XXXX  bureaus it is reporting. I sent a debt validation letter on  XXXX / XXXX /17,  XXXX / XXXX /17 and  XXXX / XXXX /17 with no proof or response of the validation. Per the credit bureaus TSC sent an electronic response to all  XXXX  bureaus and never sent me or them proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.
I was on a Discover payment hardship program, which reduced my interest rate to 15 %. 
I was told that if I remove myself from this program, I would be able to get access to 1,000 ( my credit limit for my credit card-my credit card balance. 

I decided to do this and a customer service rep removed me from the program. 
She even told me it would put me on the same terms and conditions as before. Never mentioning that was there no guarantee that I would be able to use the card again. 
She misled me. 
Then once it had been done and asked her how long it would be before I could use my credit card, the truth finally came out.
This is the second time I 've submitted a complaint about my XXXX student loan which I 've been repaying for since 2006. Now that XXXX is closed I 'm still paying for a degree the Federal Government deems worthless. I 've repaid the original amount and just want to know what can be done with the remaining balance.
This complaint is in reference to the XXXX XXXX Account XXXX XXXX reflected on my credit report with Experian. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.
Mortgage was transferred from XXXX XXXX to Specialized Loan Servicing LLC. as of XX/XX/2018 I have not receive the information of where to submit my payment. I called and was not able to speak with anyone. When i call through the automated system they do not recognize my original XXXX XXXX account number. If i send a check to that mortgage company and they do not recognize my account how ca i be sure my payment will go through? this change has been a disturbance to my family. We are uneasy of what is next.
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.
Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.
ACCOUNT : XXXX XXXX I have repeatedly advised this account was opened under my name. I have sent police reports, letters, showing this was identity theft. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
On XX/XX/XXXX I was charged a {$39.00} annual fee for the card. I called and spoke to multiple reps who told me this fee can not be reversed even though I just changed the card to a no fee card. This fee is from XX/XX/XXXX-XX/XX/XXXX confirmed by the capital one reps but they will not reimburse the annual fee even though I will not be using that card
I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.
I have sent 3 dispute letters to both First Source, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
School: XXXX, XXXX AZ
My student loan was apparently transferred from XXXX to XXXX. I have asked UAS for copies of the signed promissory notes for the XXXX loans held by XXXX. If my loans are owned by XXXX and are being serviced by UAS then they should have the original loan information. They should not be allowed to threaten to report a delinquency to the credit reporting agencies if they cannot provide me with this information.
i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too
So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
I contacted trans union about being a victim of their inquiry issue I contacted them about the issue it was n't resolved. I did not receive a 5 day reinsert letter or anything I want these inquiries removed off of my report. 
XXXX-XX/XX/2015, XXXX/XXXX/2015, XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/2015 , XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15
XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
I have objected to their evidence. My proper reason for objecting to material evidence include : Lack of foundation : the evidence lacks testimony as to its authenticity or source. 
Best evidence rule or hearsay evidence : requires that the original source of evidence is required, if available
The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.
i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to XXXX  to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.
Mortgage company is not sending out my statements following a chapter XXXX. Company insists statements were sent out since XXXX. Spoke with XXXX in Bankruptcy Dept. who was extremely rude. Unable to make payments on-line and they are charging me {$15.00} to pay over phone. Been paying over the phone ever since last year and was never charged a fee. XXXX tells me she has no way of seeing if I 've been charged a fee and can only see what I 've paid. If you can see what I 've paid then you can tell if I 've paid a fee. She had no desire to do her job. I have not been receiving my statements and continue to incur late fees as a result.. Contacted them and they say statements are being sent out. The worst mortgage company to deal with. Automated system does not work properly. Employees are rude. Can not get away from this company
Dear Sir/Madam, I keep monitoring my credit score in XXXX XXXX. I noticed a hard inquiry that I don't recognize on the Equifax Report. The inquiry was done by XXXX XXXX  on XXXX XXXX, 2018. I have been trying to keep the low profile and working hard to improve my score, I have no plans on doing anything ( auto loans or any other loans ) that will impact my credit score for few years. It is sad as well as scary that I was trying to save my credit health and this happened all of sudden without my knowledge. I would appreciate any help provided to this. 

Sincerely XXXX XXXX