WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint with your agency, Case No. XXXXYou completely did nothing to help me. I never heard from you so I called your office late XXXX. XXXX of your staff told me that the reason my case was not resolved was because I was not clear with my desired resolution. I gave her my new mailing address because we moved from XXXX XXXX, XXXX XXXX, 2015. On XXXX XXXX, 2015, I wrote a letter and per your staff representatives specific instructions and forwarded it to your office ( see attached ) I have never heard anything more from Consumer Financial Protection Agency. 

I was cleaning out my file cabinet and saw my file for this matter last week. I went on line and found the link for me to see the status of my complaint. My old address was still there, the new address was not updated. I wrote to XXXX XXXX XXXX XXXX see attached ) on XXXX XXXX, 2015. 

I was trying to figure out how to get back into my case today and needed help. I called and a lady told me my case was closed. XXXX. She told me it was closed in XXXX, I told her that was impossible, that I had spoken with a CFPB staff representative the end of XXXX 2015 XXXX I will look for my phone audits that I have because of the type of accounts I have with XXXX XXXX and she told me the reason it had not been resolved is because I was not clear about my desired resolution. The representative even helped me with the specific language to write my letter and submit it. 

Today your representative said she probably could not help me because my online file was closed. I told her that is impossible, I had just logged in last XXXX, she disputed my information so I immediately logged in. 

Today your staff said I received a response and directed me to an attachment link on the page where it said a response was. I never knew this. I was not even aware until XXXX XXXX, that I could log on and see my case. 

I did open the file and was so upset, the response is worthless, obviously B of A read nothing! They tell me to go to my bank ... that is where I started and I am back at square one over a year later!!! OMG. 
I went to XXXX went to my bank and they gave me the information for B of A FIA Credit Card DepartmentI went to the Office of the XXXX Bank XXXX went to the Office of the ComptrollerI was instructed to go to you, The agency, Consumer Finance Protection BureauI am not better off than when I started. 

The attached letter your representative directed me to today is worthless, it says nothing, there is no way a person of integrity and honest person with B of A read my supportive documents and came up with this response. NEVER! 

How can your agency, funded to help individuals/companies like ours accept this generic letter and close my case? 

My last step is the US Attorney General if you do not find integrity and do the right thing, review all I have submitted, follow up with BofA and resolve this matter and provide my specific request of being reimbursed by XXXX/BofA. 

XXXX XXXX XXXX
I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below.

1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act (  FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 
3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 
4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). 

Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
We are awaiting response to claim # XXXX this information is readily available in your files why the delay? 

Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".
Hi, How are you? 

I have been getting calls from XXXX  XXXX for the last two months regarding outstanding debt on a XXXX XXXX XXXX account. I picked up the phone one day and let the caller know that I have never held such account. The caller hung up and I stopped getting calls. Then, XXXX XXXX started calling my family members. I just went on XXXX XXXX to check my credit score, and noticed two accounts opened within the last two months that I completely do not recognize. One of them is a XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/2018 with outstanding balance of {$7300.00} and the other is XXXX XXXX XXXX with outstanding balance of {$400.00} opened on XX/XX/2018. Both are not my debt and accounts I have never opened. Please help me resolve them, thank you. 

Thank you!
Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
1. XXXX was paid in full in XXXX and was not a collection account as of the end of XXXX. It was a collection account in XXXX only. inaccurate reporting by Experian. 
2. XXXX XXXX - {$7400.00} was not the amount written off and account was settled and paid in XXXX XXXX, account was not a charge off in XXXX XXXX, it was already paid. 
3. XXXX XXXX - terms not identified, date of status is not XXXX XXXX, charge off was not {$3500.00} and past due {$3500.00}. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX  and Experian and XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
The Auto purchased XXXX XXXX XXXX is re- listed as closed derogatory .A payment was late as I was in hospital several days having my baby ( Born : XXXX XXXX XXXX This company refused payment XXXX times after the event and closed the account on XXXX XXXX XXXX .Last listed payment was XXXX XXXX .I was informed the car would be impounded and I was not allowed to pay for it, I was however allowed time to go purchase another car prior to impound -which I did-and which I still use today .The impounded car with a total of XXXX paid and XXXX in new snow tires- I was told had been auctioned for an unknown amount.The original loan amount was XXXX with payments at XXXX XXXX monthly-I am then told I owe XXXX on a car I do not have and was not allowed to pay for when I did have it.Now ,XXXX years latter this has been taken off my credit and then put back on as of XXXX XXXX the 6 year RCW XXXX .How can this be listed twice restarting the impact to my credit score?
I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from North Shore Agency ( NSA ). I called this NSA ( North Shore Agency ) disputing the alleged debt, and the representative on the phone did n't care to hear my side and he asked me to pay the amount or they would continue collections and report it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on The XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the state of Michigan AG office, consumer protection agency, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and North Shore Agency to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from North Shore Agency. Thank you for your attention to this matter Respectfully Yours, XXXX XXXX
My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.
I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number. 
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint. 
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live. 
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : XXXX XXXX.
My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the yearXX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX  report because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX also was to be deleted but is still reporting.
My friend worked at the car rental company and charged me a discounted rate and then when he left the company and I was longer renting I received this bill for unknown use
My personal information, including location, social security number, and credit account history, was not secured properly and obtained by outside parties that I did not consent to give information to.
i disagree with the last complaint they did not address the issue. chase auto has Not been reporting accurately to XXXX credit bureau.Chase auto state theres a block from XXXX which is a different company from XXXX. chase as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.XXXX   says they can not change anything on my consumer report unless chase auto update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to  continue to report inaccurate information sec 809 ( b ).
I have been in contact with XXXX XXXX customer service support agent and requested that we communicate via email. She was given my permission to do so has my cell phone in being serviced. I also requested a modification of my payments for two reasons. 1. the unnecessary add one done by the salesperson at the time of purchase resulting in higher payments $ XXXX vs XXXX. Salesperson XXXX XXXX. And 2 Drivetime advertises modifications on its website so the consumer can keep the car. I proposed the latter and was informed I needed to go elsewhere to refinance. Drivetime advertises modifications am I being treated adversely because I filed a complaint? I am going to make another payment XXXX XXXX. Do I need to contact the Office of Civil Rights because I am being discriminated against? I have no cell phone currently I wish to communicate via email. Why is this so difficult? I have given permission.
I apply at XXXX XXXX for a XXXX XXXX  XXXX. I added my mother as a authorized user in case she needed a repair .Ive had the card for 3yrs and never missed a payment and paid off early and asked them to keep the card open and they agreed. Then 2 weeks later I receive a email from XXXX XXXX that the account was closed. I called them and said that I wanted it left open. They sent me out another card for the inconvenience which wasn't activated due to company closing that one. 

I called back and they said it was closed for fraud, however in the meantime, I started paying off a few more accounts linked to this bank and as soon as I paid them off they close them as well. 

They verified that I opened them in my name with my info and I never missed a payment and there wasn't a issue for over 3 yrs and now they are trying to close them all. They said they received a email from XXXX  concerning my mom and it say to notify my sister to handle all of my moms credit stuff which she hasn't been around our family until our Dad pass away. And this isn't my Moms account, its mine, she was just a authorized user on MY account. My moms memory isn't the best and se has early stages of XXXX as well. 

They just transfer me to the Fraud Dept and that Dept. will not tell me whats going on. 

I have been upfront about everything, if I'm a fraud victim, I have the right to know, instead of being treated like a criminal. If its about my mom being on there, that's not fraud. I just added her in case she needed a way to get a tire fixed and I would take care of it instead of her paying. 

It was my info that was used to open this account. My mom was added as a authorized user with her name only. 

For 3 years, I check my balance and pay my bill by calling in using my SSN # and birthdate to pay and check my balance. Until someone tells me the truth, I will not pay them another dime until I speak to someone and find out the truth.
I was incarcerated for 1.5 years. I just got XXXX and are currently living in a XXXX. During the time in XXXX I has limited availability to work on proceeding with the short sale. I have tried to work with citi to prevent the foreclosure of my property. I am currently working with a Realtor. We have a buyer and all of the short sale documents sent to the lender. We have a schedule sheriff sale date tomorrow Friday XXXX XXXX. I am requesting the sheriff sale be postponed to allow us time to proceed with the short sale. Please make Citi work with us to do the best thing for them and myself - allowing the sale as a short sale
Forster and Garbus uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.