WillisBack/dataset-financial-user-claim huggingface dataset:
I had an outstanding XXXX balance, they had first sent it XXXX, then they removed it, and they sold it to enhanced recovery where i settled and paid my debt, I then received XXXX phone call about still owing my XXXX XXXX XXXX bill to XXXX. XXXX XXXX XXXX had never closed the account, and still shows i owe a outstanding balance. I am not sure which company is at fault, I just want it taken care of. I have been on the phone with enhanced recovery all day trying to get an paid in full email.
On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the XXXX  Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my XXXX   and Experian reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both XXXX  and Experian made it difficult to access my credit reports directly through their agencies, this was off for me because I could access XXXX through XXXX and Experian through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however XXXX denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both XXXX and Experian have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in XXXX, and Experians high and might oversees customer service team which refuse to correct my report.
In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well Transunion, XXXX XXXX responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX  XXXX  has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, Transunion, XXXX. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX  XXXX   and attached is a copy of the delivery notice that the company received the letter.
I am having major problems with the mortgage company SPS. they have stolen my XX/XX/XXXX Mortgage payment. I have proof that SPS Mortgage company cashed my payment on XX/XX/XXXX and they are refusing to credit my and are charging me interest on that missed payment. 
2. they have disclosed personal information and have invaded my privacy by discussing my mortgage with my insurance company, when I specifically told them in writing only discuss the insurance payment release only, I have proof of that I received a voice message from my insurance agent that SPS said I have filed bankrupty and that why the delay and that was none of there business to discussed my personal information. My house caught a fire XX/XX/XXXX and they are holding the balance of my funds that they received from my insurance company to fix my house. SPS is creating hardship for my husband and myself who are disable, we need are money now to continue fixing our house they are holding it so they can collect interest on it as long as they can. they took two month to release the first draw, when all obligations had been met. I have made numerous calls and they refuse to let me speak to anybody other then who answers the phone. Please help me resolve this matters
XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am self employed and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to XXXX this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my business that i worked so hard for and now i cant buy a house because of how they misled me into a trap. i am submitting one complaint per company so i am going to copy and paste this to each one.
Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP
XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not XXXX?
Hello, I received an offer from American Express XXXX AMEX ) to apply for the Platinum Card, which is {$450.00} a year. As part of this offer, they promised XXXX bonus points, if I charge {$20000.00} within the first three months. I accepted this offer and received the card. 

After receiving the card, I asked about this points offer, and they told me that I would not be getting it, as I 've had an AMEX Platinum in the past. Never during any of the application process was I notified of this, nor is it a stated condition on their website. AMEX imposed this condition *after* I had accepted their offer, and tolerated a hard credit pull.
AMEX must honor the offers that they make. Businesses can not make an offer, have it accepted, then reneg. This is flatly against the XXXX, and is probably illegal. 

If I had not noticed this issue, and proceeded, I would have been out {$450.00}, plus another {$600.00} or so from points I would not have received from another card. So I was on the hook for about {$1000.00}, if AMEX were to get away with this. 

They have offered no remedy at this point.
This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,
American express business accountwas used by an employee without my knowledge has been 8 years and is still on my credit report.
I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.
I did a dispute with TransUnion about a month ago, and, today, I received an investigation report with the updates. For some unknown reason TransUnion has placed part of my name with a past dentist 's name and can not explain how this happened. TransUnion states that the creditors ' verify information. That is not true in this situation. I demanded this name be taken off my credit report, immediately. He hesitated for a moment until I yelled at him. Then, on a item that has been disputed since 2014 and deleted by the two other credit bureaus, the TransUnion rep refused to delete stating that the creditor has stated that the information is accurate -- kept repeating this until I hung up. Attached is a copy of the erroneously updated credit report.
Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.
Coinbase will not allow users to access XXXX XXXX tokens that they were entitled to at the time of the fork. Withdrawl transactions are delayed beyond the amount of time it would take an account holder to remove XXXX and redeem XXXX
We have been working on a short sale with my mortgage lender for over 6 months. We have a buyer that is meeting the lender requested value based on the appraisal of our home. The lender is stating they are waiting on a variance from HUD to schedule settlement of our home. Our mortgage lender is stating they can not guarantee the scheduled XXXX sheriff 's sale will be postpone. Please work with my mortgage lender to allow us to continue with the short sale of our home and delay the pending foreclosure.
HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.
Around XXXX 2015 I could n't pay my auto loans and personal loans with Navy Federal due to having to give up my job due to a military move which I had paid for protection for to cover the costs but did not honor. They would call repeatedly threaten to garnish my wages, they blocked me out my checking and savings accounts. I went to cash a check they refused to give me the check back and made me make payments. I told them to pick up the car and they took a very long time to pick up the car. I had to call them about a year later because the car was still parked. After that it still took a few months to pick up. They sold the car which was in good condition for only XXXX when it was worth more than that. Leaving me with an XXXX balance on a 2015 car with no issues.
My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.
Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.
I received a letter from XXXX On XXXX XXXX 2017 for a XXXX XXXX with XXXX XXXX which i never applied for so someone is using my info to get credit cards under my name so concerned about my identity and personal info bieng used.
I was looking at my XXXX annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XX/XX/XXXX, Citibank NA, BEST BUY put a hard inquiry on my credit report. But I did n't apply any credit card or load from Citibank NA, BEST BUY in XX/XX/XXXX.
The company XXXX XXXX XXXX is reporting inaccurately to the 3 major credit reporting agencies that I have an outstanding debt to them. I have contacted them in writing by certified mail repeatedly for validation of the debt and to date I've received nothing. Furthermore, I was never notified in writing of this debt and therefore, I never had by the opportunity to dispute it before it was inaccurately reported to the credit reporting agencies. Also, I believe upon receipt of my correspondence, they were legally obligated to notify the credit reporting agencies that the account had been disputed which they did not.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, Wells Fargo Dear CFPB, I am disputing an item on my last statement, dated XX/XX/18 because I believed I was misinformed of the promotion that XXXX XXXX store was offering us on their no interest rate for 18 months credit card at that time. Last year, my fianc and I came into XXXX located in the XXXX XXXX XXXX in XXXX to shop to purchase wedding rings. Once we decided to purchase the rings, I was planning to place the purchase on my personal credit card, but the sales rep informed us that they had a great promotion on their in-house credit card that doesnt charge interest for 18 months. It sounded too great to pass up. So, we inquired some more information on it to make sure we knew what the agreement was. The sale rep assured us that there would be no interest for 18 months and after that period all we had to do was pay the monthly interest and the balance. We thought it was a great deal so that way we can use more money towards our wedding. 
So, after the 18 months was over. We received our XX/XX/2018 statement with a balance of {$3700.00} with an interest charge of {$4300.00}. Coming to a total of {$8100.00}! We just thought it was a mistake for the interest charge. We called the credit card company and found out that there is a roll back interest charge since we did not pay off the balance within the 18 months free interest rate period. We were furious with the false advertisement that the store had given us so I immediate cancelled the credit card and requested to speak to management. I explained the situation to the manager on the shift saying how the sales rep mislead us and use deceptive marketing practice to lure us in with the promotion they offered but did not explain all the cost involved if it was not paid off within the 18-month free interest period. If that was the case, we would have used our own personal credit card if we had known or even pay off the balance before the free interest rate period expired. The manager on duty explained over the phone that it was in the contract and there wasnt anything that they could do but they can give us a discount if we were able to pay the balance in full in a set time. To me, I feel like they were well trained for this scenario and it seems like it wasnt a first time a customer called to complain about the roll back interest charge or their last. 
We agreed to the terms for the discount and have since than paid the amount of {$7000.00}. So, if the sales rep had explained this to us in person last year. We could have used our personal credit card or even pay off the balance before the promotion had expired. Please assist us in getting a refund on the interest we paid. We believe its only fair we not be charged for the roll back interest given that we paid off the entire credit card balance as soon as we discover the promotional rate they promised was false advertising.
Nationstar Mortgage has always Said they are the real CREDITOR of my XXXX Mortgage. payment were made. Applied for modification and made all my trials payment and yet they still go ahead a foreclose using some company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as Trustee to Sale my property. I have forwarded a R.E.S.P.A Qualified Written Request and Truth in Lending ACT. Nationstar Mortgage still revieled them self as a TRUTH CREDITOR and presented me with a COPY OF THE DEED OF TRUST. I Filed for Bankruptcy to stop the Sale and make some kind of payment arrangement. Confirmation hearing for my plan was taken place and the knew Creditor showed up in Court for a first Time as Plaintiff Deutsche Bank Lawyer. What happen to Nationstar Mortgage, I have being dealing with ever sinced ... I was told in COURT THE REAL CREDITOR NOW IS XXXX BANK. I have sent a R.E.S.P.A QUALIFIED WRITTEN REQUEST TO XXXX BANK AND AWAITING THEIR RESPONSE.
I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB XXXX # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have XXXX XXXX XXXX calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX XXXX Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of XXXX this specific debt was removed from my all 3 of my credit reports.