WillisBack/dataset-financial-user-claim huggingface dataset:
Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.
I looked at my credit report recently and found a collection account to my surprise. 

The following account IS NOT MINE and HAS NEVER BEEN VERIFIED!!!! 

XXXX XXXX / # XXXX I need to know who is responsible for this and why they are showing up on my Experian Credit Report? 

Also - I need signed proof of anything dealing with this " so-called '' debt!! 

THAT INCLUDES QUIT CLAIM LANGUAGE To verifying any legal proof of me owing this debt!
I received notice of a debt owed to the XXXX for XXXX violations. I tried calling the toll free number several times during their business hours which start at XXXX, before I went to work and during their business hours a get a canned message that I have reached their company outside of business hours. It is XXXX right now and I tried calling several times. This has not been my first time trying to contact them without no luck. The issue is that the XXXX ticket we would like to pay but the ticket for the no insurance is being appealed with the XXXX court and I have a lawyer working on this. This collection action should be placed on hold and this should not affect my credit. But I only have to XX/XX/XXXX to contact the collection agency but I have no way to get in contact with them. How can a collection agency keep telling people you reached them after business hours when you are calling during business hours. This abusive and will end up affecting my credit for something that I have been trying to take care of for several weeks.
Sun Trust is reporting derogatory and inaccurate information on my credit report. The Sun Trust Item on all my credit reports was listed on my Chapter XXXX Bankruptcy Filing dated-XX/XX/2013. Please see attached filing.
Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is  representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt. 

The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX  XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies. 

My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.
Navient will not lower my student loan payment and I just can not afford the amount. They make comments on the loan and it has dropped my credit score. I have not missed a payment, or been over 30 days late, but paying the amount they want each month means almost not being able to eat and can never be payed on the exact date because I have to break it up into different payments.
Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.
I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.
Called asking intrusive questions eluding that i know a person named XXXX XXXX and my name is on this persons file. I do n't know this person. Rude, accusatory, argumentative - XXXX XXXX I believe his name is - I believe he knows I do n't know this person - yet he asked for me by name - will these debt collectors ever stop - it used to be another person that i would get these calls for. Why ca n't these stop! They just keep changing company names or who they are trying to collect from. I am on a do not call list. My number is not listed. Please make these people stop this. I receive multiple hang ups a day because I ca n't even answer my phone because its always debt collectors looking for people i do n't even know!
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
On XXXX XXXX 2016 Bank of America accepted a letter from me asking for verification of this with documentation with my signature. In response I got a letter asking for documentation from me instead of my request. That is the only response I received from Bank of America. Bank of America did not send me the required verification, nor did they mark my credit as disputed at any of the XXXX reporting agencies in the 30 days as required by the Fair Credit Reporting Act. I have since sent another letter again asking for verification with no response at all. Bank of America has violated my consumer rights and FCRA 623 ( a ) ( 3 )
Citi bank credit card : I've been paying XXXX XXXX XXXX ( the collection company hired by Citi to collect payment ) regularly for over 1 year. They set up reoccurring payments and told me that they would notify me when it was time to set up the next set of reoccurring payments. Come XX/XX/XXXX I get a call telling me that I haven't played since XX/XX/XXXX. When I ask them why they didn't call me to set up the next set of payments like last time they told me that they were not allowed to call me since my payments were up to date. I told them that it wasn't fair to lead me to believe that they would call me to set up the additional payments and then not do it. On top of this I told them that I was in a FEMA declared disaster zone ( I was out of work and dealing with flooding in my house ) and asked them if they could put a hold on my account like all the other credit card companies were doing, they told me to call Citi bank. I called Citi bank and they told me to call XXXX XXXX which I did and they told me that only Citi could authorize this ; they did tell me that they were offering a temporary hold for their current Customers due to the hurricane but that I would have to call XXXX to ask them ; XXXX again told me that only CITI could do that. I started paying immediately after finding out that the payments that were set up were over and Citi is still reporting the payments as late on my credit report. I think it's really unfair that they could do report whatever they want without offering their former customers who are paying of their debt a reasonable method to address any issues. I've called Citi numerous times and all they tell me is to call XXXXXXXX XXXX   and when I do call XXXX they tell me to call citi, there is no accountability anywhere and no way for me to address these issues.
I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas XXXX and TransUnion to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.
I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Filing a complaint based on the recent Equifax data breach. 

1. Learned of Equifax breach yesterday evening ( XX/XX/XXXX ). 
2. Checked today ( XX/XX/XXXX ) on the Equifax site that my SSN has been compromised. 
3. Enrolled in their XXXX program ( with an enrollment date on XX/XX/XXXX ). This is really unacceptable we have to wait this long for service. 
4. Attempted to sign up for credit freeze but they will not waive the {$10.00} fee ( outrageous that they are charging money for a service that is a direct result of their incompetence ). 
5. Filing this complaint.
I disputed an account that is reporting incorrect information on my XXXX credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If XXXX did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP
XXXX, Experian, and XXXX all showed my name and report as having an account with XXXX XXXX XXXX. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all. 

I have contacted XXXX XXXX and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the XXXX do I fix it?
Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card
On XXXX/XXXX/15 I reached out to a Navient Ombudsman, XXXX XXXX, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is XXXX ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing.
Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless.
XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.
Discover Student Loans will not give me the name and address of an agent for a service of process in California so that I can initiatiate an adversary roceeding.