WillisBack/dataset-financial-user-claim huggingface dataset:
Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX  on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation  on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Earnest Operations, LLC is using deceptive and unfair lending practice in regards to their student loan refinance product. They are requesting 10 day payoff letters from your institution that your are refinancing your loan with ; however, they are experiencing a XXXX backlog in payoff processing. They are not making any consumers aware of this back log until after they sign final loan documents. This places many consumers at peril or higher interest expense, opens them up the possibility of incurring late fees from their previous lenders, and the possibility of negative credit bureau reporting due to their lack of ability to process payments in a timely manner. I work in the XXXX and have the skills necessary to protect myself from these instances ; however, not all of their customers will have the level of financial sophistication that I have. I have already had to incur higher interest expenses as a result of their actions, and want to protect further consumer from being harmed. I would welcome a phone call to discuss the entire situation in its entirety.
I opened and funded a Citi checking account back to XX/XX/2018. 
The promotion I opened account with is " get XXXX $ cash bonus after maintain XXXX in account for 60 days ''. I completed required activity in early XXXX, 2018. So I should get cash bonus early XXXX, but I didn't. 

I contacted Citi about this and opened a case on XX/XX/2018. I called Citi twice on XX/XX/XXXX and XX/XX/XXXX to check case status, but there is no any update on it. 

I hope CFPB can help me solve this dispute issue. Thanks
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Bank of America has the wrong social security number on my account # : XXXX. XXXX is not my social security number. I want Bank of America to update their records with my correct social security number and date of birth which is : Date of birth :XX/XX/XXXX SSN : XXXX.
in  XXXX  2015 a medical bill with   XXXX   XXXX   XXXX     XXXX   XXXX   Tn was reported to collection agency even though i had made applications for financial assistance because I make below poverty level income.   XXXX   XXXX   turned the acct {$2800.00} over to a collection agency Affiliated Creditors Inc in   XXXX   Tn. When I received the letter from the collection agency i contacted them and was told that if I set up payments and paid them there would not be a negative report sent to credit Bureau. I have paid every payment of {$50.00} for a year and a half Before it was due and even extra Payments some months even though i did not have the extra money to meet the obligation We agreed to. These payments have been in full and on time for 18 months! I was able to get my credit report today and the first thing on it is a negative from this company or   XXXX   XXXX   opened in  XXXX  2015 showing the acct closed and payment status UNPAID and comments UNPAID and Below in payment history it shows NO PAYMENTS made! I have a copy of every check mailed and a paper with all the acct info that was mailed with it showing I have been current even paying before it was due Even though they will not bill you I still paid on time EVERY MONTH! I had a   XXXX   XXXX   and have been sick for a long time It is so frustrating when you try to do the right things to protect your credit because that is all i have since my income is so low to live on sometimes. and people like this collection abency dont care and dont even try to do whats right. I hope some one can help me because I Have been getting bad treatment from the begining with not getting financial assist from   XXXX   XXXX   XXXX   to this collection agency ACI ruining my credit by not reporting the truth to the credit Bureau Thanks for any Help  XXXX   XXXX
Duel Tracking, poor and deceptive practices, mortgage fraud, modification fraud and foreclosure fraud. 
No written determination issued by Appeals Department on XXXX XXXX escalation. 
Bank of America made knowingly false statements and representations after my appeals were GRANTED. 
A Notice of Default has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 by a known Bank of America 3rd party affiliate XXXX XXXX XXXX XXXX ( XXXX ), refer to recorded document number XXXX.
To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. 
I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter.
My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX  for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. Please help.
I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to current.
McMullough Payne Haan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are threatening to file lawsuit against me for an old debt that is over 12 years. I received a letter from McMullough dated XX/XX/XXXX, I disputed the debt. Today I received another letter stating that a judgement was entered against me and they attached a judgement for dated XX/XX/XXXX In my letter to them I explained that I do not owe this debt and that the statute of limitations has expired according to the Fair Debt Collection Practices Act ( FDCPA ) and the State of Georgia. However they are yet to respond to my letter and they still continue to send letters and continue collection efforts to collect an old debt that I do not owe.
After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further, how can someone be " late '' on an account that is open for 6 months, ( which equals roughly 180 days ) 55 times at a rate of 90 days each time? Did that get you confused too? That would mean I had a contract with them for roughly XXXX days. So that would mean I was late everyday for 3 years straight. Can someone please tell me with a straight face that this is fair? 
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken, are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation, which I can not, to the apartment management company who has just seen this on my credit report this week.
Chase has charged me extended overdraft fee's about two times already. The best part is yet to come, during the XX/XX/XXXX holidays Chase thought it would be a great idea to prey on my bank account and manipulate my transaction orders so they can maximize the overdraft fees they decided to charge me. On XX/XX/XXXX one of my accounts was charged with a payment I had set up for $XXXX I went and deposited $XXXX into my other account and did a instant transfer to cover the payment before XXXX XXXX. I than wake up on XX/XX/XXXX to see my account NEGATIVE little over 300.00 transaction's that magically were organized from biggest to small and than my instant transfer look rigid in one of my accounts I had no money in ended up with $XXXX dollars and the one I did the instant transfer to NEGARTIVE $XXXX. Chase is a predator and does so many fraudulent activities to it's customers it's just so sickening to me how there has been a class action law suit before about the same thing and they go and do it again.
Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. 

Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX
Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.
from  XXXX -2017 I have been asking AMSHER COLLECTIONS SERVICES for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
I have tried calling, via certified mail and get no response other then a standard auto reply! It wasnt a signature showing I requested the inquiries on my TransUnion report! XXXX  and XXXX have deleted ALL inquires! Still I had no SIGNTURE showing proof my next step is to sue!