WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.
This account should not be as much as it is and I do n't recognize this amount as being true
Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Transunion FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC XXXX Identity Theft Victim 's Complaint and Affidavit. Under FCRA XXXX ( XXXX XXXX. XXXX ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC XXXX XXXX report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Transunion, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last XXXX digits : XXXX XXXX : XXXX/XXXX/XXXX cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and XXXX
Amex offered a XXXX dollar credit if buying XXXX XXXX XXXX, which i did buy. I never got my credit so I inquired with AMEX via online chat. 3 reps have told me that I was wrong and that the discount was applied upon purchase which was incorrect, nothing was mentioned of a discount and I never received one up on purchase or a credit to the account ( which is how they always have worked before ) I had to inquire with 3 reps that all denied the claim. I was then mad about having spent so much time getting a promotion that should have applied automatically to which the customer care team didn't seem to care about. I asked for inconvenience credits since i spent over an hour disputing, taking away from my job. The reps said they can't issue any credit. to which I said " of course you can '' they tried to say they couldn't until they finally gave me 10. I just do not like AMEX customer care, they are ruthless and out to get you! This is horribly unethical and I did not appreciate the poor service.
Originally I filed a related complaint ( XXXX ) with the Consumer Financial Protection Bureau in XXXX XX/XX/XXXX regarding Capital One 's failure to provide a statement of charges that were made by me ending in approximately XX/XX/XXXX. On XX/XX/XXXX, I received in the mail the requested statement, number XXXX, ( the Statement ) from Capital One due to the aforementioned complaint. The Statement received in XX/XX/XXXX showed accumulated fees and interest of {$1200.00}. I subsequently advised Capital One, after paying off the Statement balance of {$15000.00} on XX/XX/XXXX, I would not pay the accumulated interest of fees ( {$1200.00} ) because they were entirely and solely due to their inaction and wrong doing. On XX/XX/XXXX I received a statement from Capital One in the amount of {$1500.00} for accumulated interest and fees related to the Statement. 

At no time from XX/XX/XXXX to XX/XX/XXXX did Capital at my request provide me with a statement of charges. Prior to XX/XX/XXXX I had paid my statements off in full every month. Capital One restricted, aka closed, the above account on XX/XX/XXXX because they relied on false internal information that I was XXXX - without first obtaining confirmation, i.e., a XXXX  certificate. In XX/XX/XXXX upon learning of the above I requested all Capital One cards of mine be closed immediately. 

Accordingly, the demand by Capital One that I now pay interest or fees regarding this matter is not warranted and a total failure on their part to assume responsibility for inaction and wrong doing. I am requesting CFPB to hold Capital One accountable by removing any personal obligation on my part for the interest and fees now being charged.
According to record, on XX/XX/2017, Portfolio Recovery Association began reporting a debt of {$1500.00} stating that the original creditor was XXXX XXXX Bank. I paid a credit repair agency to dispute XXXX  XXXX Bank and they honored the complaint and removed the original account but Portfolio Recovery Association has continued to report this fraudulent account despite the fact XXXX   XXXX Bank removed the account.
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.
send a letter and email and a fax to XXXX XXXX XXXX XXXX for Validation of debt on the XX/XX/XXXX and they still call my house and still reporting on my credit report
As you probably know, all American Express XXXX cards were converted to XXXX on XXXX XXXX 2016. I have no problem with that. But, now I am unable to download my recent statements. American Express says they turned them over to XXXX. XXXX says they never got them. Somebody has my statements and I want them. I think Amex is just being rude because they 've lost the business.
I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.
I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX, XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. 
Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.  XXXX   XXXX   XXXX   Date Filed   XXXX  2017   Type Credit Unions 2.   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS  GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, & XXXX acct. no. XXXX.
When checking my credit reports I noticed that this XXXX XXXX XXXX is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of Check into Cash INC and I have no idea who either of these companies are and have never taken out a payday loan with the company Check into Cash. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date.
On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.
On  XXXX / XXXX /   2017  I received m y Citi car ds statement which included a late payment penalty.   I am very careful about paying my cards and pay them early and in full every month. I remembered paying this account and I have had this account for many years.  I called Citi cards  and told them they have a problem as I paid that account. They gave me a hard time, so I cancelled the card. I then paid the account in full and called to redeem my cash rewards. On  XXXX / XXXX / 2017  I received a statement fro m Citi  cards for a recurring charge made on  XXXX / XXXX / 2017 . I called  Citi  and told them I had cancelled the card on  XXXX / XXXX / 2017  and they issued a conditional credit. On  XXXX / XXXX / 2017  I received an email fro m Citi sta ting that I had a new message in the message center. I checked the message center and found no new message. I continued to check the message center for several days and found no new messages. I then received a letter fro m Citi sta ting that they had reversed the credit. I checked the message center again and now found the message had been posted. That tells me that they ha ve an IT problem. I called Citi and asked why I was responsible for a charge made on a card I had cancelled. They told me if I did not pay, it would ruin my credit. On top of all that, I had returned the product. USPS  tracking  XXXX
Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation why
Midland funding notified me that through XXXX, that they attempting to sue me for a debt that they dont own and that is past the statue of limitations. They have misrepresented the account with false affidavits and lied to me about it being restarted as far as the clock. They have been unable to verify that they are the owners of the debt, show proof of a card/account statement, how amount was calculated, nor have an agreement. They are reporting and listing the account wrong on my credit report with updating it as late monthly with a high credit amount
XXXX   XXXX  is charging me an early termination fee plus finance charges for an postpaid wireless account that I never agreed to purchase. My prior employer allowed me to use a company postpaid plan that was serviced by  XXXX .     When I left that employer I took the phone number with me and I switched to a prepaid plan with  XXXX  that I paid in full each month. However,  XXXX  says I owe them an early termination fee for the postpaid plan that I never agreed to purchase.     I hav e sent three le tters to  XXXX  over the  last two  years but they will not return any of my letters. They have sent the matter to their collection agencies who pester me with letters. I want the letters to stop and I want  XXXX  off of my credit report.
I applied for the Citibank XXXX XXXX card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
i called chase XXXX XXXX to ensure balance was paid off at XXXX early XX/XX/XXXX. they somehow also took XXXX out of my bank acct mid XX/XX/XXXX. this month they charged me interest when in fact they told me everything was squared away when i called after paying off the balance owed.
Someone is using my name, social security number. These hard inquiries is fraud and does not belong to be. I have no knowledge of these hard inquiries.
Quicken Loans Executive Mortgage Banker contacted me on Friday, XX/XX/XXXX around XXXX ET. We spoke about the details of my loan request, amount, percent of down payment, amount to be financed, my desire to not have any points to pay, and my desire to do a borrower paid PMI so I'm making monthly payments of the PMI rather than it being baked into the interest rate. I also provided him the credit score that was used by the mortgage company that pulled my credit earlier in the week. I asked him to email me the rate and PMI he was getting, along with fees, so I could have something to reference as I shop for rates. Below is what he sent me at XXXX ET that morning. 

Hello XXXX, It was great speaking with you today. Per our conversation, we discussed the following option : Purchase Price- {$570000.00} Down Payment- {$28000.00} ( 5 % ) Rate-4.375 % PMI- {$100.00} per month Origination- {$1100.00} ( Total Closing Costs could be anywhere from 3.5 % -4 % ) This is based on what we discussed and can change depending on where the market is at. Once I get everything in the system with a credit report I will know more of an exact figure. Please let me know if you have any additional questions! '' Today, XX/XX/XXXX, I spoke to him again and told him I have a ratified contract and am ready to lock in my estimate, however, I need to know if the rate has changed since Friday and if he can help bring the origination cost down since there is a competitor who is charging quite a bit less. He said he would contact me at XXXX ET today with the new rate, if it had changed. He called at XXXX ET on the dot. Very punctual. When we spoke, he said the rate had not changed. I asked him about the origination fee and he kept telling me, Friday and today, that he needed to run my credit to get an approved packet over to this Director. An approved packet should NOT be required to talk about origination fees that are wholly owned by the lender. Despite that, I asked him to at least have the conversation with this Director to see if they would be open to moving on the origination fee, considering I'm getting a quote with quite a bit of a lower rate. 

I called him back at XXXX ET today to ask him if he had an update on the origination fee. He didn't and said the same thing again. So, rather than continue trying to get through this without letting them run my credit, I went ahead and gave him my social security number and income so he can get the origination fee negotiated on my behalf. 

Instead, he calls me back at XXXX ET to tell me the interest rate has changed. At XXXX ET the same day, he told me the rate had not changed. I don't understand how that happens. His statement now is that I need to pay points in order to buy the rate down to the 4.375 %, an opportunity for them to make money. I've included the details of the additional interest they will collect because of the rate difference so that's yet another opportunity for them to make money. 

These deceptive practices are the reason the CFPB was created. I can not believe they continue.