WillisBack/dataset-financial-user-claim huggingface dataset:
IN CASE XXXX YOUR CLIENT XXXX XXXX DECIDED ON XX/XX/XXXX TO LIE IN HIS SWORN TESTIMONY AND WHILE ON THE WITNESS STAND 1..SAID HE HAD NEVER SEEN MY FACE UNTIL AFTER XX/XX/XXXX THE DAY XXXX XXXX SAYS XXXX XXXX CONDUCTED THE TRANSACTION SALE. 2. HE DO NOT KNOW XXXX XXXX XXXX. 

ONE QUESTION, ARE XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX THE REALTOR OF RECORD IN THIS MATTER? 

ARE XXXX XXXX XXXX THE REALTOR FOR XXXX XXXX DOING THE BUSINESS AT XXXX XXXX XXXX XXXX, MI XXXX IN XXXX?
XXXX XXXX XXXX XXXX XXXX, NC XXXX has been my home for over 10 1/2 years, my mortgage lien holder was USAA, which they have void their own contract with me and my husband. USAA from the beginning of my loan XXXX who said they messed up all paperwork and returned it back to them with all payments, 2nd was XXXX after an audit they returned it back, 3rd XXXX, and 4th XXXX during the whole process of the loan. During my bankruptcy USAA was over paid during XXXX through XX/XX/XXXX from the NC Trustee, an investigation implemented which took USAA 3 years and I heard nothing. USAA set on this paperwork and at the end of the fourth year offered a modification, which in the modification had some words that covered their mess and time lapse. We hired a lawyer for another 3 years went by, and USAA has now, pushed to take our home again. They said we have three options to reinstate from the bankruptcy and paid in full, next is short sale, last is vacate property. USAA feels like the laws of NC do not apply to them, nor do they regard the process. I am granted 30 days to make a decision for the 3 options, and because I put in a complaint with two agencies they have taken these options off the table. The letter was delivered to my house on XX/XX/XXXX, but dated XX/XX/XXXX, not allowing any time to do any rebound. Auction for my home has now moved up to XX/XX/XXXX, given me less then 30 day to find a solution to my housing situation. My husband has served this country and still serves ; we should not be treated in such a matter. We went through financial hardship, and we have recovered and USAA is trying to say we have a negative NPV, which I believe is in correct. The appraise of the house is less then what they are asking for, XXXX XXXX XXXX XXXX Modification rep, I spoke to XXXX XXXX, I also left a message for XXXX XXXX XXXX XXXX. This is my second attempt to get assistance by the State of North Carolina.
Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.
I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.
On XX/XX/XXXXI received a call from XXXX  teller number XXXX my single point of contact from XXXX Mortgage. I told her that I was concerned about the Default letter that was dated XX/XX/XXXXdemanding all past due payments by XX/XX/. I have already made a payment on XX/XX/ XXXX. I turned in a loss mitigation packet and I explained to her that I will not be able to pay all past due payments by the XX/XX/XXXX. I told her that I will receive a profit sharing check on XX/XX/XXXXwhere I could catch up on all payments past due totaling XXXX. She responded that they sent a another Default letter onXX/XX/XXXX giving me until XX/XX/. I have not received that letter as of todays dateXX/XX/XXXXXX/XX/XXXXShe also said my loss mitigation packet is complete and under review as of XX/XX/XXXX My concern is I DON'T have any documentation stating what I'm being told. I afraid this company is going to foreclose on my property. I have talked to several reps and I am getting told different things. Please can I get some straight answers because it seems that my last resort is going to be filing bankruptcy. This is not what I want to do.
XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.
To whom it may concern, I sent a multiple inquiry removal to Equifax on XX/XX/2018 as well as called Equifax on 2 separate occasions XX/XX/18 and XX/XX/18 in order to dispute information, in regards to several inquiries that were reporting on my credit report. After I spoke with a representative on XX/XX/2018, she stated the inquiries would be deleted due to being unauthorized. I received notification the next business day on XX/XX/2018 that the investigation was completed ( after only 1 business day ). I again called on XX/XX/18 and was given a confirmation number. I called immediately after to check the status using the confirmation provided and was told the investigation was completed. This was within 5 minutes of the call!!! The request included 12 hard inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that ANY information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. How are they factual when I have contacted the creditors as well and they have no account. Furthermore, they have no knowledge of me doing business with them. The fact that I received a response 1 business day after 1 call, and 5 minutes of another call, one can assume that no investigation was done into the matter. Please remove these inquiries from my credit report. I have no knowledge of them, I did not sign anything, nor do I have any accounts attached to them. I'm planning to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble which is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer.

Delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   )
This complaint is regarding my online baking with Citizens Bank ( Citizens Financial Group , Inc. ). I am using my online baking bill pay feature to pay a credit card bill at XXXX XXXX. The Citizens Bank bill pay feature allows you to enter an " Amount '' to pay  and a " Deliver By '' date. On Monday morning XX/XX/XXXX, I entered the " Amount '' of  {$3200.00} and the " Deliver By '' date of XX/XX/2018 and submitted the payment. After the payment is submitted I received a confirmation page indicating that the payment was scheduled for a '' Deliver By '' date of XX/XX/2018. 

The due date on the XXXX XXXX CC was XX/XX/2018. On XX/XX/2018 I noticed a late fee from XXXX XXXX in the amount of {$32.00} as well as {$51.00} in interest ( I pay the full amount every month to avoid interest ) and called XXXX XXXX. They stated that they did not receive the check from my bank as of yet. The waived the late fee and asked that I check back in a day or two as maybe it was in transition. 

On XX/XX/2018 I checked my online baking and it stated " Check # XXXX was mailed to XXXX  XXXX Credit Cards for receipt byXX/XX/2018 '' however XXXX  XXXX still did not receive the payment. I then called Citizens back and they stated that the check was sent out, possibly on the XX/XX/XXXX and that it was the US Mail who did not deliver it yet. 

My complaint is directed at Citizens deceptive wording on when the check is delivered. Using the words " Delivered, '' " Delivered By '' and stating " Check # XXXX was mailed to XXXX XXXXXXXX Credit Cards for receipt by XX/XX/2018. '' are inaccurate. Because of this I incurred interest and a possible late fee not to mention a hit to my credit history. 

Additionally when I called Citizens Bank and had to wait 26 minutes on hold for someone to speak with, they started to tell me that the word " Delivered '' and " For Receipt '' means it could have been mailed or sent electronically from the bank on that date and that XXXX XXXX would not receive it for 3-5 days however they didn't seem sure themselves.
My student loans are managed by FedLoan Servicing and since being transferred to their service I have experienced significant issues - for the past few years I have to annually request a recalculation since they use my household income to calculate my payment, but fail to include in the calculation that both my husband and I have student loans. Additionally, during the last recalculation I requested a forebearance until they recalculated my repayment - they did not apply the forbearance, though they indicated that they had during our phone call, resulting in an unknown missed payment. My payments are direct debit, so I find it odd that I could simply " miss '' a payment ; the mistake could only have been caused by their representative. 

I only just found out about the missed payment from XXXX - they claimed to have sent me emails and mail, which I never received until recently. I save every email from them and responded to the first one- received yesterday- that indicated delinquency. I am a responsible person, I pay my bills, and address issues as they arise. Since my loans were transferred to this company I have experienced significant issues that have resulted in me overpaying on loans due to miscalculation and now an erroneous delinquency on my credit report.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

XXXX, TX XXXX  Re : Acct # XXXX  To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I have had late payments on my account. This is a formal notice that your erroneous claim is now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.
See attached criminal background check. I 've been unemployed for almost 8 months, and FINALLY have some VERY GOOD opportunities/leads, but if these outdated charges appear on my background check, I 'm certain, I will discounted for employment. Please help me. Details : There are " XXXX '' XXXX XXXX  listed in detail from XXXX County, FL in  XX/XX/XXXX and XX/XX/XXXX that were dismissed and gone ( I thought ), but they show up, loud and clear. There is also and admission of XXXX XXXX XXXX in Colorado, but nothing showed up on the search - PLEASE, PLEASE REMOVE THAT FROM PUBLIC RECORD. All of this will likely hinder my chances of employment, that were disposed, and should be removed due to the statute of limitations ( as I understand it = 7 years ). I 've highlighted everything of concern that I hope you can remove. Please help me. I 've worked very hard to clean my credit and get my life back on track. Thank you very much for your time!!!
I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date ( which is invalid ). I communicated that I am disputing that and I want the item removed. I called the company shortly afterward to communicated with them directly regarding the account. The representative hung up on me when I told him that he was in violation of the law. As a remedy I would like this complaint filed and the item removed from my credit file.
This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, XXXX XXXX XXXX
Capital one 360 my account was compromised and XXXX $ was stolen from my account. They refuse to help me retreave any information and closed my account and refuse to help me
The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.
Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. Thank you.
On    XXXX   XXXX    , 2017 I o btained a copy of my Experian,  XXXX  and  XXXX  credit reports. I noticed there are   XXXX  ac counts in collection with a company called  XXXX . I sent ou t 3 d ispute letters certified mail to  XXXX  using the address they provided on all  XXXX  credit reports on    XXXX   XXXX  , 201 7 . On   XXXX   XXXX , 2017  I received the certified letters back because the address was undeliverable. On   XXXX   XXXX  , 201 7  I then sent ou t 3 m ore certified letters to the  XXXX  credit bureaus including a copy of the certified mail tracker showing the address is undeliverable. I received a response from Experian on   XXXX   XXXX   , 2017 sta ting that the accounts have already been verified and they would not remove the accounts from my credit report. It is my understanding that per the FCRA & FDCPA the bureaus are not allowed to report anything they know to be false including address. These accounts are reflecting poorly on my credit reports which in turn is making it very difficult for m e to obtain credit. My rights are being violated and I 'm not sure what else to do. The information is being reported incorrectly and by law it should be removed from all  XXXX  bureaus.