WillisBack/dataset-financial-user-claim huggingface dataset:
Here is the complaint that I have submitted now 4 times.....We are on our XXXX bank because
our loan continues to get sold. the complaint is with Selene Financial. We were working
on a loan modification which would involve taking off the mortgage an ex wife and
adding XXXX onto the mortgage. It also involved reducing our mortgage to fair
market value. After months and months of paperwork and waiting we finally made a
deal and were told the ex wife would be removed,XXXX and XXXX would
be added and the mortgage reduced to $XXXX. This was XX/XX/2016. The
stipulation was we have to make 3 consecutive payments of $XXXX and after the 3rd
payment the new loan would take effect. We made our payments as instructed and the
day before the 3rd payment was due we were told our loan would be sold. When asking
if they can get the modification done first I was told (see attached) the the new loan
company would honor the agreement. That was the last I was able to communicate with
our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the
paperwork as there is no way we should have to do it all over again. We held up our
end of the bargain now Selene needed to follow through with theirs. I found it
interesting that they made the deal with us the same day the loan was sold even
though we were not notified it sold until XX/XX/XXXX....This actually been a two year
ordeal..the bank before Selene was horrifying as well and I had made a complaint to
you about them. They conveniently sold our loan to Selene before ever doing a loan
mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a
company to follow through with their promises. We called the new bank, XXXX
and they said they don't have everything and they still have the old mortgage and the
original names. Meaning nothing of the new deal that Selene promised us is in their
records. What I want is our loan Mod that Selene agreed to be in place ASAP with no
more paperwork' It should have just transferred over since we did what we were
supposed to do.The latest response from Selene was that we need to communicate
with the new mortgage company and that they "should" honor the agreement we had
with Selene. The problem is the new mortgage company has no paperwork on us, no
proof from Selene that this agreement was ever made. We need Selene to give the new
mortgage company (XXXX)  a detailed laetter describing the agteement we had with them which is 1. removing XXXX from the loan. 2. Adding XXXX and XXXX to the loan. 3. Reducing the mortgage to fair market value of $XXXX. We need this done immediately! This has gone on for MONTHS!!
Company called me about a credit card bill from 1 year ago. I tried to explain my situation, but it seemed like the representative wasn't hearing it. She told me that if this bill wasn't paid by the end of XXXX further action would be filed against me.
I had funds from a XXXX that were rolled over automatically to an IRA account. I was notified over 30 days ago and forgot about this. Today ( XXXX/XXXX/2015 ) I received a letter saying I have 7 days to close the IRA account if I do n't want it. I have option to roll over these funds to an existing IRA with another bank. The issue here is the letter was dated XX/XX/XXXX and the IRA was opened XXXX. Today is the XXXX day and I have zero recourse. I argued with these people over the phone today ( XX/XX/XXXX ) and got no where to resolve this problem. A supervisor is or was supposed to call me back, but that never happened. It 's not my fault the postal service delivered the letter late. Now they 're telling me I have to fill out a bunch of forms to open the account I do n't want in order to access my funds. I want proper recourse that I was intended.
This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.
My loan was transferred to Loan Care. I received a letter sometime in late XX/XX/XXXX ( letter datedXX/XX/XXXX ) that my loan was being transferred. The transfer effective date wasXX/XX/XXXX. My XX/XX/XXXX payment was mailed and must have been lost and it never appeared. During this time we decided to sell our home and buy another. We did not find out about the payment issue until our current lender ( we have not closed yet due to this problem ) informed us that we had been reported being late 2 times for 30 days. How is this possible? We believe no late should have been reported. The transfer was handled very poorly and there should be some time allocated when a loan is transferred. I read in your website that they should not report me. We are now in limbo as the sale of our home has closed and we have paid the loan off on XX/XX/XXXX.
Im willing to pay {$1800.00} to Harris & Harris the collection company has refused to except my payment of {$1800.00} as paid in full regarding account number # XXXX. Its my understanding that the original debt with XXXX XXXX that the account has been sold to the collection company Harris & Harris which gives the collection company full authority to except my payment as payment in full. I spoke to Harris & Harris the collection company this week and was told they could not settle the account that XXXX XXXX wouldn't allow then and that i needed to contact XXXX XXXX. So i contacted XXXX XXXX in XXXX XXXX Nv and spoke to XXXX in billing and he told me that he would get ahold of suppervisor XXXX and see if he could except my {$1800.00} AS A PAYMENT IN FULL. I called back and was informed that XXXX XXXX could take payment as Harris & Harris had full authority over my account.
My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you
To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
The FCRA requires the credit bureaus are required to block fradulent information from the credit report so that it can not be re-inserted irrespective of the creditor 's wishes. Transunion failed to block all information and there was a fraud related XXXX XXXX XXXX account that they initially deleted and now have re-inserted it on my credit report, thereby violating the FCRA
My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
ADP is seeking to garnish my wages! They are informed that the court date to clear false and disputed debt is scheduled for XX/XX/XXXX at tha XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX. ADP XXXX XXXX XXXX XXXX, XXXX XXXX I have requested a release order from XXXX XXXXPA who keeps changing their name to create confusion.
I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. InXX/XX/1933President Roosevelt passed HJR 192,  XX/XX/1933- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10.  This law protects the people from damages caused by the Federal & State.
They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
They did not process my payment when they said they would and charged me {$140.00} in extra interest, admitted to me on XXXX separate phone calls it was there systems fault then today determined I had to pay the interest anyway despite a screen shot showing the payment conformation of XX/XX/XXXX. They keep giving the run around and are auto deducting the money from the account.
From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXXl via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX / XXXX XXXX.
Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and TransUnion credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my TransUnion credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither XXXX  nor TransUnion with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
I submitted a dispute to Synchrony Bank/JC Penny on XX/XX/XXXX around that time. I received a response from Synchrony/JC Penny on XX/XX/XXXX. The letter stated that they were reporting information accurately. I received copies of my credit reports from XXXX, XXXX and XXXX. The letter stated that the JC Penny was opened on XX/XX/XXXX my XXXX show open XX/XX/XXXX. The XXXX report has Date of 1st delinquency XX/XX/XXXX but no payment history to validate is on the report. There is no date of last activity. XXXX last payment made XX/XX/XXXX payment history show XX/XX/XXXX. No date of 1st delinquency and no date of last activity. XXXX  has status as Closed, no date of first delinquency and no date  of last payment made
XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX  The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.
received limited time offer for credit card offering up to  XXXX   XXXX   XXXX  miles. Applied using unique invitation number online ... then was instructed to cal l citi ... which I did..Representative asked me to identify myself and asked if I had applied..I said yes ... after a moment  she said card was approved and I would receive in about 7 days.   In my email today I have email dated yesterday  (   X/XX/2017    ) at  XXXX   XXXX  saying credit card was approved and i should be receiving in 7 days ... ..then another email sent several hours later saying application was under review and i would receive more info in a week. M y credit score i s over  XXXX  so am confused and upset that I was told verbally and online that card was approved ... then that application is " under review. I can supply documentation ... .limited time offer letter and emails if needed. The bank involved is  Citibank NA.   invitation number  XXXX  ... ..application number  XXXX
XX/X/17 - I called them to start payments on the amount owed of {$590.00} - they are asking for payment of {$800.00} - they are adding a fee of {$200.00} - is this legal?
I keep getting letters from XXXX XXXX XXXX for debts that ARE NOT mine. How do I get them to stop harassing me?
I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX XXXX on XXXX XXXX, XXXX for XXXX} and have made monthly payments of XXXX} since. My balance is at XXXX. After XXXX years of paying {XXXX on a XXXX loan I have only paid less than XXXX} in principle. My payment this month went XXXX XXXX toward interest XXXX after XXXX years of paying ) and my payment last month of XXXX only put XXXX  toward principle. In early XXXX of this year I paid XXXX and asked that it put directly toward principal as it was besides my normal payment, Santanders put XXXX toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the XXXX toward principal and this last payment, none.
On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. 
On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. 
Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. 
I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. 
I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.
I have contacted BOA on numerous occasions, by phone, email, and mail. I have also created numerous disputes online. My BOA account was sold to XXXX XXXX  XXXX in XXXX, my BOA account is still currently reporting to the credit bureaus incorrect information. In XX/XX/XXXX BOA showed a 30 day late, this account was not serviced by BOA in 2 years and the account hasn't been late in over a year. How BOA is showing a late is unknown. Also XXXX XXXX has since gone through and included all reporting of the mortgage since I originally  obtained the loan in XXXX. So I now have lates showing up on my credit from BOA in XX/XX/XXXX which isn't correct ( wasn't late ) but also have double reporting of negative lates in XX/XX/XXXX-XX/XX/XXXX. 

I have spent countless hours on the phone trying to resolve this issue, XXXX went through the account and provided an accurate report of lates as they are now servicing the account.