WillisBack/dataset-financial-user-claim huggingface dataset:
I am the owner of a home at XXXX XXXX XXXX, XXXX XXXX, VA XXXX. On or about XXXX/XXXX/XXXX, a Veteran 's Administration loan was closed with XXXX as both the " nominee '' and the " beneficiary, '' and XXXX XXXX XXXX XXXX ( XXXX ) as the " lender. '' They appointed attorney XXXX XXXX as trustee ( in a conversation with XXXX XXXX that I had appx a year ago, she said she had no recollection of ever being a trustee ). XX/XX/XXXX, XXXX was raided and shut down by the FBI for massive fraud. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Reconstrust were all involved with the property for the next few years, and, then, around XXXX of XXXX, XXXX and XXXX changed the trustee to XXXX XXXX XXXX ( XXXX ). One problem : # XXXX of the Deed of Trust states only the LENDER can change trustees, and neither XXXX nor XXXX were the lender on the alleged loan-XXXX was, and they went out of business in XX/XX/XXXX. All subsequent appointments and actions of XXXX were therefore fraudulent. Carrington Mortgage Services took over around XX/XX/XXXX, and promptly threatened to accelerate the loan. I am the owner of record in XXXX County and sent them a debt validation letter to them upon receipt of their letter, which they never validated. Since then, they have, together with XXXX, twice tried to foreclose, each time being an FDCPA violation, not to mention violations of the Hobbs Act, codified at 18 U.S.C. 1951 ( a U.S. federal law that prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce-I live in Nevada ). It also a violation of XXXX XXXX, deceptive trade practices vs an older person. In XXXX XXXX, I sent a rescission letter to Carrington, which they " rejected. '' However, since the XXXX Supreme Court decision in XXXX v XXXX in XXXX XXXX, XXXX made it clear that a rescission, right or wrong, is effective from the moment it is mailed, and that a lender/servicer must bring suit within 20 days of receipt to overturn the rescission. Carrington did not bring any suit, so they are forever barred from bringing any defenses. They have harassed my tenants and thus are threatening my income, not to mention are intentionally inflicting emotional distress upon me, as I will soon be seeing a psychiatrist. Finally, they have called me twice, with an autodialer on my cell phone in the last months, which is a TCPA violation as well as another FDCPA violation. Also, Carrington ( along with XXXX XXXX ) was fined XXXX XX/XX/XXXX for fraudulent assignments-exactly what they tried to pull here, and XXXX has no license to collect debts in Nevada, which is a requirement here. The " Release '' clause in the DOT, # XXXX, says when the Lender is paid off, the property is supposed to be reconveyed ( DOT is attached, the first XXXX pages of the " XXXX '' file ). Needless to say, several parties have been paid off ( in addition to XXXX ) and no reconveyance has occurred, more fraud. Carrington Mortgage has ignored ignored a QWR letter and a UCC-9-210, which gave them 14 days to dispute my contention that there was no loan amount due. Carrington is XXXX and deserves an even larger fine than they got last year.
On or about XX/XX/18, I called to inquire about a large increase in my APR ( around 30 % ). I was initially told it could be fixed, then told it was not an error and was increased for all card holders and they sent a letter to me. 

I informed Chase reps that I never received notification. They told me they sent out 100s of thousands of letters and it isn't their responsibility to make sure I get the letter, but rather MY responsibility. Was informed it was my responsibility to tell them I was never notified. It's unfair to put the burden on the consumer who does not even know to expect said letter, especially when this information is not included in the online section that includes imortant letters and communications from the company. 

I would have never agreed to the terms and would have used other available monies. I asked that a one time courtesy be applied and my rate be restored to previous rate for purchases made to date and was denied in entirety. As Chase maintains that it was my responsibility to notify them that I never received the change in terms even though, I knew nothing about the new terms until I found out on out about XX/XX/18. 

The creditor has the responsibility to inform the consumer. I was not informed. The creditor entrusted a 3rd party to get me that information and somewhere along the line from either one of their employees or the 3rd party delivering the mail, it did not make it to me. It is unjust to penalize me, the consumer, especially when it is common knowledge that things do get lost in the mail, on occasion and the creditor had other ways to ensure that I got the notification, such as mailing it certified, or additionally, including a copy in the online platform, especially in the inbox they design, designate and provide to the consumer for important communications and letters from Chase. 

I have the right to be notified and decide and I was deprived of that through no fault of my own and the credit card company is not only refusing to work with me to rectify the situation, but penalizing me for it and putting the burden of notification on me, the consumer..
I do have a student loan open with XXXX. I am currently repaying my loan on their terms. i received a letter from RevCrest Inc. about two months ago and they stated they were holding my loan. I sent a debt verification letter to them and I have received nothing. This is their second attempt to collect on a loan I do not owe. They are also asking I put my social security number on all documents. I feel this company is fraudulent and a scam.
I requesting validation of debt and never received an response. I do not owe a balance on this account.
Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.
I XXXX XXXX set up a long term hardship program last XX/XX/XXXX or XXXX. I did all what is necessary. I made a downpaymemt and setup an automatic payment. One month after XXXX XXXX credit card collection department is calling me again cause sometjing went wrong on the enrollment process but when i ask what went wrong the answer is i dont know. But a representative called me XXXX and confirmed that im in the program. Now to enroll again they are asking for another downpayment. I paid it to enroll but its a hardship for me cause all the while i thought im already enrolled and just going to pay the minimum amount due. Now i have to pay more than what im expected and thats very hard.
Sent Transworld Sys Inc. a letter after discussing the matter with XXXX at TSI XXXX XXXX ). It is not my debt, someone with same name but clearly younger than me and a different Social Security Number. They replied to my letter of XXXX 2016 saying that it was unclear if I owed this or not so it could not be removed. I viewed my free credit report early this year so I can not access the report to contest the claim.
Was given a deferment to avoid default and one of the XXXX loans was sent to Poineer credit recovery defaulted after being told everything was fine. Now I am being charged 2 % per day in interest equaling 936 % per year.
As a background summary, I had an issue with fraudulent charges on my account and getting the matter resolved in a timely, effective manner. Due to my complete disgust with Wells Fargo 's handling of the matter, when it was finally resolved ( on or around XXXX XXXX, 2016 ), I demanded that my account be closed. I was told that it was and I confirmed this by logging onto the institution 's website approximately 3 days later and confirming that the account was removed. 
On Thursday, XXXX XXXX, 2016, I received an e-mail that my Wells Fargo statement was available for viewing. While the balance was {$0.00}, someone re-opened my account. I believe this is related to the checking account scandal. I do not know if this type of activity ( closing and then re-opening accounts ) was included in your investigation. If it was not, it should be. 
I have notified Wells Fargo of ( a ) the re-opening of my account and ( b ) my filing a complaint.
On or about XX/XX/2018 I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$2600.00} not mine
Equifax keeps on violating fcra regulations they recently reinsert information on my report which was deleted long time ago, reinsert, deleted, and now again reinsert. When reaching out to them by email they simply not responding or just giving false and funny answers. In result of this, I was already denied a mortgage, even if they correct it and l reapply, I'm not sure it will still help, and if it does, it will surely lead to an extra hard inquiry on my report. IT'S ABOUT TIME TO FINALLY PUT EQUIFAX OUT OF BUSINESS.
This is a complaint I submitted about a year ago but I no longer see it listed here. Federal loans that were taken out in XX/XX/XXXX and XX/XX/XXXX were consolidated under the new student loan programs started by President Obama. FedLoan student loan servicing has incorrect information about these loans and it is negatively effecting my ability to apply for lower month repayment plans. These consolidated loans show up as having been borrowed, gone into repayment, had the first bill due and defaulted all on the same date in XX/XX/XXXX. I was not a student in XX/XX/XXXX so no loans were borrowed in XX/XX/XXXX. A loan would not go into repayment on the same date that the first bill was due. Loans do not go into default until 290 days after no payment has been received from the first due date. So none of this adds up. I have tried numerous times to use logic when working with someone at FedLoan over the phone. I have not accused an individual of doing anything wrong, clearly this is a computer error, all I 'm asking is that someone agree that it does look fishy and then look into what may have happened. As of right now, because of the status of those consolidated loans, my monthly payment is XXXX times more than what I make in a month. I clearly can not make those payments. I need some assistance getting FedLoan to review those loans and see that they are miss-marked. I have worked with CFPB on some other loans that XXXX temporary lost and the outcome was good. Though, when those loans were transferred into the hands of FedLoan servicing, the person on the phone said that there was no such agency as the CFPB and that there is nothing called the OMBUDSMAN group. I pointed out that both these entities existed and that they were government agencies which is why they have .gov URLs, to which the person replied that anyone can get a .gov address. Clearly we are not working with the best and the brightest here.
I have contacted Equifax several times about information that is incorrect on my credit file. I call Equifax at least once a month every time I call they swear they're unable to verify my identity. Most recently I called XX/XX/2018 at XXXX central standard time and spoke with a lady that told me her name was XXXX. I told XXXX that I have a confirmation number and previously when I called Equifax they were able assist me with the confirmation number. Well she did not ask for the confirmation number and proceeded to ask me a series of questions of which I answered them all correctly but she continued to tell me she was unable to verify my identity and that I must send in a copy of my drivers license and social security card. I have sent Equifax at least 15 copies of the same drivers license and social security card. My main problem is Equifax has failed to properly verify the items on my credit file and despite my several requests has failed to delete the items and they have failed to provide me with updated copies of my credit file. Most recently Equifax sent me a letter stating the accounts in question are not showing up on my credit file but I have copies of my credit file from Equifax 's own product Equifax complete advantage that I was paying {$17.00} per month for. And according to Equifax 's own records the product that they charged me for gave me inaccurate information. I disputed an address Equifax told me the address was deleted but the address remains on my credit file.
When we bought the truck we was told we would end up only paying {$15000.00}! After paying on this truck for almost XXXX yrs they are telling us we still owe over {$13000.00}. How are we paying almost XXXX for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press XXXX it tells us that were not due until XXXX XXXX but yet your CSR told me it 's XXXX days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is XXXX wanting WAY more then what the truck is even worth. No one is giving me a straight up answer. They laugh on the phone and they are smart. I want to know why we are being XXXX ...
Why is it that Equifax has not been held accountable for their XXXX  actions and walk away with millions of Dollars?
Hello, I've have been trying to submit my information for MONTHS now to Equifax. I have sent it several times via FAX and Mail. Every time I've tried to pull my credit I have not been able to because they have an address from years ago. 

Okay, so I've called them several times to try and fix it. I have taken 2 days now trying to get some resolution but none has been made. they've just been referring me over to people after people where I have to re explain everything over and over. Taken in mind I've sent them my paperwork now several times. They still state they have nothing and only have my information from years ago yet the other Credit Bureaus have everything just fine. They have given me a claim number but still they say they have nothing. I contact my Mortgage Bankers and they state that they've sent them my mortgage balance every month on the XXXX however that there is no address. They have acknowledged that they are receiving my payments but still do not have any of my current paperwork. I spoke to their supervisor and STILL they say I can submit them online. I go online and yet I get told this from one of their online techs ; XXXX XXXX ( XX/XX/2018, XXXX XXXX  ) : In order to update information on the credit file it has to be send via mail or Fax. 
Me ( XX/XX/2018, XXXX XXXX  ) : I already sent it both ways 5 times!!!!!!!!!!! I just got off the phone with your supervisor XXXX referring me to do it here online because you guys have lost all my copies Me ( XX/XX/2018, XXXX XXXX  ) : So did your supervisor lie? 
Me ( XX/XX/2018, XXXX XXXX ) : I'm done wasting my time and playing games Me ( XX/XX/2018, XXXX XXXX ) : are you stating there is zero way to upload proof of my documents via your website? 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : As We mention before since we are speaking regarding change information of your Equifax Credit Report, the information need to be send via fax or U.S mail. 
Me ( XX/XX/2018, XXXX XXXX ) : So you are telling me that is NOT possible to send my documents via online yes or no?! 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : Regrettably, no in order to update Equifax Credit Report, the information need to be send via fax or U.S mail. 

I have done what they have asked several times and yet they are still playing games and wasting more of my time. I want to know who I need to speak with or be referred to about filling a major complaint against this Credit Bureau.
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.
I called and I sent experian letter in the mail telling them to remove some inquires that did not belong to me. they refused to do so and stated I will need to get a police report etc. I want the followung Inquires removed ASAP or i will have to seek legal help because they refuse to help me. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
XXXX XXXX - Loan # XXXX XXXX XXXX XXXX currently has a reverse mortgage with XXXX XXXX formerly Nationstar Mortgage LLC. I took a reverse mortgage on my property on XX/XX/XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind on my taxes due to a hospitalization that lasted longer than expected. I fell behind and was not able to get caught up due to living on a fixed income. I reached out to Nationstar and XXXX in XX/XX/XXXX with my daughters assistance. For three months they stated that they were sending the forms out and I never received them in the mail, finally in XX/XX/XXXX, I received the forms that needed to be filled out for a HUD at Risk Extension. I filed my paperwork in XX/XX/XXXXand sent additional information over in XX/XX/XXXX. On XX/XX/XXXXm I my extension was approved and then on XX/XX/XXXX the law Firm XXXX XXXX, XXXX entered a civil case against me. I was then served paperwork and had to appear for court on XX/XX/XXXX. I do not understand why the lawsuit was filed against me on the XX/XX/XXXX when the HUD At Risk Extension approval was completed on XX/XX/XXXX. If the mortgage company would of provided me with a the documents requested in XXXX then I would not of received the law suit. I was approved for the HUD At Risk Extension on XX/XX/XXXX and XXXX XXXX generated and sent me a letter on XX/XX/XXXX, almost two weeks after I was approved. Which this allowed for enough time for the law firm to file the law suit against me.
I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.
On XX/XX/2015, I filed an dispute with Citi cards CBNA, and advised thatTitle 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information, and the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, Pa XXXX. 

As I am sure Citi are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise your company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of the letter dated XX/XX/2015, I will be forced to assume that Citi were intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi failed to respond in writing, signed by hand, in a timely manner, I would assume that Citi are in error and this matter will be challenged. As Citi further know, the dispute letter has the same effect as a dispute of the accuracy of the alleged debt and their claims. The dispute with Citi was an attempt to collect evidence of their noncompliance in case further action is required. It is was not a statement, election or waiver of status. 

If Citi fail to comply within 15 days, I advised Citi I would file a complaint with the CFPB, as well as the XXXX. I never received any correspondence from Citi as of today XX/XX/2015, and the allotted time for the dispute has expired. I check my XXXX, XXXX and XXXX credit report and Citi tradeline is there.
Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.
I contacted a representative of Key Bank about a mortgage. The very first thing I told her was that I had a lot of student loan debt and asked if the program would work for me. She said yes. I then told her that I had already had my credit run a few times and we needed to wait for my report to show the correct payments on my student loans. She said I can check XXXX and monitor it for the correct payments, then let her know so she could run my credit. I did this, then emailed her that XXXX did not show the correct payments yet and we should wait. She then said that she had already run my credit report. Not only did I not authorize this, but I explicitly stated I did not want to run it yet. Because of this, I have too many inquiries on my record and my score has dropped XXXX points in at least XXXX of the agencies. This is a measurable difference of over $ 100/month on my mortgage payment, a serious financial damage. This inquiry must be removed from my record.