WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.
I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.
unauthorized inquiries on my XXXX  report. I have not authorized these inquiries and I have contacted each one of them to tell them so. I got no results.I want these items deleted from my report. 
1.Capital One XX/XX/XXXX 2.XXXX XX/XX/XXXX
This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.
Capital One keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked Capital One ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that Capital One to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that Capital One provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
My mortgage company, LoanCare, has failed to pay my property taxes. I have called multiple times since last year. I was told on XXXX different occasions that the issue was resolved. Now there is a tax sale lien on my property. I have attached a letter I am sending them as a last resort that includes all the details.
Transunion File # XXXXXX/XX/2018XXXX XXXX XXXX XXXX XXXX CA, XXXX has no unit number and is not no address and Transunion has showing on my credit report address that is in error. correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion has address that is not my address correct. Transunion runs multiple address of the same address over and over. This address was in 4 different ways in a address.
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, XXXX, Transunion.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX  , XXXX , Transunion with no updates yet.
CFPB No : XXXX I received two ( 2 ) cash credits of {$250.00} each to my Capital One credit card. One credit was credited to my Capital One credit card between XXXX XXXX and XXXX XXXX. The {$250.00} was a cash refund due me from the move on XXXX XXXX, 2017. The second credit of {$250.00} was credited to my Capital One credit card on XXXX XXXX, 2017 from XXXX XXXX XXXX ; a refund of my deposit. The cash credits were refunds of money I had paid to businesses and was refunded to me. Capital One gave both cash refunds to XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX to the present XXXX XXXX XXXX XXXX XXXX have not provided proof that I owe them any money. Two bogus charges of {$250.00} were charged to my Capital One card by XXXX XXXX XXXX XXXX XXXXXXXX. Capital One had no right to give my cash money to XXXX XXXX XXXX XXXX XXXX with all charges from XXXXXXXX XXXX XXXX XXXX XXXX  in dispute. I demanded proof that I owed the two {$250.00} charges to XXXX XXXX XXXX XXXX XXXX. Capital One told me they were INTEREST on the {$400.00} charge in dispute. That calculates to 650 % interest or {$3000.00} a year. At no time has XXXX XXXX XXXX XXXX XXXX provided any reason to charge my credit card for {$250.00} twice other than to have Capital One give them my cash refunds.
theses are hard inquiries on my report.That needed to be removed.      XXXX   XXXX   XXXX   XXXX
I attended the XXXX XXXX XXXX XXXX, PA earning a XXXX Degree in XXXX XXXX and graduating in 2012. I have learned since then that the school is now closed and I am filing a separate complaint. When my loans became due in XXXX of that year, my parents and I tried to reduce the payments. I was facing a total of {$160000.00} plus in debt. On many occasions, they had us in tears and were not willing to work with us. We started paying the extremely unfair monthly payment but as life goes, our financial situation had changed. We tried to lower the payments again, but were unsuccessful. My parents got an attorney involved to see if he could work something out, but they refused to talk to him. My balance has since been turned over to collections. Navient has addressed the 2 loans that my mom co-signed, but I need Navient to work with me on trying to come up with a reasonable payment, reducing interest rates and waiving past due fees and interest. I dont own anything, my credit is shot and as it is now I barely make enough to live. I need Navient to work with me to hopefully come up with a fair payment. Depending on how this goes, it could mean my marriage which is already financially strained. Thank you.
Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.
I 've been waiting for a month-and-a-half on a new debit card. 
I call your XXXX number customer service and tell them I had ordered one online myself for self service did not show up in the system anywhere so then I was told to physically go into the bank branch asked her to tell her to order me one and send it to the branch. 
The teller then argues with me that that was the wrong thing to do to wait on the other one gives me a temporary card and sends me on my way I 'm thinking she went ahead and ordered me another card now here I am 10 days later still no card no phone call so I call the service line again to discover a card was sent to the wrong address the day that I went into your branch to take care of this matter your customer service rep took way too long to process a transaction that was in front of me because she was too busy laughing and carrying on with that customer has the line grew behind me longer and longer when I made it to the counter you had about XXXX people deep waiting as she laughed and joked with the customer in front of me and did not care to move any quicker or move on about her business in this process I have discovered my letter was not taken very seriously and was not resolved. 
So here I am XX/XX/XXXX with no debit card sure I have a temporary one that I can function with but I do not have one that I can sign payments to because I 'm going to get a new one and now I have to wait another 10 days
For many years I have been facing an execution process of my property that was financed through a conventional loan through XXXX XXXX. c/o Seterus. 
I recently learned that XXXX was facing some cases or lawsuits due to mismanagement of the mortgage loans and the undue payment of interest in which I was a party affected. 
I understand that I have been a victim of these mismanagement and they continue to affect the present. 
I am currently at imminent risk of losing my property, I understand that I am a victim of fraud. I need to take action immediately.
I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.
I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX
In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default.
This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue. 
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius. 

In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government. 

I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership. 

Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX. 

I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. 

Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). 

I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status. 

Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus. 

I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.
I received a inquiry alert from Experian on XXXX/XXXX/2017 in regards to XXXX inquiring and accessing my Experian credit report. The inquiry from XXXX is an authorized and fraudulent inquiry. It do n't belong to me.
My mortgage company is Franklin American Mortgage. I have filed at least XXXX modification request with the company and each time they respond I do not " qualify '' because I do not make enough. I lost XXXX % of my income and my husband abandoned the residence almost 2 years ago. I am now divorced and have a true Hardship. They have wasted months " reviewing the documents '' then they tell me to resubmit them because they expired only to say NO again. The company should be audited as they lie to you each time you speak to them. I do not believe they are compliant with the FHA programs in anyway. Never trust this company.
Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.
Bank of America refuses to make requested corrections to errors made during the loss mitigation process. Upon receipt of my request for mortgage assistance XXXX in XXXX XXXX, Bank of America has done everything to separate me from my home, including taking more than ninety days to conduct an initial review for loss mitigation options and programs and failing to inform me in writing of approval for modification assistance. The intentional misrepresentation as to eligibility and approval of mortgage assistance and documents related to mortgage assistance programs is fraudulent. 

Bank of America has confirmed receipt of my XXXX XXXX XXXX and I have informed Bank of America no additional installment payments will be made. I have informed Bank of America of my claim of ownership of this property by virtue of adverse possession multiple times and have received no opposition to this claim to date. To date, I continue to occupy the property openly as the sole owner. 

The XXXX Requirements for adverse possession on a mortgaged piece of real property are as follows : a ) A claim of adverse possession of real property secured by a mortgage or Deed of Trust may be had upon notifying the mortgagee or their representative when any violation of law during loss mitigation resulting from a request for mortgage assistance XXXX and ; 1 ) The loss mitigation process has been pending beyond ninety ( 90 ) days without a Trial Payment Plan ( TPP ) in place in accordance with the XXXX Act or other agreed upon workout assistance, or ; 2 ) Upon delinquency, where no Notice of Default has been recorded within ninety ( 90 ) days. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including, but not limited to, credit reporting repair and corrections, all state and federal tax liability satisfied on any monetary settlement, all statutory, exemplary, and punitive damages, plus an addtional ten percent, mesne profits ( to include sold at auction amount, rents received, all mortgage values of both principal and interest associated with the subject property ), and an immediate reimbursement of all amounts applied and assessed to the mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX XXXX, XXXX funds since XXXX. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
I have dealt with this company in the past when they were threatening to sue me for a debt that was taken care of. At that time they threatened to put a lien on my bank accounts. 

On this most recent call, from an " unknown '' number the lady that I spoke with told me she was collecting 'location information '' becuase they getting to file a XXXX with the IRS and Garnish my wages. This is for a previous debt that was cleared up in the past. When speaking with her she never informed me this was an attempt to collect on a debt. 

I told her the debt she was discussing was already settled and cleared up. She disagreed.I told her I would have to consult with my wife for clarification of the matter. This lady said I had until noon to tomorrow otherwise she was going to file against me to garnish my wages. 

As I spoke to her to get her follow-up information she told me her name was XXXX XXXX with Worldwide Asset and if she didnt hear back from me by noon tomorrow she would file a " XXXX to trigger garnishment ''. She said she is located in XXXX California, She offered to settle the debt with me if I paid tomorrow for 80 % on a XXXX full payment or she would accept XXXX payments at a higher value. 

I dont have her phone number in my file to contact them. 

I recall the last time I had to put up with their scam that they pulled a hard credit check/report on me and ti really hurt my credit score. My wife and I are presently in the process of buying a new home. The offer and preliminary contracts have already been filed. I can not afford for this group of scammers to do the same XXXX to me, or worse, as they have show in the past they will do.
I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the mortgage.
An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.