WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.
On XXXX XXXX 2017, I reported that my Coinbase account was compromised because a XXXX dollar buy order for Bitcoin was made, but it was not made by me. Because I reported this, Coinbase " temporarily '' locked my account that day so that no outgoing transactions could be made, which means that buy order still processed and XXXX dollars was taken from my bank account, and then added to my Coinbase account in the amount of roughly XXXX Bitcoin. 

I have since figured out what happened to my account ( on my own ) and have requested that Coinbase unlock it so that I can log back into it and properly manage it like I always have. Or, at the very least, I have asked them to send me the Bitcoin that is rightfully mine ( since it is in my account ) so that I can get my XXXX dollars back, or at least the bitcoin equivalent of it. 

I made this request by replying only a few hours later to the email ticket I had opened on the XX/XX/XXXX,  asking them to give me access back to my account. I never heard anything form them for over a week, thats when I made my first call to their support line that you have to wait on the phone for 30-60 minutes to speak to anyone. Doing this did not help at all as I could get no actual details about my case from them, and was basically told to keep waiting. I have been waiting for 5 weeks now and have made many more calls to their support line expressing my frustration and trying to get information, and yet I can not get any details of what is going on. The people on the support line have told me that these cases normally take under 10 days to resolve, but my case has not even gotten a response with any detail about actions they are taking to resolve it, not a single word. I am demanding Coinbase unlock my account so I can access it, as it has important money locked in it that belongs to me. During my last phone call with them a few days ago support at least made a note on my ticket as seen in my attachments, basically just saying for me to continue to wait and to stop replying to the email ticket ... .but once again, no actual detail or estimated time given on when I will have my account back.
I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!
Back in XXXX, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their fidelity bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo back in XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the association 's coverage. I made it perfectly clear that I do not want to pay any more upfront fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check. During the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominium 's fidelity bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
I am so tired knowing that my concern was not attended by Equifax!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX   XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Credit card company double charged me for a statement and is not responding to calls. Called them every day for 5 days straight. Everytime, I 'm on hold for up to 1 hr. 

Also, website does not provide any way to learn how to cancel the credit card. Their product is predatory.
I sent Central Financial Control an letter on XX/XX/XXXX and on XX/XX/XXXX about a debt that showed up on my credit report. On that letter I requested that they validate the alleged debt due to me being unaware of any outstanding medical bills. In that I also as that they provide the breakdown of fees including any collection costs and medical charges. I asked that they please provide me a copy of my signature with the provider of services to release my medical information. On XX/XX/XXXX I received information from Central Financial Control stating that the services were for someone with the last name that is not mine. They stated that the services were rendered to someone that was uninsured. In that letter they stated that I was properly notified in which that has never happened. After receiving this letter I went directly to XXXX XXXX XXXX and provided them with a copy of my Id and Social. At that time they could not find any of my information at the facility. I also advised spoke to them about the 100 percent charity and they made me aware that the charity covers all bills owed past and present. I then contact XXXX XXXX again and advised them that I have been to the center and they could not find any of my information. They advised me that they would have a manager look into it. I also sent them a copy of my ID and Social security card to show that it was not me. On Today I received a response with a letter stating that they tried to contact me about the debt. The dates that are listed in the letter are incorrect as to I HAVE never received anything from them prior to XX/XX/XXXX. On the letter they state that they sent me a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The date if XX/XX/XXXX was prior to the  alleged service date so how could I have received a letter? They also stated that there was a military Id card. I have never had an military ID card. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. Also the letter contradicts itself they advise me to contact XXXX Business office and in fact I have and they have told me more than one time that any medical bills that were against my name were reversed. As I stated prior I have sent the information with my id to them on more than one time. The Original creditor has already advised that this is not my information
I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.
Company XXXX - XXXX XX/XX/XXXX New Address - XXXX XX/XX/XXXX Commonwealth Financial - XXXX  XX/XX/XXXX ( there were 2 reports same from XXXX ) Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX  ) - Inquiry Details from XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Telephone Companies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX  ( Miscellaneous Reptg.Agencies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX ( I had a credit card from XXXX  ) Derogatory Marks from XXXX XXXX  ( not mine ) XXXX  ( not mine, there were 2 reported ) XXXX XXXX ( not mine ) Ps. not represent enough information which is including from who, when, where, etc. depts. report, as well on XX/XX/XXXX-XX/XX/XXXX someone broke into the car and got all my wallets, credits card, driver license and social security number card ) Thank you
I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. 

This has also affected my credit score. 

I want my payoff and I dont believe it takes 7 to 10 days for it. 
I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. 

This has been going on for 19 days now.
On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.
We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, XXXX, Experian shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Wrong credit claim from XXXX XXXX XXXX owner : XXXX XXXX LLCCurrent Account No : XXXXCurrent Balance : $ XXXXThis is fraud claim by XXXX XXXX. The current debe collector is Dynamic Recovery Soltuons, XXXX XXXX XXXX, XXXX, SC XXXX. I file compalint in FTC ( XXXX,XXXX ) they vanish and again come back after few years. This has been going for the last many years.
My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XXXX XXXX XXXX XXXX, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX reports open collection days after unauthorized hard inquiry of capital one account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt Capital One charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

Thank you, XXXX XXXX
Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. 

The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. 

Please let me know how you can help me. my email. XXXX Thanks!!
I sent in a copy of my social security card and state driver 's license. My name is  XXXX   XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX  is not my name. My address has never been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SC  XXXX . That address does not exist. My number has never been  XXXX . I have disputed several times and provided documentation.