WillisBack/dataset-financial-user-claim huggingface dataset:
Company, XXXX, XXXX, and XXXX, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment. ( XXXX XXXX ) and placed a lien on my property. They did not notify me in any manner. I did not find out until about it until I applied for a property loan in XXXX of XXXX. XXXX, XXXX, and XXXX is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that these three companies stall and waste time by blaming the other. All three are involved ; I 'm naming the XXXX ... because your question asks who notified me of this debt. 
I got a lawyer in XXXX of XXXX, who won for me ( XXXX XXXX XXXX XXXX XXXX for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to pursue collection. 
Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgment because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) XXXX, XXXX, and XXXX filed a lien for {$7100.00}. I was never notified. 
Love, XXXX, and XXXX ( or XXXX XXXX XXXX ) owes me {$1900.00} as awarded by XXXX County judge,  XXXX XXXX. 
I have suffered other financial damage because of being denied a loan from my bank. 
I have suffered other damage because of the time and stress in trying to deal with this series of events. 

I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..
I have asked Transunion a number of times ( 4 ) to provide me with verification of documents for a Bankruptcy that they are listing on my credit report which I am unaware of. Per the FCRA they are to provide me with a signed document that contains my signature and they continue to reply with " the debt has been verified ''! In addition, they have not marked my credit report " disputed '' as I have disputed the item several times. I have n't been approved for loans because of this
On XX/XX/XXXX, Experian refused to unlock my security freeze so that I could apply for a large boat loan. I had tried to get them to temporarily release a security freeze that I had placed on my credit report due to a previous problem. I used both telephone and internet methods to obtain the temporary release, but was unsuccessful due to problems on Experian 's end. As a direct result, I was unable to secure a loan from the bank offering the lowest interest rate, and I was forced to take the loan at a 3 % APR higher rate than was necessary. 

On XX/XX/XXXX, I wrote Experian a letter explaining all the details of my problem, and demanded that they inform me what piece of personal information they had in their database that caused my requests ( phone and internet ) to be refused. This letter is available to CFPB and will be attached below. I never received any response to the questions raised in my letter. Instead, under date of XX/XX/XXXX, I was provided with a standard form which contained a temporary personal identification number that my bank could use to obtain a copy of my credit report. Unfortunately, this information was about two months too late, as I had already closed on a loan ( at a higher interest rate ) and purchased the boat in question. Experian has not disclosed to me what piece ( s ) of information caused my request for a temporary release to be declined. Thus, I would encounter the same problem again when I may need a loan.
This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Bank of America is currently engaging in dual tracking during the modification process and trying to claim ownership of the mortgage. I submitted documents during the month of XX/XX/XXXX, for a loan modification. Please see attached document! 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. 

The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Between XX/XX/XXXX and XX/XX/XXXX my WELLS FARGOS Credit Card was removed for my credit report, but it came back on my report this account should be off my credit report.
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats 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 youve 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 ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt 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 doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont 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 Im 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.
Unauthorized charges were made to my credit card. They were reversed but charges remained that should have been reversed ie late charges and interest. The company has called me 4times and I have explained this to them and told them I would file suit if they turned this inacurate information into the credit bureau. The card has not been used by me in over 2 years. There is apparently still a balance due but it is not owed by me yet they turned it in to the credit bureaus.
I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Equifax, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Equifax was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX/ XXXX onXX/XX/XXXX
XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company. 
First, why did Ocwen fail to provide the current investor loan number as we requested? 
Second, what is the correct investor loan number? 
Third, what investor or company does this investor loan number belong too? 
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested? 
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off! 
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust? 
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested? 
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath? 
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?
On XX/XX/2019 the amount of {$410.00} was deducted from our bill pay with XXXX XXXX XXXX XXXX This transaction was mistakenly sent to XXXX XXXX instead of the party it was meant to. This was not the error of the bank but by accidentally clicking on the wrong bill payee. This XXXX XXXX account has been inactive for several years. Many calls were made to XXXX XXXX and XXXX XXXX which is their financial service. They suggest we contact our bank and our bank tells us there is nothing that can be done on their part and suggests we contact the payee. We have confirmation that XXXX XXXX accepted and deducted the amount from our checking account. We question that XXXX XXXX accepted this amount on an account that has been inactive.XXXX XXXX has no information on any of our personal information because the account is inactive and yet they accepted the payment.
I applied for assistance in saving my home with Select Portfolio Servicing my servicer. They denied me on XXXX/XXXX/XXXX. I have an attorney helping me with the paperwork and they filed an appeal for me on XXXX/XXXX/XXXX. SPS sent me a letter on XXXX/XXXX/XXXX stating they received my appeal and they would respond to me within 30 days. I then received a denial of my appeal on XXXX/XXXX/XXXX. The problem and illegal action for which I am complaining is that SPS recorded a Notice of XXXX against my property on XXXX/XXXX/XXXX. According to my attorney, RESPA Reg X ( 1024.41 ) States no foreclosure action shall be ordered while a borrower is under an active review for loss mitigation. My appeal was not yet denied and I had not cancelled my request for appeal or review. The fact that they recorded a notice of sale on XXXX/XXXX/XXXX, which is 6 days before I was denied, is against Respa Regulations. In addition the denial letter makes no sense and basically confirms that they could appprove an affordable payment that is below XXXX % of my income. It also confirms they are using the wrong interest rate for my review. My current interest rate is 2.75 %. However, as you can see in the letter they are using my contractually due interest rate of 7.75 %. This is not how the guidelines are written. The review must use the current interest rate of the loan and not the interest rate of my loan from XX/XX/XXXX. SPS is basically just making up excuses and at the same time dual tracking my foreclosure. PLEASE ENFORCE RESPS REG X. What is the point of having Respa regulations without doing anything to enforce it. This CLEARLY shows on XXXX/XXXX/XXXX they confirmed my review was open and under review ( See attached letter ). How can they record a Notice of Sale on XXXX/XXXX/XXXX? RESPA Reg X states that the only way they can order a Notice of Sale to be recorded is after the appeal is denied or after I have advised them I am no longer appealing the denial. I never advised them I was cancelling my appeal. There are no questions regarding the timeline. They simply violated Respa Reg X by fling the Notice of Sale on that date. My attorney tells me that every time this happens, the servicer simply does nothing and continues with the foreclosure. CFPB does nothing except collect information and then I lose my home. CFPB in my opinion should demand the servicer rescind the Notice of Sale and re- record it if necessary after the XXXX/XXXX/XXXX date. Otherwise I am advising both CFPB and SPS that this home will be foreclosed illegally and I will pursue all legal action to reverse and cloud the title after the foreclosure if the Notice of Sale is not rescinded and re-recorded legally.
On XX/XX/XXXX I sent a returned receipt and certified letter to Calvary, XXXX XXXX XXXX, XXXX, NY XXXX. My request is to validate that I owed these accounts. In returned they sent me a letter dated on XX/XX/XXXX without any validation. They indicated " they have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow them to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, they are unable to investigate the dispute pursuant to the FCRA. '' In addition to provide more details. ( see the letter that it was sent which included all of the details I was requesting ).
I contacted nationstar in XXXX 2013 about my XX/XX/XXXX payment. I asked if there were any programs I can use for my payment. My son was starting college and he had several fees and charges popping up and I was n't sure how many more were coming. I was advised that I could n't move my XX/XX/XXXX payment to the end of my loan cycle but I could make my XX/XX/XXXX payment over the next four months in equal payments. I made it clear that I could make my XX/XX/XXXX payment and I did n't know if they had programs for college families. It was offered to me as a payment option and not ever was I told it would show up on my credit report as MISSED payments ( three in total ). I did n't pay XX/XX/XXXX as agreed and paid extra over the next four months. I found through XXXX XXXX that I had three missed payments in 2013. I called Nationstar and was told why it reports that way and if I asked the question would it hurt my credit they would have told so. So it was my fault that I didnt ask the right question. I am not happy. I would have made my payment and if needed borrowed money from my XXXXK. The sad part is no more fees came up for my son and this was all for nothing. I thought it was so awesome that this company had so many ways of providing customer service through payment options. I feel frustrated and am thinking of taking my account to another bank.
I opened new credit card account with American Express on/about XX/XX/19 after seeing they were offering an introductory rate of 0 % for balance transfers made within the first 60 days of account opening. Via a telephone conversation the AMEX representative indicated the approved credit limit would be {$1000.00}. I informed the representative that I was displeased with the low amount and required a higher limit in order to do the balance transfer I had in mind. The representative informed me that this {$1000.00} limit was simply the introductory limit approved for all new accounts and that I could request a credit limit increase as soon as I receive my card in the mail. Today ( XX/XX/19 ) I have submitted several requests and spoken to a number of individuals within the Customer Service and New Accounts departments at AMEX. All representatives are indicating AMEX has a policy of not approving credit limit increases within the first 60 days of a new account. Thus, negating the 0 % balance transfer offer and my entire purpose of opening an account with American Express. I feel they were deceptive with their policies and specifically with this promotional offer in order to gain me as a customer.
I have a XXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXX XXXX to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX  to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX XXXX. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. 

This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.
Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.
On XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX FL issued a Buyers Order ( attached ) as relating to the purchase of a NEW XXXX XXXX XXXX automobile pursuant to a request by Bank of America 's Auto Loan Division. Bank of America based its decision in financing the above mentioned automobile based on the aforementioned Buyers Order. While the mileage of the automobile was XXXX miles at the time of delivery, the Sales Embassador of XXXX XXXX XXXX XXXX XXXX XXXX advised us that the vehicle had that mileage because of the extensive testing on the track in XXXX and the occasional miles put on during test drives as the one we had conducted. 

A letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, Senior Client Services Executive XXXX XXXX XXXX clearly states the following : XXXX XXXX XXXX 's demo vehicle and was originally registered on XXXX XXXX XXXX XXXX. 

Had I been made aware of the fact that I was negotiating / purchasing a DEMONSTRATOR automobile I would have had the opportunity to make an educated decision based on facts surrounding the transaction. 

The fact that I purchased a Demonstrator automobile unknowingly has caused a financial burden as I believe the car was not and not represent the correct values. 

I purchased a Demonstrator / Used / Registered automobile which had a delivery date / Warranty Start Date of XXXX XXXX, XXXX. The Manufacturer Warranty of 3 years Unlimited Mileage was also reduced by 4-1/2 Months. 

Bank of America was defrauded here as well, they may not have loaned the monies had they been aware the automobiles history.
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$650.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.