WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.
I could add money on the XXXX card and then load the money to my XXXX account for my daily spend. But I did not notice the pin has already been scratched when i purchased this card and in this case the money load will directly go to the first purchaser who originally scratched the pin and loaded some money. And this happened at the XXXX store.After I went home, I found that the pin was scratched and called XXXX card and I immediately called XXXX to file a dispute. They have identified that it is a fraud and has requested XXXX to suspend the XXXX account of the original purchaser of this card and instructed me to file a police report to further get my money back. 
After I filed the police report and the officer who was in charge told me that he contacted XXXX and XXXX told him they would not disclose any info unless there was a subpoena. 

Again, I filed a dispute regarding this with my XXXX card which I used to make the purchase but it was denied due to the documentation provided by XXXX that it was activated. Yes, it was activated but the money went to the theft who put the used XXXX card in the first place
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the Better Business Bureau and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Phone service was suppose to be disconnected. Because I was lied to about services offered. They waited longer period of time to disconnect and then wanted to charge me more.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX - XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New  XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX, Tire Dealers XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. 
Inquiry details XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX   XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX   XXXX, FL XXXX
I took out a loan so my son could complete his studies. afterward, I lost income due to the fact my son was hospitalized and I had to become his caretaker. I ran out of money and became XXXX  for several years. I continued to send monthly payments to the agency that was a lot less than the amount expected and shared with them my difficulty and continued to make payments of the lesser amounts. Several times via phone calls I was promised to be given break because of my dire financial straits. I continued to be diligent on making payments of the lesser amounts often and told if I did make payments of at least {$40.00} monthly religiously for a year, I would be in an ln forgiveness program and my debt would be wiped away. Last year I got another call asking me to increase my monthly payment to {$80.00} a month with the same promise. I got another call with a complaint from the same agency agreeing that the previous callers dropped the ball and did not record the verbal agreement. They are threatening to force my current spouse to pay the bill in full, he is not responsible for this loam. They want to force me to sign new paperwork lying that I rejected an offer for a lower rate, then telling me getting the lower rate is not going to help me. 
I sent them a letter telling them I am still making payments of {$80.00} monthly as previously agreed upon and will continue to make these payments. This threat of making my husband pay monies he does not owe will again put me in a homeless situation!
On XX/XX/XXXX I purchased a XXXX XXXX and gap  insurance. My finance company was Chase auto finance. On XX/XX/XXXX my XXXX was totaled. My insurance at the time XXXX. Paid Chase auto finance XXXX. My Gap insurance paid the rest. Chase auto finance still says I owe them XXXX. I have disputed this information and submitted documents. To XXXX and XXXX on two Occasions. This information still remains on my credit as unpaid. The documents below will prove I am telling the truth. Proof of what XXXX paid and proof of purchase of gap insurance.
The credit bureau ( Transunion ) placed a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on my credit file report, then starting reporting the fraudulent accounts and data on my credit file report. Although, I sent my identification that verified my current and former address as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the credit bureau continues to report the fraudulent account and report it as accurate.
On XX/XX/XXXX I received a call from XXXX XXXX XXXX, specifically from a lady by the name of XXXX XXXX, who asked if I was still interested in refinancing. I told her no, explained that I was working with my lender because other lenders have not been able to assist with my needs. I told her I did n't want to speak to an account rep/exec because I did not want an inquiry made on my credit. She assured me that there would not be an inquiry made on my credit without my permission first and transferred the call to XXXX XXXX. I spoke with her and she gave me some possible lending options / scenarios but never asked if she could pull a credit inquiry. A few days later I received a credit score disclosure document from XXXX stating that a report was prepared for XXXX XXXX. I contacted XXXX XXXX immediately to complain and ask that the inquiry be removed from my credit. OnXX/XX/XXXX XXXX XXXX contacted me and he notified me they would not remove the inquiry because they had " permissible purpose '' to pull inquiry and also express consent based on lending tree interest application I filled out. I was told that they would send me a copy of such, which I am waiting on. I called lending tree and was told that the only time express consent is given to run credit inquiries without prior permission is for car loans and credit cards. I also made a call to XXXX XXXX XXXX general counsel XXXX XXXX. He said he would look into the matter and get back to me. I asked that he pull and listen to full call from the point the dialer made initial contact with me so that he could hear the full discussion I had with both XXXX XXXX and XXXX XXXX. I was assured by XXXX XXXX that I would not have any inquiries made on my credit without my permission. When I spoke to XXXX XXXX he said he only listened to portion of call with XXXX XXXX. I asked him to listen to the full call as well, and he told me that even if XXXX XXXX told me that an inquiry would not be made without my permission does not mean it is so because they could run an inquiry as long as they had a permissible purpose, which was me speaking with account executive. I explained to him that I did n't even want to speak to executive and made this very clear, and that I would have just hung up if it were n't for XXXX XXXX assuring me that no inquiry would be made on my credit. Every other lender that has contacted me has asked permission to run my credit, and I have said " no '' each timeXXXX XXXX XXXX XXXX was deceitful in their tactics and practices, and made an inquiry on my credit knowing that I specifically asked them not to. I will be pursuing a lawsuit if they do not take the proper action to rectify their mistake.
I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of XXXX.
I went to the Equifax website and I was told that I may be a victim of the Equifax hack. They wanted me to sign up for their fraud alert system, but this would place me in binding arbitration with no legal recourse if I am effected by identity theft. This is not ideal for consumers.
agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF
first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..
I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my report.
On XXXX XXXX, 2016 we received a past due notice from Huntington National bank XXXX, Ohio concerning our car loan account # XXXX XXXX XXXX XXXX XXXX. Because we pride ourselves with prompt payment and meticulous records we knew that we had not missed or been late on a payment. Upon calling the bank { ( XXXX ) XXXX } I got the sense that they are as certain that we had made a late or missed a payment as we were that we had not. Here 's what happened. Upon review of our records and checking with our bank we discovered, as the attached ledger sheet shows, that we had issued a check ( # XXXX ) of {$230.00} on XXXX/XXXX/2016 for the XXXX/XXXX/2016 payment. You will notice that there is a check mark beside the amount XXXX to last column on the right side of the ledger sheet which indicates if a check has been cashed. This ledger entry is highlighted in yellow. There is no check mark beside the car payment and our bank ( XXXX ) confirms that it was not cashed. Also enclosed is a scan of the depleted coupon payment book for that account with XXXX shown as detached indicating that it had been sent. We canceled payment on check # XXXX, at personal expense, yesterday XXXX XXXX, 2016. We realize that we still owe the XXXX payment and are prepared to reissue payment ; however it concerns us greatly that this check was lost or misplaced and not applied to our XXXX payment and Huntington National bank has just now, in XXXX, discovered that fact and sent us a late fee demand and will report it to credit agencies.
Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.
On XX/XX/2018, I deposited {$200.00} into coinbase by purchasing ETH from them these funds were not made available to me. When I tried to send them to another wallet they didn't transfer. I was told that within 30 days if the transaction is not delivered it would return to my account. Later, when I contacted Coinbase customer support again after 30 days, they said the digital Cryptocurrency couldn't be refunded due to its technology. 

The {$200.00} I deposited into Coinbase is gone and the money wasn't delivered to any address. It just disappeared. 
For reference case # XXXX.
on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.
i fell behind on my private student loan, but for XXXX yrs i was under an agreement to make {$260.00} a month payments. i recently completed this agreement, but was met with harassment and belittling comments from a manager at Premier Credit. Berating me because I can not afford to increase my monthly payments and was met with resistance to continue payments like i currently am. In XXXX 2013 they offered me a deal to settle my account for XXXX, but now they are telling me i 'm 16 months behind and our threatening to take more income that i do not have as i 'm a mother of XXXX and a full time student. i am more than willing to continue payments to bring my account to zero, but this company is not willing to work with someone on a limited budget and even insulted the fact that i was on a limited budget.