WillisBack/dataset-financial-user-claim huggingface dataset:
Ms. XXXX purchased her home located at XXXX XXXX XXXX XXXX XXXX TX on XX/XX/XXXX with the owner financing term. In XX/XX/XXXX, she purchased the property next to her at XXXX with same owner financing loan term. In order to pay faster she got a Home Equity Loan from Nationstar Mortgage to pay-off the previous owner 's loan. Ms XXXX had to ask for another Mortgage Loan to pay -off the previous owner of XXXX as well with XXXX  XXXX XXXX XXXX on XX/XX/XXXX not only to pay-off but to fixed up the property because it burned out proof attached. The Title company that did the closed paperwork never filed a DEED of Trust under XXXX XXXX 's name and they ever pay-off the previous owner neither, so they foreclosed the XXXX property. Consequently, the XXXX XXXX XXXX transferred the XXXX debt to the XXXX property and did foreclosed the XXXX homestead property on XX/XX/XXXX. but she wasn't evicted from that house since then. She continue making mortgage payments with high a SCROW rate. She can not claim Homestead exemption because is not under her name. She can not sell out the property. She XXXX year-old ILLITERATE  person. They took advantage of her and did a fraud to her.
Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance.
I signed up for CITIGOLD promotion XXXX XX/XX/XXXX to earn XXXX AA miles after completing particular requirements. I completed the requirements timely and received multiple written confirmations that I completed the requirements. Months had past and I was never given the earned promotional miles. Then recently, I noticed I was erroneously given the wrong kind of promotional bonus, citi thank you points. I filed a dispute and now Citi says they will not give me the AA miles, the actual promotion I signed up for, because I was given citi thank you points. To be clear, I do not want and never wanted the Thank you points. I want the XXXX XXXX miles that are rightfully mine and have confirmed to be mine on several occasions. I also want to be refunded {$60.00} in bank fees Citi has charged me while I wait for them to fix their mistakes.
I have attached the police report of all of the details of what happened. My bank is not willing to help me.
I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.
XX/XX/2010, I sent Capital One {$200.00} for a Prepaid Capital One Master card. Capital One have been falsely reporting to the Credit Agencies that I have a credit account with them. Over the eight ( 8 ) plus years I've had this Prepaid Card the Maxium amount I could use is the amount I put back on the card each month. How is this credit if I'm using my own money? What RISK is Capital One taking? And what protection I have as a Consumer when Capital One report to the Credit Agencies that I didn't sent them my money to put on a Prepaid Card each month and these Credit Agencies are recording this False Negative information and lowing my Credit Score?

This is like if I do not deposit money into my checking account the bank will report me to the credit agency. My compliant is that Capital One have caused me harm with this false reporting.
Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.
I never received a certified letter stating to cure a default on car loan which caused a repossession of the vehicle.
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by Cooling & Winter LLC and/or XXXX  XXXX XXXX. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting XXXX XXXX XXXX asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make Cooling & Winter LLC and/or XXXX XXXX XXXX. 

pay {$3.00} XXXX to the Civil Penalty Fund.

Again, I do not reside in the jurisdiction of Henry County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by XXXX XXXX XXXX ( the creditor ) and then the written-off / worthless debt was sold to Cooling & Winter LLC ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to XXXX XXXX XXXX and Cooling & Winter LLC get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. XXXX XXXX  XXXX and/or Cooling & Winter LLC are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
Beginning in XXXX of XX/XX/2016 I submitted several letters to all XXXX credit reporting agencies. Each time I have received different responses. I asked that the account be removed or at least put into dispute within 30 days of the letter as required by law. Not only was this not done, I was declared dead by the credit card company, then told I was alive, and then told there was never an issue about my death and therefore the matter was not in dispute any longer. I resubmitted letters in XXXX, XXXX, and XXXX and each of them had to address a different issue. First they said they could n't find a record of my account. Then they said I owed the money and finally they went back to saying they could n't find the account. However, there has never been a dispute placed on any of my credit files and as such, I believe these cards and the negative reports should be simply removed. 

XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim My Account was charged off.. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
1. My student loan was in non payment status because I was in college on a half time basis.
2. I have XXXX ongoing medical problems which require XXXX-XXXX medical appointments per day depending on my symptoms. 3. Last XXXX, 2017, I was unable to walk.
4. Several medical found XXXX additional medical problems. 5. Therefore, I was unable to return to college and maintain my 1/2 student status which qualifies me for non-payment status. 6. I called Navient and advised that I could NOT download the Income Driven Repayment Plan paperwork at the public library. So, they mailed me the paperwork.
7. To protect my credit, I made 5 -8 calls to Navient. I was assured that as long as I called my status would be fine.
8. In the interim, my health deteriorated. I spent 4 weeks in a health institute 3 hours from my home WITHOUT mail access. 9. When I called Navient in XXXX XXXX, 2017, XXXX XXXX, had no knowledge of the points mentioned in 1-8 above. 10. Concerned about negative credit reports, I asked to speak with A supervisor. I waited 40 minutes. No supervisors available. I was FORCED to release the line.
11. Because of the XXXX medical problems, XXXX mile commut to doctors office, I asked if XXXX XXXX supervisor, XXXX XXXX could call me Mon-Friday between XXXX XXXX Pacific Time . He advised that she COULD NOT and no other supervisors could call. 12. I made 4 calls to other Navient offices including the Navient Consumer Advocate. Also, I sent the Advocates Office an email. Receipt was confirmed by email.
13. Borrowers are left on hold, or forced to release the line after 30 minutes. If we call again, the cycle is ONLY repeated with no resolution or proof we are working to resolve the issue.
14. I had a question about the Income Driven Repayment Plan paperwork and I want the promise that if I call Navient, my credit will not be affected. Please forward my email to their attention.
Greetings, Property, : XXXX XXXX XXXX, XXXX Texas XXXX You may have to open another category for such a Misrepresentation of facts and complaints. 
As an investor who purchased a property from XXXX County Constables Foreclosure Auction located in XXXX Texas on XX/XX/2018 Im contacting your office asking for assistance. 
This is about attorneys ( Linebarger Goggan Blair & Sampson, LLP ) which representing the XXXX County at least in this matter. Misrepresentation of fact and or mistakes has happened which is outrageous and despicable. 
This law firm representing XXXX County constables foreclosure auction which take place on first Tuesday of every months and this law firm is responsible party for all legal work and data presenting to constables for all eight ( 8 ) Precincts for Auction. 
This is about a house which was sold in the same auction for a value based on what it has been apprised by XXXX County appraisal district ( XXXX ) ( attachment1 ) and Daily Court Review News paper release ( Attachment2 ) and their wide screen monitor. 
the picture of house shown in the picture ( attachments3 )  MYSTERIOUSLY THE HOUSE DOESN'T EXIST but a empty lot. 
Obviously the law firm didnt correct the fact and irresponsibly sent the incorrect information to constable, as constable informed me. 
I have called the law firm and spoke to person named XXXX few times he agreed with me however he didnt have any authority to rewind the sale or offer any solution except asking me to talk to attorney in charge Ms. XXXX who refused to come to the phone to talk to me. Then XXXX asked me to write her a letter and I wrote three letters one certified mail and two e-mails explaining the problem but Ms. XXXX sent me an e mail and offered no solution. 
I understood attorney XXXX is the attorney in charge of this matter and she is not willing to admit her mistake and misrepresentation of the fact. 
I went and met Sergeant XXXX who is the head of XXXX county constable foreclosure auction for XXXX XXXX ( where the property was bought ) and he is the in charge officer who sold the property to me as a higher bidder, Sergeant XXXX agreed 100 % the mistake or misrepresentation has occurred by Linebarger Goggan Blair & Sampson, LLP law firm and they are the one who need to correct or rewind the sale, but attorney XXXX refused to do anything about it. 
At this point I contacted your office ( CFPB ) to file a complaint and the lady at your office asked me the it is better to file complain on line. 
Your assistance in this obvious wrong doing is greatly appreciated, For any additional information please call or e-mail me, Thanks, Regards, XX/XX/2018
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
11. SYNCB/XXXX Other Loan Late 60 Days {$0.00} XXXX. XXXX, 2015 States that I am 60 days late. I never opened this account and just want it corrected with the late payments and removed. Please ...
This agency is calling repeated times during the day after multiple attempts to cease all calling. This company uses multiple numbers during the day to call attempting to make it seem like someone else is calling.
XXXX XXXX was trying to retrieve an original copy of his modification papers from his loan company SPS. According to SPS when they purchased the loan from XXXX. XXXX did not give us any paperwork because one of their reps said ( and its voice recorded ) it got loss! They were also saying that this loan was a verbal agreement but XXXX XXXX never had the opportunity to make any type of agreement with them. They modified the loan without his authorization. Indeed I was recovering from XXXX at the time of the modification. Now we are trying to get the paperwork because we qualify for a better loan elsewhere but SPS is saying they do not have ANY " Terms or Conditions '' or any paperwork on us at all! My question is since they DO Not have any terms or conditions/paperwork on us then I feel we do n't owe them anything so therefore they need to release us from this non existent contract, what can we do?
I unfortunately needed XXXX more loans to continue my education. These ended up being private loans.These loans were first originated through XXXX XXXX and changed over to Navient. Since getting these loans in XXXX/XXXX I have not been able to lower my interest rate. My rate is 9.75 % and was told that was the rate and no change of lowering it due simply to the fact that they are " private '' loans.
I had some inquiries fall off but were reinserted and I never recieved a 5 day violation which is a FCRA violation. I have contacted Transunion and they have given me no resolution. The inquiries are as follows. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX
My Quicksilver Capital One card has been suspended due to an address change that I submitted. They asked me to submit my social security card, proof of address, and license. I do not have my social security card and I sent them tax documents and the other requested items. I was told that was not sufficient, they needed the signed social security card to unlock my account. I am not going to send them the signed social security card. I have told them it was me who made the change and even provided evidence of the new address that matches the update in the system that is causing this problem. They pretty much told me too bad- and they wont even let me cash in my rewards points to bring my balance down. I rightfully earned those points and want to use them to lower my balance so I can then pay off the card and never deal with Capital One again. They should not be able to hold those funds that I earned - I have verified myself on the phone through multiple questions, provided documentation, and Capital One will not let me redeem them. I am not asking for cash - I am simply asking to use the rewards I earned to pay my balance down. This is unfair and they should not be able to hold my funds.
" Company has no account in my name but an account in my mothers name for something that took place as a minor " XXXX rep
Previous CFPB # XXXX XXXX sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my credit score. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with XXXX for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I
I have reached out to chase who has responded, however XXXX, XXXX and XXXX still reports fraudulent inquiries from a chase account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment.
I paid off complete balance on my Juniper credit card and then they added {$77.00} worth of fees after I paid. This was not a balance transfer which they claim.
Some BTC holdings ( XXXX BTC ) were sold on XXXX/XXXX/2018. The funding destination selected was the XXXX XXXX account number ending in XXXX which is attached to my account. The total of {$10000.00} was to be transferred via ACH within 4-6 business days as stated on their site. The transfer never materialized.
Inaccurate employer information XXXX XXXX XXXX i have never used or herd of that name before
I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from my report.
Company called " Portfolio Recovery '' is calling my cell phone, but will not say who they are calling for. When I ask for the name of who they are calling they will not answer me. I have requested that they send me by mail a letter explaining this " debt '' that I am totally unaware of, and the woman gets short and says she wo n't work with me unless I give her my name. I feel she should know who she is speaking to before I release any info over a cell.