WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my servicer, CitiMortgage, until I paid off my mortgage # XXXX, XXXX # XXXX last summer. I have no idea who actually owned the mortgage. An undated Release of Mortgage by XXXX XXXX XXXX XXXX , XXXX recites that it " does hereby acknowledge that it has received full payment and satisfaction ... and in consideration thereof, does hereby cancel and discharge such Mortgage. '' If CitiMortgage gave my payments to XXXX , XXXX, it misapplied them. XXXX, XXXX does not lend money ; can not hold legal title ; or be a mortgagee under XXXX. law. XXXX. General Laws c. 183, s.65B. I asked Citimortgage repeatedly to return my promissory note. It did not. On XX/XX/XXXX, I sent Citimortgage a Qualified RESPA Request, Notice of Error, & Request for Information for, inter alia, ( 1 ) whatever instrument assertedly authorized " XXXX XXXX, Assistant Secretary '' to execute the purported release of my mortgage on behalf of XXXX XXXX XXXX ; ( 2 ) if my loan was securitized, the complete name of each specific Trust in which it was supposedly securitized ; ( 3 ) the XXXX number for each Trust ; ( 4 ) the Trust 's opening and closing dates ; ( 5 ) the date that my mortgage loan was assertedly sold into the Trust. 
If the Trust 's Pooling and Servicing Agreement or equivalent instrument is not on the public record, provide a certified copy. 
Provide my original, wet-ink promissory note executed in respect of this mortgage, IN ITS CURRENT CONDITION, showing all indorsements or allonges ; Identify the principal ( XXXX ) for whom XXXX XXXX XXXX purported to act as of XX/XX/XXXX and XX/XX/XXXX, with written proof of any authorization for XXXX, XXXX. 
( a ) to act as of those dates for the lender, or the lender 's then-current successor or assignee, with respect to my mortgage, and/or ( b ) to receive my mortgage payments. 
I also asked whether my mortgage was ever assigned, & if so, certified copies of all assignments ; andTo confirm or deny whether my promissory note was ever sold separately from my mortgage. 
And some other things, including the Servicing File. 
Citimortgage received my request on XX/XX/XXXX, per USPS Domestic Return Receipt # XXXX XXXX XXXX XXXX. A XXXX XXXX signed for it. 
I have not received a reply.
I got a rate quote from Integrity and it was pretty good compared to other companies, But through the process they said the market shifted and couldnt honor the rate.. it was the same day and the rate jumped from 3.875 to 4.25? on their site it shows rates but they havent been updated since XX/XX/2017 I have a feeling they do alot of bait and switch XXXX
My account was approved and opened in XXXX 2017, with a credit line of about {$1200.00}. However, without any prior notice, this account was closed in XXXX 2017. I had paid the account out before the payment was due on XXXX XXXX 2017.  The payment was {$43.00} leaving a XXXX ( XXXX ) balance. I received a letter in XXXX XXXX, 2017, stating " We want to inform you that we are closing your Kohl 's credit card account issued by Capital One, National Association. The reason ( s ) for our decision is as follows : " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I have no idea what this means. I had a Capital One account that I used wisely and on purchases such as medical bills, clothing, etc. Absolutely nothing that was inconsistent with anyone 's expectation. <P/>However, I have filed several complaints regarding Capital One and its ' faulty customer service. I agreed to close this account with Capital One after receiving compensations for errors made. <P/>This appears to be retaliation as my credit is excellent and all my purchases were purchases that anyone would make. The challenge was the poor customer service with Capital One. <P/>I have not received a statement from Kohl 's or the amount that I over paid on the account prior to the company closing the account without my knowledge or my permission.
I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.
On XXXX XXXX I had unsufficient funds to cover a check which resulted in an overdraft charge. I am on a fixed income and only get a pension check due to being retired. I was unable to pay the overdraft charge because of not having any funds to do so. After a certain number of days they started charging me a {$7.00} Continuous OD charge. At the present time my account is XXXX. On XXXX XXXX I went to PNC Bank and talked with a XXXX XXXX who told me that he would turn this over to their Acquisition Dept to see if he could get some of these fees waived. He gave me suggestions as to how I could free up some cash. One of the suggestions he made was to consolidate. 
On XXXX XXXX I received a call from the Acquisition Dept and I returned the call to them on XXXX XXXX. I talked to a man on the phone and I did n't get this gentleman 's name but he was very rude and degrading to me and just flat out told me that I could n't get any of these fees waived. On XXXX XXXX I talked online to a XXXX in PNC 's website and in Chat. I explained my situation to her and she claimed that she would try again to get these fees waived. She told me that they still would n't waive some or all of these fees.. On XXXX XXXX I applied for a consolidation loan and the loan was denied. I want to be able to pay these fees plus free up some cash for myself. The loan was denied. At the present I have XXXX XXXX working on trying to still get this loan approved but is not promising anything. 
My question is, How is a person supposed to make it being charged so much just because you are overdrawn on your account. If this total amount comes out of my checking account I will not have enough money to pay all of my bills and it will possibly result in another overdraft charge. I also have an insurance premium that comes out of my checking account on the XXXX of each month. They proceeded to still take this out of my checking account knowing that I had a negative balance and resulted in another overdraft charge. On XXXX XXXX they proceeded to try to pay this again still knowing that I had a negative balance and resulted in another " Retuned Fee '' Charge. What I would like to happen in this matter would be for them to waive some of the fees in this account. Even if they do waive the fees and I do or do not get this loan I intend to close my accounts at this bank and open another checking & savings account elsewhere. I 've only had my account at PNC Bank since XXXX 2014. I would n't recommend this bank to any of my friends or family to do business at for the way that I have been treated. 
XXXX XXXX has been very helpful but the other departments at this bank are terrible to deal with.
Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Equifax recently announced a data breach in which my personally identifiable information was obtained by an unknown external party. I am attempting to place credit freezes on my report with all three reporting agencies, and each of these agencies will charge me {$10.00} for this freeze.
Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX
There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency. 

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : EXPERIAN CREDIT REPORT  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXXXXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX   CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX-XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
I was issued a settlement checK by XXXX XXXX which was drafted Off a Wells Fargo account on and attempted to cash this check The teller told me that they can not cash the check I would have to open the account account after I open the account up a Bank Teller took the check to XXXX XXXX about approximately an hour went by they had come back out in the main lobby full of people and accuse me of trying to pass a fraudulent check XXXX took the check refused to give me any documentation on this check or what she was doing and accusing me up I had called my attorney XXXX XXXX While still in the main lobby of the bank and he got on the phone and he spoke to XXXX she refused to release the check R give any documentation do you to XXXX XXXX   Claiming the check was a fraudulent check XXXX  had said she told me to leave the bank or she would call the police and charges were pressed against me the check has come back that is not a bad check and the check shouldve been honored I feel that The bank employee XXXX  violated my rights by releasing falsified information to the public which was done in the main lobby of the bank as you accused me of passing a fraudulent check which would also be defamation of character and slander also I believe she took the check unlawfully which caused me financial problems as well as stress the check was re-issued a month and a half later Enclosed I have submitted evidence backing my statement and Claims of what happened
I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
I received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.
I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
I was trying to refinance my property so I consolidate my bills. Lending Club is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. Lending Club automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. 
I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.
I closed my credit card account with Capital One Bank. This process was difficult by itself due to the fact that we were unable to get ahold of a person in order to close the account. Now that it is closed, I am getting notices that I have two delinquent bills which are hurting my credit score. I have statements proving otherwise as well as documents showing that my account is closed
Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.
On XXXX I received an invoice from BestBuy credit card for purchases of {$4700.00}. Transaction date XXXX at XXXX XXXX, N.Y. consisting of one computer@XXXX. Also on XXXX @ XXXX, N.Y. there is a charge for one computer @ {$3000.00}. They are billed to a credit card with my name. I do not have a Bestbuy card On XXXX I received an invoice from XXXX credit card with a charge of {$970.00}. I 've never heard of this company. The charge was made on XXXX. {$640.00} and listed as XXXX direct # XXXX @ XXXX XXXX IA again on XXXX another charge was made at XXXX XXXX IA for {$320.00}. In both cases I contacted the account manager and the charges were removed. Both managers suggested contacting your services.
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.
M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them.
1. XXXX account {$51000.00}, paid off. 
2. XXXX account is not mines. 
3. XXXX account, not mines.
The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, XXXX XXXX
To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter.
Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.
On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.
I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...
Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.