WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried contacting People 's Bank on XXXX different occasions. They will not respond with anything of substance. I only received 2 letters saying they will investigate but then no investigation results. I have disputed with the credit bureaus many times, each time the credit bureaus report that People 's Bank has responded that the account is accurate. 

I requested documentation about the " alleged '' late payments. I requested copies of statements and payment records but they refuse to send them to me. 
The issue is that they are reporting different late payments to different credit bureaus. Because they are conflicting information there is no way for it to be accurate. If XXXX bureau has accurate information then the other bureau which has conflicting information must be inaccurate. They refuse to investigate or provide any documentation to me. My first request was made under the authority of Section XXXX of the fair credit reporting act and was sent certified mail track # XXXX which was received by them on XXXX XXXX, 2015 at XXXX XXXX. 
I am seeking your intervention here to make these people aware that they are not complying with the law. 

Please help me. 
XXXX XXXX
Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from XXXX XXXXXXXX which was not made be me and was 100 % fraud. This was not authorized by me. I called XXXX XXXXXXXX regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
I took out a home loan in 2004 with XXXX XXXX DBA XXXX. CALIBER HOME LOANS now claims to be servicing my loan. I have sent this is a Qualified Written Request ( QWR ) to TRUSTEE CORPS and CALIBER HOME LOANS to validate the following and they have still not replied : 1. ) Evidence of actual possession of the note by the alleged Trust. 

2. ) XXXX XXXX does not have authority to foreclose since we do not know who the owner of the Note truly is. 

3. ) CALIBER HOME LOANS is merely a servicer and does not possess the Note and has no enforcement rights, nor ability to foreclose. 

4. ) XXXX has sent us the attached document showing different amounts due and is claiming to be conducting this unlawfull foreclosure. 

5. ) In order for you to institute a valid foreclosure proceeding, you must be able to establish compliance with CCC 3-301, at commencement of the foreclosure proceeding, the recording of the notice of default was 2 years ago and wrong. 

6. ) The most basic requirements of CCC 3-301 ( a ) or CCC 3-301 ( b ) have not been met : 7. ) 3-301 ( a ), Holder of the instrument : The previous entity that filed the Notice of Default and subsequent actions was not the Holder of the Note the entire time. 

8. ) We now challenge transfer and possession, and under California law, there are two requirements for a person to qualify as a Holder : ( a ) ACTUAL POSSESSION : We need to know who is the company/person with actual physical possession of the instrument, and ( b ) TRANSFER BY ENDORSEMENT : the instrument is not payable to that person where the transferor must indorse the instrument to make it payable to the transferee ( See CComC 1201 ( 20 ) ; CComC 3205 ( a ) ;. 

9. ) We now demand inspection of the original note. 

10. ) We now demand proof that possession existed when the Notice of Default was  entered. 

11. ) We now question the endorsement and negotiability since it was not proper and timely. 

12. ) We do not know when the note was endorsed? 

13. ) Who was it endorsed to? 

14. ) Is there an agency relationship between the foreclosing agent and endorsee? 

15. ) Is there a purchase and sale agreement that gives Holder rights, and did it exist prior to the Notice of Default?
My loan has been transferred to navient ... .a while ago ... 
When I started with navient and with my old loan company I was able to repay my loans individually ... .as I have XXXX remaining .... 
navient has changed their policy so I can not pay the XXXX loans I have with them individually unless I call in every time I have to pay. I wanted to repay the loans individually so that I could overpay on XXXX loan only ... .not XXXX so that I could finish paying off XXXX of the XXXX loans first and then pay the other ... I was able to pay that way originally and I feel I should still be able to since they are individual loans that I took out at different times. Therefore, why can i not pay for them individually? That is ridiculous ... the loans have different identification numbers yet I am forced to repay them online or by mail combined ... .that is not fair or just ...
I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.
XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as Experian, XXXX and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX
I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.
The collector is actively trying to collect on a debt in which the last activity was in XX/XX/2012. As a resident of the State of Texas, the statute of limitations on debt is four ( 4 ) years. In addition, I contacted the collector and asked for debt verification that met the standards of the Fair Debt Collection Practices. The collector only provided a " balance due '' statement with none of the characteristics that qualify under debt verification standards. 

I have subsequently sent another letter to the collector via certified mail, return receipt requested, informing them their response did not meet the requirements. I asked the debt be removed. I also notified them they are trying to collect a debt past the statute of limitation. 

As a " Law Firm '' standards exist for ethical behavior that include knowing the laws of the States in which they practice. They know, or should know, the statue of limitations in the State of Texas.
In XX/XX/XXXX I made my mortgage and escrow payment to Ocwen Loan Servicing , LLC in the full amount of the previous ( XXXX ) months, which was received on time. 
The mortgage has a variable interest rate, which happened to change that month, increasing the total payment amount to {$1700.00}. Therefore, my payment was short by {$56.00}. Once I became aware of this oversight, I IMMEDIATELY made payment for the balance, which the bank says was received on XX/XX/2017 ( two days beyond the 30 day late period limit ). 
The bank has reported this to the credit agencies as a MISSED PAYMENT, ( 30 ) days late. 
The payment was NOT MISSED or late, the bank held it in their suspense account rather than any number of other options over a {$56.00} shortage that was immediately resolved. 
This is not factually the same as a missed payment.
Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.
I have been contacted by Portfolio for the last 2+months regarding a credit card debt. I have told them twice, including today at XXXX XXXX that I am working with an attorney to file bankruptcy. They say they will make notes and the calls will stop but they don't. I received another call at XXXX XXXX. I have warned them the numbers they call from are being blocked and I don't wish to discuss it further. They call about 6 times a day.
Optimum Outcomes is sharing my medical information on my credit file ( which has been stolen ) and CFPB in XXXX. They are sharing private medical information and I would like them to stop due to HIPPA and privacy concerns.
XXXX XXXX XXXX has falsely reported to all credit bureaus that a HELOC that I had with them was foreclosed upon in XXXX. This loan was never foreclosed upon and I paid it off in full in XXXX of XXXX. I have the payoff confirmation letter from them. 

This has caused severe and irreparable financial and emotional damage. I can not even get a home loan because of this egregious error.
XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX and XXXX. Please remove the 30/60 day late payments from my credit reports.
I have contacted both Experian and XXXX numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( Experian and XXXX ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XX/XX/XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX. 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.
We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.
yes i have more information about sears credit card fraud investigation name people has card is XXXX XXXX and her husband put it under my name got account open under my name fraud need to be stop now
On XX/XX/2018 Bank of America without warning changed the balances on both my checking and savings accounts to - {$880000.00}. This was done with NO correspondence from Bank of America, no  phone call, no email, nothing. I later found out these represented holds on my accounts. I had no access to any money for the day. I noticed it the day it happened and contacted them about my accounts being frozen, and they wouldn't give me any information, only that I had to go to the bank branch with 2 forms of ID. So I did the next morning, at which point the bank unlocked my accounts. I thought everything was back to normal and they just wanted to verify my identification, although it was a very outrageous way of doing so. 

It wasn't until after that weekend on XX/XX/XXXX that I noticed a fraudulent {$1800.00} charge on my account. Again after calling and visiting the bank I was told there was nothing they could do until a picture of the check was uploaded. Finally on XX/XX/XXXX this picture of a bounced fraudulent check that was deposited on my account showed up. This was all officially reported to the fraud department by a bank employee on XX/XX/XXXX at my nearest branch. They then closed my checking account and opened up a new checking account as the fraudster may have had access to my checking account number. I can only speculate ( as I still have been given no information by the bank ) that someone deposited this fraudulent check at a Bank of America claiming to be me, and that the teller believed this person was me and gave this person {$1800.00} in cash for this fraudulent check, which then bounced and was put as a chargeback on my account for {$1800.00} along with a fee for a bounced check. The bank did return the fee. 

It is now XX/XX/XXXX. I have still yet received NO correspondence from Bank of America about returning the funds to my account. I have filed a police report with the local police department, I have locked all my credit reports, I have filed a report with the FTC. I have called their check fraud department twice now for updates and am told after nearly 2 months they have no update and no information. This has been a nightmarish experience that has caused a great deal of hardship to my family with a total lack of communication and lack of empathy or urgency by Bank of America. And I feel that it is due to their failure to identify a fake check, and to properly identify their customers before handing out such a large sum of cash. My funds no longer feel safe at this bank.
Equifax credit reporting agency will not remove inaccurate accounts from my credit report that I have filed identity theft for and disputed. XXXX XXXX XXXX, XXXX is listed three times on my credit report. 1. XXXX XXXX XXXX, XXXX for {$390.00} - 2. XXXX XXXX {$620.00} - 3. XXXX XXXX XXXX XXXX  {$620.00}. Two of these account have the same account number, amount and the same information. 

The other two major credit reporting bureaus have removed these accounts and updated my credit file, but Equifax still shows these three accounts and it is affecting my livelihood. I am in the process of purchasing a home and have been denied twice, due to Equifaxes incorrect reporting errors. 

On XX/XX/2018 I informed Equifax once again that I am a victim of identity theft and faxed them a copy of my Drivers License, Social Security Card, a current bill with my name on it and my FTC Identity Theft Report. I placed a security freeze on my credit report and took all the necessary steps that I was advised to do take by the FTC Federal Trade Commission.
XXXX  does not help their  XXXX  customers. I 've been recently deemed   XXXX    XXXX  and they do not even offer you a reduced payment. I was told by a representative that I would have to pay my loans as usual regardless of my income. They are heartless people and I would never advise anyone to get a loan through them.
Filed prior complaint ( XXXX ) with CFPB on XXXX/XXXX/XXXX. Chase XXXX XXXX XXXX XXXX filed a response on XXXX/XXXX/XXXX and provided an amortization schedule of what new payments will be on my Heloc. Letter stated new payments consisting of principal and interest were to begin on XXXX XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX called me to notify me that he had sent a response to my CFPB complaint and stated my XXXX payment would be XXXX. XXXX XXXX stated that he was Chase 's single point of contact regarding any future problems with my loan. Received XXXX statement and payments were still interest only not principal and interest that was stated in XXXX XXXX, XXXX letter. After contacting XXXX XXXX and requesting to rectify the situation, XXXX finally contacted me after two weeks and stating he never received any of my three phone calls to him other than just one single request. Contacted XXXX XXXX again who reiterated he made a mistake on when the date the loan would change to principal and interest. I asked again what the monthly payment would be for the loan starting in XXXX XXXX and reiterated {$1200.00} according to the amortization schedule he provided in a response to the CFPB on XXXX XXXX, XXXX. Recieved a letter dated XXXX XXXX, XXXX from XXXX XXXX stating the payment error. 

On XXXX XXXX XXXX, XXXX I went on Chase 's website to make my XXXX payment and the payment was not what the amortization schedule stated on XXXX XXXX, XXXX that was sent as a response to me through the CFPB portal. I have made my XXXX payment on XXXX XXXX, XXXX and request that Chase provide 1. Newly corrected amortization schedule. 

2. Credit on my account of the difference of what I paid ( 1537.66 ) and what the amortization schedule payment XXXX. 

3. Print out of all phone recording that Chase has regarding all my phone calls with XXXX XXXX who clearly stated my payments were starting in XXXX and now changed according to a letter dated XXXX XXXX, XXXX to XXXX of XXXX which consist principal and interest I have left two messages ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) to XXXX XXXX and two messages to his supervisor XXXX XXXX. Received no response by either. 

I have had my loan with Chase for 10 years and have never missed a beat paying my loan. I do n't know what the problem is but needs to be rectified ASAP.
In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. 
When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. 
We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband.

During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. 

We would like this to go on record against XXXX as we did everything in good faith and got screwed.
Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well.