WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I mailed a certified letter to Lexis Nexis 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Lexis Nexis responded that they received all three letters, but Lexis Nexis continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc. a sample letter is attached. Lexis Nexis continues to put this matter in dispute why?? Lexis Nexis then sent me a credit report stating verified, that's not what Im asking for Im asking for. Proof of validation is, and Lexis Nexis continues to not validate or show proof. Lexis Nexis has no proof and I want this deleted off my account. This is my final step before filing suit in Small Claims Court.

Regards, XXXX XXXX
I have a FHA mortgage. I have been trying to modify my mortgage for the past XXXX yrs with Wells Fargo on my own. I have given them everything they have asked for but kept getting denied. I have not been able to get approved but no luck. I also hired an attorney to help me with loan modification. My attorney has tried at least XXXX times also denied. My attorney has gotten the same result. Now my arrears are over {$130000.00}. Now I have a sale date for XXXX/XXXX/15. Now I am going to lose my home. I need your help to stop the sale and would like for someone to investigate my file with Wells Fargo if I have been treated fairly.
I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several " system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. 

Additionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!
I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX  XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
I meant to purchase XXXX BTC on coinbase.com on the morning of XX/XX/XXXX. However, transactions on coinbase will be pending for 1 week and mine will complete on XX/XX/XXXX. Immediately after the transaction, I realized I purchased XXXX.  I immediately took to the support center to find a way to remedy this situation. It is impossible to speak to a human or get help for anything with coinbase.com. I have submitted a support request, but I then proceeded to read horror stories about many months-long support requests online. I am appalled by the level of service this company provides given the amount of money that is exchanged on this website each day. How can a company like this be so negligent when so much is at stake? How is it not possible to cancel a mistaken transaction while it is still pending, and will not take place until XX/XX/XXXX?
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.
The company did not provide a complete response to complaint XXXX nor all the complaints listed under XXXX. Some examples but not complete is how will my credit be protected in the future when Equifax is only paying for protection for 1 year? 
Why are they not paying for the cost of freezes for life and at the other credit bureaus? Please review all disputes listed in XXXX and provide specific answers to all questions. 
The solution is Equifax should pay for credit freezes at all credit bureaus for life of person. Please explain why not the best solution and again please be specific after reading all complaints.
On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant.
For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

Thanks, XXXX XXXX
I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. 
I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. 
My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.
XXXX Hardship Statement XX/XX/XXXX to Shellpoint for : XXXX, OH XXXX Account # : XXXX, OH XXXX Account # : XXXX It has been documented through Consumer Financial Protection Bureau ( Complaint # XXXX ) for the past year that I have repeatedly asked Shellpoint to adjust the APR on my XXXX property. I completed their forms numerous times for both addresses, but they would always send me an additional form. So, the mortgage modification would never be complete for XXXX. I did not request a new modification for XXXX, only XXXX. In XX/XX/XXXX, I was XXXX for XXXX ( XXXX ) due to mortgages XXXX. 
My two first mortgages in XX/XX/XXXX from XXXX ( XXXX ) had the predatory subprime rates of 10.5 % and 9 % respectively. I was XXXX years old ( retired as a XXXX in XX/XX/XXXX after 33 years of XXXX ). I was assured before and during the loan signing in XX/XX/XXXX that I could later refinance/modify the loans at any time without penalty. XXXX originally owned the first and second mortgages. I tried to refinance/modify the loans before XXXX went out of business in XX/XX/XXXX. I tried to refinance/modify my mortgages without success from companies that bought the mortgages. I am XXXX years old now and Shellpoint Loan Servicing now holds the 1st mortgages. I have asked Shellpoint repeatedly ( notably XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to refinance/modify the 1st mortgages. I was given H.A.R.P for XXXX, but not XXXX even though I applied for modifications on each of the homes at the same time in XX/XX/XXXX. Although XXXX is listed as an investment, my son lives in the house ( a second home ). I have been refused a modification for XXXX because I am not delinquent/in default. Mortgage payments are automatically deducted monthly from my pension checking account. I am in a vicious cycle of low credit eligibility to refinance due to debt : income ratio because of the mortgages. In XX/XX/XXXX, I will be XXXX years old. As of XX/XX/XXXX, I have already paid {$870.00} * 193 months or {$160000.00} for the 1st mortgage at XXXX. I have already paid 11 years of mortgages for XXXX. I bought the XXXX house for {$130000.00} with a {$20000.00} down payment in XX/XX/XXXX. I need relief. I do n't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence ( XXXX ) in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The XXXX lender would not let me buy the 2nd house next door without mortgaging XXXX. 
I am being discriminated against because of predatory loan practices when I was XXXX years old. The lender told me I could refinance without penalty for the 1st and 2nd mortgages, but only the 1st mortgage on my primary residence was done through the government 's H.A.R.P. It was never my intention to be in debt till I die paying mortgages. 
The government noted the predatory practices and gave relief with H.A.R.P. for my XXXX residence. Relief for me is to have a Shellpoint Executive decision that the XXXX mortgage be PAID IN FULL by its original maturation date/sooner with a significant reduced APR.
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX College, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, MS . 
Report # XXXX Please remove false information from my credit file.
I work at XXXX, and have HSA savings and investment accounts. Recently when I was looking at my statements I was surprised to find $ XXXX fee for HSA investment account. On top of this the bank ( BNY Mellon ) also charges $ XXXX fee for HSA savings account. This HSA savings account fee ( $ XXXX fee ) is paid by my employer XXXX. This are very high monthly fees for relatively low balance account.
I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.
i filed a complaint with the cfpb regarding shellpoint mortgage servicing ... yesterday I was told by shellpoint that my loan was with underwriting and they would not give me a loan modification until I " lifted '' my complaint against them I placed with the cfpb ... is this fair? ... im not allowed to seek council from an agency that protects customers..and ask that they supervise whats going on? ... I don't think they are legally allowed to deny me a modification unless I cancel my complaint.
Dear Sir, As per the Experian credit report dated XXXX XX/XX/2018, I observed that XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) did fraudulent inquiry dated XX/XX/2018 in my credit file. I did not contact XXXX  on these dates and these are fraudulent inquires on my credit report, which are associated to my name, address, social, date of birth and various identification details. Could CFPB direct Experian to explain the reasons in written letter ( one copy to CFPB and one copy to me for Honorable Court Proceedings ) for these inquiries dated XX/XX/2018, which were not authorized by me. Could CFPB direct Experian to remove XXXX fraudulent inquiries dated XX/XX/2018 ( XXXX XXXX XXXX XXXX, DE XXXX ) from credit report. I have received the hard copies of all experian credit report, where XXXX has done considerable amount of fraudulent inquires in my file. I am going to send the FAX of these report to FBI, State officers and Media.Could CFPB store my CFPB complaints in the data base, FTC records, and  identification theft and misrepresentation/fraud activity records. I had only two XXXX credit cards, which were closed on XXXX XXXX and XXXX XXXX. I do not have any kind of business or loans or insurance with XXXX for last 12 years. XXXX has done considerable amount of Soft Inquiries in my credit report without my authorization and without my consent. This is the 12th Fraudulent inquiry in XX/XX/2018 ( dated XX/XX/2018 ) by XXXX  in my credit file. its a crime, fraud and identification theft if anybody has taken any home loan or personal loan or auto or insurance or any kind of financial activity or any kind of inquiry using my social, name, address and various identification details. Experian credit file has been locked on XXXX XXXX as per the Law Enforcement Directions, also for court records. Also, all my individual XXXX  credit cards were closed on XX/XX/2018, I do not have any business with XXXX and I also do not have any plans to have any kind of business with XXXX for endless/infinite period of time. Experian informed to CFPB that identity thieves can apply mortgage loan application, financial activity and insurance by doing soft inquiry on my credit file, which is causing considerable amount of damage and nuisance to me. I have informed to Experian to block all the promotional offers and all the credit inquiries in my file, also all the XXXX  fraudulent soft inquires ( around 12 fraudulent inquiries in XX/XX/2018 itself, are associated to CFPB complaint number ) but Experian itself entertaining these nonstop fraudulent inquiries and causing considerable amount of damage, nuisance, disturbance and privacy. Could CFPB kindly direct my complaint to Respective Federal and Start Sheriff 's office and initiate appropriate action against XXXX and Experian. 
Experian holds the complete legal accountability and responsibility for any kind of tragedy and accountability for these nonstop chase fraudulent inquiries in my credit report ( every month, most of the times XXXX of every month, someone might have taken loan or insurance using my identity, social and various identification details ).
Dear XXXX, Attached with this complaint is a copy of the email that I received from paypal stating they have my unclaimed funds. I ca n't access my paypal account because my phone number has changed so I am unable to receive the passcode on my new phone. I have contacted paypal several times and explained my problem but they are not helping me nor they are releasing my funds. I am contacting you to help me retrieve my funds from paypal. Please advise paypal to send me a check of my funds to the address below. Your help in this matter is greatly appreciated. If you have any questions, please feel free to contact me at the address below. 
Thank you, XXXX XXXX XXXX, ca XXXX email : XXXXXXXXXXXX paypal account number XXXX phn # XXXX
Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.
I had an outstanding bill for XXXX XXXX XXXX XXXX XXXX XXXX for coinsurance. I was not aware of the bill, as I am on the road every week for work. Once I noticed the bill on my credit, I reached out to XXXX XXXX XXXX XXXX XXXX to make the payment. They accepted the payment and I was informed that this information would be deleted from my credit report. However, I spoke with the collection agency and they told me that even though I paid XXXX XXXX XXXX it would not be deleted from credit reporting, as I was paying with them directly. It was my understanding, that a paid debt to the original creditor could not be collected on or reported to the credit bureau. I have paid my bill in full to the original creditor
XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. 

Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. 

Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.
I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed
I purchased a XXXX XXXX XXXX XXXX From XXXX XXXX XXXX on XX/XX/2017 because of an advertisement on the Internet offered XXXX XXXX cars that stated the price of {$29000.00} with a payment of {$460.00} for 60 months. due to high-pressure tactics, I was baited then they, XXXX, switched the deal from the advertised deal to {$520.00} a month for 75 months financing {$33000.00} when the settled negotiated price of {$28000.00} at {$490.00} a month, XXXX manager, XXXX XXXX, called me and asked me would I come to the dealership to discuss my dissatisfaction, we discussed the problem and I showed him the internet advertisement and ask to see the written offer I made to the salesman and said that was the only deal I was interested in, He did not produce the written offer. XXXX became belligerent and said car XXXX was responsible for the ad and XXXX was not at fault even though XXXX name was in the ad several times. He also stated he was not going to do any thing about the situation. I left the dealership dissatisfied.and frustrated because XXXX XXXX denied responsibility for the ad and did not produce the written offer I made.