WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. 
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. 
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. 
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. 
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. 
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
Dear CFPB, I want to report that there has been FOUR different entities claiming ownership of the alleged Note on my XXXX XXXX XXXX XXXX XXXX, CA XXXX property in the last four months. These entities are XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XXXX XXXX, XXXX XXXX XXXX, Trustee to the XXXX Trust X, XXXX, XXXX XXXX, and XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX XXXX.

On XX/XX/XXXX I served a QWR and Debt Validation Demand Letter to XXXX XXXX the new servicer effective XX/XX/XXXX. Copy of QWR Attached.

Attached are the four correspondence letters for confirmation from the following entities including XXXX XXXX XXXX., XXXX XXXX and XXXX First, on XX/XX/XXXX, XXXX XXXX acknowledged that the beneficial interest was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XX/XX/XXXX-XXXX Trust. Also included on the correspondence was a Lost Note Affidavit dated and notarizedXX/XX/XXXX.

Second, On XX/XX/XXXX XXXX XXXX acknowledged that the current owner of the note was XXXX XXXX XXXX, Trustee to the XXXX XXXX XXXX.

Third, on XX/XX/XXXX, XXXX XXXX acknowledged that XXXX, XXXX XXXX was the owner of the note. In addition XXXX XXXX confirms that they have the collateral file, which includes the wet-ink signatures Note for this account. Copy attached to the Correspondence Letter.

Fourth, on XX/XX/XXXX, XXXX XXXX   acknowledge that the investor owner of the note is XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX  Trust.

I'm demanding immediate cancellation of Trustee Sale scheduled for XX/XX/XXXX and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX   County Recorders Office. Please email immediate cancellation of trustee sale confirmation to my email XXXX and respond to my QWR Demand Debt Validation letter pursuant to my FDCPA, TILA, RESPA, FCRA consumer protection rights.

attentively, XXXX XXXX XXXX
TransUnion has no credit history for me. I called multiple creditors and verified that they were reporting to TransUnion and all of my personal information is correct. TransUnion refused to open an investigation or a dispute relating to the fact that they are reporting inaccurate information about me. I have XXXX different credit accounts all in good standing. XXXX and XXXX are both reporting accurately, but TransUnion tells me I have to contact all of my creditors and tell them to contact the TransUnion local marketing department.
I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!
I have been paying Navient XXXX dollars every month for the past 4 years. I had {$100000.00} total in student loans debt prior to start of repayment, however my current balance principle is still little over {$100000.00}. I have not deferred any payments since the beginning. I have concerns regarding how my payments are being distributed. I have paid over XXXX dollars yet my principle has only came down {$5000.00}?? Please take a look into this. I very much appreciate your assistance in this matter.
Debt and personal information was reported to credit bureaus and is faulty and misleading and un-authorized
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
After beginning to pay off my loan with XXXX/Navient, I had paid additional money to pay down the principle of the loan faster. This money was not correctly allocated and only pushed forward my payment due dates. By the time I had discovered this, I had accrued far more interest than was necessary. Additionally, when contacting XXXX/Navient to fix the way that this allocation was being made, it was made extremely difficult to have the money allocated in a way that would make the amount of interest I was paying lower. Navient consistently ignored my requests despite several calls to their service center asking for my extra money to be allocated to my highest interest loans and for the minimum to be paid on each of my others. When calling and complaining about this issue, I was told that I must have given incorrect instructions or that I had not provided the correct information for the payment to be processed correctly despite using the exact methods that I had been told to use in my previous conversations with customer service representatives. I believe that these were intentional efforts to force me to pay more interest on my loans and that XXXX/Navient are defrauding XXXX Americans who are simply trying to make good on paying for their education.
I called Nationstar and requested to speak to my dedicated loan specialist. I referenced their name as listed on my letters and two seperate Nationstar agents refused to transfer me to my loan specialist.
A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
I took out a personal installment loan for {$5000.00}. I realized it was at a high interest rate but never did I realize the excessive rate. I have a payment of {$550.00} per month and yesterday I found out from the creditor that only {$10.00} per month of that is going towards principle. I would have NEVER taken the loan if I had known that was the case. It was not explained to me in the loan process. 

I TOTALLY realize that there are a lots of places out there like this one. I have  had them before but never to this extent. 

My complaint is that creditors should first of all explain this upfront in the loan signing process. Our government laws should but NEVER allow companies to rip off people this way. My credit scores are low but I do make my payments. 

I also want to know the organizations and/or government agencies that are working on correcting this abuse to consumers so that I can follow up with them. 

I will also be sending a letter to congress voicing my option. 

Any information that you can provide me to get involved in stopping this is greatly appreciated.
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent Experian, XXXX, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???
I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.
I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.
I received a statement from Eagle Recovery Associates , Inc., dated XX/XX/2018, directed to a last name I went by almost ten years ago. I contacted the agency to clear up the confusion and let them know it is most likely and error or possibly ID theft because it has happened to me before. The debt they stated I owed was for XXXX XXXX XXXX set up in IL but I've never lived in IL. They were able to pull up records that supported I live in OK and go by a different name. After being on the phone with them for 40 minutes they still would not remove me from owing this debt. I asked them what I can do and they said we will have several long conversations to get to the bottom of what happened and find the common denominator. During this time they looked me up in depth using their resources and continued to go over my previous addresses, supposed acquaintances, and information about my ex husband. They would ask who certain people were and I would tell them I don't know, but I t was apparent they did not believe me because they would ask the same question again multiple times in a rude demeaning tone. This is troubling to me considering I'm not the person who set up this fraudulent account, I do not feel it's my responsibility to get to the bottom of how they let this fraud happen. The individual ended the call stating they needed to do more research and would call me back. Once off the phone with them I contacted the company who they claimed they were collecting the debt for. That company said they have no record of an account under my name or social going back 10-12 years. At this point, I believe there is a fraudulent act of attempting to collect superficial debts by Eagle Recovery or they are attempting to collect from the wrong person they found online and their practices of doing so border harassment and defamation. My goal with filing this complaint is so that their practices can be reviewed to ensure they are treating people honestly and fairly. In addition, I would like to have my information removed from this collection attempt.
On XX/XX/2017, I 've paid in full XXXX education loans. Details are below : 1. XXXX Amount of payment {$22000.00} 2. XXXX Amount of payment {$20000.00} Customer service representative, who provide me with a payoff amount, told me that both loans will be marked " Paid in full '' and I 'll receive electronic " PAID IN FULL NOTIFICATION '' once my payments clear. 
As of today, XX/XX/2017, loan ending XXXX marked " Paid in full '' and I did receive " Paid in Full Notification ''. However, loan ending XXXX still in a payment mode with a negative ( $ -XXXX ) balance. I 've called SallieMae several times trying to solve this problem. Per customer service explanation, the negative balance preventing the system from closing loan and generating " Paid in Full Notification '' and the negative balance was due to incorrect Paid off amount given to me. I spoke to SallieMae on XX/XX/XXXX and they promise to me fix this technical issue within 24 hours. Unfortunately, the issue still there and I 'm attaching supporting evidence for you to review. 
Thank you in advance. 
Regards, XXXX XXXX
Around of XX/XX/XXXX.-XX/XX/XXXX I applied for VA Loan modification and during the process I filed a Bankruptcy Chapter XXXX on XX/XX/XXXX. 
VA Lenders First Continental and XXXX XXXX and approve loan modification in which mortgage was still not affordable. 
But I signed documents because of my fear losing my home. 
On XX/XX/XXXX, I also requested for VA Loan modification as mortgage is not affordable and VA Lender had me fill three of four applications for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was denied on VA Loan modification and during application VA Loan modification process Va lenders pull my credit about five times and my credit scores has dropped to around 580. 
On XX/XX/XXXX VA Lenders pulled my credit with XXXX, XXXX and XXXX for another VA Loan modification.Why pull my credit if modification is going to be denied again around XX/XX/XXXX And my home been foreclosed on XX/XX/XXXX. 
I filled all new VA Loan modification application and provide all information requested. 
There is a fraud, scandal and corruptions on my VA Loan with XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX of Texas. 
XXXX XXXX sold my VA Loan to First Continental and XXXX in XX/XX/XXXX. 
Also VA Home purchase and appraisal was inflated to sell my new construction home on XX/XX/XXXX for {$240000.00}. 
No homes was sold for $ XXXX before XX/XX/XXXX.After XXXX XXXX made their profit of $ XXXX than after XX/XX/XXXX some homes was sold around $ 240k, etc. 
I provide evidence to Federal Government on XXXX, Texas comps sales of XX/XX/XXXX a home that was much bigger than mine sold for $ XXXX. 

XXXX XXXX  alongside with XXXX XXXX  of XXXX, Texas are in a fraud, scandals and corruptions on my VA Loan and this why I am having issues with my VA XXXX. At XXXX my mortgage will be much affordable. 
I am XXXX and Retired and on a XXXX fixed income.I am divorced and live alone in my home.
I opened a charge account with XXXX XXXX XXXX ( credit file ending in XXXX ) in the early months of XX/XX/XXXX. On XX/XX/XXXX to XX/XX/XXXX,  I generated a balance of {$370.00} and made a payment of {$120.00} on XX/XX/XXXX ending with a balance of {$250.00}. Then on XX/XX/XXXX, I paid {$100.00} on the {$250.00} balance leaving me with a balance of {$150.00}. Then on XX/XX/XXXX, two later, I paid the {$150.00} that was showing my remaining, {$150.00} to establish a XXXX balance and account paid off like all my other creditors as always on time and never late and always make payments greater than the minimum due. Then XXXX added {$4.00} to my account in error and I did not know that they had done this. So then Experian and the other credit agencies posted a late payment to my credit file resulting in me going from excellent credit to fair credit and my credit score went from XXXX to XXXX. I communicated with XXXX and they agreed to send a letter to the credit reporting agencies to omit the late payment and to state my account as closed/XXXX balance and current. they even issued me another charge account ( # XXXX ) which I have not used yet. I have waited 30 days for Experian to update my credit file and they have dragged their feet and refused to change my credit file. I did receive notification from XXXX XXXX that my file was updated but Experian is not co operating and when I tried talking to their Dispute department, a female representative was very rude to me and unprofessional and hung up me. This why I am filing this complaint with you and seek any assistance that I can get in this manner. Thank you very much.
I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT IN COUNTLESS LETTERS OF DISPUTES AND CERITIFIED LETTERS BEGGING AND PLEADING WITH THEM TO REMOVE FRAUDULENT INFORMATION OFF MY CREDIT REPORT THAT RELATES TO MY NAME AND HOME ADDRESS INFORMATION. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND BY NO MEANS HAS THIS EVEN MOVED EXPERIAN BUT ACCORDING TO THE FAIR CREDIT REPORTING ACT THEY ARE SUPPOSED TO REMOVED THE INFORMATION IMMEDITATEDITY ONCE NOTIFIED WELL IT HAS NOT BEEN DONE AND I AM HIGHLY UPSET.
I applied for a personal line of credit  at Wells Fargo  on  XXXX   XXXX  over the phone and received a letter of denial that shows my credit of  XXXX  from  XXXX  on  XXXX   XXXX  but the credit monitoring service that I pa y Wells Fargo for clea rly shows that my   XXXX    score was  XXXX  in  XXXX .