WillisBack/dataset-financial-user-claim huggingface dataset:
My mom passed away on XXXX XXXX, XXXX. She left XXXX mortgage liens, one was taken off. We had the estate probated and the deed transferred into both my brother 's name and mine. About one year ago, a real estate company started coming around invading my privacy. They posted large paper on my front and back doors. They started sending harassing letters about removing me from my mom 's house. They have been showing up without my permission, trespassing on the property, taking pictures, driving by and taking pictures. Later on in XXXX of this year XXXX, They filed a complaint without first notifying me about it. They never served a notice on the complaint. It was a cross-claim. I have filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, my Bankruptcy was officially discharged. I received a letter in the mail on XXXX XXXX, XXXX, saying that they scheduled a hearing for XXXX on XXXX XXXX, XXXX. They have no grounds to sue me and I want them ordered to cancel this hearing. I sent them emails to let them know this I have n't heard from them, and would only like a response if they will cancel this hearing, as I did n't do anything wrong. They are seeking a summary judgement from to recover the balance, because the house was underwater.
I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?
I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.
XXXX XXXX XXXX has informed me that they are excited to let you know that we have received the Initial Approval on your loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
XXXX XXXX shows credit scores as follows TRANSUNION reports a score of XXXX as of XXXX/XXXX/XXXX ( very disappointing ). XXXX XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

TRANSUNION 'S KEY FACTORS Serious delinquency Time since delinquency is too recent or unknown Proportion of revolving balances to revolving credit limits is too high Number of accounts with delinquency The number of inquiries has adversely affected the credit score. 

Letters submitted on or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX, and XXXX have been filed disputing these very same key factors. A review of TRANSUNION credit report # XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX revealed that the information reported by TRANSUNION does not support these absurd key factors nor does this information support the appalling credit score. This is the worst credit score I have ever received.
XXXX is reporting my accounts as charged off and late even though the information is over XXXX years old. I requested that accounts be taken off my report, but to no avail. Additionally, I filed bankruptcy XXXX in 2010 and the accounts were discharged.
I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.
I submitted a claim with USAA Debit Card Fraud Recovery Department and they investigated the claim and refunded me my monies fro months that beginning in XX/XX/XXXX through XX/XX/XXXX. I had informed them the fraud was from XX/XX/XXXX through XX/XX/XXXX. I was not informed until later that they could not report charges past 180 day or see my bank stamens past 180 day and was asked to submit my bank statements with other fraud charges. On XX/XX/XXXX after requesting for a letter confirming that I had fraud during XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for one of my creditor. Did I receive a letter of apology of there miscommunication? And a request fir a affidavit to confirm charges on fraud that are the same fraud charges that their investigator already confirmed as fraud. Then on XX/XX/XXXX my mother received a harassing call from XXXX a CEO staff Officer from Ex XXXX, ( XXXX ) XXXX. He not only be little my mother by tell her to be quite, he started counting 123 to make her stop talking like she was a child. He told my mother that I was over my statue of limitation and that they would no longer handle my case and would not talk to her. I gave USAA autheration to speak to my mother little do they know my mother is my POA in all my banking, financial and insurance needs ( Legally. ) Then XXXX said he would call and speak to me my mother told him I was n't available. He hung up in my mothers face and went on to call me. Left me a message and had the nerve to call my mother back. The letter that XXXX XXXX clearly sates that they are working on the file and will get back with me at this time, I am requesting a letter from USAA stating that fraudulent activity occurred on my account from XX/XX/XXXX through XX/XX/XXXX by the merchants ( XXXX ). The Debit Card Fraud Recovery Department has investigated these merchants up to XX/XX/XXXX. The actual fraud began in XX/XX/XXXX and continued until noticed in XX/XX/XXXX. During that time I was under a hardship dealing with six family and friends XXXX XXXX and trying to coupe and manage being off at college and barely being able to come home and visit. Neither my mother nor I was able to actually manage and view my account during that time period. The hardest XXXX was my cousin who XXXX of XXXX XX/XX/XXXX and my Uncle who XXXX on XXXX XXXX XXXX. At this time Im respectfully asking for a formal letter to help me with my creditors. Today XX/XX/XXXX my mother received a call and was told I miss managed my account and thats why I 'm not going to have my insurance reinstated or my banking relooked at yet I mother put my insurance money in my account even month to make good on my account and the fraud happen every month.
I am XXXX years old. I have been using banks all my life. I had trouble paying my bills sinceA divorce and XXXX. 
I could not get credit until recently. All my debts have been paid through payroll deductions. 
I have bought a home and I do have some credit. 
It seems that both Equifax and XXXX do not have this on record. 
They say that I have a credit history of 6mo. And 3yrs. 
I have been paying both NEw York Dept ofSocial services for 20 years and have payed them much more then theReq {$210.00} per moI also paid IRS the full amount after they realized I was on XXXX. 
I have paid all debts and I think I should not have a 1-2 year history and a remarkThat I do n't pay on time.
The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX on XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.
I went through a financial hardship and tried to make a payment plan. Sallie Mae would not work with me. I would answer their calls and try to do partial payments until I was caught up. I was told I would have to make a full payment. I fell behind on payments as I tried to make the monthly payments and was told that I wouldn't be able to refinance and that I would have to pay for the full amount owed or they would send my loan in collections. I basically had to try to pay it back down or owe the full amount of the loan. I told them it was utterly impossible and they did not work with me. Deferment was not discussed with me. 

Also, they called my employer multiple times asking for me, three times after I told them to not use my work phone number as it could get me fired and then I couldn't pay them. Most of the representatives were rude and demeaning, even to the point of getting loud with me. 

The employees went as far to call my father ( who is not even on the loan ) and discussed personal information on the loan- which is illegal to discuss details on a loan to someone who is not a borrower. The employee even told my father that he was responsible to the payment on the loan and had to pay to make it current. My father knew he was not on the loan so he told them to discuss it with me and then he called to tell me what was said. They continued to harass him so I had to remove the number as one if my contact numbers.
RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.
I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account.
I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. <P/><P/>Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. <P/>If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. <P/>Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.
Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  XXXX   XXXX
I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.
LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
We opened a Savings Account at Astoria Bank, XXXX NY on XXXX XXXX, to the amount of {$250.00} on my husband 's account and my account we were informed that if we would add an additional {$2500.00} for 90 days we would be eligible for a bonus of {$250.00}. After the 90 days we did not receive the promised bonus, we went down to the bank and they promised that within a week we should receive our bonus, since then they have been giving us the run-around, and we have not received anything.
I never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove from my credit report.
This Attorney and  XXXX   XXXX  have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has gone unanswered. I am exercising my rights under th e " Fair Debt Collections Practices Act '' a s  codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided .  <P/> This law firm and  XXXX   XXXX   XXXX  are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/> I have requested the following  : 1. Copy of  the original alleged note accompanied by an AFFIDAVIT from the alleged Lend er 2. Ide ntify to what the alleged debt pertains.    3.  Provide details how the alleged debt was calculated.   4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act  ) 5. P rovide copies of any papers that show that I agreed to pay the alleged debt.   6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and  Servicing Agreement t o the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody bu t the Depositor ( Settler ) can transf er property to the trust.    7.  Provide the agreement between the creditor and your firm which authorizes you to collect funds  (  without a contract, your firm has no right to foreclose ).    8.  Provide evidence that you are licensed to collect in my state.    9. Provide your license numbers and the Alleged Lender 's Registered Agent.
I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX. Just because you fixed it does not mean it did not happen. I demand Monterey compensation because I suffer from XXXX after being XXXX and had trauma after reading I was dead from your company incorrectly providing false information. This has harmed me mentally and physically along with financially! I will sue for {$1.00} XXXX dollars but Im willing to accept {$100000.00} thru the cfpb. Consider this mediation before I file a federal lawsuit for {$400.00} in the XXXX district of Missouri. Missouri law states I may claim money damages if anyone harms my report and you admitted to doing so. I dont accept your correction as the only form of resolution and if you dont pay me {$100000.00} a federal judge will look at these complaints after I file a motion of summary judgement and request {$1.00} XXXX.
In XX/XX/XXXX I certified mailed a dispute letter to Capital One Bank to dispute accounts that were showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my accounts as disputed on my reports and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want them removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.