WillisBack/dataset-financial-user-claim huggingface dataset:
Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.
In XXXX of 2017 My house burned. I had to have a public adjuster group assist in getting fair value. They took $ 30K of all monies. XXXX gave all monies to the mortgage company Looking at the Freedom Mortgage web I was given {$140000.00}. {$140000.00} - {$30000.00} = {$110000.00} Freedom Mortgage gave me $ 40K and said when done 50 % they would give more. How do I get 50 % done on $ 25 % of the monies. I fought for more. finally got it and completed 55 %. They gave me another $ 25 % and said I get the rest when 100 % done. I fought again How do I finish 100 % on 75 % of the monies. they finally gave me another $ XXXX and I am at 80 % complete. I have been fighting to get the remaining $ XXXX to finish rugs, doors, dining room floor and molding. They will not release it. My mortgage is only {$720.00} per month. In essence Freedom is holding 22 months of mortgage payments. The monies given to Freedom were about $ 40K above the actual mortgage and they did not even put the monies, that were technically mine in an interest bearing account. I take care of a homeless man and his XXXX XXXX XXXX son which also contributes to expensis All the above letters, inspections, and requests to Freedom Mortgage can be found on their web sites. I will supply anyone with the info to log in and see dates and times.
This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save my home
I have been having problems with Lynx Asset Services for the past five years. They were doing dual tracking and did not apply NJ Homekeeper funds accordingly to our account. I am in bankruptcy now and foreclosure trying to stay in my home that I have been paying for since 1997.
I have pulled my credit report in XXXX 2016 and found that Mid Michigan CB placed XXXX collections on me. I send out letter to dispute both debt in XXXX 2016. Mid Michigan did not respond. I filed a complaint to Consumer Financial Protection Bureau Case # XXXX in XXXX 2016. They send out the XXXX original document from the original creditor for {$16.00} which I have proof that it was paid. I will send you documentation on it. They have not sent me the other XXXX for {$130.00} that they say I owe and the account number is # XXXX. Mid Michigan CB had over six months to Validate this debt which they have not. The have violated FDCPA requirements.
Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks
I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.
My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?
I borrowed {$500.00} from Bright Lending ( brightlending.com ) for a family emergency on XX/XX/XXXX. With the understanding some of the payment will be toward principal. I tried to log in to the account on XX/XX/XXXX to see how my payment is being applied and to obtain a copy of the contract. However, once I went into the account, I could not find any of my information. The portal will only allow me to request another loan. I called the same to day to retrieve my contract. I was told I could get the information from the portal. After several more attempts I was unable to obtain the information. I called once again and requested to have the contract emailed to me. However, this never occurred. 

I continued to pay the loan from XX/XX/XXXX through XX/XX/XXXX in the amount of {$150.00}. I called on XX/XX/XXXX to pay off the loan and was told I owe more than the {$500.00}. When asked why wasn't any of my payments applied to principal, the supervisor XXXX advised only some of my payments will only be paid to principal. I also asked her which payments would be applied as that was not specified in the contract, she stated it doesn't matter which payments. She also stated she could not pull up my contract at that time ( which also made no sense to me ). She said she would said me another contract after the call. I have not received the contract.
This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.
in XX/XX/2009 I applied for and receved a reverse mortgage to make a few repairs and renovations to a home that was given to me by my parents. the lender was Financial Freedom/Citi XXXX and backed by FHA. We did the repairs that the appraisers said must be madebefore they would release the funds. so we did the repairs and then some, then we looked into weatherization and the young man who came over told us there were broken beams in the roof and he could n't put insulation because of that and the roof leaking. we knew we had a leak somewhere, because of inside damage. all of this was observed by th appraisers, it had to be. so we had homeowners ins on the house and so we called our insurance over to fix the roof, they said the only thing they could fis was the fixwas the damage inside due to the condition of the roof and it had been that way for some time. so we fixed it and then we got another insurance company because they offerd us lower rates on car/house package. it was XXXX XXXX sent over an inspectorand he got up in th roof and did a complete inspection. got in the attic and in the crawl space as well and the whole thing. a few days later I got a letter from XXXX, saying we were being canceled due to the fact that the roof had a XXXX year life left on the roof. Once that hit the system we were not able to keep homeowners ins. As soon as they know the roof conition they cancel us. so financial freedom started getting ins on the property just to protect their interest, no liability, and were making us pay for it, we couldnt pay it, so when it got to {$5000.00} they sued us and Illegally got a default judgement. all this time I had been trying to get some help to get this roof fised, so we could get our own home owners, since FHA was a XXXX on this loan and actually had their own separate loan number on the paperwork I also called them, that 's when I found out that the appraisorsof the original loan were required by law to follow specific guidelines and that any severe problems had to be disclosed to us and more importantly FHA. My contention is that financial freedom was aware of this but they did n't want to let FHA know of those serious defects because then FHA would not have backed the mortgage. and after the insurance companies discovered it and we began to investigate and I contacted FHA and started ted the complaint process with them, financial freedom/citi bank, and their appraisers. My house was to be sold yesterday at sheriffs sale, I file motions with the court to stop it but I do n't kno if it happened or not. But this loan they made me ws predatory because they purposely did not disclose the serious defects to FHA or us. Had they disclosed this FHA would not have backed this loan. and there is a grant I can get to fix the roof, but they wont give it to me now because FF foreclosed. this all started with the court action filed on behalf of ff and XXXX bank. that court number XXXX in XXXX BY A law firm of the name of XXXX P.C, XXXX XXXX, IN XXXX ( XXXX, FINANCIAL FREEDOM LOAN/CITI BANK # XXXX Phone XXXX, FHA # XXXX, I do n't kno if the house was sold yesterday I filed an appeal with the court involved on Monday ththe XXXX.
I pulled my credit and found a {$3000.00} charge from my old College. I graduated in XXXX and have not returned. I immediately file a dispute with all 3 credit Bureau Agencies. I notified my college and they sent emails, school bill paid in full and they said it was fraud. The company is call Allied Collections Service XXXX. I spoke XXXX on XX/XX/XXXX at XXXX XXXX He asked that I send him all the documentation and he would send to the legal department to have it removed. Instead they reported the 3 credit bureaus the next day that it was mine. They told me to get an attorney to call them to get it off. This is illegal to put something on someone's credit knowing it is not there's. They told me they had the wrong person but refuse to take it off. I have all of my documentation but no one will remove this error. My next step is to the local FBI for fraud if this does not work.
I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.
I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...
1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
I have a XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX  for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!!

INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ...

VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... 

LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE
This Loan was paid and should not be reporting on my credit. I have reached out to the company and the credit bureau, I do not owe this company any money
On XX/XX/XXXX I sent XXXX {$45.00} through PayPal invoiced. I was supposed to receive a XXXX account that had rare items. I texted him through XXXX and once I sent the money he blocked me. PayPal is making me wait till XX/XX/XXXX for his response and I need my money as soon as possible. I never received the account I was supposed to purchase.
Quite some weeks ago I filed concurrent complaints with the CFPB, Equifax, XXXX, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - Equifax, XXXX, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you.
An unauthorized transaction of {$460.00} was posted by account via a " pinless '' transaction. The transaction occurred on XX/XX/XXXX in XXXX XXXX. I have never been to XXXX XXXX and worked in my office located in XXXX, Illinois ( USA ) on the date of the transaction. The transaction posted to my account on XX/XX/XXXX, was pending on XX/XX/XXXX when I logged in after being notified of the potential fraudulent transaction. 

After Bank of America alerted me of suspected fraudulent activity. I logged into my account morning of XX/XX/XXXX to see the transactions, then called bank to confirm the fraudulent transactions immediately after logging into my account and viewing the transactions. My claim was denied on XX/XX/XXXX via email. When I called I was told it was because majority of the transactions never posted to my account, however when I informed them that one transaction did post to my account, I was not provided an explanation on why it was denied. I was also not told that they will " reopen '' my case. I was merely told it would be expedited and I should receive my money before end of the week. When I did not receive any notification or credit, I called customer service and on the second call I was told my claim was denied because I failed to respond in a timely manner. Later that day I called to provide additional information as I had conducted my own " investigation '' and confirmed one of the chip transaction was authorized. I then asked again about the denial of my claim and was not given an answer and that the reason for denial relayed by the previous agent about my delayed response to file should not have been the sole reason for denial, however I was told it could take up to 60 business days for me to receive a credit on my account ( if I am provided one ). 

I have been given contradictory information regarding the denial of my claim and contradictory timelines on resolution. I have been credited the international transaction fee ( {$13.00} ) related to the {$460.00} transaction but not the transaction itself. I did not authorize this transaction and should not have to wait the sixty business days if I have not been provided an explanation for the original denial. The lack and inconsistency of information has been frustrating and my timeframe to alert the bank of the fraudulent transaction has been timely.
Collection Agency by the name of Diversified Consultants Inc. is reporting a debt of {$1600.00} that they claim I owe to XXXX XXXX XXXX XXXX. I never had an account opened with XXXX XXXX XXXX XXXX so I called Diversified Consultants to try to resolve this matter. I was given the run around and promised proof of this debt upon my request. I waited over 2 months for these documents which never arrived. I filed a complaint against Diversified Consultants with the XXXX. They finally responded to the complaints by saying this maybe a case of fraud but proceeded to say they will not remove this debt and they have no wrong doing. This is a shameless company that has no regard for customer service and following laws.
I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. 

I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. 

I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. 

Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. 

I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.