WillisBack/dataset-financial-user-claim huggingface dataset:
Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. 

Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. 

Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? 

Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.
Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.
I noticed charges on my credit card which I did n't make as well as cash withdraws. I immediately informed the bank, the bank failed to close an account, as a result with a {$700.00} limit, I had a balance over {$1000.00}. They shut down my card but still charging me for purchases which I did not make and for cash withdrawals I did n't make either. It is fraudulent practices.
As recently as a 2-3yrs ago I applied for a credit card with capital one ; after receiving and using the card, I began to make the payments as necessary, even before they were required. Later on down the line my apartment was broken into. The culprits stole a XXXX XXXX XXXX, which contained my credit card information and provided them with access to use the card. Once I discovered that my home had been broken into and robbed, I contacted the local authorities and filed a police report as should. Since then the credit card company has refused to assert the fraud protection and identity theft policy 's. I do not feel obligated to pay the outstanding amount that theives have infused to this card and find the credit card company to blame for this unresolved issue.
XX/XX/2018 Approximately XX/XX/2018 I opted to have my credit score, and any actions that seemed wrong, to be seen by me online. The offer was 'offered ' by TransUnion XXXX 
The offer was a dollar ( {$1.00} ) to view all 3 credit scores and details. 
" What really happened '', I was unable to see the scores and detail without giving my private information, including credit card info. I was also unable to see them without creating an account in all the different places ( XXXX, etc ). So, you were creating account after account. There were steps, and then more steps. This became confusing. 
In the process, I was not aware that a temporary account was being setup to monthly extract {$19.00} from my debit card ( since XX/XX/2018 ). 
I have now paid {$180.00} to TransUnion to date, before I told my bank to not allow this anymore, changed my credit card, shredded the other, and informed TransUnion ( by phone 'today ' XX/XX/2018 approximately XXXX CST ) to cancel this account immediately. I was told by TransUnion the account would be closed on XX/XX/2018, a week from now?. I was also told that I would not be getting a credit for this, and that " I could do what I think is best '' about contacting the CFPB and filing a complaint. 
This bank account is not one that I have monitored very closely in the last year, or so. The reason is that I have been concentrating on other accounts that I have. 
I clearly perceive this as fraudulent advertising. They may show their intent in the beginning of this process somewhere, but obviously not very clearly. 
Hence the amount of complaints that can be seen online, and I am sure you are getting. 
On a personal note, I am shocked that these are the people we ( the people ) trust to give accurate credit information. They also are trading stocks ... It is appalling.
I 've asked for valaditation of debt and I only receive copy of Bill. That 's. Verification not validation.
This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.
I made a promotional purchase with deferred interest for 6 months on my Lowes credit card, managed by XXXX XXXX. In the meantime, I made smaller purchases and have always paid off my card balance for each month or made the minimum monthly payment of {$25.00} to cover the deferred interest promotion requirements if I made no purchases. Last month, I paid off my monthly statement balance {$50.00} with an extra {$25.00} towards the promotional purchase. When I opened my statement this month, I was surprised to see interest charged to my account Thinking that maybe I paid the balance late, I checked my last statement, and it was due XXXX/XXXX/XXXX, and payment was received XXXX/XXXX/XXXX. Since the promotional purchase was not due, there should be no reason for interest to be charged to me. 

I called Synchrony, and it turns out that they decided to apply my payment differently this time. Although I only truly owed {$50.00} for last month ( not withstanding the *additional* {$25.00} payment made ), they only applied a portion of my payment towards the {$50.00} and charged me interest on the unpaid portion of the {$50.00}. This is absolutely unacceptable behavior! Their representative, XXXX, refused to explain why they did this or even what portion was of my {$75.00} payment was applied to the {$50.00} owed that month. He did agree to waive the {$0.00} interest charge. It is plainly obvious why they did this - they wanted to increase their revenue at the end of the year. While {$0.00} is n't a large sum of money, how many other customers have they done this to and likely for larger amounts. 

While the credit card statement gives the usual perfunctory legal language about " applying a payment in a different way, please call Customer Service '', it is very underhanded. This is fully reminiscent of how banks did " ordering '' to maximize overdraft fees. And, CFPB filed a lawsuit earlier this year against XXXX XXXX XXXX  on this issue, I believe. CFPB should put a stop to this as well.
I submitted a complaint to XXXX, XXXX and Equifax. about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX
I have repeatedly asked for itemized bills and receipts and I am only being sent old copies of statements that I have no idea what the charges are. I do not know if they are furniture, bedding, service charges or anything else because I am not being sent itemized bills or receipts to determine what the charges are. I settled my issues with XXXX 's corporate and although it is being stated that XXXX, XXXX etc. are the original debt owners, the reality is I did interactions with XXXX 's corporate, who was the entity that was supposed to remove charges and correct statement as they are the one who made errors in double charging a return and were to refund the {$500.00} I had to pay to remove bedding their employees dumped in front of my building in XXXX. My credit statement on XXXX does not even state that this is disputed. 

I have no idea what they are trying to collect I request itmezed bill and receipts not old copies of statements which do not show what the charges are actually for.
My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.
I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds.
Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. <P/>On XX/XX/XXXX vehicle was struck and rendered a total loss. <P/>On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. <P/>On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. <P/>On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. <P/>I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. <P/>I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. <P/>The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. <P/>VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.
I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.
XXXX is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
Transunion Interactive sold - for {$1.00} both mine and my husbands consumer credit information. The entity who stole our information can answer questions in the TransUnion screeing process that can be found online by anyone! 

What TransUnion Interactive is supposed to provide is being a gatekeeper using the credit card as the final gate. They sold my information to a stranger that did not have my credit card or name on it. This should raise RED FLAGS. But they are so greedy they sell privacy for {$1.00}. Then deal with the consequences later - They probably wanted to sell me something. This company should be investigated for FRAUD - since they Do Not protect your privacy. They sell it for {$1.00} to anyone with a credit card. 

This is an incompetent bunch who create huge problems for consumers. THEY are the problem. They are not doing their job.
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.
We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.
On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.