WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter " Notice of Right To Cure '' from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX through regular mail delivery at my home address mailbox. The letter is dated XXXX XXXX, XXXX, yet I received the notice on XXXX XXXX, XXXX, an obvious gap of six days due to XXXX internal delays and mailing said notice by regular mail delivery not by express, registered, nor certified. 

Subject of the letter Account XXXX. XXXX Retail Installment Contract dated XXXX/XXXX/XXXX, Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states " XXXX XXXX, XXXX, is the last day for non-payment of an amount due {$1300.00} to cure the default if I do n't pay by the due date we may exercise our rights under the law. These rights include the right to repossess the Vehicle. If you object to us taking possession of the vehicle, you may notify us in writing, no later than 15 days from the date of this notice ( Which I previously stated in this complaint, I received the letter XXXX XXXX, XXXX, not by registered or certified mail service. ) demanding we proceed in court. '' I responded to this letter in a reasonable and timely manner by mailing my response in a " Certified Letter, '' on XXXX XXXX, XXXX ( within 15 days of me actually receiving the notice ). USPS tracking system verified my letter was delivered to XXXX on the date of XXXX XXXX, XXXX. In the letter, I objected to repossession and demanded XXXX XXXX XXXX proceed in court.I have not received further written communication from XXXX XXXX XXXX since I received the said notice nor since I responded to it in writing. 

On XXXX XXXX, XXXX XXXX violated my right ( 15-day Rule to Respond ) to proceed in court by  repossessing the said Vehicle from my residence. This action by XXXX violates State of Wisconsin Statutes. 

In my opinion, based on the above-outlined experience with XXXX XXXX is a Predatory Lender seeking to rack up as much money from its clients by charging them racketeering high-interest rates when other lenders have refused to offer reasonable finance charges to those with challenging credit histories yet full employment status.
XXXX dollar tax lein has reported on my credit report and has been satisfied over a year ago. I have re leased letter. Need to have removed from all credit reports. Please advise as soon as possible. Thank you
In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.
Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside a  XXXX   XXXX   XXXX   XXXX    XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX    XXXX    ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED MY INFOR AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the SSN is matching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.
Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX    {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the Legal Permissible Purpose to access my credit report and under FCRA can be disputed through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e. Inquiry for credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.
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Inquires Number Thereof   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     XXXX       XXXX   XXXX   XXXX    XXXX
I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.
I was behind on my mortgage for two years and trying to get my loan motified. 
and yes they lowered the interest to my loan but they put into my org. loan all the back interest, taxes, lawyer fees and all different kinds of fees. 
and XXXX that i owned was {$120000.00}. it jumped to {$140000.00}. 
was in shocked to see that i payed 10 years of my mortgage and now i have to start again from square one. So i asked myself where is the help. you lower the interest but added 10 years more into my mortgage.
I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.
I have tried to see a copy of my credit report from the XXXX XXXX XXXX website. Equifax, XXXX, and XXXX all would not show me my report.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application.  my credit score was  effected.
Citi Home Equity LN XXXX XXXX XXXX CA XXXX Citi holds 2nd lien position. The short sale was started XX/XX/2016. We have received 1st TD approval on XX/XX/2016. Citi has taken so long to review their file that we have already had to request one extension from the 1st TD. Citi stated the file went to closing negotiations on XX/XX/2016. We have been in contact with Citi and they are still stating they do not have a decision on the file. 

Citi has had ample time to review the file to receive the maximum allowed to a 2nd TD under HAFA guidelines ( XXXX ). The 1st TDs approval letter is now in danger of expiring AGAIN. The homeowner will not be able to receive any relocation funds, since the HAFA program is now expiring. 

At this point Citi will not even respond to us. They continue to transfer the file, ignore our phone calls and emails. This is rather troubling considering the borrower is a XXXX service member.
Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}
Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''
I have a XXXX XXXX XXXX XXXX credit card account showing a open balance. This account was paid in full in XXXX 2014 and closed.
My spouse and I received our discharge from our Chapter XXXX Bankruptcy on XX/XX/XXXX. At the time of our filing, we were staying in an apartment, which was included in our bankruptcy. We were evicted and ended up in a homeless shelter. Fortunately, we were able to enter into a program that would help us stabilize our housing situation and the management company of our new apartment was aware of our bankruptcy. In XX/XX/XXXX, we attempted to move away from our current housing situation because our kids are getting older and need separate sleeping spaces. We applied for a new apartment, totally unaware that On-Site 's rental report included the debt from the apartments from which we were evicted and was included in our bankruptcy. My spouse went to XXXX County in XX/XX/XXXX with our bankruptcy paperwork and received something called an " Abstract of Judgement, '' which states that we were in fact cleared via the bankruptcy and no longer owe any monies to the apartment that we were evicted from. The rental report came back denied, I spoke with someone from On-Site ( XX/XX/XXXX ) and explained this to them, they told me that they never heard of such a document as an " Abstract of Judgement '' and where did the form originate. I let them know that the form originated from XXXX County Courthouse and that I was going to dispute their findings. After speaking with representatives a few times, they chose to communicate with me via email only. On-Site sent me a determination via email and would not return any more of my phone calls. Because many apartments use " On-Site ''  for rental reporting, my family is even more limited as to where we can live ... which is totally absurd and discriminatory. This information should not still be appearing on our rental history, especially since it was cleared via Chapter XXXX Bankruptcy and via the " Abstract of Judgement '' received by XXXX County.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas
Ocwen is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking I'm attaching Ocwen 's denial letter dated XX/XX/XXXX. I have appealed the denial within the required 30-day time frame. Therefore, I have not exhausted the appeal process. 

I also fully submitted documents again for mortgage assistance. Ocwen has not stopped the foreclosure sale scheduled for XX/XX/XXXX. 

The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. 

This means that if you submit all of the required paperwork, the foreclosure can't start until : the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ).

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
I have been getting phone calls on a daily basis from an automated system about my truck payment. I know that I am behind on my payment but the constant calling while I 'm at work and all day long is ridiculous
I am still having problems with XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!
For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.
On XXXX/XXXX/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on XXXX I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with XXXX who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " XXXX '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on XXXX pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. XXXX advised she was unable to assist me and she would trans me to a XXXX rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.
Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.
Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.
Great Lakes student loan 's does n't provide info and I ca n't access their web site.
Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.
For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.