WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, i had two police traffict tickets for XXXX XXXX XXXX XXXX XXXX XXXX : the first ticket was inXX/XX/XXXX or XX/XX/XXXX and the second police ticket was at the end of XX/XX/XXXX or beggining of XX/XX/XXXX. Now i received a letter from the company i applyed to work with that my criminal record it is still available or funtioning from XX/XX/XXXX until XX/XX/XXXX and the criminal report does not specify that was a XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX. The job fair that i attended was organized by the career source of XXXX XXXX  where i was attending since XX/XX/XXXX because i am receiving economy monetary support of XXXX dollars monthly, but had many bad experiences while speaking with the persons that work at this office call : the career source of XXXX XXXX  locate in the city of XXXX. My first infraction ticket was in XXXX XXXX, XXXX, in XX/XX/XXXX or XX/XX/XXXX and the second ticket was in XXXX, XXXX. And in the paper report says that both tickets are name as XXXX  and XXXX. I think that one of the tickets was a XXXX   and not a XXXX. If you can help me with this criminal recorf that i have that i was denied employment offering by the XXXX XXXX XXXX and the work interview was inside of one of the offices of the career source of XXXX   XXXX  that are suppuso to help you find work but in my personal opinion it is a waste of time because they let private companies do whateber they want with persons trying to find a stable work. Thank you for reading my letter and personal concern.
In XXXX of 2018 I applied for a loan modification with Bank of America. I was denied the modification as they said they could not confirm my residency in spite of my sending multiple documents showing I lived on the property. The modification was requested as we were having financial difficulties due to my husband 's illness. As we were significantly impacted we had to move in with family for a time but kept our home. Once he was better and our income stabilized we moved back into our home. This was all explained in detail to B of A. 

We came to find out that the bank initiated the foreclosure process even though we were in the process of trying to get our loan modified. We live in California and this is illegal according the the California Homeowner Bill of Rights. 

We then were charged fees associated with the foreclosure! If it's illegal to begin foreclosing on a home while attempting to get a loan modification, then it's also illegal to assess the homeowner fees associated with the foreclosure.
I disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX Date Opened>>> XX/XX/2013
I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
Im writing to express that my foreclosure need to be postponed and the assignment filed in  XXXX   XXXX , Georgia need to be investigated for fraud. The servic er, Select Portfolio Servicing has  been informed several occasions prior to  XXXX   XXXX ,   XXXX   that the loan was transferred illegally through the assignment. A  Qualified Written Request ( QWR ) and Proof of Claim surrounding the mortgage loan was sent to the servicer and they are   claiming that that they never received my documents. Thats the reason why Im sending it through the CFPB.   The servicer refused my payment after I became 30 days late. They are trying to take my house and not acting in good faith. I want to keep my home and requesting a postponement and hopefully obtain a forbearance.
Professional Adjustments is representing XXXX XXXX in collection of a doctor 's bill. They will not cooperate in correcting this error. They reported that a bill for {$320.00} is owed. It appears on my credit report and is very damaging. I do not owe the bill and when I called them they said they did not place it in collection, although it is their name, address and phone number referenced on the report. Their rude, ignorant attitude is unbelievable because they will do nothing to correct the situation XXXX call credit bureau ). It is causing havoc in my life as I am buying a new house and will cause a higher rate if not corrected. The physicians who use them should realize the horrendous customer service they provide.
I noticed on XX/XX/2018 from XXXX credit report, two credit card accounts issued by Bank of America, which I did not open nor authorize. One of them has a balance of {$9900.00} but XXXX   credit report does not show the account number that I can track. I notified on XX/XX/XXXX to Bank of America Fraud Dept. that I am a victim of identity theft and asked for investigation. Bank of America could not locate these two accounts using my correct full name, social security number, birth date, nor the address. Bank of America told me I need to rely on XXXX for providing full details of fraud accounts to Bank of America to resolve the issue. I have so far disputed this fraud accounts to XXXX, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
every investigation equifax does takes over 30 days. had this issue for ten years now. ongoing everytime I submit a dispute now..90 days plus ... no notice and no explicit reason given for the unverifiable dispute to take so XXXX long. If things can not be responded to in 30 days then they need to be purged- no bureau is willing to purge wo a lawyer breathing down thier neck. 

XXXX, XXXX XXXX, XXXX, XXXX CAN NOT BE CONFIRMED. they ttok 90 days to reply to me after begging, XXXX XXXX over 9 mos. XXXX also needs to go away. no reply over 6 mos from me alone. XXXX XXXX accounts are still showing after they " removed them '' as fraud and claimed I owed nothing. I am still 6 mos later waiting for a refund from XXXX XXXX. They refuse to comply and seem to run a " home office '' to harass people about debts not owed. I want my {$550.00} back.
Ocwen Loan Servicing , LLC took over our mortgage, and life has been a nightmare ever since. Every few months, Ocwen raises our monthly fee. We do the best we can, working as many hours as we can, to pay the ever-increasing mortgage rate. One month, our bank ( XXXX -- another corrupt institution ) bounced our online payment after re-organizing payments, which XXXX does all the time, and which makes it impossible to know how much money you have. Since then, we have been a couple of weeks behind on Ocwen, considering that our mortgage is now more than {$1000.00} higher than it was a couple of years ago. In good faith, we have struggled to pay this rate, doing the best we can to stay current, despite having NO money left over to feed our kids sometimes, put gas in the car, or pay the electric bill ( all of that good stuff ). Despite repeated mailings and faxes to Ocwen, their Research Dept just doubles down, arguing that the rate is correct ( and then raises it more!! ). Either this is an evil conspiracy to steal the homes of hardworking Americans, or Ocwen is so inept that one department can not communicate with another. We expect it 's a bit of both. DO NOT do business with Ocwen ; we want to run away from Ocwen, but Ocwen has RUINED our credit and made our lives impossible. We have written to the Ocwen CEOs ; we will go public to the highest levels, if necessary, to expose these shady business practices.
On XXXX of this year, while the sale of our prior home was still pending, my wife and I closed on our current residence, and entered into a mortgage that we understood would be owned or administered by Branch Banking and Trust Company ( BB & T ). It was our intention to use the bulk of the funds from the sale of our old home once received to reduce the principal balance on our new one. Wanting to keep some funds in reserve, and knowing we would soon make a major principal reduction, we only put 10 % down on our new home, and accepted that we might have to pay PMI for a few months. Our closing documents indicated that we could eliminate PMI by reducing our LTV below 80 %. Our old home sold, and on XX/XX/2016 we made a principal reduction payment on our current mortgage in the sum of {$110000.00}, which by BB & T 's own calculation brings our LTV to 60.3 %, and on that date in conversation with BB & T 's mortgage service center personnel, requested PMI be removed. That request was rejected, and we were told that a history of 24 months of timely payments on the mortgage was required under BB & T " policy '', irrespective of the fact that we were now significantly below 80 % LTV. Following that verbal conversation, we received a letter ( unsigned ) from BB & T dated XX/XX/2016, confirming BB & T 's position. 

We have requested the removal of PMI in writing, have made all mortgage payments from the inception of the loan on time, and have reduced the LTV to 60.3 %. The property has not declined in value in the short time since we closed. We believe that BB & T 's refusal to remove PMI from our mortgage, and refund any PMI payments held in reserve, is contrary to the provisions of the Homeowners Protection Act of 1998, and note that BB & T 's stated policy of requiring 24 months of payments regardless of LTV, is not permitted under the Act, as expressly stated in CFPB Bulletin 2015-03.
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.
We are in foreclosure with a TS sale date. I contacted Wells Fargo bank on XXXX2016 to request a modification and was forwarded to their home preservation department. The representative informed me that they have to transfer me to their RE-ENTRY department because of the upcoming sale date to apply for a modification. We faxed in the documents that they provided which was a form called UNIFORM BORROWER ASSISTANCE FORM. I faxed in the form along with all required documents that same day. I called later that day to confirm that they did receive our documents and they had. I called the following day only to be told, that the form that we had completed was the wrong form and that the investor for my property requires a MAKING HOME AFFORDABLE ( RMA ) form. We faxed the new documents in on XXXX XXXX, 2016. They informed me that in the Re-Entry department that it goes through a 1st level and then a 2nd level review. I called daily for a status and continue to get the run around. We sent in a utility bill in my husbands name and then when I called for a status then they wanted a utility bill in my name. The bill that I sent in my name had my XXXX XXXX on it but the service address was to my house. They did n't except that. So on XXXX/XXXX/2016 I spoke to a supervisor about sending in a monthly car insurance bill with my name and my husbands name on it, he approved it. When I spoke to them on XXXX/XXXX/2016, I mentioned the CFPB and the California Bill of Rights and stated that because it 's in review that they must postpone the sale date, it was then that they informed me that we are not in an active modification review. They must complete the review in the Re- Entry department and then send it to the home preservation department for review. When I spoke to them on Saturday morning XXXX/XXXX/16, they said that the insurance proof was an issue again. I spoke to another supervisor about it and she said that she will send the first supervisor who approved it and get confirmation from him because it 's not in his notes. It is one stall after another. They are trying to still our house.
In XXXX I purchased a new home. It was a foreclosure that needed a ton of repairs as it had been vacant for almost a year before. I went to Home Depot to try and obtain a " XXXX XXXX '' to hopefully be able to afford the things I needed. Unfortunately they did not approve the loan but a member of their prodesk said that they could sign me up for a credit card that had a high enough limit to purchase the things that I needed. We walked to the front and went over the pertinent info : name, work info, social, etc. They approved me for a {$5000.00} credit card, so i purchased a full kitchen suite and flooring for the new house, maxing out the card immediately. A month goes by and I returned some products so I went to check the balance of the card to make sure they cleared and made a small payment. A few days later I received a call from someone from Home Depots credit card service asking about unpaid invoices. Not sure what they meant, I asked what the invoices were about and they named the items that I had purchased. I told them I had made a payment online a few days prior which they confirmed, but then they informed me that the card I had signed up for a was a " paid in full account. '' Something that had never at any point been disclosed to me. Had it been disclosed, I never would have spent all that money. I have made every effort to work with the XXXX to have this line converted to a revolving line of credit however they were unable to approve the change without opening a new line of credit, then transferring this amount to the new card. However, when they tried to do that, I was ineligible DUE TO THE BALANCE ON THE EXISTING CARD. I 'm not sure what to do now. they have been reporting to credit bureaus monthly for the last few months as late payments because the entire balance of the card has not been paid. My credit score has fallen nearly XXXX in that time to XXXX and the entire {$5000.00} amount will be sent to collections after 120 days. I attempted to work out a home equity loan with my bank to try and pay off the debt with that, however was unable to because of my credit score and the length of time since my last credit line was opened. So in essence, I am unable to access the equity in my old townhouse ( ~ $ XXXX ), which would only be used to consolidate existing debt due to my newly lowered score and my newly existing debt. I do n't know where to go from here. I 've tried to work with the store and the credit company and neither XXXX is capable or willing to help. All I want to do is make payments on the card that I was not fully informed of the terms for. I never would have signed up for the card had I known it would have turned into all this. I 've always been a Home Depot shopper, but they are on the verge of losing a customer for life.
I received notification from XXXX that a new account was sent to collections. After reviewing the account, the account is not mine, I do n't recognize that balance or that company.
On XX/XX/XXXX i called bank of America customer service number to ask for my account number because i was on my way to file my XXXX taxes. After weeks went on i noticed i didn't get my money back. I called the IRS and they said the money was deposited in the account. The number the guy on the phone gave me was the wrong account number. I went to bank of America and they send me to the IRS and the IRS sent me back to bank of America, this back and forth went on for months. During the time i found out i was expecting a baby. The IRS told me that its bank of america 's duty to inform the account holder that the wrong amount of funds was deposited to he or she's account but bank of america said they cant say anything. I looked into hiring a lawyer but the lawyer said their fee would cost more than the amount of money i was trying to get back. Needless to say i lost my whole tax refund that year all XXXX dollars. The bank of america rep that i spoke to said i could've never got the number from one of their workers. This situation took a lot out of me at the time emotionally and physically. They were inconsiderate and lack empathy. I have never had my tax refund direct deposited since because of fear that this might happen again. I would appreciate any help or information that you guys can offer on this matter. 
Thank You
I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer.
I pay XXXX XXXX for my old Walmart account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit
XXXX XXXX. It is a car loan finance company,, I had a lemon car in XXXX which had power steering fluid issues after purchasing the vehicle. I never knew this until the XXXX XXXX started to give me problems. Then I went back to the dealership XXXX XXXX XXXX XXXX That car was traded off for a XXXX XXXX XXXX which included high interest rates and also a fradulent credit application. The application was lied on which made my car notes extremely high.
I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program. 
Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank. 
Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.
New York Community Bank - Avoid them if you can. 
In XXXX, I had a water leak in my home which ruined flooring and cabinets in my kitchen and leaked into the room below XXXX my kitchen is on the second floor ). My insurance company dealt very satisfactorily with the claim and agreed to all the repairs that were needed. They sent me a two-party check for over $ 16K, made out to me and New York Community Bank XXXX my mortgage company ). I mailed the check plus other documentation to New York Community Bank on XXXX XXXX - and have yet to receive any release of funds. I had to pay 90 % of the cost of new kitchen cabinets in advance ( they took XXXX weeks from time of ordering ), which is standard practice. All the kitchen cabinet places I got estimates from said they expected 90 % of the cost upfront. My cabinets have been installed and I 've paid for them in full. I 've also paid for repair to my downstairs room, plus some repair in my kitchen. I 've sent receipts, waiver of lien, contractor taxpayer ID to New York Community Bank. New York Community Bank sent an Inspector to my home to report on the repairs. It took the inspecting company XXXX days to submit the report to New York Community Bank, which states that 70 % of the work has been completed. Every time I call to request a status on payment back to me, there is some excuse not to send me a check for the money I 've already paid. There is either missing paperwork, or an exception has to be put in since I 've already paid for the repairs, and their check to me needs to be made out to me only ( not to me and my contractor ). 
I 'm at my wits end dealing with New York Community Bank. I 'm trying to find out the email address of their CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tell him of my disastrous experience. I have a legitimate insurance claim, fully approved, and New York Community Bank expects me to pay for my repairs without sending me any funding. I now have interest owing on my credit card all due to New York Community Bank 's refusal to release my own funds to me. I 'm unable to get my floors repaired and sink replaced as I 've run out of my own money and need my funds in order to complete the work. It 's as if New York Community Bank expect me to personally fund all the repairs, no matter what hardship this causes me - and then they 'll reimburse me, at some stage, when 100 % of the work is completed. MY understanding is that the insurance approved the claim and provided the money to FUND the repairs - it should not be a REFUND. New York Community Bank shows no concern over the fact that I can not use my kitchen, and the huge inconvenience I and my family have to go through each day. I am current on my mortgage payments ( never been late with a payment ). Yet New York Community Bank have been holding my funds for over XXXX days, with no status as to when they 'll release even a portion of them. 
I would not recommend New York Community Bank to anyone based on my experience.
Equifax is incorrectly reporting my credit history. My equifax credit report shows someone else in my credit history.