WillisBack/dataset-financial-user-claim huggingface dataset:
Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
The account is locked, i can't buy new bitcoins, ethereum, etc.
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Case ID: XXXX Updated: XX/XX/XXXX XXXX PDT Created: XX/XX/XXXX XXXX PDT
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XXXX XXXX.
XX/XX/XXXX XXXX
why are my buys disabled?
Coinbase Support
XX/XX/XXXX XXXX
Hello and thank you for contacting us.

Our records indicate that you may be writing in to us asking about a cancelled order or the inability to buy digital currency using our platform.

Cancellations and account restrictions are applied by our automated software, and sometimes in error. If your account or an order you placed has been negatively affected by this, we sincerely apologize.

We definitely want our good customers to be able to buy digital currency with us easily. If you feel that a cancelled order or account restriction was made in error, or you have another issue that needs to be addressed, please reply to this email letting us know.

Also, please take a moment to ensure that you have verified your ID with us. You can double-check this by navigating to https://www.coinbase.com/XXXX and checking to see if your ID document is on file with this. Please note that we may not be able to review your case until that document has been uploaded.

Thanks for your understanding as we continue to grow and improve our services.
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XXXX XXXX XX/XX/XXXX XXXX
I Think there is an error.
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XXXX XX/XX/XXXX XXXX, "Coinbase Support"  XXXX XXXX:
XXXX XXXX
XX/XX/XXXX XXXX
Hi, any news? buys are still disabled!!!

Too much time to solve a simple thing..i think i will move to another platform.
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XXXX XXXX XX/XX/XXXX XXXX
Hi, my buy are still disabled.
What can i do?
It's one month that i'm waiting for a reply and If i will not have it in
few days I think I will close my account.

Best Regards XXXX XXXX -------------------------------------------------------
XXXX XXXX XX/XX/XXXX XXXX
I've uploaded 2 documents but it says that only one is present but in the page there are two
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XX/XX/XXXX XXXX Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX.
XX/XX/XXXX XXXX
Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX
XX/XX/XXXX XXXX
document re-uploadedI've tried to contact them 
i'm still having this issue since months and no one from the support have fixed it..
I've tried to reupload my documents but nothing has changed.
I'm seriously thinking about closing my account because of the lack of support.
Will someone answer to my questions? thanks

Best regards,

XXXX XXXX
My aunt is a co signer on one of my loans. We are being harassed every day because we are struggling to make payment. When any one calls, you are greated with such a rude person that only cares about getting the money. They bully you on the phone every single time. We get calls Sunday to Sunday. Some of my payments are in default now and they have listed on my credit score from a time when I was making payments on the loan. Im so sick of this.
I Have been a Victim of Identity Theft I have submitted police report and all verifying documents and Equifax is still reporting fraudulent information on my credit report
I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be.
This is the second complaint I have filed regarding this issue but I have more detail to add. 
On XXXX/XXXX/XXXX I received a call from " XXXX '' at XXXX. I have traced this number to XXXX XXXX XXXX in XXXX XXXX California. XXXX said XXXX uniformed officers were coming to my house on XXXX/XXXX/XXXX to serve me with some legal papers. XXXX gave me a number to call, XXXX, and a case number XXXX, also in XXXX XXXX, California. Someone I called at that number said they were from XXXX XXXX and XXXX. I can not find a listing in XXXX XXXX for this firm. 
The woman I spoke to at extension XXXX, told me this was about a credit card that was charged off in XXXX. I know the statute of limitations for lawsuits in Florida. This would be a dead debt. She then went on to claim that I made a deal in XXXX XXXX XXXX she gave an exact date ) with some collector and started paying this debt and defaulted, thus renewing the debt. I did no such thing, I wrote no checks or money orders, I made no negotiations and I neither talked or spoke to anyone from XXXX XXXX Bank XXXX XXXX in XXXX XXXX. She fabricated this story as a scare tactic. This woman went on to say she was giving me XXXX hours to get my " ducks in order '' and call this creditor before legal action would be taken. 
I do n't understand how this company can claim I made a payment or negotiated with a debtor when I know this is not true. This is fraud.
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I have been a XXXX XXXX XXXX since XX/XX/XXXX.
On XX/XX/XXXX I had an emergency and was near XXXX XXXX in XXXX New Jersey. I informed the ER I was a 100 % VA Patient and XXXX XXXX XXXX and my Primary Care Doctor at XXXX XXXX XXXX XXXX XXXX that VA pays for outside emergency care. 

VA did pay for XXXX 's care however, I did not know that XXXX XXXX XXXX XXXX had charged {$800.00} in addition, and in XX/XX/XXXX I saw on my credit report an account for ARS. I called ARS in XX/XX/XXXX and told them I was a VA patient, they told me to contact VA. I did so by contacting ( which took a few months to get a hold off ) XXXX XXXX XXXX in XXXX who told me to have ARS contact them and in the meantime dispute it on my credit report, which I did. 

Each time I would call in and tell ARS this over many times. I disputed this, ARS still claims I must have the VA call them. Even though I am not responsible for this and without their doubt, VA pays for that health care as they told me VA calls them. However, the person I called on XX/XX/XXXX told me spefically they are not able to call VA, which I asked why, especially after I have disputed this and their account comes off my credit and then is reported over time.
The answer was again " We are not able '' So as I told her, perhaps it would be better for us as veterans to have ARS contact VA for their payment, and for their company to get paid instead of putting false information on our credit reports. 

I asked for the debt in the mail as well as the policy for not being able to ask the VA for the payment. She transferred my to her supervisor, without any rings, it went to voicemail. 

I do n't understand ARS, if they require payment, why not ask the source instead of having a Veteran like myself do the work and now complain? I will ave to  again ask my local VA to seriously take that concern as well. This has impacted my credit and life many times, because I do n't understand the obvious nature of just asking the correct information for their payment. 

I also believe, perhaps they are not understandig it even may be against the law to report this on my credit report, they refuse to work with me, if I have to hire an attorney is that not also an indication of ARS breaking the law for whatever reason, they will get paid by VA, but impacting my credit like this I do n't understand why I must mediate between Veterans Affairs and ARS.
How this affects veterans is also obvious, although we can use outside resources like this in an emergency, I do n't know why after years of not having bills paid which again, even though VA paid XXXX, how am I supposed to know there is an additional bill, how was VA supposed to know, who was the person from the start that did not place that information on what insurance I had since I showed my VA ID Card and VA paid XXXX? 

Why not ask that instead of affecting me? The only control I have is to complain, dispute, and ask them to take it off and contact VA.
I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.
Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.
I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.
XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.
i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}.
moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted
I have tried to apply with several lenders and they all tell me that my Equifax report is blocked. I have spoken to Equifax and they deny that the report is blocked. That said, it clearly is blocked because I am getting the same response from several lenders. The lenders can not access the report at all.
Navient keeps harassing me with relentless calls. Home and now my work.
I am a responsible Parent that has co-signed a loan for my son.
I 've been very responsive to all of their request. They needed enrollment verification for my son. My son has never missed a semester or taken anything less than a full load/fulltime at College since graduation from High School.     Their collections department calls needing payment because they were missing the form, because they think he is out of college.   I have uploaded the form to their site and faxed it to their contact number. I have also emailed the forms as well. I had the University get me notarized copies of this form. The issue is that the company does not have good communications between departments. I have tried to call them, but I 'll get put on hold and wait forever, until the line eventually hangs up. I call back again talk to " Another '' Rep, wait again. Finally you 'll get a supervisor on the phone, they ask the same questions the other  XXXX  people you 've talked to at Navient. There are No notes on my account that I 've ever contacted them. I say BS. I have every email and fax confirmation that I have sent to  Navient. This has got to stop, if Navient 's actions have effected my credit rating in anyway, I will seek Legal  council.   DO NOT USE NAVIENT FOR ANY STUDENT LOANS!!!
Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.
Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry. 

They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.
On XX/XX/XXXX I received an email from Wells Fargo Bank informing me that a recent direct deposit from my XXXX XXXX XXXX account has been returned unpaid. I was charged a return deposit item fee of {$12.00} that would reflect in the coming days. I called Wells Fargo and spoke with a banker about why I am being charged for the other party 's insufficient funds. The banker agreed that this a very poor policy but said she was unable to stop the pending fee. I was told to call back after the fee posted and to discuss with Wells Fargo about refunding the fee after the fact.
I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!
Over paid a closed account at Bank of America. Bank of America had been " processing '' the refund for almost two weeks. The first person said 3 to five days. Second said 7 to 10 days. Person this morning said review process not started. They either owe me {$76.00} or {$58.00}. Depends on who you talk to.