WillisBack/dataset-financial-user-claim huggingface dataset:
We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.
This is the second time I have contacted your Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XX/XX/XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.
Recently disputed incorrect data reporting on credit file. Account has been deleted several times and then re-reported. Under the FCRA, all items reinserted must be provide by the furnisher of the information in writing of why the debt in being reinserted with XXXX days of re-reporting. I have never received any notice from the furnisher, which is violating my consumer rights.
As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.
I recently submitted a complaint ( complaint XXXX ) and received a response that the issue was resolved. It seems that the issue has not been resolved. 

I am unsure why I was given faulty information. 

Based on that information, I had made specific plans and was dismayed when I discovered that those plans would have to be canceled. 

After several subsequent conversations with American Express representatives, including a call back from a supervisor in the respective department handling this issue, I am no closer to a resolution.
We were denied a loan modification from Bank of America after a game of deceit on their part. They were given all the information that was requested yet they kept saying you did n't send in page XXXX or you forgot to send your income statement. All items that had been sent over and over again. Then they said you were denied because you did n't get the paper work in to us on time so you do n't qualify. Their is so much to this case as it has gone on for years now but they just scam the people not just us. They have broken the law on several levels and should be held accountable.
Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX balance {$920.00}
I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX
I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.
We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX
My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.
XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke  to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.
My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you
I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX and XXXX and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 via certified mail tracking number XXXX with return receipt. XXXX received it on XX/XX/2018 and I did not receive anything from them. On XX/XX/2018 I send a second letter requesting this information a second time. They received it on XX/XX/2018 I still did not receive any communication from XXXX concerning this matter. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. XXXX is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' XXXX has most recently reported is { {$1800.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them XXXX also may not show the account as " Open '' as they are not a creditor and may not list an account as open. XXXX also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation of the Fair Debt Collection Practices Act sect 807-8 but not limited to and with Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.
In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by XXXX XXXX XXXX.
I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX