WillisBack/dataset-financial-user-claim huggingface dataset:
I was told by Third Federal Savings & Loan during several conversations with Loan Department Manager XXXX XXXX That XXXX XXXX XXXX XXXX was trustee after checking this information out I was told on my first initial contact that indeed they was trustee and XXXX XXXX was Servicer. How could this be when Third Federal Savings & Loan claimed they was servicer and have been collecting my payments for the past 20 years on a perfect payment history from myself. After further investigation and meeting with XXXX XXXX he told me that Third Federal Savings & Loan was collecting payment on behalf of the government which is fraud since my Mortgage was paid off by government based on bailout or tarp program. 

Secondly, after further digging into this matter by contacting XXXX XXXX XXXX XXXX I was my information was no loner in database and they was not trustee after pulling my tittle is where I discovered that I was the assignee which clearly makes me the owner of my property. Third Federal Savings & Loan sold my Mortgage to XXXX XXXX XXXX XXXX THEN PROCEEDED TO COLLECT PAYMENTS FOR TH PAST TWENTY YEARS WHICH IS CLEARLY FRAUD I file Lien against them for their actions. their are reporting my mortgage as late to all three bureaus as I refused to give them one more dime see below email from XXXX XXXX XXXX XXXX response first email was XX/XX/XXXX, and recent email XX/XX/XXXX below is email I received from you last month PROPERTY LOCATED XXXX XXXX XXXX, OH XXXX so are you no longer trustee please reply Thank you for your recent correspondence. 

As per our records, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX Phone # : Loan Servicing : XXXX Loss Mitigation : XXXX Short Sale : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX acting as a Trustee, and therefore we do not own the loan or the property. As trustee, XXXX XXXX is not involved in the servicing of the loans or the foreclosure process.. This is the responsibility of the Servicer. The servicer is the direct and only contact who would have the information you are seeking. 

Thank you for contacting XXXX XXXX. 

On Fri, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Thank you for your recent correspondence. 

After researching our database, we do not show any records of the address ( es ) listed in your email. If you have documents showing we are the Trustee, please send it to this mailbox so it can be researched further. All applicable documents should be sent via email. However, please note that XXXX XXXX is solely the trustee and any property preservation, release, assignment, etc. would be handled by the applicable servicer. If you know the applicable servicer, please contact them directly. If not, please send any documentation you have showing XXXX XXXX as trustee so that we can direct your email to the appropriate party. 

Thank you for contacting XXXX XXXX. 

PLEASE STOP THE FRAUD BEING COMMITTED AGAINST MYSELF FROM THIRD FEDERAL SAVINGS & LOAN AS I DEMAND MY DEED TO MY PROPERTY Thank you muck XXXX XXXX.
On XX/XX/2019 I contacted this guy by the name of XXXX XXXX via XXXX to buy XXXX tickets for a game in XXXX Texas for the XX/XX/2019 game. He according had the tickets I needed and asked me to deposit him close to half ( {$500.00} ) the amount in order for him to be able to transfer the tickets to my ticket master account. Which I have buy tickets prior that way and no fraud has been happen before ; however this time, was different. He asked to deposit via XXXX which is the app the bank I used has it, so I figure was easier and fast. Once I transfer and it went thru, he no longer texted back, nor answer his phone and of course no tickets where transfer of tickets. I called right away to my bank and spoke to XXXX asking her to go head and cancel that transfer but she mentioned " I can't do nothing because you click the pay now option " I said well if I didn't click the now the person wouldn't transfer the tickets since the game is the next day and still had to drive 10 hrs to the game. After that she said " well it's tell pending on my side of the screen. So you have to be checking until it clears and then start a claim ". So I did and claim was initiated. After days, received a letter that my claim was close because they were nothing they could do due to I initiated the transfer and XXXX the app do not allowed to dispute and the third party of association doesn't give information from their account holders. So I next step was to file a police report but still no guarantee that the person will be paying back or even find that person even tho i have phone number, email, txt and of course the banks know about that person Info if not how it allow me to transfer and if I was the one initiated transfer why I can't be the one able to cancel as well. So I would appreciate if I can be assisted and make this individuals from scamming and stealing from honest individuals, as well make banks back you up, specially if the bank offers that app to transfer money. I thank you in advanve. Thank-you! I will be waiting for your response on this matter.
this company called numberous times and asked for settement in XX/XX/2015, which i complied and paid.
My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.
I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.
XX/XX/XXXX -- Bank of America closed a line of credit for {$16000.00}, with no formal notice or explanation. Received email and letter in mail, 1 and 4 days after the fact, notifying of me of this closure. 

XX/XX/XXXX thru XX/XX/XXXX Contacted Bank of America customer service via phone, and they refused to provide definitive motivation for the closure of my 14 year old credit card account. After speaking to 8 differnt representatives, including mangers, was informed to check my credit reports with XXXX, XXXX, and XXXX. Viewed all 3 reports online and no delinqencies over the past 16 years were listed. Relayed information back to Bank of America and was told that it could be due to inactivity, degrogatory marks, or deliquency, none of which I have. 

I am only seeking transparency as to what flagged a closure of this account as do not want to apply for a credit card and be denied for these same " mysterious reasons '' as Bank of America refuses to confirm or deny.
I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate  notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
The Company started repeatedly calling me and not leaving a message I was in a business meeting and was unable to answer. Once I was free to talk I called the company back. I spoke with a lady that was very rude and kept changing her story and would not give me straight answers. Each time I would ask question she would get upset and interrupt me while in conversation. I asked her if I could set up payment arrangements and she said yes but it would still count against my credit if I did not pay in full by XX/XX/XXXX Think that was date. I asked for a detailed description and told her I wanted to dispute it. She told me that I could not dispute it because it was medical bills that if I wanted to dispute it I should take that up with my insurance company. <P/>I was trying to ask question to understand what my options were and what was going on and get clarification on the debt. When I would question what she said because it contradicted what she had already told me she got angry and She hung up on me. <P/>I called back and asked for a supervisor I was told she was the only Supervisor working on that Friday. I explained to her what had happened and how the girl told me that I was not allowed to dispute the charges and she told me that I should have received a bill and an explanation of benefits and she told me I had nothing I could dispute. That I needed to pay it or it would be reported to the credit agency. She also told me there were more accounts that letters were sent out on and that I should get those paid. I asked for details on those and ask if they could give me some more time until I received the documentation and had time to review it. She said that they could do it but she did not feel like she should. When I questioned her on the policy she got upset and threaten to hang up. I told her I would call back and ask for someone hire up and she told me that I would not get anyone above her. She also said if I kept calling back she would block my number. I asked her how I could call in and make a payment if she blocked me. She just hung up on me. <P/>I called her back and left a message to make a payment and she would not call me back. Not sure how it is ok for them to call me over and over again but I cant call and get any answers. <P/>I also called them on XXXX-17 to ask why after i paid my bill keeps going up rather than down and asked for a detailed accounting online that i could look at as my accounts should not be combined with others. they told me that they use that website for payment purposes only. I told them that i needed the ability to see online or in writing somewhere what the charges are for she told me that there was no place and that i could not keep accounts separate. If the charges are for different people they may need to be paid separately out of different accounts i asked to have them link especially since they are not tied to the same SS #
Since   XXXX   of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act , 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing the m to 3rd par ties you are damaging my reputation and credit worthiness.  <P/> Under the FCR A 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
My relatives have received harassing phone calls, saying it will be arrested, served papers, charge with failure to appear, they have pretended to be officers of the court etc. I have called them back and reviewed their information to find out it is not me but someone who 's last known address is half way across the country. Then this morning They promised before to take me off their calling list after calling my lawyer. Two days ago I registered a new phone number and the calls continue, when I return the call they tell me they are suing me for XXXX/XXXX percent of what I owed ( keep in mind I owe them nothing ) and I even confirmed with them they had the wrong person by asking for that person social and provided my last XXXX to them. She is then abusive and hangs up so I call back and she insist that I confirmed that it was my debt and she 's serving me with papers. I have lived in XXXX for the last 4 years and this debt they are trying to collect is only a few years old during a period I could not have made it. They refuse to give me an address of the company, any details or talk with a supervisor but insist it is me even after I confirmed it was not. They called me at XXXX waking up me and my wife who are getting ready to have a baby and their threats are causing me unrest when I do n't even know this person their trying to collect on and contacted family members private cell phones that do n't even share my last name.
I filed a complaint against GM Financial - your complaint number XXXX. GM 's financial representative told me that they fixed the incorrect credit reporting. They did in fact fix my credit report. The reporting error is now back on my credit report - hurting my credit score.

I have exactly one derogatory mark on my credit report - this one.
On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.
On XXXX I filed a dispute for a charge of XXXX from XXXX XXXX which took place on XXXX. In this dispute, I outlined OnXX/XX/XXXX after finding the same item at a much lower price online, I attempted to return the purchase. Despite only having made this purchase a few days prior and the return policy stated on my receipt clearly states a 45-day return policy, my return was denied with no explanation. As an XXXX XXXX member, my return period extends to 45 days from the date of purchase. Therefore, I am disputing this charge as I was within the return policy set by XXXX XXXX. To assist in the dispute investigation I included a copy of the original receipt showing the original purchase, the merchant return policy, as well as the proof of the attempted return and resulting denial denial by the merchant. As outlined by the XXXX merchant dispute conditions Condition 13.7 Cancelled Merchandise/Services, this is a valid dispute as I attempted to return the purchased merchandise in accordance with the return policy provided at the time of sale only to have the merchant refuse the return, violating the terms of sale. 
On XXXX Chase sent a letter stating they refused to chargeback as they sent me a letter to which they claim they did not receive a response to. This is a false statement as not only did I call and resubmit all necessary paperwork, but when initiating the dispute I provided Chase with all relevant documents and information to process this dispute. I contacted Chase many times via phone insisting the dispute be continued as the merchant had failed to produce any information invalidating the dispute. OnXX/XX/XXXX and onXX/XX/XXXX I sent letters in ( proof of submission attached ) reasserting my dispute. Chase further states I did not meet the policy guidelines when I returned the merchandise. This is, in fact, a false statement as it was the merchant who failed to meet the policy guidelines as indicated by the included return refusal receipt. 
I requested a copy of all related documentation for this dispute which I never received. Soon many fronts Chase failed to meet their legal requirements both in investigating this dispute as well as providing documentation as requested.
-Made final payment on XX/XX/18. 
-Account is now - ( {$67.00} ) and being charged interest on that. 
-Notified Navient and received no correction. 
-Requested letter of stating loan was paid in full ; received nothing. 
-Disputed credit report through XXXX and XXXX for account accuracy. 
-Navient marked loan on credit report as " Closed '' which dropped my score. 
-Have screenshots of payment history showing a {$0.00} balance. Also have screenshots of account with negative balance and interest being charged on that surplus of funds for a paid off loan.
I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit.