WillisBack/dataset-financial-user-claim huggingface dataset:
This letter was sent to mortgage company Seterus INC. Now my house is in foreclosure, and they wo n't talk to me, since loan is in my ex-husbands name. I have made every payment since being awarded the house last XXXX XXXX. This letter I am attaching will explain more. 

Seterus , Inc . 
XXXXRe : Loan # XXXX-XXXXXX/XX/XXXXTo Whom it may concern : I am writing to request information on my home ; at property address XXXX 

This is my house. It was my child hood home I inherited in XXXX from my deceased parents. When my ex-husband and I refinanced this property with your company, we used only his income and credit score, because at that time I was a stay at home mom, and he had the higher credit score, making the interest rate and payments lower. I was, and always have been authorized on this account, until recently! I have been trying to find out where my XX/XX/XXXX payment of {$760.00} is at that I sent you. It has not been sent back or cashed. Nor will anyone discuss this with me!! 

Last year, XX/XX/XXXX our divorce was finalized and the judge awarded me my house. ( COPY ATTACHED ) XXXX XXXX was court ordered to pay all the delinquent payments at that time and I would resume the first XXXX in XXXX XXXX. 

I made each month 's payment to you in the amount of {$610.00}. I paid every month! I sent you XX/XX/XXXX payment of {$610.00}, which you returned to me. ( COPY ATTACHED ) Letter states that you sent explanation to the borrower. I then called and was told that the payments were delinquent, and each month I paid, the payment would be applied to the previous months. Therefore, you sent me a copy of a letter you sent XXXX, stating you were willing to work with him on the delinquency of the account, and modify the loan. It stated that that a payment of {$760.00} should be sent in for XXXX, XXXX and XXXX, while you waited for hardship letter and documents from XXXX XXXX to modify. 

I called on Tuesday, XX/XX/XXXX and was told XXXX never responded to this request. I asked where my XX/XX/XXXX check for {$760.00} at! I was told they could n't discuss this with me as I was n't authorized now! 

Last night, XX/XX/XXXX I got a phone message from XXXX XXXX stating my house was in foreclosure and I had until XX/XX/XXXX to pay you {$5600.00} because I have failed to pay any of my payments over the past year!!!!!!!!!!!!!! I have sent you all of my canceled checks to you for the past year, showing you I HAVE PAID!!!!!!!!!! This is my house, and clearly XXXX is in contempt of court, which I filed against him on Tuesday XX/XX/XXXX with XXXX XXXX Courts in XXXX, CO. 

Please send me correspondence regarding my check, and what is going on. I am the owner of the home and I will file a complaint against you legally, if a foreclosure is truly happening. 

In my own eyes I believe that XXXX is just unhappy that I won the home in the divorce and doing everything in his power to make me lose it! 

I have attached all of the pertinent information needed for you records ... 

Thank youXXXXXXXX
I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.
I am complaining cause I believe Comenity bank is denying my applications cause of age. I first applied for a  XXXX   XXXX   Visa  and then an  XXXX   XXXX  credit card and they have denied me on both occasions, On the  XXXX  Card they said they could not verify my identity and I have been at my address for years. I am going to attach my drivers license and a selfie of me holding my drivers license and my social security card so they can see its me. This is not fair lending that they are doing.
Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on
I have contacted Navient many times to see if I qualify for a payment reduction or to consolidate the loans and they have told me many times that for my loan that can not be done. At this point I dont know what else to do. I pay and the balance never goes down. It is a nightmare.
PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT
To whom this  may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Equifax,   XXXX   XXXX   )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
I got a letter stating all your Citi credit cards are closed. The reason was, too many hard inquiries. I called in on XX/XX/2018 at XXXX spoke to XXXX ID # XXXX asking why my accounts were closed she transferred my call because a different department handles that. XXXX from XXXX Call Center answered I said I do not have too many hard inquiries so the representative pulled a credit report and said she does not see anything wrong with my account and i did not have any negative relationship with Citi Bank since i have been a member and she will put in a request to open my account. On XX/XX/2018 at XXXX XXXX  I called in again because my accounts were not opened. I spoke with XXXX  ID # XXXX. She said she will put the request back to open my accounts and i will receive a reinstatement in 5-7 business days. She also pulled a credit report and stated she did not see anything wrong with the credit report. I followed up on XX/XX/2018 at XXXX XXXX  spoke to XXXX she stated the request is still in process and will send an email to the department that handles it so they make a decision. On XX/XX/2018 at XXXX XXXX  i spoke with XXXX from credit department ID # XXXX and she stated they will not open my credit cards because of too many opened accounts ( which is not true I will attach my credit report. In my credit report you will see there was only one credit card opened in the last 3 years ). I have opened a business so I applied for few business credit cards to build my business credit. One is XXXX XXXX which is showing on my personal credit report and one is from Citi Bank because I have been a member for 13 years and I considered it my favorite bank. Citi bank does not show the business credit card on my personal credit report.
I 'm writing due to the incorrect information being reported by Bank of America credit card. Bank of America has reported incorrect information to the credit reporting agencies, that I had gone over my credit limit. When in fact, I had originally put in a request for a credit limit increase, well beforehand, in order to avoid this ; however it was provided 2 months after the original request. See below for more details. 

I have over 25 years with excellent credit, never been late with any of my payments to any creditor, nor have I have ever gone over my credit limit with any of them ; as evidenced from my past credit reports with all three reporting agencies. 

On XX/XX/XXXX, I called Bank of America inquiring about by credit card limit and for a credit limit increase of {$500.00} ; since I was planning to make several large purchases during the next following days. I understood that at the time my credit limit was {$12000.00} and with my new charges it would go over my credit limit by {$250.00}. I figured this would be enough to cover my credit limit overage and leave me with ample available credit, should I need to use my credit card again in case of an emergency. 

On this same day, I charged my IRS tax lien of {$930.00}. On XX/XX/XXXX I made a purchase for a flight ticket of {$230.00} and on the last purchase, XX/XX/XXXX, I paid my school tuition with my Bank of America credit card in the amount of {$1800.00}. Adding all these charges, I knew that it would go over my credit limit ; thus the request for the {$500.00} credit limit increase. Since these purchases, I have not used my credit card ; meaning the requested increase, was only for the purchases mentioned above. 

Upon finishing speaking with Bank of America, I was told that they would get back to me with a decision in authorizing the increase. I never received a phone call, an email, nor any written letter in the mail, advising of their decision. The credit limit increase was not provided until XX/XX/XXXX. Bank of America 's delay in prompting a decision for the increase, then caused me to go over my spending limit. 

My original request on XX/XX/XXXX, was not for {$2000.00} or {$5000.00} ; but for {$500.00} more than enough to cover the purchases mentioned. I do not appreciate that given my years of hard work maintaining my good credit, that through Bank of America 's inaction and failure of not being able to provide a quicker resolution to a credit limit increase, in a timely manner would cause my credit rating to be impacted in a negative way. 

I expect that Bank of America, rectify the information they are furnishing XXXX, XXXX and XXXX, and clear this erroneous information from my credit report. 

Thank you.
I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how Equifax verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXXr. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Sometime in late XXXX I received an offer from Citi bank to join their CitiGold Checking account program. The literature stated that a bonus of XXXX TY points would be awarded if I met the required terms and conditions. This seemed like a decent deal to me ( given the fact they charge a high monthly fee for the account ). Once I had met these conditions I sent a secure message to confirm that I had all the details correct. I received a message in return stating that " yes, I had completed all the necessary requirements '' and was given a date when the points would post. This date passed and I sent a second message inquiring as to what the delay was. I was then told that I was n't eligible because they believed I had not originally been targeted. This application was submitted in XXXX and I naturally do not still have the slip I received from them about the offer. I have screenshot the message from the rep stating that they had in-fact confirmed my eligibility previously. More disturbing, is that when I attempted to access the older messages where they had confirmed I had met the requirements I was unable to do so.
My current mortgage company " Mr. Cooper " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX.

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the XXXX XXXX XXXXXXXX Account # - XXXX. 

XX/XX/XXXX - XXXX XXXX XXXXXXXX Account # - XXXX was deleted from my XXXX  credit file. However, that account was not removed from my Experian credit file. Filed several disputes with Experian but they did not remove the fraudulent XXXX XXXX XXXX account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted XXXX XXXX XXXX to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from Experian saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from Experian credit report agency since the information was corrected at Equifax but it is still wrong with Experian. I believe that both XXXX   XXXX XXXX and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX
The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!
I purchased a MoneyGram Money Order for {$400.00} on XX/XX/2017 at an XXXX in XXXX, ny to pay part of my Mortage for that month. I filled it out completely to XXXX XXXX INC. XXXX XXXX XXXX, NY XXXX, c/o XXXX. 
I mailed it in the XXXX mail box on XXXX between Springer ave and XXXX on XX/XX/2017.I called the mangers office on XX/XX/2017 to make sure it was received. 
I spoke the manger he said it was n't received, I then called money gram to see what happened to the money order they took the money order number and the amount to check it and told me it was cashed. Now I had to pay {$24.00} for a photo copy of the money order. I went to a money gram in cvs and paid for the photocopy in 2 days I received the photo copy of the money order which was altered by the person whom stole the money. It was clear as day this money order was altered money gram has money orders if altered must not cash you can see on the photocopy it was altered and it was n't signed on the back to cash. The money order was made out to XXXX for XXXX the address used is XXXX XXXX. The money order has the Bank named as XXXX XXXX MN No ZIP CODE I can see this Money Order was altered why ca n't Money Gram investigate this to give me back my money. I filed a Police report with the XXXX Police Department 2nd PRECINCT but they 'll not even doing their job Investigating officer # XXXX my complaint # XXXX I gave the officer all the documents he asked for to no avail I 'm still have no help in this matter. I call the police they said it nothing they can do, because No one wrote up the report, Lazy Officers!!!! That 's not right I was robbed of this {$400.00} it sure be investigated I need my money back. That 's why I pay taxes so they can do their jobs .I feel they have robbed me as well!!!
On XX/XX/2018, I mistakenly paid my PayPal Credit account the amount of {$1900.00} through my bank 's bill payer. This payment should have went to my Mortgage company. I did not realize that this was done until I received a letter from the mortgage company on XX/XX/2018. I contacted the bank and they advised me that the check was cashed and funds were removed from my account. I called PayPal credit and advised them of the situation, they advised me that a refund check would be mailed to me that day. I have spoke to this company multiple times and seem to keep getting no where with them. The account had XXXX balance on it, so the credit has no bearing on any charges on the account. I advised them that its my mortgage payment and my credit is affected by this and late fees are being added. Nothing seems to be helping.
XXXX # XXXXTransunion account # XXXXFrom XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.
On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.
I am trying to use an XXXX stipend to pay towards my loan. Fedloan has repeatedly refused to accept the payment. When they refuse the request, they leave a message stating that I do not have a loan with them. So I have called multiple times to resolve the issue. Once they denied that they had an XXXX administrator and on another occasion they stated that they did have an XXXX  administrator but that they had no way of transffering me to their XXXX administrator. They claim to not be receiving the payment requests however they are writing the " user does not have a loan with this institution '' messages and have accepted a prior payment of lesser value.
Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account