WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX
                                                                                       XXXX, XXXX


XXXX XXXX, General Counsel
General Law & Ethics
XXXX XXXX, Deputy General Counsel
Litigation & Oversight
XXXX XXXX, Deputy General Counsel

Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX. XXXX

Dear Friends : 

I hope you decided to join me and provide guidance in pursuing justice with respect to my local government XXXX County and XXXX XXXX XXXX. After losing my home in XX/XX/XXXX I am exhausted. 

Please allow me to share with the most recent evidence of poor governance and tax collector fraud by XXXX   County. Attached is a copy of the XXXX County Georgia Property Tax Assessment for a property that I owned from XX/XX/XXXX to XX/XX/XXXX. 


First, please note that home is appraised for XXXX   on the most recent XXXX  County Tax Bill forXX/XX/XXXX


First, the home continues to be appraised at XXXX
Second, the true market value was realized or evidenced at the sale of the closing statement for XXXX.

Historically, my XXXX  County Tax appeals were met with valuation increases the following year.

XXXX County doesn’t have a reliable tax assessment model. The Governor Of Georgia as advocated this as well and requested a freeze in tax billings.

The Congressional Tax plan will place many of the local tax authorities in crisis due to the limit on local property tax deduction to XXXX. When taxpayers realize this financial change, the local governments will enter a crisis due to heavy dependency on “Non Market” Property Tax Valuation. The Federal government has been subsidizing local tax authority property tax abuse by shielding the financial impact with a deduction. This has also supported unfavorable local government management. For example, XXXX County Tax revenues and budget expenses increased during the Great Recession of XX/XX/XXXX to XX/XX/XXXX. We market property valuations declined 30%.

Please join me in litigation against XXXX XXXX XXXX and XXXX County Tax Assessor for Property Tax Fraud Home Affordable Modification Program. I would like to recover over XXXX  in excessive property tax non-market assessments payments and damages from XX/XX/XXXX to XX/XX/XXXX. I understand that class action litigation may be more applicable.




Sincerely,


XXXX XXXX XXXX
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
In XX/XX/2018 I sent {$800.00} through XXXX to an owner of a beach house for XXXX XXXX weekend. XXXX was affiliated with my bank that Ive been with for over a decade, Bank of America. I honestly never even thought twice about it because I trusted my bank. Ive always had a great relationship with them, and always felt safe. Today- XX/XX/18, I drove hours away with my XXXX small daughters, showed up in XXXX XXXX, SC to a real house, which was occupied, and after speaking to the current guests realized I had been scammed. I even called the real owners of the property and they said this guy had done this before, stolen pictures and rented their house. He covered a his bases as a true scam artist. I sat on the beach for HOURS on the phone with Bank of America and they said there was absolutely nothing they could do. It was extremely devastating and difficult to see my XXXX girls so upset that we had no place to stay. The {$800.00} hurt us to lose. Every penny is accounted for as I am in XXXX XXXX, living on loans, and not working as school doesnt allow it. Bank of American definitely disappointed me. If youre going to affiliate with XXXX, please be willing to help out customers who have been loyal and not abused the system! We are struggling with the loss of trust, our last vacation of the year, and feelings of hurt. All we want is a refund. I have the emails, the link to the listing, and even a receipt this guy gave me. Im not making this up! We are so devastated. We just want a tiny piece of mind back after being essentially screwed over. Please help us. Thank you.
I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.
My complaint is regarding my mortgage loan, and my unsuccessful attempts to achieve a loan modification or a short negotiated pay-off. 
Since the origination of my mortgage with XXXX, there have been several transfers, both in the owner/certificate holders, as well as the servicers. A securitization audit was completed, to find the current owner of the mortgage. After the dissection of the securitization audit, it was discovered that XXXX did not follow the proper chain of title. 
The loan originated on XX/XX/XXXX. The XXXX for assets to be transferred to XXXX XX/XX/XXXX XXXX, was XX/XX/XXXX. According to courthouse documents, the transfer took place on XX/XX/XXXX, in XXXX, New York. The assignment misses the cut-off date by XXXX years. 
In addition, I was never notified by XXXX, that my mortgage is now owned by their certificate holders. It is my understanding, that by law/regulations which have been established by the government, I should have been notified by the new owner, within the first 30 days. It is by these same practices that XXXX and other banks were fined billions of dollars for the improper transfer of mortgages, and not following the proper chain of title. 
Below you will find an excerpt from a website which lists the guidelines required by the government. 
Transfer of Loan Ownership The ownership and servicing rights of your loan may be handled by XXXX company or XXXX. If ownership of your loan is transferred, the new owner must give you a notice that includes : the name, address and telephone number of the new owner of the loan the date the new owner takes possession of the loan the person who is authorized to receive legal notices and can resolve issues about loan payments where the transfer of ownership is recorded. 
The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan. www.consumer.ftc.gov/ ... XXXX Furthermore, upon one of my many inquiries to XXXX XXXX in my attempt to find the current lien holder, I was sent a document with a notice date of XX/XX/XXXX. The notice explained that effective XX/XX/XXXX, XXXX, would be the servicer of my mortgage. This is very strange, since I have never received correspondence from XXXX. This is yet another discrepancy which has taken place, which shows the lack of proper business etiquette and compliance/adherence to the established laws. 
At my request, from XX/XX/XXXX-XX/XX/XXXX, XXXX separate XXXX did extensive research with their XXXX. They could find no record of my mortgage which was associated with XXXX or in their data base.
I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. 

I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.
In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.
The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.
In the process of buying a home TransUnion issued a credit report. I questioned the credit score and comments by calling TransUnion in early XXXX XXXX and was given very poor support in response to my questions. I then requested a copy of the report. The reported dated XXXX/XXXX/XXXX arrived at my home address on XXXX XXXX, XXXX. This report contains inaccurate information with respect to my employment and contact details, with the inclusion of contact details for my wife and son, but also numerous other inaccurate or redundant details. This report also shows details of an XXXX XXXX account which is not mine. More erroneously prior credit card and home loans which are clearly shown as CLOSED are shown to have current balances and credit availability. The home loan accounts are inactive and were all paid in full, moreover, there was never any amounts on the credit cards with XXXX and XXXX that were not paid off in full by the monthly due date. In all these cases the 'Amount Paid ' is shown as zero each month. These errors led to a comment on the credit report to the effect that there were 'large amounts of revolving credit ', which is misleading and blatantly incorrect. I have tried the 'disputeonline ' link and despite gaining access to my TransUnion account it will not accept my dispute. I called their XXXX number and was told they were not available. TransUnion is largely inaccessible, inefficient and should not be allowed conduct such a critical business in this manner. CFPB should take urgent action to investigate the business practices of TransUnion and consider their ongoing ability to operate such an important function handling sensitive information.
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to th

e Federal Law and State Law. Therefore I request that all hard inquiries be removed.
I have federal student loans serviced by Utah Higher Education XXXX ( XXXX ). XXXX recently transitioned to paperless billing, and claimed to provide access to billing statements online. This is false. When logged in to my account, I can see the date of my most recent bill and am given the option to " view/print bill, '' but doing so opens a PDF with an error message. There is also a " paperless inbox, '' which claims " You Do Not Have Any Billing Statements to View. '' I called XXXX, and the customer service representative seemed to be aware of the issue with the error message PDF, but said only that the IT department was located elsewhere and she could not provide me an estimate of when it would be fixed. She also could neither provide a copy of the billing statement via email, or upload it to the " paperless inbox '' section of my account. Instead, she said my only option was to wait to receive a paper copy, which she had to " generate, '' that would be sent in 2-5 business days. I believe XXXX is intentionally making it difficult for borrowers to obtain their billing statements, by transitioning to paperless billing but then failing to make billing statements actually available online.
I closed my XXXX XXXXXXXX account in XX/XX/XXXX, I was paid up till shut off on XX/XX/XXXX. I received boxes from XXXX XXXX in mail on XX/XX/XXXX and sent all equipment back to them in pre labeled boxes on XX/XX/XXXX at XXXX. Tracking number XXXX and XXXX. I have called and sent copies of original receipt to them and they still messed with my credit score. Then I got another bill for the month of XXXX for t.v. and internet because they said I never turned in boxes. Plus late fees. Over 200 bucks for bill and XXXX bucks for equipment. Then debt collection practices of hitting credit score, credit control corporation hit score on XX/XX/XXXX, but sent letter on XX/XX/XXXX to me, informing me of debts. I sent proof, but credit score impact hurts.
I WAS BANKING WITH XXXX XXXX XXXX XXXX, XXXX, ON THE SAME BLOCK I LIVE ON. BUT SERVICE WAS SLOPPY AND AT OTHER BRANCHES THE CASH COUNTING MACHINE WAS UNPLUGGED AND IN BACK AT THE XXXX BRANCH. 

I RECEIVED A {$300.00} OFFER TO BRING MY CHECKING AND SAVINGS ACCOUNTS TO CHASE, IN XXXX, CA. 
I WENT TO THE BANK AND A YOUNG TALL XXXX MAN SIGNED ME UP. HE FORGOT TO TRANSFER MY ACCOUNTS FROM XXXX XXXX XXXX XXXX, SO I HAD TO ASK THE CHASE BANK OFFICERS FOR DAYS AFTER. 

AFTER MONTHS, I ASKED IF THE {$300.00} WAS EVER CREDITED TO MY ACCOUNT. I WAS TOLD ONLY {$200.00} WAS CREDITED. 
THIS FRAUD IS UNACCEPTABLE.
On or about XX/XX/XXXX, I began receiving collection notices from ACS-Conduent, for a debt owed to XXXX XXXX. At first, I ignored the notice because I believed I did not owe the money. 

On XX/XX/XXXX, I called ACS-Conduent and asked that they please stop sending me notices because I do not owe any money. I called 2 more times that day. 
I was told a couple of this with my communication with them. 

1. I was told to contact XXXX XXXX and ask to provide a copy of the Promissory Note 2. I was told that they received the debt in XXXX of XXXX by a XXXX XXXX from XXXX XXXX. I was also advised by a representative named XXXX to contact the U.S. Dept. of Education for information regarding my debt. 
3. On XX/XX/XXXX, I contacted the Department of Education and was informed of a balance listed for a Perkins Loan for Loan Period XX/XX/XXXX to XX/XX/XXXX. The balance listed is {$230.00}. 
4. I was informed by the Dept. of Education that the loan/debt had NO Executor listed. 
5. I also began calling XXXX XXXX beginning XX/XX/XXXX. At first they could not find that I owed any money but eventually found the Perkins Loan on the Federal Student Aid website. They did see that they are listed as the owners of the loan. I have also been trying to resolve this issue with XXXX XXXX which is currently XXXX XXXX - XXXX. My contact there is the Finacial Aid administrator XXXX XXXX. 

The problem I'm having is, although the balance of the loan is being investigated by XXXX XXXX at XXXX XXXX XXXX, ACS-Conduent has taken it upon themselves to come after me for a debt found on a government student loan website, which is public information, without having the legal authority to do so. They claim that XXXX XXXX is their point of contact for XXXX XXXX when they received the debt in XX/XX/XXXX. The problem is, XXXX XXXX, according to the financial aid admin XXXX at XXXX has not been with RETS in over 3 years prior to my calls in XXXX. 

My suspicion is that ACS-Conduent is helping themselves to " found money '' as public information found on the student loan government website without then actually representing XXXX XXXX as confirmed by XXXX and XXXX at XXXX XXXX XXXX. They use a different collection agency to handle their collections. 

If XXXX XXXX does not have a business relationship with ACS-Conduent, how is it possible that they ( ACS-Conduent ) can collect as their ( XXXX XXXX ) representatives?
I have filed a complaint, ID FOR COMPLAINT SENT TO EQUIFAX # XXXX, pertaining to the Equifax debacle that cost 148 million people their personal information security. However, that complaint is not enough ; due to the fact that Equifax effectively sold ( for free ) my lifes most critical personal information to individuals and companies all over the world, and for a limitless time, I demand substantial compensation as a result of Equifax costing me a lifetime of insecurity and nameless misuse of my personal information. My life may not be worth anything to Equifax, but it is worth plenty to me! The ramifications, implications, and damages that the compromise of my personal information has cost me should cost Equifax as well. It has been quoted by news sources ( XXXX ) that key Equifax employees liquidated their stock in Equifax two days before the hack on Equifax. They profited from not updating the software that would have prevented this from happening. This is a criminal attack, identity XXXX, and the giving away for free my lifes history and most personal information. Unacceptable and Equifax is culpable for it.
Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account.
I have repeatedly asked my mortgage company XXXX, to report my mortgage balance to the credit bureaus to no avail ( loan number XXXX ). The last time I complained to them they said that because I filed a chapter XXXX bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), they can not report the balance due even though they report the mortgage payment each month. This they claim is because the original mortgage with XXXX was included in in the bankruptcy filing and even though it was switched to XXXX in XX/XX/XXXX, they therefore can not include the balance. 
Please see attached mortgage loan modification dated XXXX/XXXX/XXXX, where the originally refinanced loan from XXXX/XXXX/XXXX with XXXX, then sold or transferred to XXXX, is now transferred to XXXX as a modified mortgage. ( This was the result of a lawsuit filed by me in federal court ). Nowhere is it mentioned that there will be any unusual credit report notifications made. There have been no late mortgage payments.
On XX/XX/XXXX, I sent a letter to XXXX Experian and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Tuition service provider has incorrectly assessed my account as delinquent and reported such to credit bureau.
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST
This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***