WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.
Equifax has deleted an item from my credit report and put it back on. They are saying that XXXX XXXX has verified the item as belonging to me. I contacted the company in which it 's XXXX XXXX credit card they have my police report. This account was opened up fraudulently. When I talked to a representative at the Bank they stated that they never verified this account with Equifax as this account is in a separate department due to it being identity theft. Also, I sent the police report to Equifax back in XXXX and they keep ignoring it. The last time they responded it was a generic and unrealistic response. Here is the supporting documentation. Also, they deleted the item off the credit report on XX/X/16 and reinserted the item on XXXX without giving me notice prior to inserting it. This caused my credit score to plunge by 100 points and disqualify me and my family for a mortgage. It 's being reported as an installment loan instead of a credit card also it 's saying I recently defaulted on this payment in the last 3 months. Please remove this item as this is not a legit item. Please find my police report and supporting documentation. Also notice that no other credit reporting agencies are reporting this item only Equifax.
This a continuation of my response to Wells Fargo 's response dated XX/XX/2017. The actual federal laws that were grossly neglected to be followed are the following, XXXX These laws make for an interesting read. Every bank officer I have spoke with outside of Wells Fargo has acknowledged these regs. and follows them to the letter. After considering the above mentioned one question keep burning threw my mind ... Why has Wells Fargo continued to deny these laws exist. 
Or why the branch manager told me that these laws do not apply to me.. The CFPB will, I am sure read these regulations and understand that they DO apply to everyone in the banking community Respectfully XXXX
I owned a condominium, purchased in XXXX by myself and former wife. In late XXXX, we lost the condo due to XXXX fees, due to her job loss and health issues. The property was transferred by XXXX XXXX, NY Court to a mediator, and the property was sold at auction, and subsequently transferred to the buyer ( an investment company who buys XXXX foreclosures ) in XXXX. While my mortgage company has a superior lien, they have made no effort whatsoever to enforce their lien since XXXX, and has no timetable on the plans to do so. The property is worth more than mortgage balance, so I do n't see why the lender is delaying. 
In the meantime, I have had the mortgage reported as late on my credit, as it is, since XXXX, and after foreclosure, if and when it happens, will likely remain on my credit for 7 years after, meaning I am being reported on this debt for more than 16 years, potentially. This is inhibiting my ability to purchase a home, at historically low interest rates, and will likely for some time to come, as the CRA 's are reporting the home still in foreclosure. I had the property removed by deed transfer in XXXX, yet the lender states that their lien is superior to the XXXX 's, and as such, they still hold me to the loan, despite not taking any action whatsoever to codify their lien, and in conversations with the lender, no plan or timetable in place to do so. 

I am stuck in limbo and can not do anything, except pay the loan, which I would if I could. In the interim, an investment company profits off my property, which I have no right to, per the courts, and can do nothing to get the loan off my credit report. The original mortgage broker who wrote the loan was subsequently disciplined and jailed for his actions in the mortgage business, and the original lender ( XXXX ) contracted their modification to a Company called XXXX XXXX XXXX from XXXX, FL, who only wanted more money than the current payments were. Following the XXXX foreclosure, XXXX sold the loan to Ditech, who currently holds the loan and has expressed no plan exists for them to exert their lien, nor does a timetable. Ditech blames the legal system in NY, yet they have not taken the basic step of even filing a suit, which would start the clock. Ditech did not even know I vacated the property 6 years ago and that it was foreclosed upon by the XXXX. 

Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.
I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about XXXX XXXX of the same date.
Coin base notified me of price drops for digital currency 's such as BitCoin.
The price was very volatile and I ended up being charged between $ 180- {$300.00} over each price. That I originally paid for. When the price of bitcoin went up I tried to sell one was high and discovered that I had paid more than originally intended and was unable to sell any of my current holdings.
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of domestic violence and had to move but besides that I check all my credit reports XXXX, XXXX, XXXX and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
A " Pre-Legal Notification '' was received from company concerning a debt allegedly owed by claimant. On XXXX/XXXX/2015 claimant sent a certified w/ return receipt letter to the company at the address on their notice requesting verification of the debt. The return receipt was stamped ( not signed ) by " XXXX XXXX '' and returned. The original certified mail and return receipts are in claimant 's possession and can be presented upon request. 

On XXXX/XXXX/2015 claimant received another " Pre-Legal Notification '' from the same company, from a different address in the same city, with no verification of the debt claimed. Company therefore failed to suspend collection activities in order to verify the debt in violation of the FDCPA.
I've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}
Sunwest Mortgage Company deducts taxes and insurance payments every month. As we kept calling to advise them of the insurance notifications, every representative stated the payment would be made on time, which was by XXXX XXXX 2017. I just received notice today that my homeowners insurance lapsed, during hurricane season! And for failure to pay insurance premiums, which Sunwest Mortgage deducts a year in advance.
Closed 2012 - still reporting ... ... Delete acct. Acct in good standing
I was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter was sent to them last XX/XX/XXXX which includeds all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link :XX/XX/XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also I noticed a XXXX initial fraud alert was placed on my account. I have never requested this before and I am demanding for it to be removed off my account immediately. 


I demand the following accounts be verified or the deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. 
This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.
I asked that they not call me but to communicate with me in writing. They said that I needed to send them a written request not to contact me in writing, otherwise, they are within their rights to call me. ( See attached letter. ) Is that true? 
I 'm rebuilding my financial life, after these institutions torched the economy. I plan on negotiating with each of my creditors once my financial situation becomes stable. 
Here 's my request, I 'd like to know if this is a legitimate collection agency, I 've heard that there are a lot of unregistered, unethical, and illegal collection agencies out there. I want to make sure this is not XXXX of them.
Reopening case # XXXX and XXXX. Please note that the company has not delivered on anything that they promised on XX/XX/XXXX. I just checked my credit report today ( XX/XX/XXXX ) and they have not removed the delinquency from XX/XX/XXXX to XX/XX/XXXX. I also never received the relief amount ( though I don't care about that ). I would rather that they stay true to their word and remove the delinquency that they promised. You have the proof from their last reply.
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them.
When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.
I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.
XX/XX/2016 Company : XXXX XXXX XXXX, XXXX NY XXXX and XXXX This company continues to call my parents, my ex-wife and her family, and my phone number threatening to send information to the courts and have me arrested. I asked them for information to be sent to me so I can validate this debt. They refused several times. They somehow have my social security number and mailing address. They said the debt was with XXXX XXXX which I have never used this company.
THE FCRA asserts my right to fair, accurate and complete reporting of information by EXPERIAN and their furnishers.EXPERIAN TODAY THROUGH CLEAR AND CONVINCING EVIDENCE ATTATCHED HERE, INTENTIONALLY AND KNOWINGLY WILL NOT FOLLOW THE REQUIREMENTS OF FCRA REPORTING REGARDING ACCURATE AND COMPLETE REPORTING. 
The first XXXX XXXX account,XXXX is attatched.The report today does not include a DOFD, date of first delinquency ... .experian 's fall-off date is inaccurate and only an estimate of a DOFD ... THE DOFD EXISTED ON XXXX XXXX ( XXXX XXXX REPORT ATTATCHED ) ... IT HAS BEEN REMOVED IN THE ABOVE INVESTIGATION I HAVE ATTATCHED THE VIOLATION STATUTES REGARDING THE DOFD. 
I HAVE ATTATCHED A LETTER FROM XXXX ASKING FOR SPECIFICITY IN CREDIT INVESTIGATION ... .I HAVE DONE SO.
XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )
Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
I closed my account in XXXX 2014 but chase did n't follow the instructions and never returned my funds and I was made aware of this when my investigator in XXXX provided XXXX XXXX that your account has been hacked and almost XXXX deposited amounts are wired out to unknown recipient. I called chase and reported this and disputed those amounts and then instead of making my funds available to my other creditors they blocked or hide my account and put return request upto 3 month prior payments made available to my other financial institutions making Me look bad and causing Me debit of {$3600.00} but I suppose to get a refund check from chase as vitcm of IDTheft when I closed my account o had XXXX present in the checking account which they had stolen from me and never sent me written letter stating my account had closed. Chase also leaked my account information to XXXX party as per told by my investigation firm and they are invited in massive fraud to make up for their data breaches costs.