WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, please help!
Pacific Union Financial , LLC RE : Loan # XXXX FHA Case # XXXX A Foreclosure Sale date is a scheduled for XX/XX/XXXX. My, XXXX XXXX, 3rd Party User, called my lender, on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, spoke to XXXX, ID # XXXX, of Loss Mitigation Department, to find out if the Authorization and 61 pages of the loan modification documents were received ( they were ) and the postponement of the Sale occurred/pending loan modification processing. XXXX told XXXX because of the insufficient time ( 30 days ) to the foreclosure sale date, Options ( loan modification nor short sale ) were no longer available that we needed to call the foreclosing attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ) made no sense in that they were the source of mitigation ( which ) XXXX requested to speak to a Manager.

XXXX asked for XXXX phone number ( XXXX ) that XXXX, Supervisor ( mind you ) with no ID # would call XXXX back within ( 48 ) hours was another attempt to deflect postponing the Sale for a loan modification or short sale purchase is why this Compliant is being filed, notwithstanding. XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that their discretionary business practice of ( 30 ) days contradicts and violates the State of Maryland Law. If the foreclosure sale and/or ratification occurs, XXXX and all Parties involved will have committed a felony.

Per FHA guidelines ( Case # XXXX ), we are allowed a loan modification or a short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment.

Please pull the phone transcript to verify the conversation with the above Parties. XXXX must NOT be allowed to circumvent the Law, the last time this happened the 2007 mortgage CRASH occurred.

Are we being profiled because we are Hispanic or is this a standard business practice with Pacific Union Financial , LLC to forbid disavow our foreclosure Rights? A denial of Due Process will be deemed an act of conspiracy and conversion and will be ( if necessary ) be escalated to the TV stations channels 4, 5, 7, and 9 Investigations Teams, my State Delegates, Senator, Governor, the Office of the Commissioner of Financial Regulation, Office of the Comptroller of the Currency, State Attorneys General Office and/or pending a Class-action lawsuit.

I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete.
I purchased a rifle scope online in XX/XX/XXXX. The merchant shipped me the wrong scope. The scope I received was worth much less than the {$1600.00} scope that I ordered. The merchant denied responsibility. 

I disputed the charge with my credit card provider, Citibank. During the dispute process they provided incorrect information that caused the dispute to run past timeframe. A Citibank Customerservice representative provided this incorrect information to me via customer service chat box. There is a record of this but Citibank refuses to release the chat log without a subpoena. A representative advised me not to obtain a third party opinion letter on XX/XX/XXXX. A week later I was advised to provide the letter. I promptly obtained the letter and sent it in to Citibank electronically on XX/XX/XXXX.

Citibank would not continue with the dispute in XX/XX/XXXX because the deadline for dispute supposedly passed on XX/XX/XXXX. I believe my dispute rights were violated because Citibank could have continued the dispute past the timeframe with a reasonable chance of success. I called in numerous times asking them to pursue the case, and they ultimately closed my account and stopped accepting my calls. 

I had my full credit card account balance paid for other than the {$1600.00} charge. I was able to get a credit of {$400.00} from Citibank as a courtesy. The remaining balance of {$1200.00} ultimately reached {$1500.00} as missed payments and late fees kept rolling in during the months I spent trying to get Citibank to remove the charge. Citibank has also harassed me with collection attempts via phone and mail. They ultimately charged off my account as bad debt. The account has recently been sent into collections. I believe their actions are illegal and have damaged my credit severely for the past 2 years.
I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I try to pay at their website, it simply never gets applied. They do not mail me any payment coupons so I don't know anything about the payment, or have any ability to pay accurately. All they do is keep leaving truncated voicemails and refuse to do anything unless I play their game on the telephone which takes much longer than necessary. Really, how do they have a payment website but can't or won't process the payment. I am so sick and tired of these fools and thier seemingly malicious abuse. Please take away their handling of any student loans. This mightmare with these XXXX has been going on for years now! 
My last payment I made was on XX/XX/18, and my payment confirmation # was XXXX. But still they are demanding payment as if it was never rec 'd.
I have submitted over 3 disputes/letters to Equifax, XXXX, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state UCC 11 which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX
XXXX   XXXX   XXXX    the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me  only one opt ion to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.
SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.
Me, XXXX XXXX XXXX and my wife at the time XXXX XXXX XXXX, in XX/XX/XXXX refinanced our home mortgage, and also acquired a separate loan for the home where I currently reside. In XX/XX/XXXX we separated, divorced, I somehow acquired all debt. I was allowed to refinance mortgage on current residence at the going rate of % XXXX. as I tried on my other mortgage, with interest rate at % 8.4276, have denied and denied, due to debt to income ratio, to which I had no options. I have sold the place several times on contract, here six years later yet again I am struggling to make both house payments because remember my debt to income ratio makes me not qualify for a more reasonable interest rate but also a much much much much lower payment to reduce my DEBT TO INCOME SO WE CAN LEGALLY ROB YOU BLIND RATIO. DIVORCED DEBT RECIEVER IN KY NEEDS HELP
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
I have been spending countless hours making phone calls and writing to Experina credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND  A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
On XX/XX/XXXX I was called by FMR or Forward Movement Company. They contacted me with the number XXXX and XXXX, in the words of their supervisor their number changes often. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York. According to the local police department they are well known to run many scams. According to consumer finance they have over 500 negative complaints. 

Since XX/XX/XXXX they have called me about 11 times. I have spoke to them 4 times telling them to stop calling me, including telling their management. In their messages they demand that I give the information regarding the where about of XXXX XXXX ( last name not understandable. ) I do not know this person and I told them that. 

I have called them on each number they call me from, each number leads to the same company and each time they say that " I am not in the system '' " they never called me before ''. They are liars, they call me and then say they never called me, I have the call logs and voice messages to prove it.
Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.
DIVERSIFIED CONSULTANTS INC called me repeatedly from multiple fake phone numbers, never left a message, and did not provide details of the call when I actually answered. I told them repeatedly to stop calling me, and they did not listen.
I have been receiving Emails, phone calls and letters from the Know Your Customer team at Citibank since XX/XX/2017. They claim that they are investigating me and my small business checking account for possible money laundering and the letters threaten to close or block my account if I do not comply.

I have responded in numerous ways in attempts to provide them with the information they requested. First they asked for information on the charitable contributions from this account, and then other information. No matter what I have done to comply with their requests, the matter is not resolved. Moreover, in addition to the constant barrage of threatening letters, Emails and phone calls, they have in fact closed, opened and closed again my account numerous times. Despite talking to them on the phone on dozens of occasions and being in contact with my personal banker at the local branch on XXXX XXXX in XXXX, I continue to get emails, phone calls and letters telling me that the issue is not resolved. Today Wed XX/XX/XXXX I had my son call again. He spoke with and I have spoken with both XXXX, XXXX of the XXXX team and XXXX of the XXXX team. The second XXXX   promised to send me an Email confirming that the issue was resolved and that we didn't need to send more forms, the latest one being a Beneficial Ownership Declaration, and then put me on hold for 10 minutes. She then got back on the line and told me she had to investigate the matter further and would NOT send the Email as she had promised. She then hung up when I requested to speak to a supervisor.

I am an XXXX  year old woman and I use this account for a small business I have. I have had this account for twenty years and up until now have never had a problem. Over the last few months of this travesty the account has been opened and closed several times and yet is still not resolved. The literally dozens of Emails, phone calls and letters have left me hysterical and distraught. I am requesting that you investigate this matter and have Citibank resolve it so that I do not receive any more calls, letters or Emails from them. This constitutes harassment and abuse. Given that they have closed my account ( and reopened it ) numerous times over the last three months and I continue to receive daily calls and Emails, this matter is rather urgent for me as I am extremely upset.
I contacted the company onXX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Equifax Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, in reference to my identity being stolen. Please reference to the following inquiry request as listed below. 

XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX  XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX  XXXX  XXXX-17 XXXX XXXX XXXX-17
I contacted my mortgage company approximately XXXX of XXXX to state that I had noticed I was being charged for private mortgage insurance ( PMI ) when I received my 1098, even though my principal owed was below the required threshold. They indicated that they would be removing it from my loan at that time. This year, I have received my 1098 from them and observed that I am still paying PMI and my payments would be increasing according to my statement. This is only noticeable when these statements are sent out at the end of the year because throughout the year, these items are not discernible, due to the fact they are all inclusive and listed solely as " Tax & Insurance '' in the monthly statement. I have since contacted them again on XX/XX/XXXX to dispute my need for PMI and was told I would be receiving something in the mail in the next 10 business days but they didn't know why I was being charged.
I started searching around to find somewhere to live to finally move out of my mothers house I applied for a few places and kept getting denied, I had never moved out before so was wondering why I kept getting denied, I later checked my credit and saw that a debt collector that goes by preofessial debt collectors located in XXXX, so I called them and asked why that was on my credit when I never lived at XXXX XXXX, he stated he didnt know he would have to call the apartments and see. I called the apartments as well named XXXX XXXX in XXXX Alabama and spoke to the manager named XXXX ( XXXX is the apartments number ) provided my name and number and she stated there is no record of me ever living at the apartments, so I then called the management company the apartments is under which is called XXXX XXXX corporate office located in XXXX and the supervisor over the XXXX XXXX   property whos name is XXXX XXXX also verified to me that they have no record of me ever living there, she then asked me why was I having an issue with something. I told her yes it is showing up on my credit that I owe you guys and its prevnting me from getting approved. She stated that I would dispute it with the ( 3 ) credit companies and when she has to verify there is no record she will do that, I was able to have XXXX  remove it but XXXX and XXXX have not. I have disputed this already once I believe I had to redispute with XXXX and XXXX  Im just really frustrated Ive spoken to every one in the apartments complex who is management and the management company and both have verified that there is no history! I have attached both numbers and managers names so you guys can do the same research I did talk to them directly so they can advise you guys that the apartment shouldve moved from my credit. I also spoke to the debt collectors when I noticed and after I called the property and advised them that I believe the account was put in error because Ive never lived there, I also shared with him that I spoke with the property manager and management company in which they both agreed that the property should not be on my credit and they dont have any history of me ever living there, while telling a rep at XXXX XXXX XXXXXXXX what I discovered he proceeded to yell at me and say, well the fact of the matter is you are going to Pay us, it was very disturbing and they have Called constantly since! Im just trying to move forward and be able to find a place to stay. Thank you so much XXXX.
I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX  XXXX XXXX XXXX credit card, which is issued by wells XXXX XXXX XXXX XXXX, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from XXXX XXXX XXXX. 
The credit agency that ran my credit without my approval is TransUnion.
I had some fraud on my card, so I called to report the fraud. They submitted a fraud case and deactivated that card, saying I would get a new one. I called a week later when I still didn't have a new card and I needed to login to the website to see my balance, but could not because my card was deactivated. I called in to ask the status of the new card and they said it was never requested. So I " officially '' requested it and asked for it to be sent to me immediately because I have over {$50.00} that I now have no access to and will be charged an inactive fee for not using my card in the 30 days. It's now been a month and still no card. No access to my account ( and thus, my money ).