WillisBack/dataset-financial-user-claim huggingface dataset:
Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Default Judgment and Declaratory Judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Summary Judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, of the facts stated herein being true. Further failure to rebut or continued acquiesce, failure to address, answer or respond, stand as a Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
On XX/XX/2018, I went into XXXX XXXX in XXXX, Mo to buy a car. I had brought along a pre approval from XXXX XXXX XXXX XXXX and told the car salesman that I wanted my loan through XXXX XXXX. I picked out the car I wanted, and he took all my paperwork to the Finance Lady. She had my paperwork for over 45 minutes and did not talk to me until after she had ran my credit. She ran my credit for Wells Fargo, XXXX XXXX and XXXX XXXX. After I had given them a letter for pre acceptace from XXXX XXXX. I did not authorize them to try to get me a loan through either XXXX XXXX or Wells fargo, and I was not asked if they could. I wanted XXXX XXXX and I had made that clear with the sales guy. I will Never deal with Wells fargo, and had they actually asked me instead of doing whatever they wanted, ( after I gave them the Pre approval and made it clear I wanted only XXXX  ) I would of told them I would never deal with Wells fargo. I have tried to get them to delete the hard inquiries made by these 2 compaines but they refuse to. I have already filed a complaint with the XXXX and still they refuse. These are 2 hard inquiries that should never of been on my credit report, and I want them taken off. Thank you
I received an attempt to collect from XXXX XXXX through a collection agency by the name of XXXX XXXX, XXXX They offer to settle a so called debt of {$5100.00} for the sum of {$1800.00} This debt was settled on XX/XX/2015. I have copy of dissmal document I believe XXXX XXXX XXXX by way of Convergent is trying to defraud and scam me
I received a robocall from XXXX, stating that I was going to be served. They called my parents too. I called them back, and received a woman by the name of " XXXX ''. I told her that she needed to stop harassing my elderly parents, or I would file a lawsuit against her company. She laughed and stated, " No you won't! '' I had to ask her what company she worked for. She stated " XXXX '' and asked for the last 4 digits of my social security number. I told her that I would only give that information if she told me what it was regarding. She laughed and stated, " just because Trump is president, doesn't mean you get to act that way! '' She laughed and hung up the phone. She refused to tell me what it was regarding, and had a robocall using the name " XXXX XXXX '' to call me and my parents. 

I have checked my credit report and I have no outstanding debts for anyone to take legal action against me on. They also used my maiden name, for which I have not used in almost 10 years.
On XX/XX/XXXX {$15000.00} was fraudulently withdrawn from our savings account with a use of a debit account. Our bank is Bank of American who we contacted immediately. We reported it to Bank of America, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number is XXXX XXXX. Their internal fraud report apparently says that some one in the XXXX region open a debit card in my name. Our address is XXXX XXXX, Florida, XXXX. My wife has a debit card but I do not. Apparently the fraudulent card was opened in XXXX ( XXXX ), Florida which is on the west side of Florida and we live n the XXXX side. The person apparently attempted to withdraw money through an ATM machine connected to Delaware from a Bank of American office but was declined. He went to a Bank of America teller and withdrew {$7000.00} and than went to another location and withdrew {$8000.00}. I have been assured that if the money was fraudulently taken I will get it back. My issue is it is a lot of money for my wife and I and we have asked Bank of America twice to at least confirm in writing that the fraud happened and they are investigating and need a certain period of time to complete their investigation. We call the fraud line but get a different state and obviously a different person each time we call and they give no information except that it will take 30 to 60 days. I am concerned that at the end of this period they may not even acknowledge they are working on it. Even though Bank of America has promised to send an acknowledgement letter to us by email and by mail we have not received anything. This may be standard procedure and they may have to be very careful on what they say. This is my first experience in dealing with something like this. I am also surprised they do not make it clearer that we our covered by various financial regulations to help us alleviate our financial fear. The Bank of America local office has been very nice but all they can do is call they same fraud line that we call and get the same answer. I guess I am really concerned that if I am patient that in 60 days they will still not tell us anything.
There was a debit or XXXX debuted from my rush card on XX/XX/2016 and I did not authorize such a transaction XXXX XXXX. 
XXXX XXXX
My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.
I had an initial mortgage loan with XXXX XXXX created in XXXX. In XXXX this mortgage was transferred to SELECT PORTFOLIO SERVICING , inc. From XXXX to current I've been paying taxes through escrow with little variation in my monthly payment. In XXXX the mill rate was based on a fair market value of {$200000.00} and in XXXX the mill rate was based on a fair market value of {$130000.00}. AGAIN, there was little variation in my monthly payment during this time and clearly my property taxes being paid through escrow were significantly lower. 
Despite all these facts, XXXX XXXX claimed a {$2900.00} " escrow advance '' during XXXX just prior to the transfer to SPS. Keep in mind they only paid {$1700.00} to the county in taxes! RATHER THAN SPS disputing this " advance '' they applied this to my loan as a fee that would ultimately create " fees '' and " charges '' of {$8700.00} in total as of XXXX! 
SPS continues to justify this fraudulent charge of {$2900.00} an all the subsequent fees and charges rather than removing from our account immediately. 
I've submitted to SPS the tax payment record from XXXX direct from my county showing exactly what was paid by XXXX XXXX during XXXX. Why is this legal?!
When I tried to access my accounts online, I found out they were frozen. I attempted to contact Capital One via phone calls, email, letters and I have gotten EXACTLY NO RESPONSE from anyone from customer service all the way up to the CEO. 

No one has called me. 

No one has emailed me. 

No one has sent me a letter. 

I recieved no acknowledgements to my emails, phone calls or letters! 

This not how a bank is supposed to operate. I have a right to know what is going on with my money.

I called Capital One on XX/XX/XXXX, someone was supposed to call me.

I email the CEO on XX/XX/XXXX, and no response.

I emailed the XX/XX/XXXX and no response or acknowledgement.

I sent a letter via usps to the CEO and again, no response.

I called the executive offices and all they could tell me was send an email to the officeof the president.
This company is the only XXXX out of the XXXX agencies that refuses to help and take care of this fraud. 

All these inquiries are fraudulent : XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX
On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.
I applied for a credit card with Chase Credit Card ( J.P. Morgan Chase Bank ). My card was approved and opened XX/XX/XXXX with a {$33000.00} ( XXXX XXXX dollar ) spending limit. My card was closed by them on XX/XX/XXXX. Chase is using criteria which is having a disparate impact on XXXX and possibly other minorities. The reason I say other minorities is I believe it also effects people of non- XXXX XXXX. Several lawsuits and complaints about XXXX accounts being closed. So an XXXX may be demographically listed as XXXX but isn't XXXX. Hence I also believe that a careful look at those that effected from the policy ( s )  they are using to deny me credit ( I have 820+ credit scores ) have a disparate impact on XXXX and possibly non-XXXX. This is the 3rd time they closed an account and have refused me credit. The initial happened after I used my card in XXXX and used my bank account to wire money to the same. I am XXXX hence I travel to XXXX as a XXXX would travel to or send money to XXXX. Please stop these unfair practices. People should be treated equally regardless of origin or visiting countries. My identity was confirmed and I have never not complied with any regulation.
I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again.
SEAR/CBNA ( CitiBank ) This account was opened in XX/XX/XXXX May last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting Citi Bank re-aged the account to show closed on XX/XX/XXXX as a Charge off. 
I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? 
I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. 
I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. 
Now I have resorted to do the same behavior. 
They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, XXXX.
It 's been an ongoing problem with my bank Wells Fargo for a long time, the very selective way they have cleared charges just to asses another overdraft, assessing an overdraft because of an XXXX XXXX charge it is crazy! We are 7 days into XX/XX/XXXXand I have already been assessed 5 overdrafts it 's an impossible thing to overcome I fee like a hamster running on a wheel and getting no where, anytime I call any of their people they have very little remorse they are n't concerned that over the past year or two they have stolen many hundreds of dollars from me in overdraft fees
Lastly, I would like to dispute ( AGIAN ) XXXX XXXX XXXX XXXX XXXX for the matter of {$420.00}, Original Creditor XXXX XXXX Bank XXXX, XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XXXX to my credit report. Please correctly update you credit files and delete this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account 2 times since XXXX and NOTHING has been done to correctly remove it from my name yet.
My mortgage is with Freedom Mortgage. They purchased it from the original company, XXXX XXXX. Approximately 2 years ago, I was hospitalized with recurring XXXX XXXX. It was necessary for me, with my small business and cash flow, to pay my mortgage at the end of the month rather than on the XXXX. I contacted Freedom and asked to skip a month, in order to put me back on schedule and I explained the circumstances. They denied my request, and informed me that the payment was due on the XXXX no matter what. They then reported to the credit bureau that I was 30 days late 4 times. I protested this because I always made sure that I made the payment before the next one was due. I called Freedom and they checked their records and they found that the payment was always received BEFORE the next payment was due ... however, they maintained that since the payment was not made on the XXXX, it was late. The credit reporting agency counts this as a MISSED PAYMENT and it is absolutely killing my credit score. As a result, I am paying higher interest charges, insurance premiums etc. and I have been denied credit even though I have a good payment history otherwise. Freedom has denied my protest, twice and refuses to budge. I believe that I could sue them for incorrectly reporting, because I certainly have incurred damages because of this. My position is that I am not one month late if I made the payment before the next one is due ... .and that was always the case ... according to Freedom 's own records. I hope that you can help me. I am XXXX years old and XXXX and my wife runs our business, which other than S.S.I. is our only income. I finally caught up about 5 months ago and it's no longer necessary for us to pay the mortgage at the end of the month. My only other recourse is to hire an attorney, which is difficult and expensive, but I believe I would prevail. Thank you for your consideration.
We filed bankruptcy over 10 years ago and had a line of credit with GreenTree Mortgage. Our house was foreclosed on in 2009. Several calls were placed to them to notify. They told me it was being written off. Now, 7 years later I am getting harassing calls from Ditech Mortgage about paying the delinquent account and are reporting it on my credit report.
Called XXXX to put loans in forbearance, as I now have no monthly income. Going to charge me $ XXXX/loan to put into forbearance, and I would still have to make the XXXX payment per our conversation.
on XXXX/XXXX/16 I mailed a letter to Experian requesting verifiable documents with my signature on them for accounts being reported on my credit report, I did not receive the results or proper notice on the status of my investigation during the dispute process, they also will remove an address on my account XXXX XXXX XXXX that is not my address, also Experian will not remove any inquiries of my report which I did n't authorize any of them, they are allowing companies to pull my credit without my permission specifically XXXX
This company I C System Inc keeps trying to collect an alleged debt XXXX XXXX XXXX XXXX that is not mine. I have multiple times reached out to them and XXXX and they continue to report on my credit an item that is not mine.
Freedom mortgage withdrew {$370.00} from my escrow allegedly to pay for my insurance but insurance company has advised payment was not made. Requested copy of cancelled payment twice and representative refused to provide evidence of payment to me as the owner of the escrow even when and if they received copy of the check.
XXXX XXXX XXXX will not allow submission of : State : Massachusetts Zip Code : XXXX
I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/
Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
The Account from XXXX XXXX XXXX should not be listed on my credit report. The account was listed without validating the account. I filed a dispute with transunion in which they have not responded. The xomoany itself admitted to not be able to verify the debt. Transunion is still listing this debt on my report. The company also admitted in their complaint with the CFPB that they were wrong and they will have the debt removed. However transunion is still listing the debt. I am working with an attorney in regards to my credit report and wrong reported information.
Over the past 6 years I have been filing many complaints ( reminder, I am legally XXXX And XXXX yrs old with many XXXX related illnesses that can cause severe affects due to ongoing and constant XXXX ) with you the CFPB and have sent in so many documents regarding so many wrongs done to me by XXXX XXXX XXXX XXXX XXXX. Here is Another, the accounting has been once Again played with by XXXX XXXX XXXX XXXX XXXX. Now also in regards to the " escrow account '' ( I pay my own ) and I only stopped making mortgage payments ( XX/XX/XXXX ) after 29 years of regular payments since obtaining of my proof of fraud on XX/XX/XXXX in regards to the note and mortgage original documents being Falsified and my signature forged. XXXX XXXX XXXX XXXX XXXX is aware!. Please see the uploaded " accounting '' of the so called escrow account. Again I paid Regular payments until XX/XX/XXXX due to new proof of evidence of fraud. Please compare the figures, one says I owe over {$1000.00} and the other says {$29.00}. Also my credit has been Dinged by XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when they started harassing me by sending a person to spy on me at my home once a month calling it " Corporate advances '', and monthly charging me for " Inspection Fees '' still going on. The dinging of my credit is and has been going on that long! causing continuous damages and still continues! Please see most recent upload regarding " credit dinging '' even though the foreclosure process has been put on Hold, due to the enormous illegalities of this Attempted illegal foreclosure. Please see all attached files. I tried to upload more from my credit monitoring XXXX XXXX but ran into technical difficulties, but it goes from XX/XX/XXXX through to XX/XX/XXXX my credit being dinged for major derogatory by XXXX XXXX XXXX XXXX XXXX. If need be I can contact this company for a more complete and detailed proof of this ongoing and regular dinging of my credit causing more And more damages.
Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.