WillisBack/dataset-financial-user-claim huggingface dataset:
I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional
I have made timely payments on my Fed Student loan for over 14 years to XXXX XXXX. XXXX XXXX XXXX XXXX. The beginning balance was approximately {$100000.00}. I have paid over {$120000.00} and the balance on the loan is approximately {$95000.00}. When I complained and requested an amortization schedule for a 15 year loan that has the same principal balance as it did 14 years ago, the Servicer informed me that no amortization schedule was available. Then a couple days later, the lender split my loan and transferred it to 2 new servicers, each with the balance apparently. There was no warning, approval, etc. I think this was done in retaliation for my filing a complaint and request for payment history. I have no idea if this loan or lending institution is legitimate. I have no faith that the records are accurate. 

Equally troubling is that my personal information has now been transferred to 2 additional entities ( including my birth date, personal address, social security number, banking accounts, email etc. ). I understood that the lender may select a servicing entity at the time of consolidation but it can not retaliatorily " split and transfer '' balances. This is a student loan, not a revolving credit card ( and hopefully not a pyramid scheme ). A 20 % return on investment should be adequate for student lending.
On XX/XX/2018 I sent a letter to Experian explaining that the accounts they are reporting on my credit report are not verified accounts and they are reporting incorrect information. Since they are reporting the unverified accounts on my credit report I requested that they send me a copy of the original contract that created the accounts. Experian has failed to provide these documentations. The letters provide all the unverified accounts that they are reporting on my credit report which they did not verify with the original creditor or provide copies of the original contract from the creditior. All of my letters were sent certified mail with USPS. On XX/XX/2018 I sent them another letter in the mail to request a copy of the original contract that created these unverified accounts that they are reporting on my credit report. They again failed to provide me a copy of the original contract. On XX/XX/2018 I send them a third letter requesting the copy of the original contract. They failed a third time to provide me a copy of the original contract. On XX/XX/2018 I sent them one last letter asking them to remove these unverified accounts off my credit report or provide me a copy of the original contract that created these accounts. If they can not provide me a copy of the original contract they are not reporting the information correctly on my credit report. Therefore they must remove all unverified accounts from my credit report.
I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all   XXXX   of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. 
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.
XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I have sent a copy of my old bank statement showing that i have paid this debit. And a picture ID to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX that was incharge of this debit. And to equifax where this item is still on my credit report. The date when it was issued is incorrect. This debit was issued to me on XXXX/XXXX/2016 realizing i do n't want it. It was sent back through on XXXX/XXXX/2016. After sending proof about this account what more can i do the have it corrected. Even the date i suppose to have received this loan the date is incorrect it does not corrosponse with the date applied.
This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!
Hello, I see on the XX/XX/XXXX at XXXX the ETHEREUM was valued at XXXX USD. 
I attempted to login and sell, as indicated in the email above with the exact timestamp as evidence. You can see I informed you of my intention of selling immediately all my ethereums. 
Therefore, I complied with Terms and Conditions, in particular : " 3.2. Digital Currency Transactions. Coinbase processes supported Digital Currency according to the instructions received from its users '' In panic, seeing that I could not access my Coinbase account for hours ( same as the night before ) and seeing the value dropping significantly, I sold as soon as I managed to login which was many hours after on XX/XX/XXXX XXXX XXXX  ( reference XXXX ). The rate was much lower, I had very limited choice. 

I am very unsatisfied with the situation, this is my first experience with Coinbase, and it was very unsettling and worrying. You are supposed to be in Finance and offer decent access so the customers can access their account 24/7. What occurred was very stressful and unsettling, I even worried it was like " XXXX XXXX '' and that I would lose all my invested assets. 

Now, I am willing to continue my adventures with Coinbase, but I am very unsatisfied with the loss I have suffered due to your technical issues. 

I inform you that I am currently looking with my legal assistance, and with the report to the US Consumer Financial Protection Bureau. 

After that, I have created several support tickets in your system, each times they were answered by generic copy/paste answer not actually related to the issue, and often the tickets were closed despite me stating clearly the issue was not resolved.
Credit Bureau is in violation of FCRA and has not verified the original signed contract with my signature on it.
Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with XXXX  and Equifax? Please validate your investigation or otherwise delete the account immediately.
XXXX My electrician deposited my personal check ( # XXXX ) amount of {$4000.00}. The check had a stop payment on it as requested by me as we choose to do the wire transfer instead. The money was taken out from my bank account ( XXXX XXXX XXXX XXXX ). There was a problem with the stop payment. I requested XXXX and they acted immediately to stop the payment. Wells fargo, the beneficiary 's bank reversed the transaction and my electrician ( the beneficiary ) never received the money via this personal check ( # XXXX ). I called XXXX and they said since the transaction went through successfully, so there is nothing they can do to revert. The temporarily gave me provisional credit but reverted back the credit on XXXX. So, in nutshell {$4000.00} was effectively deducted from my account. XXXX My electrician confirmed he never received money from me for that check. I went to my electrician 's office and we called Wells Fargo together and Wells Fargo customer service rep confirmed not giving the money to my electrician. As per Wells Fargo, the money was reversed and it never reached my electrician 's account. Now - Both these banks ( XXXX and Wells Fargo ) do  n't want to help me. My electrician never received the money in his Wells Fargo 's account but the money was taken out from my XXXX account. So both me and my electrician do n't have the money with us. The money just somehow disappeared. I am requesting Wells Fargo to trace the check for me and help me nail down where the money. Thanks
I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

Equifax - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
On XX/XX/18 I contacted XXXX XXXX XXXX at XXXX to settle an account with them. Agreed settlement was for {$280.00}. I gave them my debit card number and authorized them to debit my account the same day. I also asked that they provide me with a letter showing that the account has been paid in full. Needless, to say after having over 10 conversations with various agents at Portfolio Recovery Associates, my issues has yet to be resolved and they have obtained the authorized payment from my checking account. I was lied to several times by several different managers ( however I am not sure they were really managers ) Portfolio Recovery would state that they didn't know the person I was asking to speak with? They also sent me a letter stating that I still owed them a payment after agreeing to a settlement on the account. The could not tell me a reason why the letter was incorrect. The last person I spoke with by the name of XXXX XXXX who claimed to be a manager stated on XX/XX/18 that he would email me the letter I was requesting to show that my account had been paid and settled in full. I spent numerous hours on the phone trying to obtain a LETTER from them to show my account had been paid and this is has cost me not being able close on my mortgage in time. I am absolutely FURIOUS that this company is allowed to behave in such a manner and exhausted to say the least that this has taken up so much of my time when I was only trying to pay them and settle this account!
A student loan that I had with XXXX back in XX/XX/XXXX went into default, but I went through loan rehabilitation and it was completed in XX/XX/XXXX. This particular loan has been closed since XX/XX/XXXX, but they have updated the account to show me having a late payment in XX/XX/XXXX. That is not even possible. I do not have an open account with them. Again, this account has been closed since XX/XX/XXXX!!! I tried to dispute this with XXXX, but they said the account has been updated and it still shows that late payment. I have not paid one single bill late since then so this is damaging my credit report and needs to be addressed immediately.
Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.
On XX/XX/2018 i tried submitting dispute with Equifax relating an issue they reporting on credit report they could not identify me because they base your identity on fraudelent information if these accounts are fraud how are they suppose to identify me if it was not done by me this is the reason Im disputing them. however XXXX XXXX investigated and erased this from my credit report why is Equifax still showing this as owed if is not mine im very fustrated and will be taking legal action against Equifax.
The VA has overpaid me entitlements twice in XX/XX/XXXX for {$160.00} and {$320.00}, the debt was official {$0.00} as of XX/XX/XXXX, they took payments of the overpayment out of my XXXX but yet it is showing up as a collection that was paid. The first time and only time it was reported to the credit bureau was XX/XX/XXXX. I am in the middle of purchasing a home so I was told by the VA that I need to get with the credit bureau for removal the credit bureau is telling me they can't remove without the VA consent. VA says they don't issue delete letters only letters stating the payment for the debt was received. Also, the VA says they don't do third-party calls but refuse to give the credit bureaus any form of assistance. This has been really taking a toll on our family as its holding up our closing
I have been notified that I am involved in the Equifax dispute. I wish to freeze my accounts at all three bureaus. Equifax and XXXX offer online locks, both websites were unable to process my online request. My attempt was made on XXXX2017. I also tried to call XXXX and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX 's online service. This worries me, because they say to unlock the freeze online, but their online services are never working.
So, I apply for a credit card and get denied by Capital One Bank N.A, so then I called them after 37 days because my credit went up and said tried to apply for it again and I got it! But, after a couple of days my credit went down significantly because I see some credit inquiries that I did not authorize. I tried to talk to representative but, they would really speak to me about this and said we are not responsible and would keep asking is there anything else you need help with and just then they would usually cut the phone on me. Now I dont know if they shared my personal information, or anything, but I would like for an Investigation to occur.
On XX/XX/XXXX I setup a transfer of {$50.00} to my niece in Illinois for her birthday. For some reason, she was having issues picking up the money and let me know. I called MoneyGram for an answer. I was told the the transaction was cancelled by MoneyGram ; however, no reason was given. I've sent her money before with no issues, but for some reason that transaction was flagged, but the representative couldn't explain why. I asked for a supervisor and was told the same thing. I now have to wait 3 to 10 business days for them to send my money back to my bank account. I wanted an explanation why they took my money, cancelled the transaction and now I have to wait so long to get my money back. Neither rep could explain except to repeat that MoneyGram is an international money transfer company that reviews transactions and flags them for cancellation. I still do not know why it was cancelled as I've sent her money before, we have the same last name and it was only {$50.00}. And I really don't understand why I have to wait 3 to 10 business days for my money when it didn't take that long for them to take my money for the transfer. I am highly disappointed, frustrated and upset and will never use this company again.
Between XXXX and XXXX this morning ( XXXX XXXX, 2017 ), this collector called me 15 times in a row. Many times, calls were overlapping other calls, filling up all of my auxiliary lines.
The company is reporting incorrect information on my credit report, I sent in my drivers license ID and social and ID fraud report however the two items remain on my Experian report which do not belong to me.