WillisBack/dataset-financial-user-claim huggingface dataset:
To ; XXXX XXXX President, Parks Title Co. XXXX XXXX XXXX XXXX XXXX Attn : Claim Dept XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : COMPLAINT ( PLEASE FORWARD PROOF OF THE SALE TO CFPB ) I file a complaint with your company CFPB # XXXX and it were handled by XXXX XXXX she provided new details from the years XX/XX/XXXX-XX/XX/XXXX then I were told that you were not involved with the transaction at XXXX XXXX XXXX then she indicated you did so conduct the transaction on XXXX XXXX and his daughter XXXX XXXX fronting as his wife on covenant deed. You recently contacted me to file an complaint and informed me to file a complaint with your insurance company listed above and provided claim # MI XXXX, PARKS FILE # XXXX I mailed it out. You recently told me on the phone that no correct XXXX XXXX claim that you conducted the sale but that you done the title work, THATS IT. <P/>I informed you that XXXX XXXX add more fraud in XXXX with Step Forward Michigan a Government Agency and are under investigation complaint XXXX and that the case with XXXX XXXX were published XX/XX/XXXX on reference to a trust account from the risk management dept with the OCC # XXXX and provided you additional documetation, the bottom line XXXX XXXX scammed me out of the house you mail me a letter dated XX/XX/XXXX in the letter you state it was determined that nothing was done wrong in the foreclosure of his mortgage but, with XXXX XXXX there are no legal transaction on record. Please work with the CFPB let it be if XXXX XXXX to XXXX XXXX XXXX got a mortgage or any transaction that taken place that nothing was done wrong.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
My car loan company has closed my acct and shown it as bad debt. I still have the car and am making payments, at this time I am current. This has caused me great grief as I can not buy a home due to poor credit marks by them. In addition they have charged me XXXX in fees. the original loan was for XXXX to date I have paid XXXX and still owe XXXX. Something does n't seem right. I never signed a contract with these people. Originally I signed with a much better company
Company has my name wrong and Ive never lived at address shown, also account shows closed but still showing on credit report
In XX/XX/XXXX I purchased a computer from Best Buy on a promotional balance of 12 months no interest for {$1300.00}. on XX/XX/XXXX I made a regular purchase of {$100.00}. On XX/XX/XXXX I made a regular purchase of XXXX and I made a return on XX/XX/XXXX for ( {$81.00} ). I made a regular purchase for {$120.00} on XX/XX/XXXX and on XX/XX/XXXX I made a regular purchase of {$37.00}. Beginning in XX/XX/XXXX I was making payments well above my minimum to pay off my promotional balance before it expired in XX/XX/XXXX. To be exact {$100.00} payments were made from XX/XX/XXXX-XX/XX/XXXX and in XX/XX/XXXX I paid {$25.00}. In XX/XX/XXXX {$510.00} in payments were made. In short, I paid {$1300.00} in payments from XX/XX/XXXX-XX/XX/XXXX and on my current statement they 've charged me {$260.00} in interest for my promotional balance and they are telling me that I still have a promotional balance of {$190.00}. They chose to appy the bulk of my payments to the regular purchases of {$290.00} instead of applying my payments to my promotional balance so it would be paid off before the expiration. When I called today to speak with customer service the agent told me that she would use the payments that I 've made in excess of the minimum payment and apply them towards the promotional balance and remove the interest charge. I asked for a supervisor and the supervisor told me that she would n't do that and I had to pay the {$190.00} promotional balance before XX/XX/XXXX or they would not remove the interest charges. I will NEVER use this card again! This is highway robbery! I am beyond frustated and angry.
A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. XXXX and XXXX promptly removed this account from my file when it was brought to their attention but Experian has been negligent and careless, refusing to investigate this issue. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unhelpful in my attempts to figure out why this is appearing on my credit report.
Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.
XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people. 

XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX. 
XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls. 
XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX
I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account., I followed the procedure and the XXXX account was " Verified ''. After, 7 business days of waiting for my funds to be transferred into the XXXX Account, the " Verified '' funding source for my XXXX Card, I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX, and the funds have still not been transferred. I 'm sure that AMEX delays these types of transfers to collect as much interest on these types of accounts as possible. This has been a horrible inconvenience and it should be stopped.
American Express XXXX XXXX XXXX account closed, and XXXX Membership Rewards Points not transferred ( deleted )
my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX
TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold.
On  XXXX / XXXX /  XXXX   I looked up the balance to m y American Express Gift Card,  and the record showed that it had been used fraudulently. I received this card months ago as a holiday gift, and it had not left my wallet.     The charge that I disputed was made at a   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , CA with a transaction date of  XXXX / XXXX /  XXXX   and a post date of  XXXX / XXXX /  XXXX  . The disputed amount was {$21.00}.     I contacte d American Express customer services, gift card division, and they said that my o nly recourse was to contact the merchant directly. The merchant could do nothing to help me.
I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.
On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing.
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX XXXX & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service
I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.
In XXXX XXXX my husband disputed an account with Equifax because they were reporting an account included in a BK with current activity showing up. After weeks of phones calls to the creditor ( XXXX XXXX ) we were able to get them to notify the credit reporting agencies that the account was not included in our BK. XXXX XXXX sent a letter out to all credit reporting agencies to inform them of this. All of a sudden the XXXX account is showing up on my credit report along with my husbands stating that a charge off occurred on XXXX in the amount of {$800.00}. It also states that a charge off in the amount of {$1600.00} also was done. This is also incorrect. XXXX XXXX then sent my husband and myself a letter proving that the {$800.00} was actually charged off on XXXX/XXXX/XXXX not XXXX. Equifax is re-aging the account which is illegal. I am now getting notifications that a new BK is showing up on my credit report which is also incorrect. Our BK was discharged back in XXXX XXXX. The {$800.00} that was charged off is over 7 years of age. Because XXXX XXXX had the account listed incorrectly we were never made aware that this even existed. Our lender is the one that told us about it and stated that this account was showing current activity and listed as a BK and needed to be corrected in order for us to purchase our home. This should not even be on my credit report. XXXX deleted the account completely. My husband added this information to his dispute with Equifax and they just rejected it stating it was a duplicate when in fact IT IS NOT. It included the new information from XXXX XXXX showing that the account needs to be corrected. I have tried and tried to file my own dispute with Equifax online and continue to get timed out or they can not locate my file etc. I am fed up and want this incorrect information fixed.
In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement
I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX
I this company a letter dated : XX/XX/XXXX disputing the lien reported in my credit report INCORRECTLY. Please see attached credit report I downloaded last XX/XX/XXXX. The lien was reported with ref # XXXX which is the reference number which I disputed on my letter lastXX/XX/XXXX. EQUIFAX responded last XX/XX/XXXXsaying that they confirmed with XXXX XXXX ( third party vendor ) the DISPUTED LIEN REFERENCE NUMBER IS NOT REPORTING and they reported a NEW AND DIFFERENT LIEN REFERENCE NUMBER : XXXX, same filing date, same county court, same amount. I have verified with the court that this information has already been withdrawn during the last week of XXXX and yet EQUIFAX CLAIMS that this item is correct and verified. Equifax has several violations. Reporting INACCURATE PIECES ON INFORMATION, CLAIMING THAT AN INVESTIGATION WAS DONE WHEN OBVIOUSLY NOTHING HAPPENED, NOTHING WAS DONE, REPORTING THE SAME INACCURATE LIEN WITH A DIFFERENT REFERENCE NUMBER THEN STATING THAT THE FIRST REPORTED REFERENCE NUMBER IS NOT REPORTING. ATTACHED WITH THIS COMPLAINT ARE THE FOLLOWING : 1. EQUIFAX CREDIT REPORT DATED : XX/XX/XXXX ; 2. COPY OF EQUIFAX RESPONSE DATE : XX/XX/XXXX ; COPY OF THE LETTER I SENT THEM LAST XX/XX/XXXX.
SunTrust bought my mortgage. I tried to set up recurring payments online. I accidentally went on the 'one time payment ' page and when I realized it I tried to cancel and go to the 'recurring payment ' page. It asked if I wanted to cancel and I clicked 'yes '. Then I set up a recurring payment. It was then that I realized SunTrust had taken two payments. My wife and I have spent several hours this week trying to get the second payment back by jumping through all of the hoops SunTrust required to prove the transaction happened-DESPITE THE FACT SUNTRUST SENT US NOTIFICATIONS THAT IT HAD RECIEVED BOTH PAYMENTS!!!! I even went to a branch of the bank from which the funds were transferred ( XXXX XXXX ) and got a printed statement and a signed letter from a bank manager stating that the funds has been dispersed. Today I called SunTrust and they told to me to fax them the documents. After redacting everything on the XXXX XXXX statement - except my name, account number, and the transaction amounts to SunTrust - I faxed it to them. A representative just called back and said they wouldn't refund my overpayment unless the document showed my checking account balance after each of the transactions to make sure it wasn't a negative balance. I asked why, if they had received both payments, they would care if it was a negative balance ( XXXX, it was not a negative balance ). She couldn't answer that. I said that was private information between me and my bank and was none of SunTrust 's business - ESPECIALLY since they had received and deposited both payments. I asked if she would want to show a third party any balances on her banking accounts. She answered, " Yes, if I wanted to get my money back. '' Isn't that called blackmail? I sent them the information they requested but I feel that they have gone way too far with this request/issue by delving into my personal information they have no right to. I have now XXXX SunTrust and am shocked by the number and scope of the complaints against this bank. If I was rich I would pay off this mortgage right now just so I would never have to hear/see the name of this unscrupulous bank ever again!