WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 - 5 accounts through XXXX XXXX open. 4 at 6.8 %, 1 at 3.4 %. Refinanced at 4.49 % through XXXX serviced. 

XX/XX/2018 : checks for each account to close were instead bundled and fairshared. Now have 5 accounts with XXXX ( for smaller amount ) and 1 with XXXX XXXX. Making weekly payments XX/XX/2018 : caught error and called. Spoke with all 3 institutions to correct error check-by-check in conference call. Was told it would take 2 weeks XX/XX/2018 : nothing changed. Went ahead and paid off 1 loan ( {$300.00} ). By the following Monday, I had credits in 3 accounts at 6.8, a higher balancein 3.4, and over XXXX in one 6.8. Should have been under {$3000.00} total. Have spoken 11 times with the organization since and it is still incorrect. 

XX/XX/2018 : had spoken with an individual that they are issuing a credit to common bond and I would receive a credit for XXXX to the 3.4 account, making the balance XXXX. This was correct. Now have 4 accouns open again with credits and 1 account at XXXX. 

I have repeatedly tried to escalate throughout this process. I spoke with a tier 3 who has an extension. He has yet to return a call. Another escalation escalated to their supervisor who would not come to the phone and provided a 2 day business day turnaround. I received no call. My credit has since dropped 4 points.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
About two and a half years ago I cancelled a Visa card that I got through XXXX, the online marketer of out door clothing and equipment. I notified the Bank ofAmerica that I was closing my account. I received my balance and payed offthe balance. The account was closed. The next day they received an invoicefrom XXXX, my insurance carrier for sixty years. It was for my monthly insurance payment. They opened my account and payed XXXX something over {$100.00}. WhenI received a monthly bill from Visa/B OF A for the amount XXXX had requested. 
There were several phone conversations between the XXXX parties. I finally paidthe XXXX claim to Visa. By the time all was done, it had passed the Visa paymentperiod and they charged me {$35.00} for a late fee. I refused to pay because myaccount was closed and opened again to accommodate XXXX, so said B of A. 
Even though the account was closed, they kept charging me {$35.00} per month inlate fees for not paying their original late fee. At about the {$200.00} level I talked toa supervisor who told me the bank would continue to charge me monthly, until I reached the level where they would charge off my account and sell my account to a credit chaser. She said they did this to charge off the very high profits they made in the commercial part of the bank. As stated, at $ XXXX sold my account. I received a call from a very nice lady trying to work out a payment schedule. She said her company had purchased my account. I told herthat there were no products or service, that it was all fraud by B of A to reducetheir income tax bill. I could hear her writing in the background, she was mad as hell. Apparently, B of A had taken the account back because they have sentdefault/ no pay notices to all three credit agencies for 30 months. My credit number has gone from XXXX to about XXXX now. It has been as low as XXXX! 

ALL OF THIS PAIN FOR ME WAS FOR B OF A TO COMMIT A FRAUD AGAINST THE IRS. THE SUPERVISOR TOLD ME THIS WAS A COMMON PRACTICE. I AM XXXXYEARS OLD AND HAVE NEVER HAD A CREDIT PROBLEM IN MY LIFE. 

XXXX XXXX XXXX, The credit agency provided me no documentation of their investigation. 
If you get a routine credit report, all the bad marks will show. The last time Isaw it was about six months ago. I was paying XXXX to monthly send me myrating number and delinquent account report.
Dear CFPB, Our mortgage loan is held by a company called Select Portfolio Servicing ( SPS ). We fell behind on our payments this year after I lost my job, and we are ( technically ) in default. We attempted to obtain a loan modification from SPS, but they refused to work with us, not willing to make any compromises on our previous predatory loan terms.

Earlier this year, a wind storm damaged our roof beyond repair. We took out a construction loan to replace our roof, and we also filled a claim with our XXXX XXXX homeowners insurance. Of the {$6100.00} XXXX XXXX allocated to replace our roof, our insurance coverage paid {$4300.00} with three separate checks. On XX/XX/XXXX, my wife and I both endorsed these checks and sent them to XXXX ( Hazard Insurance Claim Dept. for SPS ) along with all the other ( extensive ) documentation that SPS request concerning the roof replacement. 

In the meantime, we paid our roofing company the entire cost of the roof replacement from our roofing construction loan. Now SPS refuses to release the {$4300.00} in insurance remittances we sent to them nearly 3 weeks ago. Every time we call these guys to get our money, they come up with a new ( creative ) excuse why they can't release these funds.

We have another claim for interior damage for which we have yet to hire a new contractor, and we are worried how we will pay this new contractor when SPS deliberately delays the return of our insurance reimbursements. How are we supposed to pay our contractors with SPS sitting on our insurance money for such an extended period of time? 

Sincerely, XXXX & XXXX XXXX
My husband and my daughter both had to have XXXX  around the same time one was emergency and the other was planned, with that being said I missed time from work and so did my husband and we got a little behind. I borrowed {$500.00} from them I have been paying {$80.00} per week for approximately 8 weeks already in which I thought originally my payments would be every 2 weeks so I asked them if I can do a payment arrangement to pay it off seeing how I probably already paid back over what I borrowed, They said NO payment arrangments can be made in any circumstances I would have to let it go as a non payment, well I have overdraft protection on my account so the bank will pay it anyway and charge me the fees because of this I have fees on my acct un warranted and it putting me in more debt and all I was trying to do initially is make an affordable arrangement.

this is what they email me weekly below : Dear XXXX : Your scheduled payment of {$80.00} will be processed Friday XX/XX/2018 for loan number XXXX.

Your payment will be applied as follows : Principal : {$50.00} Advance Fee : {$0.00} Interest : {$30.00} NSF : {$0.00} Total Payment : {$80.00} To select a different payment option, please go to XXXX XXXX XXXX and log in as a " Returning Customer. '' Then select the option that works best for you.

Depending on your bank, it may take three to five days for this transaction to appear on your bank statement. You can check your loan status at any time by visiting XXXX and log in as a " Returning Customer. '' Your confirmation number is XXXX.

Thank you for choosing XXXX XXXX. We appreciate your on time payment.

The XXXX XXXXe Team XXXX XXXX
XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX
I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
XXXX   XXXX   XXXX   filing this complaint to defend my property from  Bank of America wrongfully  invading my privacy my violating the  Gramm-Leach Bliley Act  for sharing my information to non-affiliate third party. I have unsuccessfully try to refinance because of unauthorized credit inquires and the unfair credit reporting on my credit file. I feel like B ank of America h as truly discriminate against for failure to offer me an affordable modification. Im reaching out to the  Consumer Finance Protection for me  to obtain equal justice a nd Due Proce ss. During my continuous research into my loan I have discovered that my loan was sold more than five-times over its life time. Without my knowledge which means many unknown person has unauthorized use of my information.  Bank of America  file for foreclosure on   XXXX   claiming I breach my contract for non-payment, when in fact they breached my contract when they sold my loan on  Wall Street wit hout my permission and allowed everyone to see my personal information. In  XXXX , I close an instrument with    XXXX   XXXX   XXXX  .  in   XXXX   my loan was assign over to  CountryWide Home  Loans. My hardship started around   XXXX   I started reaching out to  Countrywide Home Loans to make  arrangements on my loan. During this time, I had no idea What really happen to my loan until now therefore, I was unable to address these issues earlier.   I will be reaching out to other government agency in order to save my home from foreclosure
This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. Equifax and XXXX have also been notified to correct the false information but have not.
I saw in my report from years ago that I have Medicare because I have XXXX XXXX and this happen years ago. I advised that I'm on Medicare/Medicare back when I went to the Dr . I gave my info to the hospital and I was told it was not filed by the 3rd party. I never knew this was on my acct until I applied for a house. I did a dispute and they denied it twice. I sent the card to the hospital and I thought it was paid. It was not paid and now they have this on my report. I have Medicaid/Medicare and I sent proof. Please have them take it off. The 3rd party is harassing me and I advised them.
They have been contacting me since XX/XX/XXXX that I know of. They claim that I owe a debt that I know nothing about. The have contacted my sister and my job now leaving threatening messages. They left a voicemail on my company receptionist voice mail on XX/XX/XXXX stating my FULL social security numnber threatening to that they were sending a writ and that they were looking for a fax number that I called and provided on XX/XX/XXXX. The voice mail he leaves states a case number XXXX i have the voicemail saved. They also contacted like I mentioned my sister XXXX leaving a threatening voice mail stating that she or myeself or my attorney must contact him by the end of the day or else ( he did not elaborate ). When I called back he would not tell me the full name of the company, or his location. He requested my bank or card information and if not then he would be grnishing my wages. When i asked for more information he stated that he did not have any to give me and that was not his department. My biggest concern is that he is calling random numbers and leaving my social security number all over the place. I would like hep on this matter as i belive this is among other things i have mentiond ar illegal practices by a debt collector. Please help me, luckily I have an understanding employer but I cant imagine everyone is so lucky. Their website provided no mailing address only anothe XXXX number and an email see below ****If you are a consumer and have been contacted about a debt obligation, please feel free to call us toll-free at XXXX. You XXXX also fax us at XXXX. If you prefer email, then reach us at XXXXXXXXXXXX
To whom it may concern, Bank of America ( BOA ) has  increased my mortgage payment for the past 4 months than sold my mortgage to XXXX XXXX XXXX with fees and a higher monthly mortgage payment. I asked XXXX XXXX   to explain the increase in mortgage payment. I was told they did not receive any documents form ( BOA ) only the monthly mortgage payment ; therefore, they could not explain the increase in mortgage payment. 

To provide a little background I purchased my home in XX/XX/XXXX at a fixed 4.25 interest rate currently {$190000.00} balance and a {$60000.00} balloon payment through HUD. BOA inherited my load three months after my closing date. However, BOA wasn't given any documents from my initial mortgage company XXXX. When I requested a home modification in XXXX which I was denied. BOA discovered they didn't have any of my loan documents from XXXX. Therefore, BOA filed some type of illegal court claim to have their name listed on the Deed of Trust. This battle went on for three years ending with BOA giving HUD wrights, listing HUD on my Deed of Trust and me owing HUD {$60000.00} due at sale of my home or at the end of the 30 year loan agreement. This results in me owing more on my home than the market listed value. I'm seeking a mortgage audit to save my home and receive a doable mortgage payment. 

I can be reached at XXXX Thank you in advance for any assistance with saving my home. 

Respectfully, XXXX XXXX
Please review previous complaint, case number XXXX. I believe the current issue is related to this case. 

During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.
XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. 
This situation caused my account to lapse and collect past due fees for which I should not have been penalized. 

Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. 

For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. 
( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. 

The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. 
However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. 
In other words, I should have simply remained on the income based payment plan. 
There was no real need to change plans in the first place. 
Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. 
I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. 

Consequently, I make the request that Navient remove the late fees from my current credit report. 

XXXX XXXX
I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.
I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. 

I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. 

To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. 

When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. 

I am requesting that these damaging items be removed from all three credit reporting agencies. 

Respectfully, XXXX
I was listed as affected by the Equifax data leak. 

The company has made no attempt to contact me. 

Their potential impact website and pin unlock process is not sufficiently secure or randomized. 

I am disappointed in their delayed announcement, arbitration clauses for resolution agreements, and that they are trying to charge for future fraud monitoring services.
In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ),  XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller  coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon.
XX/XX/XXXX cbna sears XXXX oh XXXX phone XXXX credit card i never put in this fraud idenity thieft another one XX/XX/XXXX XXXX XXXX XXXX nd XXXX XXXX phone XXXX XXXX loan from them i never put in for this fraud idenity thieft.