WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to re-finance my home in XX/XX/2018 with 360 Mortgage- since they were my current mortgage I though the process would be easier. The initial process went very smooth -- our application was approved and all documents were signed -- the appraisal ( which raised some eyebrows was {$700.00} ) which is not industry standard but we agreed. 5 days before we were about to close I received a call from the underwriter stating that she denied the new loan due but could state why. 20 days later I was informed my loan was sold to XXXX XXXX. I would like the money paid for the appraisal as the selling of my loan should have been noticed beforehand.
I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.
Hello ; This debt was assigned to my ex-husband per our divorce court order in 2014. Toyota was notified of this assignment and his contact information was provided. Also, Toyota charged this debt off without notification of collection, and it remains on my credit report. I request that Toyota either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX
The bank will not allow us to modify the loan directly with loss mitigation or with our agent dealing directly with loss mitigation they are requiring us to deal with the banks attorney as a middle man and we are not happy with the lack of contact, this is in violation of XXXX XXXX and CFPB regulation, also the bank did not properly segregate or provide clean title and refuse to give us copies of our closing documents under a RESPA and TILA request. 

the bank did not properly segregate or property or our house we are now situated on XXXX lots and only XXXX belongs to us, will provide proof with this letter. 

at the time of closing in 2007 we had asked for a copy of our closing documents and they had told us they will mail them, we have never received them, we ave asked for them several times and never received them, our attorney asked for copies under a court motion and we still dont have it, we have been to the tax collector, ( CRIM ) and they had showed us that the bank has the house on the wrong property, our house is sitting on XXXX lots, only XXXX is ours. 

we have someone assisting us in the loss mitigation and the bank refused to work with us our assistant during our mediation and forcing us to work with the attorney instead of the bank directly even though attorneys are not allowed in mediation. 

and we want our copy of closing documents complete, to include our Good Faith, HUD XXXX and copy of all insurances I purchased such as Title Insurance, Appraisal, Segregation, Survey, and any and all copies included.
On XX/XX/2018, XX/XX/2018 and XX/XX/2018 I requested that Transworld please verify the debt they said I owe. I sent letters through certified mail on XXXX separate occasions and they were unable to validate or verify the debt they say I owe. I requested that these items be removed from my credit with XXXX and XXXX and they still have not done so. Please see attached supporting documentation.
This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.
Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.
I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies
I have a vehicle fleet card program with  FleetCor.  They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove.     In   XXXX   XXXX     customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills.     These fees continued to accumulate and reached in excess of {$1000.00} by the end of  XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}.     I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived.     I Called in  XXXX . I was on hold for over an HOUR --  Yes  over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on.     So I called in  XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to  XXXX , their competitor.     I find  FleetCor  's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.
When viewing my credit report through CreditKarma, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with CreditKarma, XXXX, and XXXX.
On XX/XX/2018 I initiated an online payment to my mortgage company Sierra Pacific for loan number XXXX in the amount of {$1900.00}. My bank sent off payment and debited my checking account for that amount on the XX/XX/XXXX. In XX/XX/XXXX I received several " automated robot calls '' telling me to call Sierra Pacific,  having left no reason for calling and the vague nature of the calls, I assumed these calls are a scam I did not return the calls. I got back from vacation and found a past due notice from Sierra Pacific. 

I contacted Sierra Pacific on XX/XX/2018 and supplied a screen shot of my account showing that the check was sent and debited from my account. They responded that they needed a copy of the check front and back OR a electronic transmittal form, they also mentioned that they cancelled my ticket #. I sent in the electronic transmittal form to Sierra Pacific and called them up. The lady mentioned that my ticket was closed, but the investigation was open. I sent in my mortgage payment for XX/XX/XXXX on XX/XX/2018 and I am worried that that might be lost as well. 

I am uncertain what to do and I am worried about the negative impact on my credit. Sierra Pacific is non-responsive. Please help me if you can.
My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )
The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
I have a hard inquiry on my credit file, I did not permit this, or know what it is about. I have tried contacting them, but they tell me to contact XXXX XXXX, and then they keep running me back and forth
In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls.
XXXX XXXX XXXX XX/XX/XXXX USAA/ Consumer Report Dispute Attn : Form Code # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I still have not received your official response to my attached later from XXXX and closure of my identity theft case in your organization as outlined in the attached correspondence. 

However, in the very beginning of XX/XX/XXXX, after more than five months of lengthy and very painful follow ups by numerous calls and correspondence with your organization, XXXX XXXX XXXX from the office of the CEO at USAA confirmed verbally to me and my attorney, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX, that finally USAA has recognized and confirmed this case as an identity theft! At the same time, for reasons unknown and surprising to me she said that your organization needs a bit of time to close this matter properly within USAA before confirming to me and credit bureaus in writing! Furthermore, after several calls with XXXX XXXX she promised that the case will be properly closed and communicated to me and all the credit bureaus the latest by XX/XX/XXXX. As of the date of this letter to you on XX/XX/XXXX and after several further reminder messages to XXXX XXXX I am still awaiting proper closer of this matter which has caused me unbearable personal and financial stress during the last six months. If you disagree with any aspect of the foregoing please do advise. 

I believe that I have been more than patient with your organization during the last 6 months, during which I have had to put many personal and business activities on hold, which have resulted in unbelievable hardship to me and my family, in addition to significant financial losses. I am therefore writing to you one last time in the hope of moving your organization to do the right thing with urgency and clear my record immediately, as you have already decided, by clear confirmation in writing to me and all the credit bureaus. In the absence of a quick remedy so that I can put my life back together, I will have to take the very unfortunate step of referring your organization to the court of law and I will hold your organization accountable for all the legal and personal costs that I have already incurred and will incur in the future to bring this matter to proper close. 


Sincerely Yours, XXXX XXXX CC : XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX FBI XXXX XXXX Special Agent XXXX XXXX XXXX XXXX, XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I have called several times that they are reporting the wrong BALANCE and CREDIT LIMIT information to the Credit Bureau Reports.
Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the XXXX.
I have a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. USAA SVG BK Open date is XX/XX/XXXX 2. XXXX XXXXXXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. USAA SVG BK Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX   know that they need to put these accounts on my credit report because this is a defamation of character
I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.
I submitted information online with Bank of America when I lost my job to see what they could do for my mortgage. They asked for documents from me including my wife 's paystubs and copies of the benefit info for unemployment and food stamps that we are receiving. I submitted this all to them. A month went by with no contact from them and then suddenly I got a letter telling me they needed more info and I was being thrown out of their modification process. After the initial document request I had zero contact from them. 

Now they ; re asking for the exact same documents again to start over that I already submitted once.
*XX/XX/XXXX I requested my credit reports from all 3 credit bureaus to find a collection account be reported by XXXX XXXX XXXX in the amount of ~ {$17000.00}. 
*XX/XX/XXXX I contacted XXXX , XXXX  XXXX XXXX XXXX XXXX , and XXXX ( original lender ) disputing this reporting. The credit bureaus responded with written notification that the debt had been verified, XXXX XXXX XXXX nor did XXXX respond. 
*XX/XX/XXXX I sent a second round of letters disputing the debt reporting to both cb, the collection company, and the original lender. The cb again responded that the debt had been verified, the original lender again did not respond, however the collection agency sent a copy of a statement from XXXX and the front page of an inactive homeowners policy with my name on it. 
This debt is being reported incorrectly and I'm not responsible for this debt, in a written statement ( which I will include ) admits that the insurance company agreed to pay them for the work and when the invoice was submitted to the insurance company the insurance company refused to pay the claim. I have made multiple attempts to contact XXXX & XXXX XXXX XXXX without success.