WillisBack/dataset-financial-user-claim huggingface dataset:
Cfpb # XXXX XXXX From my complaint filedXX/XX/XXXXXXXX XXXX stated that yes we conducted the sale transaction at XXXX XXXX XXXX. In XXXX XXXX XXXX response you said previous claim was denied and turned over to the underwriter. 1. Who was the previous claim with and denied? 

Who is the underwriter? 

You said parks title did the title work, then show it. 

Why are both of our names at the top of the title which has forced me to update law enforcement XXXX and have served a 30 days notice to XXXX XXXX. 

Cc. 

XXXX police department XXXX county sheriff dept. 
Michigan state police mortgage fraud task force XXXX fbi Because I was not happy with the statements to me yesterday, I asked to speak to her supervisor XXXX XXXX, both I was unhappy and asked to speak to the supervisor above them. They would not give me the persons name, I left messages at each of their phone numbers today asking for the supervisors name above them. After some research I was able to locate the CA headquarters office. I called there today at XXXX I spoke to a gentlemen who asked me for the claim number, I gave him this claim number which was given to me XXXX. He immediately indicated that the claim number was one number short. I indicated to him that this was the claim number from XXXX XXXX. He said well give me the address, he located the property by address. He then indicated that the supervisor I needed to speak with, is XXXX XXXX. That he will be calling me back today. 

I received a phone call around XXXX XXXX from XXXX XXXX, following up on my complaints. He said was sorry for me and it was complicated situation. He listened to my story. He advised me to talk to XXXX XXXX, he indicated XXXX XXXX is above XXXX XXXX and XXXX XXXX gave me his number which is XXXX. I brought to his attention that I was told one number was missing from the claim number by his assistant claim number XXXX. He corrected me, he said the claim number is XXXX. I then told him this is exactly the claim number XXXX XXXX sent me by email. He then clarified with me that I was missing the 9 at the end. As he starting to give me XXXX XXXX number the phone call disconnected.
I am once again having a issue with the way that this finance company handles accounts. I have a vehicle loan with this company and it seems that they are more interested in taking car back than assisting customers. I have had this loan and worked very hard to get my account caught up. Once it was caught up I was injured at work and needed to miss payment while waiting for short term payments to start. I called to see if my payment can be deferred to the end of my contract or held for a month until payments started and no one at company was willing to help. The only reply I get from them is that my car will be shut off and picked up.
Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.
I sent a letter to Experian on XXXX XXXX asking them to research what I feel are mistakes, or things I just do not recognize on my credit report. They sent back a letter saying my request was suspicious. I do n't understand why they wrote that. I provided a copy of my drivers license, bank statement, and social security card. Who else could be writing them trying to get things fixed on my credit report? I could see if there were suspicious purchases or things being reported. But I am looking to get things fixed. 
This makes no sense to me.
Got a collection on my credit report without even being contacted about anything with this scam company. No communication was sent to me I never spoke to anyone.
GENTLEMEN : THE FOLLOWING, MOST RECENT LETTER TO WELLS FARGO EXPLAINS MY ISSUE. 
I HAVE TO PUT THOSE NECESSARY DETAILS WHICH SHALL ENABLE YOU HELP ME. 
I AM LIMITING A/C INFORMATION BY INDICATING JUST LAST DIGITS. 
THANK YOU. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ** Ref. : a/c XXXX of XXXX XXXX & XXXX XXXX XXXX Gentlemen : Dear XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX : With reference to my above mentioned account and to my recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX visits to your branch, please, TAKE NOTICE : 1 ) Since XX/XX/XXXX, XXXX XXXX XXXX . for unexplained, unjustifiable and abusive activity is illegally retaining my sizable $ XXXX-plus balance, 2 ) Since on XX/XX/XXXX, Wells Fargo Officers in address, still refused to release my money unless " a retaliatory, coercing '' affidavit of responsibility (?? ) had been signed by me, 3 ) Since, as brought to Wells Fargo Officers ' attention, I have to purchase an apartment at the XXXX XXXX, XXXX, FL XXXX and I am in dire need to funding that purchase, Wells Fargo is hereby requested to immediately and not later that today, XX/XX/XXXX, to pay/ transfer/ deposit my available, full balance at Wells Fargo , to my account : XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX  , XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ***Take further notice that by further denying / refusing / omitting this final request, XXXX XXXX XXXX . will respond in the avenue of Justice for any subsequent damage in any form and consequence however  caused to the undersigned. 

XXXX XXXX XXXX email : XXXX XXXX
Credit reporting Companies suddenly Lower my score for no reason.About 79 points with XXXX and 73 points with XXXX.
I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus EXPERIAN ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week. 

The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX  I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ). 

In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report. 

Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.
Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit.
I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. Thank you!
On XX/XX/XXXX at XXXX PDT I sent an email to Coinbase asking why they never received a Litecoin transfer. 
On XX/XX/XXXX at XXXX PDT I received an follow up email from Coinbase XXXX 
On XX/XX/XXXX at XXXX PDT I responded letting them know that I was scammed buy a fraudulent web site and I resolved my issue. 
On XX/XX/XXXX at XXXX PDT Coinbase responded with an email saying they disabled my account on the same day a wire transfer went through into my account with them of the amount of {$400.00}. 
On XX/XX/XXXX at XXXX PDT I responded via email that they did not have to disable my account because the issue was resolved. 
On XX/XX/XXXX at XXXX PDT Coinbase response : Hi there, Thanks for your reply. We are trying to understand your initial claim of unauthorized activity regarding a phishing attack. 
The initial 2LTC deposited to your account were sent externally from an XXXX device. Can you confirm the date and amount of the unauthorized send? The same device was recently used in connection with your account. Can you please provide us with the URL of the website that you visited so that we can investigate further? 
Please note that your account will remain disabled until our investigation has concluded. You are solely responsible for the security of your devices, email, passwords, and 2fa codes. 
Thank you. 
Coinbase Support On XX/XX/XXXX at XXXX PDT I responded to Coinbase with the information they wanted. 
On XX/XX/XXXX at XXXX PDT I had not received a response. I sent an email asking if they received my email. 
On XX/XX/XXXX at XXXX PDT I sent an email asking Coinbase to refund my money. 
On XX/XX/XXXX at XXXX PDT I called Coinbase customer support and they said my work order was closed. They reopened the work order and put my work order at the end of the que. 
On XX/XX/XXXX at XXXX PDT I received an email from the email I sent on XX/XX/XXXX at  XXXX PDT asking me to reply with a statement. 
On XX/XX/XXXX at XXXX PDT I replied with the following : I believe my devices, email account, and 2FA applications are secure, please enable my account. 
Today XX/XX/XXXX at XXXX PDT I have not heard back from Coinbase . All I want is my money back. 
Thank you
I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.
I have contacted XXXX XXXX, Experian and XXXX on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?
An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.
There was nothing to explain further. I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
XX/XX/XXXX I got excepted into The Hardest Hit Program. UMAP ( Unemployment Mortgage Assistance Program ) /.MLRP ( Mortgage Loan Reinstatement Payment ). Therefore the MLRP paid out XXXX towards the past due amount of the mortgage.The loan funds can used to pay monthly mortgage, escrow expenses, property taxes, homeowner insurance.All funds will be disbursed by Florida Housing directly to the loan servicer on behalf of the homeowner. In addition current pending Litigation, including foreclose proceedings with the Mortgage lender and or other parties must return the loan to its original anoint. In my case XXXX Therefore the original loan has to be reinstated! Which at this time NATION STAR has not done so. 
Furthermore, UMAP pays out to the Lender on my behalf in the amount of {$1100.00} per month towards my monthly mortgage payments during the term of my UMAP assistance of one year. Nation Star has taken the Monthly payment and has applied for their legal fees in the amount of {$920.00} per month plus a charge of {$45.00} per month for Property Inspection. Which become a total of $ {$970.00} out of the {$1100.00} per month that is suppose to go toward a mortgage payment. Therefore according to Nation Star the payment that is left towards the Monthly is {$170.00}? Nation Star has violated the terms and conditions of the Florida Hardest Program. And state that I still owe them a balance due of {$34000.00} as per their XXXX/XXXX/2016 statement. 
Finally the topping on the cake. Nation Star was Foreclosing on me while at the same time try to get me a Loan Modification on the home. According to Florida State Law called " DUAL TRACKING ''. No Financial Institution can provide you a LOAM MODIFICATION WHILE AT THE SAME TIME, AS DOING A FORECLOSER ON YOUR HOUSE. 
And till this date, with countless calls to NATIONSTAR no ones has borrowed to assist me or do anything that they where suppose to do then they accept the payment from FLORIDA HARDEST HIT & gt ; XXXX
I closed my student loan accounts with " XXXX '' after I consolidated my loans with a new company. So now my loans are consolidated with a new company, I called Experian to notify them that they are violating FCRA guidelines by displaying false and inaccurate info about me in my credit file. Experian said they didn't care and hung up in my face. I disputed the inaccuracies hundreds of times and Experian continues to display them in my credit file. Now Experian has denied me the right to dispute any inaccuracies on my credit file without sending me a frivolous dispute letter which is once again against the law. The only thing I can do now is contact the attorney general, CFPB and a private attorney. Experian has a too big to fail attitude and they are climbing up the ladder to success by stepping on the backs of hard working Americans. Experian is responsible for billions of inaccuracies and they have the attitude of " we don't care as long as we can earn a profit by violating FCRA guidelines ''. Anybody that calls and disputes inaccuracies is treated like a liar by Experian.
My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.
Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.