WillisBack/dataset-financial-user-claim huggingface dataset:
OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!
I have disputed the following addresses ( see below ) with Equifax ( see attached letter ) and their response as of XX/XX/XXXX explicitly articulated that all of the addresses had indeed been deleted. I retrieved my most recent credit report on XX/XX/18 and all addresses are still reflected. Equifax did not delete the addresses as they stated in writing. Therefore, I am demanding that these addresses be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Once Equifax has deleted the aforementioned addresses, I would like a full updated copy of my credit report mailed to my address.
RE : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Vandalism, Theft, Damage, Fraud on behalf of property preservation company, servicer and or lender. 

To whom it may concern, This letter involves damage, theft of personal property and possible fraud caused by the property preservation company XXXX XXXX XXXX XXXX XXXX, Their employees, contractors, and or subcontractors. 

On or about XX/XX/XXXX XX/XX/XXXX secured and winterized this property at the request of the servicer and/or lender due to taxes that were not paid by the borrower. During this time frame the property was vandalized, Items were taken form the home, and the improper winterization of the property caused major water damage within the home. 

The property preservation company replaced a roof on a shed stating that they replaced XXXX square feet of roof deck and roofing material. The issue is that the shed is only XXXX '' by XXXX '' for a total of XXXX square feet. Then they charged for XXXX sq ft of roofing material but install XXXX different roofing materials on the roof. 

It is my understanding that HUD has to approve these repairs and in just this one issue I believe the maintenance company may have committed fraud based on the false statement of square footage of the shed roof. 

I have been dealing with these issues since XX/XX/XXXX with The Maintenance Company ( XXXX ) The Servicer ( XXXX ) and The Lender/investor ( AAG ) as well as the insurance carrier at the time ( XXXX ) Insurance Co. Obviously to no avail. All entities involved refuse to accept responsibility. 

I have detailed documents supporting all my concerns and have run into walls with all involved. I am requesting that someone contact me so that I can get some questions answered and hopefully offer a solution on how to move this issue forward. 

I am currently seeking {$7700.00} in restitution for Vandalism, Theft of personal property, Fraud, and water damage due to improper winterization of property. 

I believe that AAG should be held accountable due to the fact that they are the lender/investor that contracted with XXXX XXXX XXXX XXXX XXXX. It is my understanding that the lender must assume FULL responsibility for all actions created by their contractors as noted in the XXXX letter to motrgagee. 

I can be reached at any of the above contact points ( preferably phone ) at your earliest convenience. 


Sincerely XXXX XXXX Son of deceased parents XXXX and XXXX XXXX
RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )
This is pertaining to a violation of the Fair Credit Act. We have contacted Experian providing them with Cease and desist letters and informing them of fraudulent accounts. I would like to file a formal complaint of their non compliance. They updated the accounts you see below as accurate with out providing us origination documents to support their verification efforts there fore we are requesting removal of these accounts. 

Disputed accounts include ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.
On or about XXXX/or XXXX of XXXX, XXXX XXXX company had placed a judgment on me in lieu of {$800.00}, and we came to agreement when we went in front of the Judge, in which XXXX XXXX represented agreed that I will pay my past due bill of {$800.00} which I did, and upon my paying off the debt that they would in return send a settlement letter to the court and me, which they failed to do as a result you have a unlawful judgment against my credit. Furthermore I have found out that XXXX XXXX has been out of business, because XXXX XXXX was contacted on XXXX/XXXX/XXXX by the BBB. In which the company stated they are out of business BBB also reports on a company that is out of for three years from three date the company closes its doors or ceases to do business. Please understand that I 've tried numerous times calling to find out what happen to the settlement letter they were suppose to send me, way before I found out that they were out of business, I 've went to the Courts etc ... trying to get some type of number or address on XXXX XXXX, just to find out through the BBB that they closed or folded their business in XXXX, but never up held their end of our agreement. Now here some 4 years later I find that there is a judgment on my credit by Transunion from XXXX XXXX which is false and need to be removed. Not because they went out of business, but because they never contacted me to let me know that they sent a settlement letter to me or the courts. So with that being said I 'm requesting that Transunion remove this judgment off my credit and send me a satisfied letter stating that this judgment is removed and settle with XXXX XXXX.
I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.
When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXXXXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
I applied for a 15-year fixed rate refinance on my home with Bank of America on XX/XX/17 with a cash out amount to cover bathroom remodeling. I paid BOA over {$500.00} for a home appraisal. At that time my master bathroom was gutted to the studs. Prior to allowing the appraiser ( hired by BOA ) access to my home, I asked her if the unfinished bathroom would be an issue with the loan. She stated no- only if it was an addition to the home, not an interior renovation. One half hour before closing time on Tuesday morning a few weeks later, I got a call from the closer stating there were no closing documents and that closing would not take place. I then called BOA who stated there was a glitch and since my renovations exceeded more than .05 % of the appraised value of the home ( XXXX ) - that the closing could not occur until the bathroom was at least partially completed. BOA had that appraisal for several weeks and no one said anything about my gutted 40 sq. ft. bathroom until the day of the closing. I then incurred heavy credit card debt to finish the bathroom so the loan would go through. BOA wanted to know how the bathroom was paid for- where I got the money from, etc. I cashed in an IRA for XXXX to help defray the costs and ran up my XXXX card, and used my savings to pay for the bathroom at their demand!! They demanded another inspection ( at MY expense ) which was completed. I was promised after the inspection a closing date would be set. There were several other closing dates set, but all were called off. There was a re-evaluation of my debt-to loan ratio and they demanded more and more information on a daily basis. This went on for over 3 months. I have gotten ill twice during the process. My hair fell out in clumps. BOA had me in a Catch-22 situation. I did not have money necessary to complete the renovations, and that is why I applied for the loan. They then balked at processing the loan due to the debt I incurred FOR THEM!! And each day they prolonged it, it is cost ME money due to fees to extend the rate lock. I finally threw in the towel and cried ENOUGH! This is consumer ABUSE!!
I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.Experian has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.
I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't
I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion
I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.
The selected problem is with another lender as a result of the problem created by 53rd bank. 
Here is what happened : My business loan with Fifth Third Bank here in XXXX Florida seems to have fraudulently-dualized liens attached to my property creating a double lien exposures that frightened a prospective business partner who refused to proceed with a deal causing me great pain in retrieving and recycling my trapped equity to lighten my monthly recurrent financial burden. The property involved is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Florida XXXX housing my company, XXXX XXXX. As at the time of the deal, the company 's rep Mr. XXXX XXXX sold to me the idea of refinancing an existing mortgage in the property in the amount of {$120000.00} and because the equity was close to another $ XXXX-XXXX, my standing improvement project at XXXX XXXX XXXX XXXX gets approved to the tune of {$230000.00} so that l could get about {$30000.00} l needed from the improved loan amount to finish up my improvement. From the above descriptions, my combined loan on closing was {$360000.00}. Now in recording the liens, Fifth Third Bank asserted a questionable right and recorded three liens of {$120000.00} and {$230000.00} on XXXX XXXX XXXX XXXX XXXX XXXX. property and {$230000.00} on XXXX-XXXX XXXX  XXXX XXXX address. This action they claim as " cross-collateralization '' now indicates to a low information consumer that l owe the bank {$600000.00} at my closing and not {$360000.00}. This l believe is outright deceit, dishonest and fraud that is hurtful to my financial interest. 

Since the XXXX-XXXX XXXX XXXX XXXX property is now completed, a cross-collateralization of its loan {$230000.00} with another property in exact amount is " fat '' lie. This amount to an attempt to easily steal my property should l have a financial downturn and difficulty and l want this action to be investigated if the bureau has the power or be referred to the appropriate authority for investigation. Yes l signed the document because their rep played a dual, conflicting role for the bank and my company. In doing that there is a conflict of interest since there was no third party title company used to steer the deal away from conflict of interest which clearly took place here especially now the bank is using its legal muscles to pressure me to refinance my deal against my time-table even when l still have time left on the mortgage and promissory note. After discussing with a prospective lender, his argument is that since l have two liens on one property, his lien will be third in line and he refused to proceed with the deal. This is creating financial difficulties for me because l have enough equity in the property to help me liquidate some of recurrent and unnecessary liabilities and still engage in a construction loan agreement with the said lender. 53rd Bank needs and should correct this fraud and if they owe me money, l need that be paid back to me too.
I am tired of the the way my loan is being handle by Bank of america. I submitted a new modification packet since the beginning of XX/XX/XXXX and today I called to make sure they have everything in. I was told they have not received anything I got very upset because I fax my documents to three different fax numbers so this would n't happened.the specialist provided me with another fax number. I told the Agent I  have an active sale date and is urgent for Bank of america to get my documents so a new review can start. I am very frustrated that I am doing everything I can to work with Bank of america so I can be provided a resolution. But I feel Bank of america is purposely prolonging the case so my home can finally foreclosed. I am making enough to be provided an affordable trial payment. My intentions are to keep my home. I will do whatever it takes to show Bank of america I want to be current once again. The previous trial payments was completed it 's showing I am able to afford my mortgage payments. The only thing that I did n't complete was the contribution I was being asked to pay {$6000.00} to bank of america. Those were funds I dont have available and I explain all of this to my specialist and still Bank of america refused to work with me. Now I was forced to reapply, and that is what I have done.
Yesterday I contacted my credit card company, Discover Card, to understand the calculation behind the interest charge on my XXXX statement? It is a simple question. I requested that they provide me a daily breakdown of how the balance subject to Interest Rate is determined. Yes I want Discover to be fully transparent in how they calculate that number. I also requested that they provide me a breakdown of the how annual percentage rate ( 11.99 % ) is applied to the balance subject to interest rate. They were kind enough to deny of my request however they did give me the verbiage in the credit card statement or agreement. Obviously that is not enough because it is not transparent. I am a visual person and need to physically see and verify what they say corresponds with the mathematical commentary.