WillisBack/dataset-financial-user-claim huggingface dataset:
I once again write to you in hopes that finally you are able to assist me in having the suspected fraud of my foreclosure case and land records gets investigated. 
I have in the past sent you correspondence asking for your assistance and all I get is one of the banks taking forever and then sending me nonsense. 
The Banks/Servicers/Trustees are not complying with the FDCPA, RESPA, and TILA request that have been sent to them via e-mail, letter and through CFPB. The new servicer has been sent QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST and they have not fully responded nor have they provided certificated and authenticated documentation nor have they provided supporting affidavits are required by law. In addition the suspected fraud has not been investigated. Please help me save my home and help me investigate the fraud and have the entities involved comply with the laws. 
The entities involved with my mortgage and foreclosure case is as follows : 1. Originator : XXXX a subsidiary of XXXX XXXX XXXX ( they filed bankruptcy and went out of business in XXXX 2007 ). Bankruptcy Case Number : XXXX 2. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Servicers : XXXX XXXX, XXXX XXXX XXXX XXXX, Specialized Loan Servicing 6. XXXX XXXX XXXX, XXXX : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was XXXX XXXX XXXX d/b/a XXXX XXXX. 
7. XXXX XXXX XXXX : The company that acquired XXXX XXXX XXXX, XXXX. 
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
10. Chief Judge XXXX XXXX : I sent a letter XXXX XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks. 
See attached for further information.
Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.
Transunion is reporting Adverse Accounts on my credit file. There are two accounts from the XXXX XXXX XXXX that are reporting on my file as one XX/XX/XXXX these accounts where deleted in XX/XX/XXXX because they over seven years old. XXXX
On XXXX XXXX, XXXX, I found out that my personal information may have been stolen during the recent security breach at Equifax.
My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.
In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated XXXX inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that XXXX inquires were generated on Equifax, XXXX on XXXX, and XXXX on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days, creating several entries. These inquiries were UNAUTHORIZED. I have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : Equifax : XXXX XXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), 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 Thank you for your assistance on this matter.
This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX/XXXX/2016 I received an e-mail from Citi group advising that my Diamond Preferred Citi credit card was closed due to inactivity. I called right away but was not able to speak with a representative. On XXXX/XXXX/2016 I called and spoke to XXXX who advised she was an " account manager ''. XXXX confirmed that the acct had been closed ; I advised that I did not want my account closed and that I was concerned about it effecting my credit score. I asked for the card to be re-opened to which she responded could be done by me applying for the same card that they just closed. I asked why I did not receive a heads up that the card was going to be closed to which XXXX responded " this is exactly why we do not send heads up because the customer will go out and use it once and then never use it again and we do n't want that ''. I could not believe what I was hearing, I understand Citi bank wants to make money but to relay that information in such a manner to the customer is ridiculous. I advised that I am sure the higher ups would not want her telling customers that that is the reason they do not provide a heads up and she should not tell anyone else that. As someone who works in customer service customers like to feel like more than just a number. I do not any any inquiries on my CBR so I declined and asked who I could speak with to have the card re-opened without a CBR pull. She said she is the only one I can speak to. I had to threaten to write a complaint before she would escalate my call. I then spoke to XXXX who said he was an " officer in charge ''. I repeated my request to XXXX advising that since my card had been closed due to inactivity and it was just two days ago that it should be able to be re-opened without the CBR pull. He asked me 3-4 times if I wanted to apply after I made it very clear that I did not. I have XXXX other cards that are associated with Citi bank outside of the one that they closed. I am requesting my account be opened.
Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.
I have contacted XXXX XXXX XXXX regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with XXXX XXXX XXXX for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. 
Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.
I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. 
At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. 
I have called one of their numbers and told them to stop calling. They continue to call anyway. 
On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. 
I have perfect credit. I do not believe this is my debt. 
In the unlikely chance that it is mine. It is beyond the statute of limitations. 
Regardless, they are harassing me on a daily basis and I want it stopped. 
Please note : i have already filed complaints against them with the FCC for harassing phone calls.
I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or this company
I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making.
After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX
On or around XX/XX/XXXX, I received an offer ( addressed to me and mailed to my business ) from American Express, offering XXXX XXXX Preferred Guest points for the first {$5000.00} spent and another XXXX XXXX Preferred Guest points for an additional {$5000.00} spent. I accepted the promotional offer ( which American Express has confirmed was noted on my account ) and the card was activated in XX/XX/XXXX. I spent {$7900.00} over a period of several weeks ( and paid the balance in full ), but no SPG points were received as offered. I contacted American Express approximately ten days ago, and was told it was possible I was n't eligible because I had previously owned the card which was closed in XX/XX/XXXX. The American Express associated indicated she would forward the issue to " escalated complaints '' for clarification. I called again today, and after being disconnected twice, was connected with XXXX ( employee ID XXXX of XXXX, AZ ) a supervisor with American Express. He agreed I should be awarded the points, as American Express solicited the promotional offer, it was noted on my account and I met the required terms. After being placed on hold for a few minutes, he indicated that I would not be given the points.
I signed up for a citigold account accepting a XXXX thank you points promotional offer that was sent to me. I applied early XXXX and was told that I needed to make a qualifying bill payment 2 months in a row to qualify. I called in early XXXX to confirm the promotion was on my account and that I met the qualifications. I asked when I should receive this, they stated by XXXX XXXX 2016. When I called on XXXX XXXX they said it was actually XXXX XXXX 2016 because it was 90 days after the statement closes of the month that I met the criteria. They said they saw the promotion attached and I needed to wait. Upon calling on XXXX XXXX, they said they had no record of a promotion and none were tied to my account. I submitted a citi investigation and they sent me a communication that I had no offer attached. This was the only reason I signed up.
I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.
Called CitiCards on XX/XX//18 to request lower interest rate and consolidate all balances to the lower rate. Was approved and confirmed rate would be 13.49 % and ALL balances combined at that rate. 

In reviewing my XXXX statement, rate and balances were NOT reduced or combined as promised. 

Confirmed on XX/XX//18 by online Chat ( transcript available ) that account was " cured '' with rate and ALL balances combined at 13.49 %. 

After many documented Chat sessions and recorded voice calls, rate and consolidation was promised but never implemented. 

Also agreed that the difference in the interest rate, ~5 % and {$600.00}, would be credited back.
I would like Scottrade and Scottrade Bank to review their security policies and provide clarification on the following issues:1. ) Scottrade and Scottrade Bank claims in their Online Security Guarantee that Scottrade and Scottrade Bank have the right to review a computer in the event of an account takeover event, in what cirumstances will Scottrade and Scottrade Bank utilize this and how long does Scottrade and Scottrade Bank typically hold the compute for. 
2. ) Has Scottrade and Scottrade Bank fully vetted and confirmed the fidelity of information and services provided by XXXX. I would assume since XXXX is being investigated for a criminal matter that Scottrade and Scottrade Bank at least reviewed their use of XXXX as a third party service provider. 
3. ) How often and on what dates have Scottrade and Scottrade Bank updated their online Security Guarantee. 
4. ) Does Scottrade have any plans to implement two factor authentication? 
5. ) Review attached.
I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} balance
THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST LVNV FUNDING LLC. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU