WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.
The following is the short version of what citizens bank pulled- Because of a complaint I registered with customer service department about how I had been GROSSLY mislead by one of their tellers-I was offered a half a point reduction on my equity line of credit which I was using a mortgage now as I had been advised, deeming me unable to take advantage of the one time rates being offered by the president at the present time, further exacerbating my situation. I received a letter from a XXXX drafted on XX/XX/2016 and stamped XX/XX/2016 which told me I had 10 business days to have the document within witness signed by a notary and gotten back to them and if I had any questions to call the XXXX number provided which I did-several times and could not get in touch with her once, but I did finally get a XXXX supervisor-he advised me that he had spoken to this XXXX and that the time element would not be an issue in light of my having called with this discrepancy and to go ahead and mail it back as soon as possible- I took every precaution to do this although I had phoned and spoken to one XXXX supervisor and told him that I felt it was unreasonable in light of the date it had been date stamped, but mailed it out the day it was signed and notarized-XX/XX/2016- & waited to hear back from someone-When I still had not heard back by XXXX I began calling myself only to be told By XXXX that I was supposed to have pt the letter to this XXXX attention XXXX something XXXX XXXX neglected to tell me, so it went to some other office but he would get it taken care of, later on I was then told- '' because they had not received the documents back within the stipulated period of time, they would not uphold their offer ''! -I could not believe what I had heard-they were holding me responsible for the amount of time it took the United state parcel service to deliver the mail-until XX/XX/2016-this to me in not only unreasonable, but unconscionable-I complained as far as to the office of the chairman thinking someone up there would have rational common sense to make of this matter- and was still denied! I will say once again, this is the short version, but for the sake of simplicity have given you the meat and true essence of what has transpired, I do have the original notarized letter as well. 
Thank you for your time.
NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts.
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus Experian, XXXX and XXXX and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas XXXX XXXX and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas XXXX. This does not meet the Texas XXXX XXXX guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, Experian, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas XXXX office on your non-compliance and XXXX. I have listed below how you are not meeting the Texas XXXX XXXX. 

Please note XXXX Experian, and XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX Experian XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character XXXX XXXX is sending invalid information on behalf of the XXXX and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.
Per XXXX - SW CFPB AGENT I am writing a new complaint against Citi Bank Cards. 

Citi Bank Card owes me {$250.00} credit unconditional. It is part of Prestige card benefits. 

Citi Bank failed to close the DISPUTE which gave a temporary credit and if the dispute is denied will NOT formally give me a credit. 

I have written to VP XXXX, VP Citi who refuses to respond to me via phone or emails BLOCKING MY ACCOUNT from Customer Service. XXXX is threatening to also charge me for the card annual fee which Citi personnel told me I have 37 days to cancel after billed. 

Citi is DISHONEST and has NOT closed the disputed charge which allows a temporary credit, not a complete credit with dispute closed. 

XXXX, Citi VP and her boss XXXX can be contacted at : XXXX XXXX Citi refuses to communicate via EMAIL or PHONE hindering resolution of this problem
THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened XX/XX/2018 - {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX
On XX/XX/XXXX my debit card was stolen from my home along with my phone. A police report was filed with the City of XXXX, XXXX, NC police department. Report number XXXX. He was arrested and arrainged in XXXX County Court on XX/XX/XXXX. Withdrawels were made by the perpetrator and card was given to another individual who used the card and made debt card transactions. Both indivduals have been arrested and are locked up in the XXXX XXXX XXXX XXXX in XXXX NC. The second person was arrested and arrainged in XXXX County District Court on XX/XX/XXXX, File # XXXX. As of today, XX/XX/XXXX the bank has not returned any monies to my account and my account is {$1300.00} overdrawn. I have called and provide police records, details etc and the bank continues to not replace monies lost to this fraud that was commited against me. 
The Bank of America fraud team just continues to deny claim and not update any information to my case. Repeated phone calls inquiries to my claims just continue to be ignored. Please assist me in retrieving the XXXX that is due to me. 

Sincerely, XXXX XXXX XXXX
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY FRAUDULENT SERVICER 'WELLS FARGO '' AND JUST SO HAPPENS TO BE MY INVESTOR AS WELL " LUCKY ME ''. ITS APPARENT THAT THEY CAN STILL XXXX FROM THEIR CLIENTELE BUT COULDN'T USE THAT MONEY TO BE THEM TRAINING ON CUSTOMER SERVICE OR A GUIDELINE HOW TO STAY WITHIN FEDERAL GUIDELINES. BUT THEN AGAIN WHEN THE GOVERNMENT ALLOWS WELLS FARGO TO STILL PRACTICE WITH A SLAP ON THE WRIST I GUESS ITS EASY TO SEE WHY THEY FEEL LIKE THEY CAN DO WHATEVER THEY WANT. I WAS PREVIOUSLY DENIED FOR A MODIFICATION AND RESUBMITTED MY APPLICATION AGAIN DUE TO INCOME INCREASE AND WELLS FARGO MAKES YOU JUMP THROUGH THERE HURTLES TO SEE IF THEY FEEL LIKE YOU DESERVE TO BE REVIEWED FOR A HARDSHIP ASSISTANCE. THEY WONT EVEN OPEN UP A REVIEW, THEY MADE ME COMPLETE A FINANCIAL INTERVIEW WITH THIS SO CALLED RE-ENTRY TEAM AND IF THEY SAY NO THAT IS IT. I HAVE READ THE USDA GUIDELINES ON MODIFICATIONS AND I DO NOT SEE THAT I HAVE TO DO ANY SUCH THING. THIS IS WELLS FARGO 'S WAY TO DETER ANYONE FROM SAVING THEIR HOME. I WAS TOLD THAT BECAUSE NOTHING CHANGED THEY WILL NOT OPEN A REVIEW, SO I ASKED WHAT WAS THE INCOME THAT WAS USED FOR LAST REVIEW THAT THE UNDERWRITERS CALCULATED MY INCOME AT AND I WAS TOLD {$5900.00} SO I SAID WHAT IS THE INCOME THAT YOU ARE CALCULATING MY INCOME TODAY AND THEY SAID {$6400.00} WELL THAT SHOWS YOU A CHANGE. IF IT IS NOT THE SAME NUMBER THAN THERE IS A CHANGE AND THEY SAID NO WE WILL NOT OPEN UP A REVIEW. THIS IS ABSOLUTELY CRAZY THAT THE SERVICER REFUSES TO REVIEW MY HARDSHIP ASSISTANCE REQUEST AND NOT FOLLOW MODIFICATION GUIDELINES. THERE IS NO FEDERAL GUIDELINE THAT STATES I HAVE TO JUMP THROUGH WELLS FARGO 'S OBSTACLES TO GET MY FILE REVIEWED.
I have a mortgage with XXXX XXXX and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the XXXX XXXX has saw fit to remove this from MY credit history and refuses to put it back on, the Transunion Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
On XX/XX/2018 I was locked out of my Coinbase.com account. This happened for no reason and I have called the company multiple times with no resolution. Coinbase customer service themselves admitted that it was a " mistake '' and shouldn't have happened. However, 4 months later my account is still locked and they will not unlock it. I can't even speak to anyone other than a general customer service rep who states the same rehearsed lines. I have called them 5 times, emailed numerous times and can not get any form resolution to my problem. My {$3900.00} dollars has been locked up, or may be gone completely, they can't even confirm, for over 4 months with zero help from them.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
I have called Navient, the servicer for my loans, several times requesting a 30 day payoff statement so I can refinance my loans with another lender. They will not send it to me, but send me emails saying thanks for inquiring about your loan we have different payment options for you. They are deliberately holding back on sending me this statement so I can not close my account with them. Of note, my loans with them are and always have been current and never late.
Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.
I had XXXX balance transfers, both with a 0 % promotional balance on my Bank of America : XXXX XXXX XXXX credit card. 
0 % balance transfer 1 - Transaction date : XXXX/XXXX/XXXX for {$2000.00} with a 3 % fee. Promotion expired XXXX/XXXX/XXXX. 
0 % balance transfer 2 - Transaction date : XXXX/XXXX/XXXX for {$1400.00} with a 3 % fee. Promotion expires XXXX/XXXX/XXXX. 
I had made minimum monthly payments to this card. On XXXX/XXXX/XXXX I made a full payment for the {$2000.00} balance + 3 % fee ( {$60.00} ). As of my account statement ending on XXXX/XXXX/XXXX, instead of continuing my 0 % balance transfer ending on XXXX/XXXX/XXXX, I was charged an interest on {$950.00} of " outstanding balance. '' Bank of America refuses to refund the interest and states that all principal must be made to avoid further interest costs - they are blaming me for not paying the full amount even though the balance transfer promotion does not end until XXXX/XXXX/XXXX. I called in multiple times before the promotion expiring to ensure I would not be charged the interest cost. I 've attached my account statements and a document I requested from BOA in regards to how payments will be allocated to my Bank of America : XXXX credit card. 
Thank you, XXXX
On XX/XX/XXXX I went into Wells Fargo to withdrawl a roll of quarters from my checking account. The transaction finished and I left. Later that night I noticed {$900.00} was taken from my Savings account. I called and filed a claim and was told it would take 7-10 days to receive my funds. A week later I was told my claim was inaccurate and had to file another. Then saying the branch should have given me my money back themselves. It has now been 16 days amd nothing has been resolved and my second claim has been closed. I have yet to receive my {$900.00} back.
I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.
Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.
NATIONSTAR ( AS AN ALLEGED MASTER SERVICER OF A REMIC TRUST AND ALLEGED ATTORNEY IN FACT OF THE SAME REMIC TRUST ) CONTINUALLY ATTEMPTS TO COLLECT AN ALLEGED DEFAULTED DEBT ON BEHALF OF ( AS AGENT ) XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX IS NAMED ON ALL COUNTY RECORDED DOCUMENTS, AS THE TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE XXXX XXXX HIERARCHY ( FDIC AND NIC ) AS A LAWFUL ENTITY OR AN ASSOCIATE OF THE XXXX XXXX FAMILY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE CALIFORNIA SECRETARY OF STATE REGISTRY AS A BONA FIDE LAWFUL ENTITY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE " SEC REGISTRY '' AS A BONA FIDE TRUSTEE OF ANY REGISTERED REMIC TRUST. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN AGENT FOR THIS " LEGAL FICTION '' AND PREVENTED US ( BY DISPARAGEMENT AND/OR SLANDER OF TITLE ) FROM SELLING THE PROPERTY IN QUESTION AND PAYING THE LAWFUL CREDITOR ( UNKNOWN AT THIS TIME ) TO DISCHARGE THE ALLEGED OBLIGATION BALANCE AND MOVE FORWARD WITH OUR LIVES. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN ATTORNEY IN FACT FOR THE " LEGAL FICTION '', AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

NATIONSTAR USED THE " FALSE '' PERSON RELATIONSHIP TO SUBSTITUTE IN A NEW DEED OF TRUST " TRUSTEE '' ( XXXX XXXX XXXX ) TO FACILITATE A FALSE FORECLOSURE ACTION AGAINST THE SUBJECT PROPERTY. 

THE REMIC TRUST FOR THE LAST 2 YEARS HAS BEEN IDENTIFIED ( COUNTRY RECORDER, MERS WEBPAGE, RECORDED DOC 'S ) AS THE " MORTGAGE ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX '' THIS IS THE TITLE OF THE SECURITIES ( I.E. THE BRAND ), NOT THE NAME OF A BONA FIDE REMIC TRUST ENTITY ( PERSON ). 

THIS IS LIKE IDENTIFYING " XXXX XXXX '' AS AN OWNER/HOLDER OF DEBT AS OPPOSED TO " XXXX ''. THE ONLY DIFFERENCE IS THAT " XXXX XXXX '' IS A BONA FIDE BRAND OF " XXXX ''.
During the tax year XXXX, I paid over {$42000.00} in mortgage payments to Seterus. However, Seterus sent me Tax Form XXXX for the XXXX, showing XXXX was paid in mortgage interest. See the attachment. 

This clearly an error. In XXXX, over {$25000.00} of my mortgage payments went to mortgage interest. Someone at Seterus should have realized XXXX error before sending the form. 

On XX/XX/XXXX, I contacted Seterus by phone. I thought that it would be a simple matter of looking up my account and giving me the number over the phone. However, the staff person I initially spoke to said it could take two to three weeks! I asked to speak to a supervisor and was put through to XXXX XXXX. He promised hed get back to me by the end of the week, XX/XX/XXXX. 

I never heard from him.

Seterus is violating federal law. Tax forms were to be mailed by XX/XX/XXXX. By Seterus submitting an incorrect Form XXXX, they effectively submitted no form at all. 
Seterus error is preventing me from filing my XXXX Federal and State Tax return.
I have XXXX XXXX credit card with a {$200.00} limit i used XXXX leaving me with a balance of XXXX when my bill was due I accidentally sent XXXX instead of the XXXX that was due. They received the payment but still said I owed XXXX dollars and i also paid the XXXX and my available balance went from XXXX to XXXX for no reason at all. I tried to call I was on hold for 2 hours and no one ever answered and there is no online help. XXXX   is the website there very little contact information and no direct phone line. They are on my credit report showing I've only made the initial deposit. I've given a total of {$430.00} including the {$200.00} deposit at this point I just want my money back and to close the account but I can't get a representative on the phone. I also moved and could not update my info on the website as it saved my address wrong in the system after I applied.
On XX/XX/XXXX I used Xoom a XXXX company which promises to pay money in overseas locations within minutes when u send money overseas to family and friends, I was charged fee, my family needed money to pay bills it was emergency but Xoom participated banks overseas refused to pay when recipient went to collect money, it's been more than 72 hours now and Xoom not just has failed to pay out the recipient but the banks Have refused to recognize and pay the recipient even with all the document and transaction details provided. 
I emailed Xoom several times and spend hours calling Xoom over and over again spoke to several people on including supervisors but they have failed to solve this transaction, it has cost me and family not just embarrassment, time and money it also has cost us fines for not making payment on time overseas. 
I haven't received any refunds or my family could collect funds which I have paid Xoom with fee.
The following information XXXX is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Navient account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX XXXX is showing the same Navient account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. Navient was paid {$150000.00}. 

6. My Navient account is current with a balance of {$29000.00}.
I am in a bankruptcy and I sent in authorization three times and each time Wells Fargo says that they did not receive it and then refused to check the date that it was sent in when I looked up the confirmation. The dates that authorization to speak with my bank were sent in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2018 and they still purport to having not received it so that I can not check on the status of the modification that I sent in until the documents have expired. My modification full and complete application was sent in on XX/XX/2018 to the Wells Fargo Fax and was confirmed to have been received on XX/XX/XXXX when I called in to check the status of my application.
After renting a house in an economically challenged neighborhood, my wife and I were forced to remove ourselves from the property due to ongoing threats of extreme violence from the neighbors. In doing so, we had to make arrangements with the property owner, XXXX. Our agreement was a verbal one and we were to receive a written statement, I am not sure where it went as we moved in a hurry. The agreement included cash as well as all of our brand new appliances ( cash value was more than the debt ). We just need to get out. A year had passed when we first noticed a collection company reporting we owed someone we not aware of. We never received a written statement of this debt, just that it seemed to appear out of nowhere. Unfortunately, this debt gets removed and the replaced. Now the collection is still ongoing and still noting in writing from them, I have sent a register letter to acquire this information in writing. The ongoing effort to collect a debt that we do not owe is being done by a company that is not licensed to collect debts here in the of Florida!