WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX  which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, Carrington Mortgage Services, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. Carrington attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that Carrington Mortgage remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. Carrington should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
Harmon Law PC attorney XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX has published for a second time XXXX XXXX newspaper ILLEGAL foreclosure advertisement see attached ad dated XX/XX/XXXX containing wrongful/false information showing that the FDIC has standing to illegally take my home into this illegal foreclosure, much false information causing PUBLIC Deformation of Character, Slander and Banking Fraud being that it's client XXXX claims to have standing via the FDIC when in fact in addition to the counterfitted and forged documents shown in Federal court Docket # XXXX also showing XXXX XXXX on this account ( XXXX ) see attached. I am being severly abused with this Publically advertised information AUCTION AD for this ILLEGAL foreclosure..I will be seeking damages as well as sanctioning ( BBO ) of this attorney directed by this criminal client XXXX XXXX XXXX XXXX XXXX . see all attachments!! 

PUBLIC DEFORMATION OF CHARACTER AND SLANDER AS WELL AS BANKING FRAUD!!!
I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from my credit report.
On  XXXX /17< I contacted   XXXX   XXXX   regarding an my inability to open a checking or savings account and wanted information on the cause.  I recived a copy of informatin from   XXXX   XXXX   and began to due the inaccurate information for Bank of America.  I had disputed the same information with another company called   XXXX   XXXX  , unsuccessfully.  
On  XXXX /17, I received the ecnlosed infromation along with a copy of a check bearing a signature, that "IS NOT MY SIGNATURE". On  XXXX /17, I immediately called  XXXX , that   XXXX   XXXX   said should be used for BOA, they transferred me five(5) times and still no results.  I asked of the Collections depat of BOA, where can  fax my State Id and Social Security bearing my SIGATURE, but they do not have anyone or anywhere to send the information. BOA HAS ACCUSED ME OF FRAUD, I HAVE NOT BEEN ABLE TO GET A CHECKING OR SAVINGS ACOOUNT BECAUSE OF THIS INFORMATION, AND YET THEY HAVE NO ONE WHO CAN HELP ME RESOLVE THSI!!!
My husband and I was working with our loan company to lower our house payment because they had raised it and we could not afford it. We sent all information, forms and bank statements to them and would not get back to us. It was always very hard to get in touch with our point person. They said they was sending out someone to evaluate the home. No one ever came. We received a letter that they were through with their evaluation and was ready to start foreclosure before sending someone out to our home.
TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.
On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
In XXXX XXXX, I posted bail through XXXX XXXX XXXX for a friend who was arrested in XXXX. I paid the bail with my citibank card.About 2 months later, her case was dropped. Due to some communication issues, several months passed without my bail money being returned to me. Because I live in XXXX, and could not reach XXXX XXXX, I was afraid I might not get the money back, so I disputed the charge through Citibank. On XXXX/XXXX/XXXX, they gave e a conditional credit of {$2500.00}, and pulled those funds out of XXXX XXXX ' merchant account. About the same time, I received a check from XXXX XXXX. I called Citibank and dropped the dispute, and they reversed the credit on my account on XX/XX/XXXX. About a month later, XXXX XXXX called me to tell me that he had never gotten his money back from Citibank. I called citibank, and was told the money was in his merchant account, and it was up to his merchant bank to refund it to him. I passed the information on to XXXX XXXX,. but he called a few weeks later to say that he still could not access the funds. I called citibank again and got the same response. This cycle repeated several times. Citibank said they could not talk to his merchant bank directly. I set up a 3-way call with citibank, XXXX XXXX, and myself, during which the operator gave him a reference number to give to his merchant bank, but he still could not get the money. In XXXX XXXX, I told citibank just to credit the {$2500.00} to me, and that I would pay XXXX XXXX directly. They agreed, and said it would take about 10 business days. 2 weeks later, there was no credit on my account. I called again, and was told the money would be in my account within 48 hours. It never happened. I spoke to another supervisor at citibank who said she would research what happened and get back to me. She did n't. I spoke to another supervisor who promised to research it ; she did call back, but left a message with no information on my question and no direct line to call her back. When I called again, I was unable to access the same person I had spoken to previously. The next supervisor again insisted the money was in an escrow account for XXXX XXXX to claim, said she didnt know why I was told they 'd credit the funds back to me, and promised to mail and email me a letter stating that the funds were in escrow. She checked back with me about a week later to see if I had received the letter. I had n't. I asked her to check back again, as I could n't call her. She never called back, and I never received the letter or the email. XXXX XXXX still does not have his money. 

It seems citibank has a system designed to wear the customer down until he or she just gives up. I spoke to a different person every time I called there. There was no way to reach someone to whom I 'd already spoken. Operators who were supposed to research my questions and get back to me either never called back or gave me no information when they did. They said one thing and did another, with no way for me to follow up. I have wasted hours trying to resolve this problem, and XXXX XXXX is still out {$2500.00}.
Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last summer XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
I then reported this here about XXXX and they lied and the complaint was closed. BOA had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014.
New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.
I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX. FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. TRANSUNION ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  to  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.
I contacted the  CBR  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
On XX/XX/2018 I went to Experians web site to check my FICO as I receive free FICO scores from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I wanted to compare credit reports. Experian offered for {$1.00} a FICO score and part of the offer was to cancel at any time. I tried to cancel immediately at the link provided but instead of cancelling the link automatically created a membership and upgraded it to {$24.00}.

I tried on numerous times to cancel via emal and this is an examle : I have NEVER subscribed to your service yet you have unlawfully taken {$24.00} from my visa account and plan to do it again on XX/XX/XXXX.

I tried to take advantage of your free 30 day trial to see my FICO score and then tried to immediately cancel because I get my FICO from XXXX XXXX XXXX and XXXX and XXXX and XXXX so I did not need any more information from you, I tried to cancel but the number you provide does not let you cancel but cause an upgrade.

AGAIN I never authorized you to bill me for ANYTHING.

I will dispute your attempt to bill me on XX/XX/XXXX. I think what your are doing is both un ethical and illegal and I will be filing complaints with the regulatory agencies and ask legal counsel if I have the grounds for a class action suit to stop your disgraceful practise.

mysignature.jpg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX last 4 XXXX I have received two dozen solicitations from Experian but none dealing with my inability to cancel. I responded to every email that my intention was to cancel the free trial for which I was billed {$1.00}. Apparently Experian has taken {$24.00} from my visa card for the past two years and they were never authorized to do this.

I can not get them to stop emailing me and I am awaiting the {$24.00} bill on my XXXX XXXX XXXX visa so I can formally dispute this, I have talked to XXXX on the XX/XX/XXXX about this unauthorized charge,
Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.
I moved my savings account from   XXXX   XXXX   XXXX   to  Navy Federal  because the monthly charge but now I see why   XXXX   XXXX   XXXX   has monthly charges. About  XXXX  to  XXXX  weeks ago I had a problem with my  Navy Federal  account, I got a email on   XXXX   saying : Dear Member, A new Member-to-Member Payee has been successfully added to your account. You can now instantly send money to this member . Requestor 's name : ME. Payee 's   name :  XXXX   XXXX . When I saw this on my email I first thought I was a junk email but I opened my savings account and BOOM all my savings money was gone only {$34.00} was left in it, like a big laugh and a punch in the face. I went to the bank and filed a DECLARATION OF FORGERY/FRAUD form, that 's after I was questioned by the bank employee asking like what kind of phone do you got, where were you at at this certain time. Yes I understand that they got to be safe and make sure there not getting hacked/robbed but why would I do that to my own account, do n't you thank I would use someone else 's one then move it to my account? But anyway I do n't know much about computers in the first place only web browsing, email checking, and game playing that mostly it. But back to reason after I filed the DECLARATION OF FORGERY/FRAUD paper they told me my money will be back in my account in  XXXX  days well get ready fo some math it was filed   XXXX   today is  XXXX  the last time I checked on it was on  XXXX
I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively.