WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.
1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.
I received a modification in XXXX. During that same month and the next month I had several huge unexpected expenses : medical care for my dad that was diagnosed with XXXX XXXX, water leak that caused my water bill to skyrocket to almost a XXXX dollars, college expenses for my daughter, repossession of my car which I had to get back to go to work and I underestimated my monthly expenses when I applied for the initial modification. I am now behind XXXX - present and my mortgage company wo n't help me. filed XXXX in XXXX but my attorney provided them with paperwork to be able to make arrangements with me on my mortgage. I was told several months ago that I did not qualify for a streamline modification because at the time my mortgage was not over 90 days behind and that if I had not have filed ch XXXX in XXXX, they could have put me on a payment plan.That 's contradictory because a modification is a pymt plan. I have appealed my denial but to no avail.
Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.
On XX/XX/18 I purchased a XXXX recliner. Their Sales Associate, offered me a 14 % discount if I opened a credit account. So I agreed, and purchase several other items as well. The paper bill arrived on XX/XX/18 and it was paid in full on that very same day, online, via my Bank. 
Sometime later, I used my credit card again, to purchase a gift for a friend. I dont remember what date that was, since Ive never received a bill for it. And since I never received a bill, I totally forgot about it. I was made aware of it, when I received an email on the evening of XX/XX/2018. I called the number indicated, but the offices were closed. I called back the morning of XX/XX/2018, and was told that I owed an overdue balance of {$100.00}. which was a total shock to me. That amount was the total cost for a {$49.00} purchase and two months of late fees. 
Well, I never received a bill. Apparently, the e-bill went to my Spam folder and disappeared after a few days or so, because I never open spam mail. I never received a late notice in the mail. And I never received a courtesy call notifying me of an overdue bill. I had no idea this was going on. As soon as they made me aware of it, I paid the {$49.00} that day online, via my Bank. I called the Credit Department back again, yesterday, requesting that they remove the late charges and the 30-day delinquent post on my credit history ; they agreed to remove one of the late charges but were unable to remove the delinquent post. So I immediately paid the remaining late charge of {$22.00}, and my account is now paid in full. I was directed to contact their credit department in writing to dispute this erroneous delinquency, and request the removal of the 30-day delinquency of my account. All of this has been a result of miscommunication, as I would never intentionally NOT pay a bill that I owed. They have flatly refused to do so.
XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on
First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.
I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past bankruptcy case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. XXXX and Experian said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date Bankruptcy  file number Bankruptcy plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin Bankruptcy court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the bankruptcy court does not report to the credit bureaus nor is it mandatory to have a bankruptcy listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization.
On XX/XX/XXXX I accidently made an electronic bill pay payment in the amount of {$1200.00} to AMERICAN EXPRESS instead of XXXX XXXX XXXX. The {$1200.00} is my 6 month payment for auto insurance. I caught my mistake on XX/XX/XXXX the day it posted and cleared my bank account. I called AMERICAN EXPRESS right away and explained what I did and they told me that I needed to call XXXX XXXX because XXXX took over the old XXXX AMERICAN EXPRESS accounts. I called XXXX and they told me that the payment I made went to AMERICAN EXPRESS and that XXXX does not have access to AMERICAN EXPRESS bank accounts. I called AMERICAN EXPRESS back and finally got ahold of a customer service person ( XXXX ) who told me that as of XX/XX/XXXX any payments made to the old AMERICAN EXPRESS accounts would be reversed and sent back to the customer within 3 to 5 days. On XX/XX/XXXX I had not received my credit balance payment back from AMERICAN EXPRESS and called them back ( it had been 10 days ). I was again told I needed to call XXXX. 
I went to my bank and turned my problem over to them and they got me on a 3 way call with AMERICAN EXPRESS and we could not get AMERICAN EXPRESS to help us ( me ). My bank did get a fax number and faxed over proof that payment was made to AMERICAN EXPRESS and that they needed to send the {$1200.00} credit payment back to me a.s.a.p. During the 3 way call, my bank asked to speak to the supervisor of the bill payment center and we could never get a supervisor to ever come on the phone. The last correspondence was with a supposedly supervisor who said we had a bad connection and hung up on us. I told the back that we would give it a couple of days to see if we could get a response back from AMERICAN EXPRESS. 5 more days have passed and I have not heard back from AMERICAN EXPRESS or my bank. 

It has been 18 days since making the accidental payment and I can not get AMERICAN EXPRESS to open an investigation and send my payment back. When I use the automated system for AMERICAN EXPRESS it states that I made a payment for {$1200.00} on XX/XX/XXXX with XXXX balance due. Yet, when I talk to a " live '' person they say they can not see my account? Once AMERICAN EXPRESS sees that I made payment to their bank on a closed account and they do not have anywhere to post it, it should be clear to them that the money needs to come back to me. 


I need HELP getting this cleared up with AMERICAN EXPRESS. 


Thanks,
I got a call from XXXX on XX/XX/XXXX, Employee ID XXXX contact XXXX or XXXX. Case number XXXX. That if I did n't pay the full amt of {$1400.00} or {$340.00} that there would be fraud charges filed. I told him that I called XXXX the day the check was due and spoke with the location manager, and told her that I would be in on XXXX to pay the check because I was still at work. She told me she was going to deposit the check no matter if the money was there or not.
For the past 3 months, I've been getting upwards of 10 phone calls a day from Allied Interstate regarding a group of private loans. Since my mother is a co-signer, she gets the same amount of calls, too. They come from both of these numbers : XXXX XXXX Because I work with a financial planner, I told the rep about two weeks ago that I would need time to download all of the information with her before deciding to move forward. Still, I am getting non-stop phone calls. They've also threatened to garnish my mother 's wages for payment without any explanation as to why or how they can do this. Upon further research, I discovered that this company is known for harassing customers and would love for them to stop. I've also asked them to at least decrease the amount of times they call a day and they have not.
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted Equifax and XXXX as well as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.
Don't let the public intervine with business or accounts XXXX XXXX XXXX paid for
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, XXXX and Experian are reporting things against me they can not substantiate. 
What can I do?
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Ocwen Loan Servicing is committing fraud against me. 
XXXX XXXX Sheriff Case Number : XXXX See evidence attached. 
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