WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX has repeatedly misrepresented that i : owe monies to it when i : don't. 
There is a form demanding disclosure of the certificate holders and a requirement that they file an affidavit stating that they are beneficiaries of the deed of trust and agreeing to which other beneficiaries, owning more than 50 % of the beneficial interest under the deed of trust may represent all of them. 
Since there is absence of an agreement then that all holders of the certificates must be disclosed. If someone claims to represent the holders of certificates that party would need to show the source of its authority to directly represent the certificate holders. Please note that certificate holders are not, contrary to popular error, beneficiaries. 

Since XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX by and through its silence has admitted that the beneficiaries are nonexistent of a non existent REMIC Trust, then why is it i : am being harassed, intimidated, stalked and threatened by XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX and its culprits? 

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX must either comply with California Civil Code - CIV DIVISION 3.  OBLIGATIONS PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS TITLE 14. LIEN CHAPTER 2. Mortgage ARTICLE 1. Mortgages in General 2941.9 Universal Citation : CA Civ Code 2941.9 ( 2013 ) as stated above OR quite the title to my private property, stop harassing, intimidating, demonizing, stalking and threatening me.
just received a collection debt from Dyanmic recovery solutions on XX/XX/18 for an amount of XXXX. The collection agency is stating in the letter/bill that I owe a debt which I know is not mine and do not owe. I also checked with all three major credit bureau 's and the debt does not exsist on my credit reports. I would like the harassing letters to stop being sent to me.
The collection agency recently started reporting a collection account on my credit report. I have no recollection of ever doing business with the company they are collecting for, and requested a detailed itemization of the debt. It has been over 30 days, but I have yet to receive a detailed itemization of the debt.
I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
I contacted BoA/XXXX in XXXX, 2017 to resolve an ongoing credit card dispute with XXXX XXXX in the amount of {$490.00}. ( services not provided ) XXXX XXXX continually over charged me for services they double charded me for. After several months with no satisfaction, BoA/XXXX contacted me by phone today and informed me that BoA could not help me and would not refund the charges. I informed BoA I would contact the CFPB and the Atty Gen. office to help resolve this dispute.
I established recurring monthly payments thru Navient and XXXX XXXX XXXX in late XX/XX/XXXX and my employer, XXXX XXXX XXXXXXXX XXXX in XXXX County, provided information for the Public Service Loan Forgiveness Program enrollment. As far as I knew, timely payments were being made. This is evidenced by my inquiry into a home loan and financial counseling with XXXX XXXX in early XX/XX/XXXX and my payments were up to date at that time. In late XX/XX/XXXX, I get an email from XXXX XXXX stating that I 'm 4 months behind! Naturally, I call right away to straighten the situation out. I learn from Navient that no payments were made SINCE XX/XX/XXXX and they had a street address in Texas and an email contact that was not mine. They made no effort to address the problem or discuss how/why payments were ceased ... ..and I HAD NEVER BEEN NOTIFIED of any issue. But now I 'm being penalized for the problem. The only option I was given was to enjoy a deferment until XX/XX/XXXX WHICH WAS NOT NECESSARY. Now, my credit score has dropped more than 100 pts with XXXX and I have no option for a home loan ... .which I had planned to apply for this XX/XX/XXXX. I need help! I need Navient to explain to me what happened and TAKE RESPONSIBILITY for mishandling my loan payments, possible re-enroll me in the PSLF program and acknowledge any interruption in payments was their fault. I 've fought my way back to XXXX after being XXXX by a XXXX XXXX XXXX on, XXXX two parents after battles with XXXX and I HAVE NO FINANCIAL SAFETY NET. I had to rebuild everything I had from scratch and I am quite tired. I would be most grateful for any guidance you can offer. I will be submitting another phone inquiry to Navient in the next 3 business days to confirm my recent tax information has been accepted online and they are prepared to reinstate lower payments ( as I lost a 2nd job last year and have nearly {$8000.00} less in annual income now ). I still need an explanation and some sort of accountability for Navient 's error so I can be made whole again and reduce considerable anxiety about what I 'm going to do about a home in the future. Thank you for your attention and assistance. Very grateful this options is a real one to get sound advice! XXXX
I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.
i don't have any knowledge of this account. please send me a full validation of the debt with bearing signature. also the account needs to be 100 % accurate, Verified and timely
The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.
Due to a significant drop in income, I initiated an application for mortgage assistance/modification to Chase on XXXX/XXXX/15 - since that time I have repeatedly submitted document after document per their request. I have been told on FOUR occasions that they had all the information they needed to proceed with their underwriting process. During this 7 MONTH process, I have complied with all requests and continued to make my mortgage payments - even though I had to take money out of my retirement to make those payments. Chase employees have lied to me several times, and failed to come up with any modification to my loan. I have read online that this is a common complaint and has resulted in multiple lawsuits - which may be the only way to resolve this issue. Either Chase is lying that they even have a loan modification program, or they make the process so impossible that homeowners are forced into foreclosure.
On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.
This is a debt that is over 6 years and Cavalry Portfolio Services is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
We purchased a home in XXXX XXXX and financed with XXXX XXXX. We voluntarily set up an escrow account for our property taxes and insurance. According to our closing disclosure which I have attached, the last page and paragraph of that document indicates that we may be able to cancel our escrow account and if we do, we would have to pay the property taxes and insurance on our own which is what we intend to do. Since we are a new development and one of the first homes sold, our local County has not come out to access what the actual property taxes would be and the projected tax amount is an estimate only. Until then, we do not feel comfortable handing out over XXXX a month to a bank where if it was in our control, we could at least earn some interest on it. Since we live in a new development, the taxes have not been assessed. We are only paying on the land until the county comes out to assess. The next tax payment due is XXXX. Our home owner 's insurance is paid in full for 1 year. Freedom mortgage has over XXXX in unused escrow funds. We were advised by Freedom Mortgage we can opt out of the escrow account since it was voluntary if I sent a request in writing to them and could provide proof that we had enough in savings to make the next property tax payment. I provided that info to them on XXXX/XXXX/XXXX. I called and asked them the status of our funds on XXXX/XXXX/XXXX and I was told I would have an answer on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was advised my request was denied due to lack of payment history since we have only had this loan for a short time. This is not in my loan papers. Again, we were advised on XXXX/XXXX/XXXX by Freedom Mortgage, since the escrow account was voluntary and I had funds, we would have our unused monies returned and the escrow account cancelled. I was also told an escrow review would take a week. When I called back a week later, I was told it would take 30 days. I called back on XXXX/XXXX/XXXX and was told to call back in another week. I was then advised on XXXX/XXXX/XXXX that the only way to get out of the escrow was to refinance which is ridiculous as the refinance charges would cost around the XXXX I have in unused escrow monies We want our escrow account stopped and our unused monies returned to us at once. I was promised a call back by a supervisor " XXXX '' and never received one. I asked to speak to the escrow department and was advised that they did not accept outside calls. This is predatory lending and unjust.
I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.
During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this!
First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.
University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.
An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used
Myself and my husband had our hardship resolved and was able to remain in our home after we were swindled by two real estate agents, long story short we applied for a loan modification which was approved this XXXX 2016 after paying the trial period amount of {$2200.00} for three month i called in to pay XXXX on the XXXX and was told the loan was now XXXX via the automative service, i immediately hung up and called back so i can speak to a live person who also assured me that this was my new amount and i will get adjusted information in the mail. 
On the XXXX i received a call stating i still owe XXXX i was just as confused as the person on the other end who took over an hour to pretty much tell me it was an error and i have to pay late fee and they cant help me resolve this issue.I called and spoke to over XXXX people and no one could give me a straight answer not to mention my XXXX statement came with the lower amount on it as well. 
Still confused and overwhelmed
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.
Received an alert from credit monitoring service that inquire from XXXX XXXXXXXX XXXX posted on my account XX/XX/2018. Contacted Trans Union to notify that I did not apply for credit and inquiry is unauthorized. TU advised that I contact XXXX   to have inquiry deleted. Contacted XXXX and was advised to contact TU to have deleted because they have not record of application on file. Contacted TU to have inquiry deleted after explaining what was advised by XXXX. TU indicated that they could not delete and I would have to contact XXXX
About JC Penny Credit Card. I found XXXX of {$2.00} minimum interest charges in XXXX/XXXX/15 and XXXX/XXXX/15 statements. I called JC Penny Credit Card around XXXX/XXXX/15 to ask why and they explained they were on the purchase I made on {$5.00} on XXXX/XXXX/15, which went to the remaining " promotional '' rate of balance and therefore those charges were made. 
First, no explanation until the call that that amount went to that kind of balance. 
XXXX, the lady on the phone waived those XXXX {$2.00} charges ( total of {$4.00} ) and I confirmed online that those charges had been refunded a few days after the call. BUT mysteriously, XXXX of the refunds had been disappeared when I checked online today. 
Third, assuming only {$2.00} were refunded, the latest balance that not reflect the refund. 
Fourth, the refund was made on XXXX/XXXX/15 and another {$2.00} minimum interest charge was made on XXXX/XXXX/15. I can see those on " Recent Activity '' page of their website, but again mysteriously, those transactions are not in the statement on XXXX/XXXX/15. 
I was just sick and tired of this never ending charges and just paid the remaining balance full today ( XXXX/XXXX/15 ), but I want those {$2.00} x 3 times = {$6.00} back or at least {$2.00} x 2 times = {$4.00} back as was agreed and done on XXXX/XXXX/15 phone conversation with JC Penney Credit Card Support lady.
Seterus, Inc filed a false report with the XXXX major credit bureaus indicating that my XXXX 2015 mortgage was late when in fact they received the total loan payoff on XXXX XXXX, 2015. It should be noted that late fees are not assessed until the XXXX of each as per the terms and conditions of our contract. I am unable to secure a mortgage for my new home because of their actions.
I'm reporting a serious issue with my XXXX XXXXXXXX. Ocwen has continued to report false information to the credit bureau and mishandling my private identifiable information. Each time I have to try to spend weeks collecting data to prove they made a mistake. They have " accidentally '' mailed me someones financial information mixed in with my information, as well as given my information via mail to unauthorized persons. As per, for the third time they recent reported to the credit bureau that I'm made a partial payment XXXX of XX/XX/XXXX. This significantly lowered my score ( evidence attach ). Each time Ocwen makes this mistake they state if will be corrected, but as soon as I know inquire about another lender, Ocwen again response false information to the credit bureau with 30 days of my inquiry. This time Ocwen also reported that I'm in a paying plan currently. This is absolutely false. I make full monthly payments and have not missed or been late on a payment in years. I'm not in a payment plan. I have attached proof that's Ocwen falsely reported to the credit bureau that I making partial payments. It is a federal crime to knowingly report false information. This is the third the Ocwen has done this to my account. Each time I've had to send written notifications to get it fixed. I'm now going to escalate this issue to determine if I can press charges again Ocwen for continuing to make false claims on my account to the credit bureau which effects my ability to change mortgage companies. Ocwen is on purpose violating my right with continually padding my account with negative and false information. I demand my account be fixed to reflect that I have made on-time payments and that I'm not in a partial payment plan. I also demand the Ocwen fix the false reporting they did to the credit bureau for XX/XX/XXXX - XX/XX/XXXX that I'm in a partial payment plan. The false information from Ocwen is negatively impacting my credit score. This is the second time in 8 months that Ocwen has made this mistake three times total. It must be correct immediately. I invoke my right to be notified in writing that the issues have been resolved. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Citibank Na., Best B Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,
Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,
I been a customer with Barclaycard for couple of years now. On thevXX/XX/2016 I have call the for a dispute matter I noticed on my account. I have stay in contact with them every week. Today XXXX/XXXX/2016 I just fount out my claim was closed because of no communication. I have been transferred couple of times but they would not transfer me to a manager when I asked for one. I have never received a letter in mail or phone call regarding this matter. I am disputing the amount or {$200.00} form XXXX XXXX because I did a online application and was specified to me if my application is denied the money will never been take out of my account. I have the denial letter with all my information. Please help me with this matter
This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.
My account with XXXX XXXX was the subject of identity theft and fraud. XXXX XXXX   continues to report invalid and inaccurate information to Equifax. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and XXXX XXXX has failed to comply. 

XXXX XXXX  has also repeatedly failed to send account statements as requested many times.
Equifax announced that they had suffered an account breach that compromised the information of over 143 million Americans. After checking whether or not my information had been compromised using the site they provided, I was told I was affected. This data breach may have compromised my credit and divulged information such as my social security number, accounts, and addresses. I checked my credit report using XXXX from all three agencies ( including Equifax ) and everything seemed normal. I also added a 90 day fraud alert to my account but had to use XXXX 's site for that as the Equifax site was broken.
Equifax has not set up proper protection. My information has been leaked to hackers! along with my husbands