WillisBack/dataset-financial-user-claim huggingface dataset:
to whom it may concern, XXXX we have been the victims of identity theft,. people have been pretending to be us via a veteran program called XXXX. three people XXXX XXXX XXXX XXXX and XXXX XXXX ( property manager. ) people were illegally attached to us via XXXX XXXX XXXX and XXXX XXXX. fifth third has already verified XXXX. we believe that XXXX  XXXX ( fifth third ) and XXXX XXXX related to each other along with XXXX XXXX in XXXX north carolina. we believe that XXXX XXXX at fifth third on XXXX and maybe other banks she worked at. it was brought to my atttention back in XX/XX/XXXX on camera by a teller she was assigned to our accounts..we never signed any paperwork for her to be our payee or power of attourney, we didnt authorize anyone, including XXXX XXXX  and XXXX XXXX of XXXX including XXXX XXXX or anyone else including XXXX XXXX XXXX, also including the adjacent XXXX  XXXX that was illegally attached to us via XXXX. we have paperwork stating that XXXX was our payee. and that was paperwork given to us by ss admistration. ss administration knows that we dont have payee. and suggested we get monies back from fifth third. fifth third has been uncooperative.. even fifth third verified people had numerous bank cards in our name. 
we can be reached at XXXX XXXX XXXX ( home ) .we have paperwork documents to prove this. once again XXXX XXXX at fifth third on XXXX ... XXXX XXXX XXXX. we never authorized XXXX to do anything with our accounts. the other number where i can be reached is XXXX XXXX XXXX. there is red flag on two numbers XXXX XXXX XXXX and XXXX XXXX XXXX.. these our old number we no longer use but someone has them pretending to be us and speculate assume its XXXX  XXXX ..illegally attached to us via XXXX  embezzling monie from us to because they illegally had our ss numbers. and we speculateXXXX was living here for two years prior to us being here pretending to be us through XXXX. irs already verified over phone some onXXXX was living here in our XXXX  XXXX two years prior to us moving in XX/XX/XXXX XXXX. our XXXX XXXX said XXXX  , and so did XXXX  XXXX and fiftth third. there was bogus account called XXXX XXXX  XXXX.. and this XXXX ( who we never authorized to payee or power of attourney ) had opened commercial bank account..it was verified XXXX XXXX  had our info, .back in XXXX identity theft in the year XXXX. we opened XXXX   account XXXX and thats how we found out someone was usig our name. XXXX ... so how many people via featherfist XXXX XXXX XXXX XXXX illegally gave ss numbers because people illegally attached to us via XXXX. we speculate more banks. mr XXXX verified, how many XXXX XXXX ... so multiple women pretending to be me and my husband as well mr. XXXX XXXX XXXX XXXX. he stated this over phone. mr. XXXX did. the XXXX police have already verified multiple id in our name. including driver license my husband never had drivers licence. so bottomline embezzlement from above named mentioned XXXX first initial XXXX at fifth third on XXXX and XXXX  and XXXX XXXX.. ( alleged property manager aka slum landlord ) placed on us XXXX XXXX  XXXX and XXXX XXXX  .
I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.
This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.
I obtained my mortgage with previous lender back in XX/XX/XXXX. Since then, our mortgage had been transferred/sold between numerous lenders. In order to obtain the loan, we had to comply with ALL the requirements including open and maintain an Escrow Account and obtain the REQUIRED insurances. 

For the past 5 years, we never had any issue with our lenders until Wells Fargo purchased our mortgage account in XX/XX/XXXXInferno had began. 

On XX/XX/XXXX, I received a first notice from Well Fargo demanding an Additional Hazard Insurance which I promptly contacted the office to explain that might have been a mistake. The Notice stated that the Well Fargo was entitled to force-place comprehensive insurance and charges us for the cost of that insurance. After talking to 3 different Wells Fargo representative, I was told that representative XXXX would research and contact me back. 

On XX/XX/XXXX, I received a second and final notice from Wells Fargo stating that a comprehensive wind insurance was required under Wells Fargo mortgage, considering that as a mortgagee consumer, we have no say as to the transfer of mortgage between lenders/financial institutions. 

On XX/XX/XXXX, I send a Qualified Written Request regarding the unreasonable request and demand for action. 

In XX/XX/XXXX, I received a statement of our escrow account showing an increase of {$9100.00} charge for the harzard insurance. Our mortgage raised from {$1300.00} to {$2600.00} or as a second option {$1900.00}. 

In addition, Wells Fargo sent a letter dated XX/XX/XXXX stating that it had issued an additional hazard insurance for the amount of {$6300.00}, but the statement send on XX/XX/XXXX shows an increase on the escrow account in the amount of {$9100.00}. 

Wells Fargo sent us a letter stating that they are entitled to force placed insurance based on existing contract. However, Wells Fargo failed to considered that ( 1 ) No insurance had been cancelled for our property since XX/XX/XXXX and ( 2 ) no insurance policy had failed to renew within the past 5 years. Thus, without the two situations above that trigger their right to force-placed insurance, Wells Fargo is not entitled to do so. In sum, Wells Fargo as a sucessor lender had NO reasonable basis to request, to demand, and to impose a collateral/additional insurance since we have met all the requirements to maintain required property insurances on out home. 

Finally, the transfer between lenders should not alter the mortgage conditions or its practice to the point that burdens the consumer mortgagee. Wells Fargo should be obligated to abide by previous terms and conditions and practice of the existing relationship between previous lenders and us. The mortgage loan transfer SHOULD NOT create a financial burden on uslike in this case in which defenselles our mortgage monthly payment almost double the amount of payment ( {$1300.00} to {$2600.00} or {$1900.00} ).
After finding out about the Equifax breach of most American citizen I logged on the my Equifax account on XXXX/XXXX/XXXX and discovered there is an address listed on there as one of my prior address however I have never lived at XXXX XXXX SC address. I tried to have it corrected or deleted and I was sent to this website to make a formal complaint.
I keep receiving automated calls from an agency called Credit Protection Association ( so far two that I can tell on XX/XX/XXXX around XXXX XXXX and XXXX XXXX, there might be more calls ). I do n't answer the calls and then they leave a voice message saying that they are this agency, the say my full name and state that I have a debt they want to collect, which I do n't know about but I assume it could be from a recent already paid amount I owed to XXXX XXXX XXXX, paid directly to the cable company on XX/XX/XXXX. I am not sure this is the case. It could be some false debt they are trying to collect. Never paid them a cent and never heard from them before.
I started a case about Wells Fargo, see case XXXX, but Wells Fargo denied my case saying that in the fine print somewhere in their paperwork that it stated that the credit card they gave me ( that I never wanted or asked for ), that it would be used for overdraft coverage. But there are two things that are still wrong. First, I set up a Savings account and a Debit Card Savings Account and specifically asked them to use those two savings accounts to cover any overdrafts in my checking account or debit card account. I have my personal accounts set up at a credit union that way and they work great for me. So I was lead to believe that these accounts would cover my XXXX checking accounts. Secondly, Wells Fargo mislead customers like me because the Credit Card transactions and amounts were not on the main customer web site. You could see my checking account, my savings account, the debit card checking and the debit card savings account. A year and a half later when I finally figured out they had been using the credit card account without my knowledge, they told me I could go in and reconfigure the web page to see the credit card. This is very misleading and seems like a ploy to push credit cards and then load them up so the bank could make interest on any type of fee or overdraft transfers. This is not right, they ended up charging me {$160.00} in fees for {$150.00} in transfers. Every time they did this, I had plenty of money in my SAVINGS ACCOUNTS. There never should have been any reason to use the credit card. To make it more confusing, they would transfer money from the savings accounts periodically, but not all the time as I had requested. I am sure someone had some sales goals and they just wanted to make money off the credit card interest. The top guys with Wells Fargo should go to prison for what they did and the XXXX people they fired should get their jobs back because they were just following orders. I left Wells Fargo and went to another bank. I have my savings accounts set up to draft any kind of protection to my checking or debit card checking accounts. The new bank I am with now, gave me a debit card and a credit card and if I use the credit card IT SHOWS UP ON THE WEB PAGE so it is fully transparent and there is no " sneaky '' credit card fees or transactions that I am not aware of. At one point when I finally figured out what was going on, I brought this to there attention and they did n't seem to care at all. Now I started case number XXXX and again after sending out letters saying they were looking into it, they sent me a denial letter stating that somewhere in the stack of paperwork they made me sign in order to open the account, there was a line that gave them permission to do this, even though I specifically set up the savings accounts and specifically requested that they use the savings accounts and HAD MONEY IN THE SAVINGS ACCOUNTS. These bankers should go to prison.
I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.
I contacted all XXXX credit bureaus, by way of certified mail on XXXX/XXXX/16, asking them to remove public information which IS NOT reported directly to them, but that they are receiving through a third party. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax has found information on previously stated Tax Lien 's through third party research. 

I 've asked that they please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

XXXX was the only bureau to delete the information. Equifax and XXXX sent letters in return, but failed to provide the information I requested. 

I am requesting help on this, as this reporting is hurting my financial ability to borrow/puchase, and my good standing with institutions.
I received a letter in the mail today with a credit card attached. It came in a regular white envelope and informed me that I need to activate my account through XXXX. It states there is a 0.0 % introductory offer. It gives a phone number to activate the card. The available credit is {$150000.00}. It states the member since XX/XX/2016 and valid through XX/XX/2016. On the back of the card there is nowhere to sign the card and there is also no CVV number. It offers a phone number or website to activate the card. There are two names listed on the card.
Sent letters to Experian disputing the inquiries on my credit profile. Experian could not provide proof with my signature signing up for any of theses creditors services. All of the following inquiries are inaccurate and unauthorized : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
It is 2 years I'm trying to fix my car loan paid off issue, wrong credit reporting, and over-charged refund with Wells Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the Wells Fargo 's of the President. 

I bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with hidden issues, not knowing it was a on finance from the Wells Fargo. I was charged {$16000.00} XXXX plus with a huge down payment to pay in 5 years, but refused and objected to pay it in 3 years which I did. 
In the process of paying, and getting closer to finalizing my payment, Wells Fargo began to add unnecessary charges into my account. In an instant, they added {$1100.00} to my account without any my prior information and approval. On several calls for better reasons and information from Wells Fargo, they kept rejecting calls, and lots of hanging up calls, and direct to voicemails, even to make payment becomes a problem getting live person. I finally succeeded in paying off the loan and the over charge balance all in the about of about {$2300.00} in a single payment with the agreed period.Dealing with WFDS gave me a very bad experiences with the Wells Fargo Dealership Services. 
After paying off, getting my title became another big issues, and finally got a copied title that was still in Wells Fargo 's Name. 
My Credit Bureau profile as of XX/XX/XXXX is still showing Paid, Closed, {$1800.00} written off. I have filed disputed with Wells Fargo to clear up this issues of erroneous and over-charging of my account, poor reporting, and Refund my {$1100.00} which they later claimed was for insurance of which I had personal insurance. All I am asking is correcting their mistakes, treating customers as they deserve, and refunding my over-charge {$1100.00} which is part of their poor reporting to the Credit Bureau as written of, it wasn't part of the load, it was my account over-charge payment of which has taking them over XXXX years to clearly account for, their promise to refund my over-charged payment should be swiftly acted upon.
I fell behind after starting my own business I fell into foreclosure but fully reinstated and I was on track again. Few months past and I got injured working mind you I am running my business alone. I fell behind on my payments the house went into foreclosure I kept saving money to reinstate. I applied for a workout packet to see it I qualified for a loan modification or some sort of assistance. Well in the interim a sale date was placed on the house so this now becomes a very time sensitive matter. I sent in all required information even though I was after the dead line of 10 days before sale the mortgage lender made an exception to review my packet. I spoke to a few representitves after they has a complete packet and I stressed the fact I did not want to lose my home and that I can reinstate I wanted to wait to hear wether or not they can help me in a workout plan. Well Thursday before the sale on Monday I was told to relax your house is not going to be sold we will put a hold on the property as we review the packet but come to find out they never did the house was sold and no one contacted me until after the sale saying I was denied any assistance or loan modification which I clearly asked to be notified asap but then it gets better, the Monday of the sale in my mailbox is the letter of denial backed dated for XX/XX/XXXX saying I was denied which in they knew on XX/XX/XXXX how come when I called they said it was still in review i did n't need to worry and to go have a drink or a nice dinner and relax your house is safe and someone will be in contact with me once they review the packet. So now come Monday my house is sold, I was given false information which would have saved my house from the sale and i would have reinstated if I would have known on XX/XX/XXXX or XX/XX/XXXX when i called that I was denied and everything would be fine and everyone would be happy. I called to see what we could do to make this right and they say nothing we 're sorry. So I am taking further action before the transfer of the deed to try and reinstate and save my home, my credit and my image as a man. I believe they dropped the ball, and misinformed me and gave me false information to stall and let the sale take place to just be done and that was n't fair to me in anyway because i have the money it just so happened I fell into a bad stroke of luck and now I 'm recovered and doing well so why could n't this be handled in a different matter
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
To whom it may concern, We are currently trying to have a subordinate lien removed from the title on our home. 
It was placed there back in XX/XX/XXXX. 
We had fallen behind on our mortgage when my husband lost his job. 
We were told that it was just being added to the backend of our loan and only became aware of the lien last year when we tried to refinance. We later got on track and about or around XX/XX/XXXX our loan was purchased by Bank of America. 
We had been struggling to make ends meet and inquired about doing a modification on our loan with them. 
They said the only way to do that was to stop making our payments. 
So reluctantly on their advice we did. 
We were told we would receive documents to start the modification process soon. 
We waited and called to follow up weekly. 
We were told to be patient that there were a lot of loans being modified and they were on overload. 
Several months in we became scared of going into foreclosure. 
Still no modification paper work. 
At this time we got help from family to get caught up and called BofA to cancel the modification. 
Again we were told we would receive paperwork and never received anything. We later discovered that in XX/XX/XXXX BofA did a forgiveness for all the people that had fallen behind due to their failure of completing those modifications. 
We believe we should have been part of that forgiveness. 
We have pursued this with them multiple times. 
They said the reason we were n't included is because we were n't behind on our loan at the time they did the forgiveness. 
We feel that it is completely unjust that they are penalizing us because we tried to do the right thing! 
They promised us the modification that never happened! 
We have been in our home for 20 plus years and have no intention of selling! 
We feel that BofA should have included us in this forgiveness and had the subordinate lien lifted from our home. 
They said a company named XXXX had to lift it. 
In contacting XXXX they said BofA had to do that. 
So it 's been a ping pong game for the last year! 
We feel completely mislead by BofA and strongly feel that they need to rectify this situation. 
Our loan was with them at the time they did the forgiveness and we were completely cheated out of that opportunity to start with a clean slate. 
We have been wanting to refinance to try to consolidate and possibly lower our monthly payment. This subordinate is holding us back and we need help!!! Please whatever you can do to lead us in the right direction would be greatly appreciated!!! 
I have done a lot of research and it seems that we are not alone in being mislead by BofA. Please help us to right this wrong!!
Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !
Experian continue list XXXX different collection accounts from XXXX XXXX XXXX on my credit report which are not mine.There is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.
In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX
My XXXX account alerted me that CBNA open new account. 
The date stated the account was opened XX/XX/18 but I just received the alert today XX/XX/18 I havent contacted the company because Ive read a lot of the reviews that they make a lot of mistakes an errors on there behalf so I came straight to CFPB to handle the issue.