WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX XXXX XXXX writing this complaint. I am a resident of XXXX, CA and have my residence at XXXX XXXX, XXXX, CA XXXX. I had purchased this property from a company called XXXX XXXX XXXX in XXXX. This company got closed and was shut down due to Bankrutpcy. Later, various banks such as XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and The XXXX started sending me letters on the property claiming Illegal and Fraudulent Ownership on my home in XXXX, CA. In the year XXXX, my then attorney, sent legal notices to these various banks and also filed complaint with The California XXXX Department XXXX XXXX XXXX and The XXXX Office XXXX Controller of Currencies and filed serious complaints against these banks. Recently, on or about XXXX XXXX, XXXX, The XXXX Mortgage XXXX and XXXX XXXX XXXX illegally and fraudulently claimed ownership on my home and they allegedly sold my property through illegal auction sale and sent some people of their own in my home criminally trespassing my home, and taking unlawfull possession of my home, all my personal belongings and other property. I never had any Truth in Lending Agreement signed between myself, or my exwife XXXX XXXX and between any of these banks, and/or specifically with The XXXX Mortgage XXXX and XXXX XXXX XXXX. I believe that The XXXX Mortgage XXXX and XXXX XXXX XXXX is barred by the State and Federal Statutes to enter into another TILA with me and/or with my ex wife, XXXX XXXX. The XXXX Mortgage XXXX and XXXX XXXX XXXX were previously on Notice throuth The California XXXX Department XXXX XXXX XXXX and the XXXX Office of Controller XXXX Currencies on this matter. The XXXX Mortgage XXXX and XXXX XXXX XXXX have unlawfully entered into my home, occupied it unlawfully as Constructive Trust and as Adverse Possession without the Color of Title and without the Color of Law and Authority. Criminal charges must be filed against the officials of the XXXX Mortgage XXXX and XXXX XXXX XXXX immediately. I am gravely hurt and I need justice. This complaint is an Administrative Lawsuit against The XXXX Mortgage XXXX and XXXX XXXX XXXX. I seek the assistance of the XXXX Consumer Finanical Protection Bureau in this matter at the earliest. Respectfully Submitted, XXXX XXXX.
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with XXXX with a balance of XXXX.
I have sent XXXX, XXXX, Experian multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent XXXX   ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Hello my name is XXXX XXXX. I am sending this message to TransUnion. I contacted you on various occasions due to an errored account that is listed on my credit profile. I asked kindly to send me any documents for proof, no one responded back. I sent in certified mail to your address and still I have n't received any response since XXXX. If you ca n't verify its mine, the account should be removed immediately by law. A company ca n't verbally verify an account without a document with the consumers signature so you are breaking the law FCRA, I did n't give anyone consent to open any accounts under my name, credit profile or social security. It seem that someone used my identity at the time. I refuse to accept an errored account that is n't mine and you ca n't prove that it is. A billed document is n't proof, and if you attempt to send me any documents with a forge signature, I will consider taking legal actions filing a civil suit. I am waiting for a response immediately. Remove the error off of my credit profile permanently. It 's a fraudulent account. Please be advised that upon your request, I will be sending this information to the FTC, posting your company on public record, filing a law suit against company.
I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.
I noticed an account on my credit bureau that was showing derogatory on my files. The account belonged to HSBC bank, so I called the phone number that appeared on the credit report and a representative informed me that she was not able to locate the account or there could be a possibility that the account was sold. I informed the customer rep. that i had disputed the information but it was verified and HSBC stated the debt was valid. I have never opened an account with HSBC bank, and i was wondering why are they reporting on an account that they do not have any information on. The customer rep informed me that i should continue disputing it with credit bureau again. I again disputed XX/XX/2015. and the information came verified again. Its infuriating that a non existence and bogus bills are being collected and reported on my credit report which is very inaccurate.
I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.
There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. 

Santander Conumer USA XXXX XX/XX/2017
I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter.
I have no knowledge of the said collection account.I have no knowledge of the said collection account and would like it to be removed from my credit reports because it is affecting my score negatively.
This two with XXXX XXXX XXXX Account Number XXXX Account TypeCredit Card Terms Revolving Date Opened XX/XX/2016 Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/2016 is not mine, they was removed from my report and then added again by EXPERIAN As a result my credit keeps decreasing. to. This increased my XXXX level causing my XXXX XXXX to increase and I began to have further issues with my XXXX. I ended up having emergency XXXX.
I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX
I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.
On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.
I have sent and call both XXXX XXXX, XXXX, and Equifax regarding TWO unauthorized charges on my reports for XX/XX/XXXX and XX/XX/XXXX. Both of which was not authorized by me. I sent faxes to Equifax and XXXX requesting an investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald
XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you
On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

XXXX  was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).

To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
I have requested validation of a debt listed on my credit report from University of XXXX also listing their information as XXXX. I have never borrowed any sum of money from the University and I have asked them numerous times to prove the loan source. None of this information is listed with the Department of Education which is the actual lender for school settings.
Chase Bank is rearranging payments from my checking accounts and charging overdraft fees on payments that previously were paid and changing the transaction dates on my statement to match the fees that they have assessed me. This has been going on for some time. When I question them they always justify it. On XXXX XXXX I took a flight from XXXX to XXXX. I checked my bag at the airport. On XXXX XXXX my XXXX payment if {$410.00} was submitted which I knew I would get a fee on. When I checked my account the check bag fee was now moved to the XXXX along with the XXXX payment. The money for my checked bag was applied to the XXXX payment and now I have XXXX overdraft fees. They have rearranged my payments as far as 4 days back in order to charrge me overdraft fees on previously paid items. When I receive my statement my transaction date for the check bag fee will be XXXX XXXX instead of XXXX XXXX the actual day of the transaction. I can not prove how many times over the past years that this has happened because the transaction dates on my statement are changed to match the dates of the overdrafts. I dont mind paying for legitimate overdrafts but not for overdrafts manufactured by the bank.
I have disputed the late payments on thisXXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I purchase per paid card added money, then they denied me from being able to use it. The only explanation that would give me was that the count was frozen. After the fact they took my money, but not allowing me to use it. They decided that I was able to receive my money back with in twenty days, as a check. Netspend prepaid will be the last time I will ever use this company
XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX  visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX  ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.
Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.
I received a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX
MoneyGram wo n't  let me using online service ( sign up account, send money via online, ... els. ) This is not fair. This company is so racing to human.
I purchased a pair of products online on XX/XX/2018 for {$27.00} each. The company provided the wrong kind of product, so I contacted Bank of America to open a fraud claim for " products not as purchased. The investigation by BoA found no wrongdoing by the company, even though I have documented evidence of the company 's mistake. Bank of America has now withdrawn the provision credit they provided and it has overdrafted my account.
Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose