WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment.
Capital One has charged me again for an annual membership fee. I got a letter from XXXX XXXX who advised me I would not have this fee on my credit card. I had to cancel my card for I did not recognize a charge on my account - the credit card company took this opportunity to charge me for the annual since I had to get the new card. I am highly upset about this. They also charge me for a late payment fee when I paid the bill. The payment has not go through since I had to cancel the card. I was out of the country taking care my sick relative. It is so sad to have to come back to bogus charges. I already have too much going on. The company also rebilled me for a charged that was disputed for {$13.00}. The company claimed I received credit from the vendor but I had XXXX charges from XXXX for the same amount - I never received credit for the second. I am so upset with the credit card company.
As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.
Received Trial modification plan documents from my mortgage servicer The Money Source. The three Trial payments requested have been remitted by money order. Received final Loan modification package by mail. The Modified mortgage payment is more than the trial payments. I've requested a review of my escrow account because my homeowner insurance has been reduced by a substantial amount and the property taxes are incorrect they are over collecting for property taxes and Hazard Insurance. I inquired with he Money Source Customer service when would the trial payments totally {$3300.00} be applied to my mortgage, they stated they could not answer that question. Customer service stated they will not review by escrow account to correct taxes and insurance for the correct amount. I was instructed was to sign the final Loan modification documents even though the mortgage payment and escrows are incorrect. I don't want to lose my home but I don't want to sign the incorrect modification documents. Since my loan is and FHA loan did The Money Source submit a claim against my private mortgage insurance. The Money Source Customer service has been rude nd unwilling to answer questions and assist me with retaining ownership of my home. 
See Attached documents
ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.
At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.
XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it
XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. XXXX XXXX are billing me for this amount.
I saw a charge of {$29.00} on my checking account from Experian Credit Check Total. Experian offered to allow me to view my credit score for XXXX Dollar. I used my bank debit card for a one time only view of my credit score. It did not state, where it could be clearly seen that my debit card would be charged {$29.00} nor did they give a good phone number where the Credit Check Total could be cancelled. Instead I was charged for {$29.00}. I called Experian talked to a supervisor, XXXX to request a refund I was given an email address, that did not work.
Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. 

Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. 

I submited a dispute with XXXX  in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. 

I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. 
They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.
Collection was paid in full have a satisfaction letter. I paid this debt in full on XX/XX/18 to Hunter Warfield for the amount of XXXX to account XXXX
I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action
Out of the blue, I received notification from Citibank that it has closed down three of my accounts, one Citi credit card, one Macy 's credit card and my Best Buy credit card. No information was provided to me. When I wrote to the Company ( which was not even initially identified ) the response I received was that they have the right to close the accounts. I have never had a credit issue in my life, I have maintained high credit limits and have an impeccable credit rating ( most recently over XXXX ). We are not disputing their right to close the account, my goal is to understand why this happened. If there is a mistake or they have some inaccurate information, I have a right to know that so I can address it. There is not even a phone number on the letters so that I can actually speak to a person. Please advise as to whether the Bureau can assist me or if there are other ways for me to get to the bottom of this. 

Thank you very much. 
XXXX XXXX XXXX ( cell )
XXXX XXXX has inaccurately reflected negative information on my credit score which has corrupted reputation with potential landowners leasing property, and employment chances were nulled as a result of providing impermissible information about me according to the FAIR CREDIT REPORTING ACT.

FURTHERMORE, has charged to reveal my credit score information to myself which again violates the FAIR CREDIT REPORTING ACT.

CONSEQUENTLY, I have contacted and filed a complaint with them in the past year demanding that they correct, delete, and/or remove the erroneous information on file. subsequently after being charged a fee which was never reimbursed and has violated the FAIR CREDIT REPORTING ACT.

REPORTING agencies mustn't disseminate erroneous or outdated negative information which is a complete violation of the FAIR CREDIT REPORTING ACT.

XXXX XXXX is not allowed to send my information to any employer nor any entity without my written consent clearly indicating that it is permissible, and in doing so is a direct VIOLATION of the FAIR CREDIT REPORTING ACT. 

AS a consequence of these blatant VIOLATIONS the undersigned has experienced an extremely poor score and must be corrected immediately. 

In truth, ( E.R ) XXXX XXXX
XXXX XXXX in XXXX, WA has a " Collection/Chargeoff '' placed on my TransUnion credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted TransUnions but they will not remove it without XXXX XXXX consent.
SUNTRUST : Fraud Case XXXX ; XXXX Case # XXXX ; SunTrust Case : XXXX ; XXXX Ref # XXXX This is an open Fraud Case against SunTrust, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and SunTrust is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud Specialist, that did not even care to see the documents nor the case number filed with the XXXX Sheriff 's Department. 

Next were several " Recovery Agents '' that finally submit my complaints to VP of Recovery, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised Debt Collection AgencyXXXX XXXX # XXXX regarding the debt that SunTrust is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.
This company Hunter Warfield has been reporting a debt that they say that I owe for appx XXXX from I found this out around XXXX of this year ... I sent them a copy of my current lease on XX/XX/2018 along with a copy of my utility bill and other information and a copy of a signed affidavit of identity theft .... I requested that they remove this from their files permanently and delete it from all of the credit bureaus they have reported it too. I included a copy of a letter requesting an investigation of the information that they have according to section 623 et. seq. of the fcra and that was on XX/XX/2018 I have since not received any of that information and they continue to report this after I have provided them information that I was never at that address ... at this point as I understand it they have violated the fcra and this is my last effort before securing legal representation on this matter. as I understand that this is from a rental of a property that I do not live .... I have also provided this company with as much information as I can regarding my identity being stolen and the fraudulent addresses accounts, including utility, insurance etc ... that were fraudulently opened .... accounts and addresses that just came out of the blue ...
I got a call on XXXX/XXXX/XXXX from Citibank which is where my Goodyear credit card is financed stating that my account is 90 days past due and that I have been charged {$400.00} dollars in late fees. I have been a customer since XXXX and my account had always been setup on autopay. I have the statements to prove it, see attached. They said that I received an email that my account had been disenrolled but I did not dis-enroll it from autopay. It has been set up that way for years so why would I stop it now. When I checked the activity on the goodyear signon website, it said no activity at all for any of the months in XXXX. The supervisor that I spoke to on the phone could not explain why it said no activity. He kept referring me to an email which he could not prove that I disenrolled myself. I do n't check my personal email so I was not aware of this so called dis-enrollment. Somewhere along the line my autopay got removed but it was not by me. It looks like when my balance was {$0.00} the system might have disenrolled me. If they do n't have proof that I actually disenrolled myself, I want my account restored to prior state.
Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on XXXX and Experian. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.
I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.
In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, Equifax and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX  XXXX  ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX
In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!
I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX XXXX & XXXX # XXXX TransUnion XXXX XXXX account # XXXX XXXX & XXXX & TransUnion