WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.
This account was settled by XXXX because item ordered didnt work. I mailed items back. Amount was removed, but somehow got sold or sent to portfolio recovery. The disputed amount is XXXX. I can not get anything accomplished. Please help me.
XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.
On or about XX/XX/XXXX, I received a business loan from American Express Company. The loan amount was {$15000.00} and the proceeds were transferred to a credit card in my name. Unfortunately I provided an incorrect account as the transfer resulted in a large overpayment/credit balance. 

This then triggered a return of the funds or a partial return as some of the funds were in fact used to pay off the balance that did exist on the receiving credit card account. This electronic transfer of funds back to the Payer - American Express was executed on at about XX/XX/XXXX. While American Express has confirmed receipt of the monies on or about XX/XX/XXXX, they still have not applied the monies to my " outstanding balance ''. They have contacted me on at least two occasions to apologize and reassure me that they are trying to track down the returned funds. To date this has not happened and I remain with an outstanding loan balance which is inaccurate, an inability to request a new loan and a credit score that is adversely impacted by this AND I am unable to use the funds that were originally requested, approved and issued. 

Please help!!!
On XX/XX/XXXXI recieved a notificaiton from my credit report. Midwest Recovery Systems reported to my credit report on XX/XX/XXXX stating I owed them {$480.00}. I have never heard of this company nor the company they are collecting for. I have researched their name and have read multiple reports that this company is a scam. I have also researched the name of the company they are collecting for and they do not have any record of being in the state of Utah. I have not contacted them due to not having sufficent information or a letter/notification stating that debt was due. I am afriad to contact them due to identity theft which may be a possibility.
Student loans transferred on  XX/XX/XXXX , {$13000.00}. Utah  Higher Education Assistance Authority  added ( {$13000.00} ) to my outstanding balance above. See attachments. All  four  loans fixed interest rates are   XXXX   %.   1.  XX/XX/XXXX -balance {$2000.00} ( monthly payments ( {$31.00}  )  unsub loan 2.    XX/XX/XXXX -balance   {$2200.00}  ( monthly payments ( {$33.00} ) sub loan 3.    XXXX  - balance {$4500.00}  XXXX   monthly payments ( {$63.00} ) unsu b loan 4.  XX/XX/XXXX - balance {$2400.00}  ( monthly payments ( 37.05 )   sub loan Monthly principal payments on each individual loans plus the accrued interest is added. Paying more towards each principal balances are not being applied correctly towards all four loans. There 's know way my accured interest is higher then each individual loans. They are applying my extra principal payments towards interest that I have not been accured yet. I have repeatdly ask them to correct my payments and apply my principal payments to the principal balances. My  XXXX  payment in  XXXX  of {$340.00} was applied towards interest and not towards my principal balance. On  XX/XX/XXXX , I wanted to pay off loans (  XX/XX/XXXX  unsub ) and (  XX/XX/XXXX  sub ) I was told I could not pay off my student loans individually in full and that the payment would apply towards the entire balance. I toldd them that I had the right to pay off my small loan balances. The representative said its their policy to split my monthly payments towards each loans and that if I paid both those dollar loan amounts it would not be applied towards thos e two loans  but split payments towards all loans leaving both loans outstanding balances. Where does it say or state that a graduate student is n't allowed to pay off some of their multiple loans? Also I requested that my standard repayment pay off debt be changed from  XXXX  to  XXXX  so that these loans could be paid off sooner. Also refusing to send me copies of all paper work they received from  XXXX . I have not received any statements they received that itemized my all my payments since  XXXX - XXXX . Overall, my monthly payments are not being applied correctly and monthly accrued interest is being over paid when I have not missed any payments since Utah  Higher Education  Assistanc e Authority a ssumed my  four  students loans.
I filed a Bankruptcy on XX/XX/XXXX because I Lost my job, divorced, and going thru a XXXX due to a very XXXX. In the bankruptcy I redeem the house to the bank XXXX, I was waiting from XXXX to do the process to take the house back from me because I 'm unable to afford it because of my income now. I never received any letter from XXXX indicating that they sold the Loan to NationStar Mortgage. ON XX/XX/XXXX I received a loan modification papers from NationStar Mortgage offering me a loan modification in which a never agreed, signed or made any payment to accept that offer. 

On XX/XX/XXXX I check my credit report and I discovered that NatiionStar Mortgage reported in my credit report that I was in a partial or modified payment agreement, 180 day past due, and 360 month mortgage in which in the modification paper said XXXX ( XXXX Years ). It is to many discrepancies on the information reported to my credit report, which I need to know what they doing. I have papers that proof everything this letter said, I do n't know what to do, I did a bankruptcy believing that it was going to be a new start and now the past is coming back to me. I thank you in advance for any help you can provide me.
Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me. 

My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX   of the XXXX near the back of my XXXX. The condition results in something worse than XXXX   that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber. 

I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.
They started to call me one day and said the name of the person they where looking for and I told them many times I don't know who the person is they're looking for nor have they ever lived at this address with this number. Now they call me several times a week. Every time they call it's a different person from the same number asking about this person and I keep telling them the same thing. I don't know how they got the name mixed up with this number but they have the wrong contact information.
This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.
XX/XX/XXXX TO : THE CONSUMER FINANCIAL PROTECTION BUREAU What is the complaint about? Nationstar Mortgage Fraudulent Activities/Harassment What type of problem are you having? Fraud, Harassment What Company is involved? NATIONSTAR MORTGAGE Who are the people involved? I act on my mothers behalf and was granted power of attorney. My mom, who is XXXX, was diagnosed with XXXX. What Happened? On XX/XX/XXXX my mother received a letter from XXXX XXXX, Chapter XXXX Trustee informing her the Chapter XXXX Plan was in the closing process and from this date forward to make mortgage payments to Nationstar Mortgage, LLC in the amount of {$1100.00}. Nationstar was ccd and received a copy of the letter. Since XX/XX/XXXX to present, payments in the amount of {$1100.00} have been made to Nationstar. On XX/XX/XXXX, we received notice from our attorneys the Chapter XXXX plan was discharged. On XX/XX/XXXX, we received a letter from Nationstar stating the account is delinquent and listed the default date as XX/XX/XXXX. Nationstar alleges the account became delinquent prior to the XX/XX/XXXX, discharge date. They are making this claim even though on XX/XX/XXXX, they filed a Response to Notice of Final Cure Payment checking the box that they agree that Debtor has paid in full the amount required to cure the default on Creditors claim. I called Nationstar and they insisted the {$1100.00} payments were partial payments and the correct payment amount is {$1500.00}. I subsequently reviewed Nationstars online report which showed they were posting payments of {$1500.00} although the stated amount to be paid {$1100.00}. From XX/XX/XXXX to present, Nationstar has called on a daily basis numerous times throughout the day. These calls continue despite the fact Nationstar received notice we have legal representation. On XX/XX/XXXX, our attorney sent a letter to Nationstars attorney who filed the response to the final cure, and to date, Nationstar has not responded. On XX/XX/XXXX, our attorney filed a Motion to Deem the Mortgage Current and a hearing was set for XX/XX/XXXX. Nationstar did not attend the hearing or respond to the attorneys correspondence. The court wrote its tentative ruling on our motion to deem the account current. On XX/XX/XXXX, our attorney informed me the Court will send the final order to Nationstar. Despite the legal actions, and ruling in our favor, Nationstar continues to call and harass my mom and I daily. I have documentation to support our position, however I can not not share all of it as it is protected by the attorney-client privilege.
Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.
I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.
On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.
Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.
On XX/XX/XXXX, I sold my Bitcoin, XXXX was to be transferred back to my checking acct. As of today, I have not received the money. I have attempted to call and I have sent an 32 email expressing my issue, no response. I have also sent a copy of my complaint to Coinbase Customer Support -XXXX XXXX XXXX, XXXX XXXX -XXXX   XXXX , CA XXXX. I have called their support line 5 times, listened to the automated answering service for 45 mins. Never talked with anyone. I have received a XXXX XXXX from Coinbase 3 weeks ago saying they would send me research and send me an response. I have never received a response. There are many, many coinbase users XXXX  the same issues, waiting for their ACH or Debt refunds. This is unexceptable and should be investigated. Coinbase boast of the millions of dollars of profits for 2017. I just want my money from selling my BitCoin.
Inquiries Transunion company report 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX  XXXX 3 ] XXXX XXXX 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX  XXXX 6 ] XXXX XXXX  XXXX 7 ] XXXX XXXX XXXX 8 ] XXXX XXXX XXXX XXXX 9 ] XXXX XXXX XXXX 9 ] XXXX   XXXX 10 ] XXXX XXXX XXXX XXXX 11 ] XXXX XXXX  XXXX 12 ] XXXX XXXX  XXXX 13 ] XXXX XXXX XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
ok I have been trying to to dispute inaccuracies on my credit report and have had no luck with equifax the accounts that i issues with is XXXX is XXXX communications it is on my file twice i only have XXXX account and i cant get frontier to help and equifax claims that frontier is validating accounts over phone when i have request proof in writing i get nowhere acount has been paid but payments are inaccurate and i ld like account removed from credit file XXXX is a duplicate and still shows balance also XXXX tax leans with the state of michigan has been released and they refuse to update XXXX is a duplicate but i cant get the treasury to help but i would at least like to get update to say paid and satisfied
XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. On XX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.