WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, certificate of authority to collect in the state of Arizona.
I went to Georgia XXXX XXXX and XXXX XXXX Both XXXX   Colleges. Georgia XXXX changed their name to XXXX. Both schools were forced to close because of shady dealings and list accreditation. Noone would except certificates from these schools. They have been in the media and haven't deleted this from my credit report. I had a XXXX in XX/XX/2010. I'm currently XXXX. I've sent in all of my documents from my doctor and still Navient won't stop calling every day and they won't except my XXXX papers from social security or they just won't do it. These loans are affecting me badly. I've done all that was required of me legally and I feel I'm being bullied. They literally call me over 5 times a day. I don't owe them they owe me. Despite all the law suits they still won't do right. Please help me .They wronged so many people and still they refuse to follow the law. Navient is bullying me despite their illegal activities.
I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.
I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.
Below is a chain of e-mails. I was supposed to get my appraisal fee refunded and it never happened. It was supposed to happen in 1 day but it 's been 20 days. I want my appraisal fee refunded. 




I have not received the appraisal back yet. When can I expect it to be refunded? 

Check out my XXXX reviews XXXX XXXXBranch ManagerNMLS # XXXX XXXXXXXXXXXXConnect with Prospect : From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX XXXXCc : XXXX XXXX ; XXXX XXXX ; XXXX XXXXSubject : Re : UpdateI directed the XXXX to return it just now upon your confirmation, it should return to your account tomorrow. 


XXXX XXXX XXXX Chief of Mortgage OperationsCardinal Financial Company, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX : ( XXXX ) XXXX | F : ( XXXX ) XXXX : //www.cardinalfinancial.com/This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the sender. This message contains confidential information and is intended only for the individual named. If you are not the named addressed you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibitedOn Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Ok when will it get returned? 




Check out my XXXX reviewsXXXX XXXXBranch ManagerNMLS # XXXX XXXXXXXXXXXXConnect with Prospect : From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX RapaportCc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX : XXXX : UpdateReturning to your credit card/debit card that you paid with. 

I will get the docs redraw/redisclose tonight at 4.625 %. 


XXXX XXXX XXXX Chief of Mortgage XXXX XXXX XXXX, Limited XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX : ( XXXX ) XXXX | F : ( XXXX ) XXXX : XXXX email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the sender. This message contains confidential information and is intended only for the individual named. If you are not the named addressed you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in XXXX on the contents of this information is strictly prohibitedOn Wed, XXXX XXXX, 2015 at XXXX PM, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Ok let 's do that. How is the appraisal coming back? On my debit or in check form?
For the past 3 months I have tried to have a fraudulent account that was placed on my Equifax credit report removed, but I am getting nothing but pushback from Equifax. I have supplied them with a certified police report and the account from XXXX XXXX XXXX/ XXXX remains. This is very disturbing because the account was not originated by me and has weaken my chances to get a loan that I need.
Chase has a credit card labeled Chase Sapphire Reserve. I have applied for the credit card and was rejected due to having too many cards opened in the last 12 months. They wouldnt tell me how many " too many '' was. My credit is clear and I have been a customer of Chase for over a decade. I asked them not to increase their credit exposure by reducing the limits on one of my other cards ( total of {$34000.00} ) and they would not stating only that too many cards were open. I do n't understand why if their exposure is unchanged they are able to deny me a superior product advertised to present clients.
Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.
My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. 
As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. 

It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. 

One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.
During the year of 2014 I had a home owned by Ocwen Mortgage Services and who was also the home mortgage provider. But things began to go downhill, I could no longer afford to live in the home so I placed a request for a deed lieu and it was accepted. So I payed my last mortgage and was informed that I has been fully alliviated of my debt and it had been removed off my credit record. But I have recently yet to find out that the home is still on my credit records and is holding me back, I ca n't complete any finacial doings such as : loan consolidation, buying a vehicle or home, etc.
I am writing this letter to dispute several unauthorized charges in the amount of {$9300.00} on my Suntrust XXXX  account. These charges begin XX/XX/XXXX from a merchant by the name of XXXX and extend to XX/XX/XXXX from a merchant by the name of XXXX 5 totaling {$10000.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Suntrust customer told me that I can write a dispute letter.

I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Enclosed are copies of the disputed charges supporting my position.
Experian Credit Report.There way to resolve a credit report problem it give me a hard time.I try to contact them over the phone not resolved, i try to send o prove of credit issues that they was fully of errors not resolve.They not investigate at all such all those reporting companies they report there with lot of errors.Rude costumer service they treat you like a criminal.The last time i send all the paper work show and prove that those reports are with errors they did not upload my documentation the operator told me that they not received. ( ( ( they lost or they not upload purposely ) ) ) .They tell me send it back again.
I opened an  HH Gregg st ore credit card through Synchrony Bank in account in  XXXX   2012 . I agreed to a 0 % annual percentage rate fo r twenty four  months, and then a slight rate increase thereafter, which was not honored. Instead I keep receiving statements with very high interest rates, including an inflated annual percentage rate of 29.99 %.
Transunion and XXXX are reporting a new account open as of XXXX XXXX from XXXX XXXX. The account was open XX/XX/XXXX and the payments are almost over not just beginning. I have contacted XXXX XXXX and the were very helpful and said the would call the reporting agencies and see why this mix up happened. My credit score with both of these places has dropped XXXX points due to this and again - I am having to dispute incorrect information on my report. I have contacted both agencies and Trans Union sends me of a copy of my report. I do not need yet another copy of my report. I want to know if this is what is lowering my score as there is not ONE change on my report other that this mis reported item I need specific details not an innacurate copy of my reportI am getting very frustrated with all XXXX of the reporting agencies for their failure to not only report correct information but for also their lack of diligence to fix the errors. I have been working on my credit for over 5 years and find this extremely frustrating and feel there should be legal recourse for these issues.
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me
someone stole my Identity to open accounts in my name due to fraud. 

My social security number was stolen to open fraudulent accounts under my name. These are not my accounts are not my mine.
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XXXX XX/XX/XXXXand the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.
US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.
I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.
Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.
My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.