WillisBack/dataset-financial-user-claim huggingface dataset:
Comment : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE TWICE TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX COUNTY, LOST THEIR TRUSTEE RIGHTS TO XXXX BANK ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESSS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA SUBSTITUTION TRUSTEE. NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX XXXX BALANCE SHEET 2-XXXX 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE XXXX FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIEL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE ,9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA,11-VIOLATION UNDER B & P CODE 17200 ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XXXX & XXXX 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE.TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRADULANT TRANSACTION.13-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, XXXX & XXXX .TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT : .I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX
I received calls from Allied Interstate ( 3rd Party Agency out of the country ) XXXX times per day regarding an outstanding debt I do owe for XXXX. On XX/XX/2016 I received a call from this company so I returned there call the next day on XX/XX/2016 at XXXX AM discussed my account with the representative advised I could not pay anything today we ended the call. At XXXX XX/XX/2016 received a call from the same company wanting to discuss my account. I advised the rep I had already talked to someone this morning on this cell phone about my account. I advised to not call my cell number XXXX more time today. As it is against the law to make contact with me 2 times in XXXX day on the same account. As of today they have not called back.
A company by the name of XXXX XXXX XXXX said they purchase a debt from XXXX  and they have been harassing me non stop. Today they cursed me and say they would come to my house ... .I told them if they were legit sue me and not contact me but instead they keep calling. There number is XXXX
I applied for a Best Buy Credit card. 
I was denied by CITIBANK. 
I was not aware that I was applying to CITIBANK, I subsequently discovered that Citibank was mention on the app in mice print as the " issuer '' of the card. No identified as the " decisioner '' If i was aware, i would not have applied. 
I wanted to apply for a Store Card, not a Bank Card as their criteria for acceptance is generally lower and they do not usually do a HARD inquiry on my credit. 
Immediately ( with 1 minute ) I called Best Buy/Citibank and requested that my application and subsequent HARD inquiry on my XXXX credit file be withdrawn. 
I spoke to XXXX different operators/supervisors (? ) was told that " the SYSTEM has already DECISIONED my application '' and it could not be manually removed.
I sent a certified letter on XX/XX/XXXXit was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX/XX/XX/XXXX for the Seller- XXXX XXXX XXXX Merchant-XXXX XXXX. 
Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
I understand my personal information is possibly exposed because of a credit agency having poor security measures. Now I understand I am to pay to have a freeze on my card, I do not believe nor feel it is right that I pay for it because I never once handed over my information to them and they are the ones who had my information compromised.
I disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Company is illegal hold my flood loss draft insurance checks for my properties. I won the case in XXXX county Supreme Court and Ocwen is harassing me without Federal Truth In debt collection act. Ocwen illegally patern my life for money along with New York State Department of Finance. Hold  funds in escrow without legal reason. Alleged collusion with XXXX insurance for my property damaged claims check.
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau on XXXX/XXXX/XXXX
On Friday  XXXX   XXXX    XXXX   I received a call from my   XXXX     XXXX   XXXX  credit card saying that someone had called in and changed my address on my acct and ordered a new card to an address in  XXXX . They put a block on the acct. I decided to check my other cards. Walmart, target and my amazon store card had all been changed to the same  XXXX  address and new cards requested. They all stated the caller knew all my info. Okay lets get to walmart. The rep stated that yes someone had called and changed it and ordered a new card and that she will cancel that card, change my address back and send me a new card. We verified the new card would be sent to my address NOT  XXXX  AND I added a passcode to my acct in  XXXX  that person called to change my info.     On Tuesday  XXXX   XXXX ,   XXXX   I decided to double check my  XXXX  acct. Not only had the card that was being sent to the  XXXX  address not canceled they also changed my address back to  XXXX  and they were charging hundreds of dollars as I was refreshing the screen. They claimed they have canceled the new card and now sending me yet another one so I am still waiting on that. I am very upset that this was allowed to happen twice. If the rep I spoke to on Friday would have done her job the thief could not have charged to my new card. Luckily they say I am not liable but the fact still remains they were careless with the security of my acct. I check my amazon store card and the same thing happened. The person called in on sunday  XXXX   XXXX  and changed my info again and got a new card sent even though on Friday the rep at amazon claimed that they had changed everything back and they were sending me a new card. I also added a passcode that day. SO how has this happened? Some one needs to be accountable!
I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. 
this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong
I have been paying XXXX for a private student loan since XX/XX/XXXX and on XX/XX/XXXX centeral portfolio control sent me a statement stating I owed them the original debt.
I received a letter from Asset Recovery Solutions , LLC claiming that they are collecting on behalf of XXXX. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to XXXX, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with XXXX. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by Asset Recovery Solutions , LLC. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since XXXX has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with XXXX : one for {$4000.00} and the other {$2600.00} are nowhere near the doubled amount this company and XXXX are trying to collect wrongfully from me.
I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.
AD Astra Recovery Se has attempted to collect money, and has report bad activity on my credit profile. I do not owe AD Astra Recovery Se. This company has failed to present a sign contract between myself and AD Astra Recovery Se, along with proving my identity. Please remove this alleged account from all 3 credit profile.
I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.
I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.
Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I have the annual battle most every year. XXXX in Ga. is  the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX & XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX & XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. Trans Union : Still mixing my Info with my XXXX father.  idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He Passed in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....
They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.
They keep blocking my debit cards, all of a sudden when I try using my debit cards to pay for something they decline, and the bank does n't even send me a text or an email to make sure everything is okay, and I 'm force to use other sources of payment when I should be using my own money, when I talk to them on the phone they tell me they are protection my money, when what they are actually doing is leaving me stranded without access to my money. Have try to resolve the issue several times, but keep happening over and over again. 
( In they beginning told me it was because I was trying to use them out of state and should set an travel alert in their web site, but it happens even within my city )
On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was discharged in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
On 2 occasions in the last 12 months, my mortgage company has taken my entire loan payment, including the amount over the requested payment, and applied nearly 100 % to interest. My payment is {$480.00} and has been for the last 10 years. All other payments have been applied correctly. 
The first was on XXXX/XXXX/XXXX, my payment was dispersed as shown below : Total paid : {$500.00} Interest : {$490.00} Principal : {$3.00} - This math does n't even work On XXXX/XXXX/XXXX, My payment was dispersed as shown below Paid : {$500.00} Interest : {$480.00} Principal : {$11.00} I contacted the lender, Specialized Loan Services, and they stated that my loan was simple interest and they would not correct the issue. I then reread my original loan contract and confirmed that my loan is a fixed rate. At this time, I also discovered that my loan was written as a 30 due in 15 which was never explained to me. I have faxed and emailed the mortgage company and they have not yet responded nor fixed the error - it has been 7 days.
In 2016 the borrower passed away I called them told them I was on XXXX and he had passed away and left me some life insurance they said I had to wait a year and after the year they said they don't refinance .... They also denied modifications I applied for now I had to sell my home of 15 years
In correspondence dated     XXXX   XXXX   XXXX      . I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. I 've made a request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General   XXXX   XXXX   are still not in place even thoug h TWO  YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
On XX/XX/XXXX I contacted XXXX to have them remove the two hard inquiries that were listy on my credit report with out my permission. I then proceeded to tell the woman I spoke to that I never Inquired about any of thier airlines or credit card. I continued to notify her that XXXX showed up on my credit report twice once in XX/XX/XXXX and again in XX/XX/XXXX and it clearly says XXXX XXXX XXXX XXXX/XXXX. The woman got my information just to make sure I didn't have an account with them. Then laughed at me and said " I just realized your my 10th call on this situation today. We are not an Airline you will have to file a dispute with your credit company ''. Instead of filing I called XXXX XXXX and I was told I needed a letter from XXXX  to be able to remove it. I don't even have an account with them nor have I ever heard of them. I also looked them up and they are way over in XXXX FL I don't even live near there. This needs to be fixed. I also found on the forum on credit karma I am not the only person this is happening to. Something needs done about this.