WillisBack/dataset-financial-user-claim huggingface dataset:
A. In XX/XX/XXXXBank of America & 4 other major American Banks agreed to the National Mortgage Settlement ( NMS ) with 49 state attorney generals & Department of Justice ( DOJ ) under XXXX XXXX, Bank of Americas contribution was {$17.00} Billion good thru XXXX, monitored by XXXX XXXX a XXXX lawyer, in exchange BofA formally agreed, admitted : # 1. They knowingly misled the government and public about the value of toxic mortgage securities and # 2. Cease their previous illegal foreclosure practices. This agreement provided true principal reduction relief to struggling homeowners with a fixed 2 % P & I mortgage interest in exchange BofA would receive a {$2.00} credit write off for every dollar forgiven of mortgage interest, property taxes & insurance. I had 3 properties with Countrywide/BofA in some stage of foreclosure at the time & chose to resolve only 2 of the 3 properties thru this excellent program so why did they leave the 3rd property ( this one ) hanging with no written offer or resolution? nevertheless my 3 property arrears forgiven on their accounting books thru the NMS agreement. <P/><P/>B. Around XX/XX/XXXX i started a mortgage modification with BofA assuming it was the 2 % P & I with forgiveness they had agreed to & were suppose to be applying instead process dragged on for 3 months with piles of personal financial information requested while knowing they were trying to transfer the servicing & were never going to complete mod instead transferred service to XXXX who approved a mod in XX/XX/XXXX that added {$110000.00} to my original principal balance of {$130000.00} for total of {$240000.00} on a home worth {$140000.00}. How does this modification help? what a joke on top of it XXXX established an escrow account without my consent while threatening to foreclose since i will NEVER sign their illegal predatory permanent modification in its current form. I do continue to make my mortgage payments however in hope this is corrected. <P/><P/>C. How is this fair to borrower? The current modification environment forces you eventually back into foreclosure if you sign the permanent modification, it does not resolve the problem but temporarily delays the situation.
We are trying to buy a home and when pulling our credit report it is showing AR Resources , Inc 9 times with Medical Health Bills. It is from XXXX XXXX when my husband was in last year. The amounts range from {$61.00} to {$560.00} Totally just over {$3000.00}. They each have different account numbers. My lender told me to pay the smallest ones and work my way up and they would come off as I pay them. And our score would improve each time. I paid 2 payments and they did not drop off. When I called I was told they could not take those two payments off of the credit report until it was all paid in full. I asked why they did not have it as one account then and one payment. He said that is how it was sent to them. So I asked again then why when I pay off one acct payment why that one still shows up when it has been paid. They are taking my payments and spreading them though the whole amount and not paying off each account separately. I have called our insurance company XXXX and they said they did not understand why it was that way on our credit either because it should been one lump amount not several small amounts. They are not even sure if those bills were ever sent to them for review before they were sent to a collection agency. When I had them check the amounts to what they were billed they do not see these amounts. I have also asked the AR Resources if we can settle for a lesser amount to get it all off of our credit and they have told me no. They can not. It needs to be paid in full. Which now we owe {$2900.00}. I aIso have a bill from the hospital which shows some of these same amounts saying we were uninsured. Which is not the case. So thinking some of these were never sent though the insurance. I have asked for an explanation of the bills that were sent so that I can check the dates that were billed, they said they will be sent but could take up to 30 days. There are also duplicate amounts on there that seem to be the same. I have called the Insurance commission but since it is not an insurance problem more of a collections agency problem they gave me this email to file a complaint and said you may be able to help me with it.
I have encountered a serious problem with my escrow account with Home Point Financial, Mortgage XXXX XXXX. XXXX. This loan settled on XXXX XXXX, 2015. 
I was notified on XXXX via my Annual Escrow Account Disclosure Statement that my escrow account was short by {$1700.00}. The loan is not even XXXX XXXX XXXX yet, and there is a serious shortage. 

Home Point states that even if I pay the shortage, my monthly mortgage payment will increase from {$1400.00} to XXXX. This will create a serious hardship on my ability to pay my mortgage. 

I contacted my Loan representative XXXX XXXX, Home Point Financial, who researched this problem and informed me that XXXX XXXX XXXX XXXX XXXX XXXX failed to include the City of XXXX XXXX XXXX in my mortgage loan and that has resulted in this serious shortage in my escrow account. 

Because of this failure by XXXX XXXX, I have been placed in a serious financial hardship with my mortgage. 


The loss I will suffer from this mistake is as follows : {$1700.00} escrow shortage {$1500.00} additional amount required in monthly mortgage payment for 1 year ( New loan amt. {$1600.00} - old loan amt. {$1400.00} = {$120.00} * 12 ) {$3200.00} Total loss
XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.
Transunion is reporting an account for XXXX XXXX that is over 7 years old in violation of the Fair Credit Reporting Act. The account was discharged in chapter XXXX bankruptcy XXXX 2003.
Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.
Sent via mail on XX/XX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, Transunion, XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!
On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, AND XXXX.
Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     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    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   XXXX    XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX
I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.
I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Navient is charging an exorbant amount in interest to their borrowers, making it almost impossible to pay off. Most of them will take 10+ years to pay off. I can not afford to pay that much interest simply because I chose to get a college degree. It is not fair to students to have to pay this much interest.
I took out XXXX students XX/XX/XXXX from Navient. I deferred them for 18 months and have been a perfect pay ever since. The original balance was {$37000.00} and XXXX. Today they are {$59000.00} and {$60000.00} with perfect pay record? I have paid them over {$50000.00}. They adjust my payment annually based on my compensation. They even recommended I sell my car so they can raise my % rate by XXXX. Please let me know what I can do to protect myself.
On XX/XX/2016 I received a letter from JPMorgan Chase Bank N.A . ( Chase ) stating that servicing of my mortgage loan will be transfer to XXXX XXXX XXXX effective XX/XX/2016. This was only a few days notice, not the 30 days as required by law.
I was listed among the potential list of individuals whose information may have been accessed as part of the security breach at Equifax. I am not a recurring customer of Equifax 's so they presumably had my information from the annual free credit report as mandated by the FTC. It seems extremely irresponsible for a consumer credit monitoring company to have put hundreds of millions of consumers ' sensitive information at risk through negligence in the way they seem to have done.
The company is called XXXX XXXX XXXX and the associated phone number is XXXX XXXX XXXX XXXX. 

The person name is XXXX and she has called many third party contacts in regards to my account. The following below is who she have contacted : XXXX my neighbor on XX/XX/XXXX XXXX my mother on XX/XX/XXXX My employees at our help desk on XX/XX/XXXX The phone calls are excessive to the rate of each hour.
I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?
Made payments, verified taken from bank account, and never showed up towards loans on XXXX XXXX website. They are stealing money.
My wife is going through the exact same thing!! 
I called on XX/XX/XXXX, to close my acct. We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed on XX/XX/XXXX. Moreover, we stopped using the account months before the fee was assessed. Amex said we 'd have to talk to a supervisor but she was unavailable. We left her a vmx. No response. 

All we want is to close our acct in good standing with a zero balance. Amex thinks it 's fair to charge an annual fee of {$95.00} for a card we have n't used in months simply b/c we called XXXX days after the fee was assessed on an acct we do n't use. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
Bank of America Prepaid Credit Card. Closed my Account and took Prepaid Money to open the Prepaid Credit Card. I was told when I opened the Account with Bank of America after one year I would be issued the new Credit Card that wasnt Prepaid. They closed my account after the year and took the money I put down for the Prepaid Credit Card
This letter is regarding XXXX Citi Cards Card XXXX : XXXX Card XXXX : XXXX A charge was report mistakenly as Fraud on XXXX/XXXX/XXXX. This charge paid a vendor called XXXX *XXXX under Card XXXX on XXXX XXXX, XXXX for {$1200.00} Citi Bank cancelled/closed Card XXXX and Issued Card XXXX. 

During the cancelation/closing period of Card XXXX, the vendor XXXX did returned the charges to Card XXXX for a credit of ( XXXX ) Attached please see the Transaction ID XXXX from XXXX on XXXX/XXXX/XXXX. This is confirmation that XXXX did refund Citi bank for the charge dated on XXXX XXXX, XXXX for {$1200.00} As soon as I received Card XXXX, I had to pay for the services of XXXX for {$1200.00} This took place on XXXX/XXXX/XXXX Payment to Citi Bank was issue under the following for the charges of Card XXXX for {$1.00} charges made on XXXX/XXXX/XXXX : XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$220.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$1200.00} Why is Citi Bank not acknowledging the credit issued to them on XX/XX/XXXX.Transaction ID XXXX from XXXX ? 

Why am I being charge twice? 

Do I need legal counsel to correct a mistake Citi Bank has made on my credit? 

Did Citi Bank provided XXXX payment to XXXX. Why? or you ca n't find the returned from the vendor. Where was this credit posted to. 

Is this a case of XXXX? XXXX Florida XXXX XXXX that helps XXXX people with company as such Citi Bank. 

Do I need to report Citi Bank to the XXXX? 

Govern yourself accordingly and do your duties in locating Transaction ID XXXX from XXXX returning ( XXXX ). 

Thank you, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$470.00}
Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.
XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling Transunion and XXXX the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!
Capital one charged me an annual fee on  XX/XX/XXXX . The fee was for {$39.00}. I tried to contact them in order to inform them i wouldnt be able to pay it due to college tuition amd expenses. They refused to help. I been a customer since  XXXX .
I have sent multiple letters to Experian requesting proper validation of accounts listed on my credit report. Experian has blatantly ignored these requests. The accounts on my report keeps coming back as verified but I as the consumer have not provided with one shred of validation or verification documents which I specifically request in said mail correspondence. Under the FCRA I as the consumer am legally entitled to view the documents used in this investigation. My correspondence to Experian were sent via certified mail and proof of delivery is hereby attached below. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said accounts be removed from my credit reports and a updated copy of my credit reports with the items deleted be mailed to my mailing address. Thank you for your advanced cooperation.
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on Transunion since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.
I sent a letter to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX