WillisBack/dataset-financial-user-claim huggingface dataset:
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX out of his XXXX and wanted to get the XXXX sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Western Union Financial Services. Western Union claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Western Union and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Western Union States on the back of their check, Not good after XXXX year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
TRANSUNION IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM TRANSUNION. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.
I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers credit
many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.
Hello, I recently checked my credit score through credit karma and saw that I had a hard inquiry from XXXX XXXX  airlines/entertainment for XX/XX/XXXX of 2019. I have never applied for a credit card through XXXX XXXX until XX/XX//2019. ( which does show up on my credit karma score ) I have tried numerous times to get ahold of XXXX XXXX and I keep getting redirected to someone else. Ive called XXXX XXXX  and get redirected to credit karma. This mistake is affecting my credit score that Ive been working very hard to improve.
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, Equifax and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed
I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. 
- They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.
I HAD BEEN UNEMPLOYED AND CA N'T PAY THE DEBT OF MIDLAND CREDIT MANAGEMENT FOR THE XXXX DEBT.
This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later
A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.
My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.
I received a payment to my Paypal account in the amount of XXXX on XX/XX/2018. Two days later, I noticed the amount was not being reflected in my balance and reached out to Paypal support for help. I have been in contact with them multiple times and have followed all of their instructions : opening a ticket with their XXXX technical support, waiting 24 hours for the fix, waiting a week for the fix, opening a second ticket with their XXXX team, etc. I even suggested ways they could fix the issue like issuing a credit to my account. 

They have now stopped responding to my enquires and have not provided the funds or any additional information.
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 C.L.U.E.Report and other furnished Lexis Nexis, 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 address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX OH XXXX
I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....
I was issued a summons from Midland Funding LLC by XXXX, XXXX XXXX XXXX ( which lists a XXXX XXXX XXXX XXXX XXXX XXXX ) that also says XXXX XXXX XXXX XXXX with a " WRITTEN CREDIT CARD ''. Ending with a number of XXXX. 

I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. 

This summons says I have 35 days to dispute this debt in writing. 

This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! 

THIS IS NOT MY DEBT! I ca n't believe this is legal. If there is anyway that you can help me with this I would greatly appreciate it. That is all the information that I have in reference to this absurd summons I was given. Not only that it is not my correct name. It is from when I was divorced.
I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
PNC  bank sold the property on  XXXX / XXXX /  XXXX   as the pnc bank stated. The certificate of foreclosure was filed on the land records on  XXXX   XXXX ,   XXXX   in book  XXXX  at page  XXXX  at  XXXX  of  XXXX , CT. I had a bankruptcy in  XXXX  and it a utomatically discharged for the balance. PNC bank repre sentative stating that  PNC  bank knows I had a bankruptcy in  XXXX  but showing not a ctive on their file. PNC Bank still reporting negative credit to credit bureaus. I called the PNC Bank couple times they are still refusing. That 's another game with PNC Bank as usual, PNC Bank is the most player and always plays stupid, but we are for them. Also PNC Bank mortgage department should and carefully   exam and investigate by the Federal Government and should deeply  search about how they play with American citizens.
I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 )  payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!
I called American Express on XX/XX/2018 because I was unable to make payments because of their system. 

When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.

I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent. 

I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.
On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.
I received a voice mail from Commenity Bank on  XXXX / XXXX / 2017  at my work phone number. I was given the number  XXXX  and ext #  XXXX . The man who left the message said he was calling from Commenity Bank and he was calling my work phone number because it was the only number he has to reach me. This is not true and he could also contact me by mail. I 've been told they have called my place of work repeatedly. They have a cell phone number for me and they have called it as well. I 'm only complaining about the phone calls they are making to my place of employment. I have never given them my place of employments phone number or even told them my place of employment.
When viewing my credit report through XXXX, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, Transunion, and XXXX.
I received an email from representatives from : Nationwide Doc XXXX Prep, LLC Telephone : XXXX Extension : XXXX Fax : XXXX who charged me {$490.00} for initial registration on paperwork promising lower monthly payments for my student loans from XXXX. And I also have to continue to pay monthly for paperwork they have to submit every month to XXXX or so they claim. But XXXX rep called me back saying my paperwork was rejected because I was still in XXXX and that I should n't have to pay for submitting the application. That 's when I got very worried. I had used my XXXX XXXX credit card and gave them my personal info with XXXX. Now, I hope I can get this issue resolved somehow since the fraudulent person would n't get back to my emails and calls asking for refund.
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESSS XXXX XXXX XXXX XXXX, XXXX, FL XXXX