WillisBack/dataset-financial-user-claim huggingface dataset:
I am a senior and sold my home in XXXX ( XXXX XXXX  ) in XX/XX/XXXX The mortgage was held by SWBC Mortgage. I moved near my grandkids in XXXX XXXX. On about XX/XX/XXXX my son received at my home an escrow refund check for XXXX from SWBC. I was traveling and I asked my son to deposit it at XXXX XXXX XXXX in XXXX XXXX. He called and asked how he should endorse it and XXXX recommended to deposit it " For deposit only '' which he did because he didnt want to sign my name. At the end of XX/XX/XXXX I received a notice from XXXX that the escrow check from SWBC would not honor the check for " non endorsement ''. I called SWBC immediately and they transferred me from office to office. They said they would call me back on the cancelled funds. No return calls were EVER made. I then called two times per month beginning inXX/XX/XXXX, was told that twice that the funds would be " resent within 48 hours '' yet nothing was sent. They asked that XXXX send a certified letter from XXXX itself stating they didnt cash the check. XXXX did and still no replacement check. Finally after 5 calls the end oXX/XX/XXXXI received the check inXX/XX/XXXX I have had a credit score of at or near XXXX for over 15 years. In XX/XX/XXXX I had a notice that SWBC did n't receive my payment for my new home in XXXX XXXX, and had a statement owing for two months, which I paid, minus the XXXX late fee. I never got late fees from them for the 5 months they owed me XXXX and I also had been assessed bank fees from XXXX for XXXXSWBC told me they would ask for a waiver and get back to me. In XX/XX/XXXXI found that they reported my payment being 1 month overdue, and drastically affected my credit score to XXXX. I want this removed from all credit agencies. The XXXX owed was paid and I am still disputing that fee. SWBC held XXXX of my escrow money while I was trying to pay for my new home in XXXX also mortgaged by SWBC. On a fixed pension from the fire department this is alot of money for me to float to them. XXXX XXXX
I requested validation of this debt multiple times ( XXXX XXXX/MIDLAND FUNDING ) has failed to produce any documentation. They havent sent my original contract showing my Apr. They tried to sue me in court this case was dismissed because they couldnt prove this debt is mines. They are in violation of the federal law by keep this on my credit
coinbase.com - isnt ' their a us law that states that i an institution holds your cash, they are no way shape or form allowed to keep you from yourn cash? when obama wasa prez, you had him going to florida and tell those law ppl their fired and he endforced the laws but now you got a pseudo banking institution which has my cash in their institution. i orgot the password for the account and dont ' remember the password for the email address. so i called coinbase.com at XXXX XXXX XXXX XXXX so i give her my name password, and then shes ' like last 4 of your phone number., im gon na fax you some personal identificatrion and shes like we cant conrtinue if you cant give me your last four of your phone number ; so i go, gim me an email address, ill send you 17 ids and my ssn and i go, excuse me itrs my cash you cant no youre not allowed to not give me access tro my money, so i finally go do you have a supervisor i can talk to and shes like sure and hung up. my name is XXXX XXXX XXXX XXXX XXXX nys XXXX
hi my name is XXXX ive never had a loan with wells fargo. at the time they said i open the loan i didnt even have drivers lic .my drivers lic have been suspended since XX/XX/1996 in the state of ga im a victim of idenity theft i have written letters no results .so now i resulted into filing bk because i have my kid in college please can some one help thanx XXXX
My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.
XXXX. XXXX phone calls daily, starting at XXXX XXXX, going til XXXX 
I have XXXX numbers blocked from this agency. 
XXXX. Mostly recordings, that fill up voicemailXXXX. Reps are VERY rude and threaten legal action, wage garnishments, and loss of employment if I do not pay. 
XXXX. No paper correspondence has been sent to me.
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.
In XX/XX/XXXX, I graduated from the school identified in the earlier prompt. I received an Interest Notice with an option to pay it off to avoid interest capitalization. I did. 

I made a payment in the amount of {$4700.00} on XX/XX/XXXX specifically directing XXXX XXXX to apply it toward the Interest Notice. XXXX XXXX misapplied the payment and capitalized the interest. The issue was not resolved through customer service until I filed several complaints with XXXX XXXX and, finally, with Consumer Financial Protection Bureau. 

Then I received the 1098-E for XX/XX/XXXX reporting the wrong amount of interest I paid in XX/XX/XXXX : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX before the IRS deadline to file my tax returns. I received an email/secure message that my tax information was reviewed and that the XX/XX/XXXX 1098-E will reflect the correct information. 

Recently, I received the XX/XX/XXXX 1098-E and it only reflected interest paid in XX/XX/XXXX : {$2300.00}. The information in the form is wrong for two reasons : 1 ) it does not include the remaining interest I paid in XX/XX/XXXX which XXXX XXXX promised to correct and, 2 ) it does not reflect the correct amount of interest I paid in XX/XX/XXXX alone. 

I am attaching all documents pertaining to this issue, including XX/XX/XXXX Payment & History spreadsheets downloaded directly from XXXX XXXX   Account with totals of interest paid in each respective year and interest reported in 1098-E. 

Reference IDs for the internal, XXXX XXXX Complaints : XXXX  ; XXXX  ; XXXX
Never had any dealing with convergent or its associates in the past and received a letter stating that I owed them money. Sent a Validation letter and I am awaiting response. Copy of letter is attached.
XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.
An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted XXXX, XXXX and TransUnion and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XXXX/XXXX/XXXX, # 2- XXXX XXXX/XXXX/XXXX, # 3-XXXX XXXX XXXX XXXX/XXXX/XXXX, # 4- XXXX XXXX XXXX  XXXX/XXXX/XXXX, # 5- XXXX XXXX XXXX/XXXX/XXXX, # 6- XXXX XXXX XXXX/XXXX/XXXX, # 7XXXX XXXX XXXX XXXX/XXXX/XXXX, # 8- XXXX XXXX XXXX/XXXX/XXXX, # 9- XXXX XXXX XXXX/XXXX/XXXX, # 10-XXXX XXXX XXXX/XXXX/XXXX, # 11XXXX XXXX XXXX/XXXX/XXXX, # 12- XXXX XXXX/XXXX/XXXX, # 13- XXXX  XXXX/XXXX/XXXX
My complaint is that Equifax was reportedly aware of the breach well in advance of when they notified the public. Additionally, I do not believe Equifax took all the available and necessary steps to protect such sensitive information for myself and millions of others. Their reckless handling of myself and others ' sensitive information, along with reportedly not informing the public immediately, puts all of us at great risk of identity theft that may have been avoided had various other actions be implemented in advance by Equifax.
As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.
Guaranteed Rate services my home mortgage. I have attempted for over 4 months to process a PMI removal for my home. I completed an application for PMI removal, and made payment on XXXX XXXX for the appraisal. I have followed up via phone 4 times afterwards to inquire about the status of my appraisal and had multiple issues. The first issue was stated that the payment I made was applied to my loan principle. After weeks of calling, that was reversed on XX/XX/2716. I also mailed another paper check explicitly for the loan appraisal as a backup source of funds. That check was received and processed on XXXX/XXXX/16. I was told over the last two weeks that my appraisal was imminent and that I would be receiving a call from the appraiser shortly. I called again today XXXX/XXXX/16 and was informed that there is no update on the status of this request.
We are not able to get credit report. Based on your credit data, says that is the wrong address. 

We have been informed that my social security have been stolen. Please email me my credit report so this document can be provided to the police and I could file an identity theft request. 

My name is XXXX and I have been living my entire life in XXXX, NY. Since my arrival to this country I never change states. Here are my mailing address since living in the US. 

XXXX XXXX XXXX NY XXXX -- -- XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Present XXXX, NY XXXX
I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18
My credit report is showing a collections account of {$0.00} from a XXXX. This imformation is being incorrectly reported as the collections account has been removed from my credit report by XXXX XXXX.
Over the weekend of XXXX XXXX my bank accounts XXXX at USAA bank was liquidated of {$70000.00} in Florida without my authorization. I reported the unauthorized withdrawals on XXXX XXXX. I was notified that my account would be credited back within XXXX5 business days but this has not occurred as of the date of this complaint. I need to pay bills but USAA has not even given me an update and the investigator has not contacted me.
I am a victim of identify theft and Chase Bank is violating my consumer protection rights. I have contacted them and informed them that my ex   husband opened credit cards in my name. The company responded by saying that the address on the account matches my home address therefore the debt is valid. This is ridiculous and I demand that they investigate my claims immediately. I want these cards taken off my credit report and a full fraud investigation. The lady I spoke with today said the debt was valid even though I provided the name of my ex husband and information, including but not limited, the bankruptcy filing which included these accounts. This is ridiculous and I want this off my credit report immediately. I will settle the debt but I want the tradeline deleted.
TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being XXXX I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
This private student loan is listed as " charged off '' on my credit report, but is no longer held by JPM Chase. It was apparently sold by JPM Chase to XXXX. XXXX claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
I have sent four payments in the total of {$8000.00} to Shell Point Mortgage   they have returned all payments and have now put me in foreclosure status. When i called them to ask why they were not excepting my payment they stated i was in an inactive status. Now they claim I am eight months behind and are demanding {$19000.00} due in thirty day. Please help me with this situation. Thank you.
I have been trying to get a modification to save my home since XXXX. I have tried and tried and I have been in reviewing constantly sending documents and getting nowhere since at least XXXX. Finally I was told my file was complete and that I would have a decision within 30 days. That was on XX/X/17. It has been much longer than 30 days they are way over the time period they promised and are legally bound to meet. All they have ever told me since XXXX is that the file is under " manager review. '' They will never tell me what that means or how much longer it is going to take. I strongly believe they are just dodging my correspondence using stall tactics so that they can steal my home from me unlawfully. After many calls to Ditech I found out that the underwriter who has been stalling my line for over two weeks name is XXXX, and I am determined to find out the reason why XXXX ca n't follow the law and underwrite my modification fairly.
Please be advised that due to several financial off-set situations, I am facing to possibility of filing a Chapter XXXX bankruptcy petition. I purchased a home that I still own in the state of XXXX, but due to a serious family matter I had no choice but to move to the XXXX of XXXX. I have full intentions of moving back into my XXXX   home, but I can not do that until I resolve several financial obligations. Accordingly, I am requesting a forbearance on my mortgage for a period of six months. I am also requesting my interest rate to be reduced to a standard 2.5 % after modification. The forbearance will cease all payments while I prove my current hardship, and my game plan to work my way out of it. You will be faxed a full power of attorney from my law firm within the next few weeks, and this firm will handle all aspects on my financial restructuring. Therefore, I request a fair process under the modified Fair Debt Collection Practices Act of XX/XX/2014 to be applied to my rights. Under the provisions of this federal law, all threats of foreclosure must cease immediately, all threatening phone calls must cease, and an open dialogue must be opened while I fulfill this financial workout arrangement.