WillisBack/dataset-financial-user-claim huggingface dataset:
Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.
A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?
I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you
We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.
There is a collection listed for {$180.00} on my credit file, it keeps on changing company 's when I request validation. Please help
I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.
I am disputing this creditor. I was not informed via certified mail of any late payment concerns. I was making current monthly payments, and was not made aware of any payment date changes. When I realized there were late charges on my statement months later, I contacted the company via telephone. I was quite upset, and agreed to pay the total amount if they would remove the late fees since I was not aware of any concerns.. The company willingly removed XXXX of the late fees. I payed the bill in full and cancelled the card.
Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX
****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. EXPERIAN YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST.
1.   XXXX   XXXX   XXXX   XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
2.   XXXX   XXXX   ON  XX/XX/XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3.   XXXX   XXXX    XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 4.   XXXX   ON XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 5.  XXXX  ON  XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.
OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.
We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.
Chase Bank is the servicer of a loan on my property and we are trying to sell the nieghboe an small piece of land XXXX XXXX acres from our XXXX acres XXXX. And they have been completely unresponsive to my repeated phone calls and emails. A person XXXX XXXX, in the land Transactions deptatment ( XXXX ) is supposed to be getting this done for me, however he does not ansewr his phone or email and only after I contact customer service depatment ( after 2 time ) does he respond with more information he needs and then does not follow up. I was supposed to close on this property two months ago and It is completely unreasonable that they are not fullingin g their obligation to service this loan. I have sent the {$800.00} dollars in fees and spent countless hours on this already. I need help with some resolution.
COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.
Account Type : LEASE Account Number : XXXX  My payment due date is on the XX/XX/XXXX of each month. My payment for XX/XX/2018 was not past 30 days late.

My payment was made on XX/XX/2018. Please see attached proof of payment history.

Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter  has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>>>>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened>>>>> XX/XX/XXXX
They constantly put my account in forebearance or deferent instead of telling me about the income driven program. Which I can have enrolled in years ago.
I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.
Midland 's representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.
My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.
I am contacting you today due to the collections from Hunter Warfield IncXXXX that is reporting to my credit report. XX/XX/XXXX, I mailed Hunter Warfield Inc. a debt validation letter to validate the alleged debt. They could not properly validate in the tine given. They sent back a signed contract that is obviously not from the company of Hunter Warfield Inc. The contract states another companies name. Therefore that contract would be cancelled. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, Hunter Warfield Inc. can not act as a substitute for the original creditor. They are a 3rd party collector claiming that I owe them a debt, and by law, that is not true. 

When trying to resolve this matter with one of the representatives of Hunter Warfield, via email. I was asked a very uncomfortable question. The representative replied " Thank you for your response. 
I have reviewed your account including the recent form letters you sent to us. In the letter dated XX/XX/XXXX, you state My attorney before we proceed I need to verify whether you have an attorney representing you in this matter. 
Thank you. '' I am uncertain and appalled as to why this is acceptable. My main purpose is to resolve this as it is weighing heavily on my future as my credit report is being misused. 
I have marked out all personal information for the privacy reasons. I have attached evidence of the debt validation, as well as the certified mail receipt that proves it was sent. I also attached the letter Hunter Warfield provided and the email stated above.
The information is as followed, I C SYSTEM Last reported : XX/XX/2018 {$170.00} Needs Attention Overview You've paid off XXXX % of your collection amount. 
Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX This is not my debt ; and I have absolutely no obligation to this debt.
I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.
On XX/XX/2018, I made an online payment on JCPenney 's storecard for the amount of XXXX XXXX. For some reason, the website was slow to respond and I tried to restart from the very start and try the payment one more time. After refreshing the page, I received a payment confirmation that payment went thru. A day later on XX/XX/2018, I received a note from my bank notifying me that I already have a negative balance. I called JCPenney 's Synchrony Financial the next morning informing them of the mistake and requested that they expedite the refund. They told me to fax my bank statement showing that the amount was actually debited from my account and they will consider the refund. I faxed them the statement that very morning. I followed up 2 days later and they informed me that they just started a case for my request and it will take 2-3 weeks to process the refund. I begged for them to expedite. I contacted them a day later to plead my case one more time and sent them a faxed letter, pleading for them to expedite my case one more time. Still no answer. Still no confirmation or case number was provided. I just dont understand why it will take this long to process a reimbursement, and why there are no security measures on their online payment system to prevent accidents like this.
I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!
TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
USBank froze my Business Edge credit card against my will. USBank did not allege that I violated any terms of service. I complied with all of the bank 's requests. My account had XXXX rewards points, which are equivalent in value to {$470.00}. My access to those funds has been cut off by USBank. These are rewards I earned in prior periods that I now can not redeem. I request a payment of {$470.00} to make me whole.
Bank of America credit card promised in writing triple XXXX miles for credit card charges made from XXXX through XXXX 2015. I made almost {$10000.00} in credit card charges all of which have been paid based upon this promise. Bank of America refuses to honor the agreement even though I have submitted the confirmation email to them. They have wasted my time with circuitous to empty emails, phone calls and chat rooms. I believe they have misrepresented to induce more purchases. Thank you very much
I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.