WillisBack/dataset-financial-user-claim huggingface dataset:
1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.
XX/XX/XXXX BB & T Bank XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX Credit Card account SS # XXXX, DOB XX/XX/XXXX This letter is a formal complaint that you are reporting inaccurate credit information to all XXXX credit bureaus. I have made many attempts requesting that you correct this with no response from BB & T. 
1. I 'm requesting that you remove all 30 day late payments this was a bank error. 
2. Please contact the branch that handles my accounts the payments were set up on auto draft. 
3. Your contact person is XXXX XXXX located at BB & T XXXX her direct number is XXXX.
In reference to my complaint number # XXXX I add as addendum the following ( 1 ) The Bank of America notification of denial for HAMP modification options and notification 45 days for me to move to forced short sale is based on the fact that the property is a rental and I do not live there as my primary residence. However according to the the government, the Home Affordable Modification Program and National Attorney General and Treasury Dept Settlement terms in addition to my medical bill burdens, " Owners of rental properties and homeowners burdened by XXXX expenses are now eligible for mortgage relief under a new expansion of the Home Affordable Modification Program ( HAMP ). '' " Changes announced by the Treasury Department extend eligibility for the mortgage loan modification program to several categories of homeowners who were previously ineligible. Along with owners of rental properties, the new guidelines expand the program to include homeowners with heavy debt burdens from medical bills, XXXX liens or other debts separate from their primary mortgage payment. '' ( 2 ) The bank letter further references designating an income for me of {$5200.00} for me but does not provide detail, breakdown or analysis of how this amount was calculated by the bank
I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.
I am a victim of identity theft and noticed a collection from pinnacle LLC. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pinnacle LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is XXXX XXXX XXXX. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for XXXX under the name Stenger & Stenger P.C. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
I had a property in XXXX, Oregon with a mortgage with XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX sold the mortgage to PNC Bank. PNC Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact PNC all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took PNC XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report XXXX 5 years after the recorded XXXX Deed XXXX that the mortgage was foreclosed. The incorrect handling by PNC and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and XXXX!
In XXXX 2017 I tried to use my credit care.it was denied. When I called to find out what happened, I was told that my account was past due. After searching for my statement. I looked in my completed files and my due files. I was told I owed XXXX dollars including late fees. I refused to pay the late fees due to my not receiving a statement. I was told the late fees would be wavered and I would only have to pay XXXX. Which I did. This payment was to include my XX/XX/XXXX payment. On XX/XX/XXXX I tried to use my card and again it was denied. When I called, I was again informed that my account was past due. After sitting on the phone for nearly 2 hours I was told the payment was XXXX. Upon further questioning, I was told that the XXXX that was supposed to waive was what put my account past due. I was told that I needed to pay the wavered amount and it would come off of my principle. That my cad would be suspended until I pay the previous past due of XXXX. Why should I pay for a waivered fee? With my account in past due status, I now have to pay a second past due fee. And hurt my credit. In XX/XX/XXXX when I questioned the agent about why I should have to pay for their mistakes I was informed that this is the way it was.
on XX/XX/XXXX While checking my bank account I noticed that there was a hold on my account in the amount of {$930.00}. I called XXXX XXXX XXXX  to inquire about this hold and was told it was a bank levy/garnishment on my account in the amount of {$800.00}. The bank did not give me the debt company name but gave me the name of the Court officer who file and a contact number along with a docket #. I called the number numerous times on XX/XX/XXXX with no luck. Later that day I decided to search public records and docket number and was able to file the docket number given to me by looking up my name. Under the docked number I saw that the case was disposed in XX/XX/XXXX. It listed the collection agency ( XXXX XXXX ) who purchased the debt from the original creditor. This is not my current address & the addressed listed on the debt was an addressed from 14 years ago. No other attempts have been made to contact me, no letters, phone calls, no judgement letters, no notification that was sent about court dates etc ... I have no recollection of this debt, who is the original creditor. There is a statute of limitation on collecting a debt of this age. There is also a law exempting a bank levy of federal funds!. I receive Social Security for my daughter who is a minor and they just took that money from my bank account. No one can give me no information regarding this debt. The bank told me to call the court officer, but I have had no luck. Where is the proof of the debt that is over 14 years old and never listed on my credit report and no other attempts have ever been made to contact me.
Santander used fraudulent dealers to open an account in XXXX XXXX, 2009. Santander is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.
On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.
I have been working with Equifax for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX, Or XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?
There was an error on my credit report at time of this company checking and they lowered my limit from {$3500.00} to $ 520 days after I paid it down to a {$320.00} balance. My credit report has since been fixed but now my points dropped 93 due to this card limit decrease. I paid my debt down to under 10 % in order to get a loan to buy a business. Now after they lowered my limit my score dropped 93 points because of this.
I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.
Consumer disputed a claim on Experian report submitted by XXXX XXXX XXXX. Consumer requested validation of information to be made and for Experian to conduct and investigation. Experian responded to consumer 's request for investigation without proper validation per FCRA law. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute.There is NO address, name or personal information to substantiate this claim yet Experian continues to report this as belonging to consumer. This reporting by Experian, after consumer requested information is in violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). Experian has violated FCRA law and consumer is entitled to recieve damages in the amount of {$1000.00} per violation. Consumer is entitled to punitive damages under 1681n of the FCRA due to Experian 's negligence, and willful noncompliance Consumer was denied credit for mortgage. Mortgage lender identified this one account wrongfully attached to consumer 's Experian report as the reason for denial. This false claim by XXXX XXXX XXXX does not appear on other CRA reports of XXXX and XXXX. XXXX XXXX XXXX has a complaint filed with CFPB and has failed to respond to CFPB since XXXX XXXX, 2016. XXXX XXXX XXXX has altogether failed to respond to consumer 's multiple written request for validation sent by Certified mail. Experian has altogether failed to conduct a proper investigation per FDCA to validate this claim.
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the a ccount since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
This company somehow not only received my personal cell phone number but my parents, friends and family members. They call every day and if I do not answer they call all of my family members. They are threatening me with a lawsuit to show up in court for a outstanding bill that they wo n't tell me what it is ... They are extremely rude and hostile on the phone. They will not give me any address or location. I have spoken with in-house legal and they told me to report it to the FTC. 

They say they are a law firm McCarthy Burgess & Wolff but are a debt collection agency. I have ZERO debt and my credit report is rock solid.
10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.
Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry
This debt collector calls from XXXX and have been calling family members saying I have a debt and if I dont contact them I will be in a legal battle. My family have the recordings and dates of these harassing calls. I have not ever received any letters pertaining to such debt and in addition they address me using my married name which I have stopped using in all legal ways since my divorce 15 yrs ago. 

I did call them today to ask what this is all about and when I mentioned I havent carried that name in 15 yrs this representative wanted me to tell them my date of birth which I refused being they still havent told me the reason of the calls plus told them its illegal to disclose a debt to third parties. This representative cursed me and hung up.
Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.
Pendrick Capital keeps selling a so called medical debt to agencies and it keeps being added to my report. I have filed numerous complaints against the agencies who have purchased this debt and the account has been deleted. Pendrick has not once contacted me regarding this " debt '' yet they sell it and the agencies do n't even contact me! This debt is not valid and I want it completely removed!
I have an auto account with Ally Financial. I have received 30 day late payments on my credit report on three occasions. My payment is due on the XXXX, XXXX or XXXX of each month depending on the month. 

I was having some problems receiving statements and spoke to a customer service representative about this. I was not quite sure when my exact payment due date was and was running late making my payment due to a personal issue. I made my XX/XX/XXXX payment onXX/XX/XXXX thinking XX/XX/XXXX was the due date and that this would get the payment in before I was 30 days late. I was incorrect and the due date was XX/XX/XXXX. I spoke to an Ally representative that understood I had issues receiving my statements and assured me I would not be reported late on my credit. after I was reported late I was assured again by customer service that this would be removed and to date it has not. 

I made sure to get this caught up and always make my payment before it could be marked 30 days late. Then came XX/XX/XXXX, again I am marked 30 days late. I spoke with an Ally representative and they verified that I made my XX/XX/XXXX payment on XX/XX/XXXX. Therefore this payment is not late. Then again in XX/XX/XXXX I was marked 30 days late. An ally representative told me I made my payment on XX/XX/XXXX. I actually have proof that I made this payment on XX/XX/XXXX. Again the payment is not late. 

I am attaching proof of the conversations I have had with Ally as well as copies of the payments which prove I made on time payments in XX/XX/XXXX and XX/XX/XXXX. 

As it stands now I still have not received statements in the mail and I do not have online access to view them. I never know when my due date is because it is an inconsistent day each month. I would like these late payments removed from my credit and my cosigners.