WillisBack/dataset-financial-user-claim huggingface dataset:
Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.
I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. 
I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. 
Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.
I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?
On XX/XX/2018 I was served a summons to court because my wife and I were being sued my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX aka Collection Bureau , INC. ISB No. XXXX Case No.  XXXX. 

They are attempting to collect a debt on behalf of the City of XXXX Idaho fora utility bill in which I had no idea that I owed them. I have never received any form of communication from the city, or collection bureau neither oral or written. I did a transfer of service from XXXX to XXXX Idaho XX/XX/2018. I have since then paid all of my utility bills as well as all of my other bills, because I am a responsible person in ensuring a roof stays over my childrens heads. I called the City of XXXX on XX/XX/2018 to let them know I had no idea I owed them money and that I could pay them right now on the spot. They said that they sent notifications to my previous address even though I had moved out of that residence. So of course I did not know I owed them money, no phone calls no nothing. 
Nonetheless I offered to pay them ( XXXX ) what they say was owed in the amount of {$160.00}. The City of XXXX then told me that they have an agreement with Collection Bureau INC that once something has been turned over to them that they will not accept a payment from the consumer/residence/citizen.

I then called Collection Bureau INC same day on XXXX XXXX. They claim to have sent me a letter on XX/XX/2018 and since I failed to respond they decided to sue me. I absolutely did not receive such a letter, but since they did not get a returned letter they deemed it valid. 

Collection Bureau INC., now claims I owe them a total of {$630.00} deeming any all fees, interest charges, filing fees etc. etc. whatever they choose to make up out of thin air. I unknowingly owed the City of XXXX. I never received a chance to dispute a debt of XXXX dollars Collection bureau inc claims that I owe them.as I have the right to do so under the FDCPA statute of 15 USC 1692g Ive only discovered this by being summoned to court.
I opened a small business checking account in 2015 with Bank of America because they offered a {$100.00} signup bonus ( with qualifying deposit ). I made the deposit and did not receive the promotion, so I called in and was told I had earned the offer but it was likely still pending. I waited but still did not receive the offer. When I called in again, they said I did not have the promotion on my account and had no record of my previous call, or of the initial call when I opened my account. Despite presenting them with online evidence that the offer had been active when I opened my account, they refused to fulfill the promotion.
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
I received a letter to reduced my payments and whatnot. They are charging {$800.00} for a fee to file paper work for me, it is now seeming suspicious the longer I think about it. I am very concerned about my private information now. The company made me sign something saying no one had advised me not to make payments on my loan. AFTERWARDS, customer service began advising me not to make payments and disregard anything from my payment provider.
I owed XXXX University money on an outstanding balance that I was paying monthly at a rate I could afford. Their request was upwards of $ 600/month. I was at about $ 100/month. I paid them approx {$480.00} mid XXXX & was notified by mid XXXX that my account would be going to collections.
I am requesting permission to file a XXXX XXXX Dollar Lawsuit against Equifax for actual and punitive damages, Offense : Discrimination : Malicious malice of Discrimination ( race ), which resulted in : Serious injuries of mental, emotional and financial harm. 
I have requested the name of the person whom placed these false inquires and this mortgage on my credit file and as of today XXXX XXXX, 2015. I have not received the person name or address. I seeking an immediate resolution to my credit file. It took some very malicious, XXXX person who works for Equifax, two minutes to place false an in accurate information on my credit file. I have received notice it will take at least 60 days to investigate my file. I am filing a lawsuit against Equifax in ( 5 ) days if all of these false inquires, mortgage information and old accounts are not removed immediately. Every day this false information remains on my credit file it is causing me emotional, mental and financial harm. Equifax you will not discriminate against the XXXX in this country by, deliberately placing false information on some ones credit file, in an intentional effort, to keep XXXX, credit score low. You will not ruin my chances to have adequate employment, low interest loans on automobiles, credit cards, etc. You will not deliberately sabotage and ruin my credit in order to ruin my chances of becoming a home owner, due to your racism. I have been a victim of discrimination, race, and the victim of racism. Equifax you have committed a crime. Discrimination in the United States is a crime and is punishable for up to 25 years in prison. What you have done to my credit was intentional malice to cause me XXXX, XXXX and financial harm due to the XXXX. And everyday those false inquires and that mortgage remains on my credit file is causing me emotional, mental and financial harm. You have ( 5 ) days to remove all of those inquires, that mortgage that does not exist, and all of those old accounts off of my credit file. And place all of those XXXX points back onto my credit score. Every day you are causing me XXXX, XXXX and financial harm. And you will pay for everyday that false information remains on my credit file. You have ( 5 ) days to remove those false inquires, the mortgage that does not exist and all of those old accounts from my credit file. It took some XXXX person two minutes to place this false information on my credit file. It should only take two minutes to take it off. 
CC : United States Department of Justice, United States Department of Consumer Affairs, XXXX., United States Federal Attorney Generals Office , XXXX . United States Department of Housing, States Attorney General Office, XXXX, XXXX, United States FBI, NAACP, National Black Action Coalition and the Federal Division of the EEOC.
On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.
Last year, I consolidated my student loans into a single student loan with the help of Ameritech Financial. Due to prior XXXX treatment, I was having hardship making the payments as requested and was offered a method of making minimal payments until I got a job again, as well as the potential for loan forgiveness. 
Ameritech consolidated my loan and set up automated payments of {$100.00} through XXXX XXXX XXXX XXXX. These payments went out on the XXXX  or XXXX  of each month starting in XX/XX/2017, while the loan was consolidated under XXXX. 
Recently, I received a letter from the FTC stating that Ameritech was being sued by the FTC for their practices. Upon review of my XXXX account, I discovered that not a single payment was made to my debt since it's consolidation, excepting the payments I had set up individually in XX/XX/XXXX. So my debt had gone up by several thousand dollars. 
It was also discovered that Ameritech had changed the contact number on my Federal Student Aid account to an unknown number, thereby preventing me from receiving any calls regarding my accounts. This has since been fixed, and the password changed. 
As a result of these practices, I am no several thousand dollars more in debt and have likely taken a hit to my credit score.
Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}
Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.
A civil action was filed against me XX/XX/XXXX by XXXX XXXX XXXX represented by XXXX, XXXX XXXX XXXX XXXX XXXX and later rescheduled for XX/XX/XXXX. i requested a full validation of the debt that was never provided to me, i showed up for court the first scheduled date but no representative of Capital One showed up, the date was rescheduled, before the second hearing date i received a letter from the court stating '' on XX/XX/XXXX, the complaint filed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys for Plaintiff against XXXX XXXX has been Withdrawn. '' XXXX XXXX XXXX refused to remove the negative report off my credit report, i filed a dispute with XXXX  but still XXXX XXXX XXXX has refused to remove the negative inaccurate information. I have uploaded Documentations of prove showing the letter i received from the court as well as the request of full verification and validation of the debt and the Civil action against me.
Hello, I have couple issues with TransUnion. I have couple items on my credit report which are wrong or reporting wrong. 
1. Transunion has a wrong address on my credit report. The wrong address is listed as " XXXX WI XXXX '' I contacted transunion to remove the wrong address and even gave them my correct address, my social security number and utility Bill to prove my identity. After all this Transunion refuse to remove the wrong address. The wrong address is causing major issues for my family getting our mortgage approve. 

2. I also have XXXX negative accounts reporting on my credit report. I know 100 % percent that the accounts are not mine. I even contacted the vendor myself they were not able to verify the account was mine. I have disputed with Transuion but still, refuse to remove it from my credit report. Attached you will find the dispute letters I sent to transuion with certify mail receipt
XXXX College at XXXX claims I owe them over {$730.00} plus an additional {$230.00} in collection costs. They claim it is owed for books purchased. However, my books and school materials were paid for by my financial aid. Which was denied that semester they are claiming the debt was incurred. I did not receive any books because I did not receive financial aid. I have been trying to get this fixed for a while now with now cooperation. I am XXXX with my XXXX. And simply want this situation rectified so I can complete my degree.
In view of the XXXX fiasco I wanted to place a freeze on credit reports. XXXX XXXX web site took took about 3 minutes to complete, with reasonable requirements for verification of identity. 
XXXX XXXX process took far longer and multiple attempts to complete with ridiculous questions about former residencies and loans, more of a marketing ploy than a service but eventually completed. 
Transunion 's process is obviously either designed to prevent access or is done by incompetent IT people. It required name, address, SSN etc as expected, but then required creation of a user name and password, and then multiple questions about previous mortages, residencies, banking history, and phone numbers etc. After submission I got a message something like " can not identify you based on answers '' but no suggestion of which answers or how to correct. A reattempt generated a message that I already had a user name and password, but would not accept those just set up. A " contact us '' phone number was given but was the same format via a menu of choices. 
I attempted to complete by touch tone phone with same results. Obviously their information is faulty. An address is given to apply by mail, but no form or list of information required or human contact info so no chance to correct " errors ''. 
The obvious carelessness of these companies, along with revelation that at least 2 of them give different reports to consumers and merchants and lie about it, destroy any credibility. Fortunately I am no longer dependent on loans or mortgages, but have had difficulty in the past despite never having defaulted on an obligation, and very rarely late. I now understand why. 
More concerning to me is the likely exposure of other accounts and information to hackers, either against the bureaus or their customers. 
They should at least be required to obtain permission from their victims before collecting and disseminating private information and have actual contacts available to correct errors. 
Computers will never be hacker-proof, but criminal negligence such as that by XXXX should result in jail time for the culprits, not in fines paid by stockholders.
XXXX XXXX on XXXX ran to Application ID : XXXX & XXXX with out my permission
Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.
I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??
I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
Good evening, I hope you can help me. I am respectfully requesting your assistance to help me resolve this collection matter with XXXX XXXX. I attempted to resolve my billing issue with XXXX by making a payment over {$1000.00} yet they still turned me over to a collection agency. I received a collection notice from XXXX XXXX XXXX on XX/XX/2018, showing a balance owed of {$3000.00}. I made payment arrangements to try and pay this balance off. In XX/XX/2018, I made a payment to XXXX XXXX in the amount of {$1300.00}. However, XXXX XXXX still reported my account to the three major credit bureaus, even though I had made arrangements and paid a substantial amount in good faith. They also violated the 180 day law by reporting my medical bill balance to the three credit bureaus and now it is on my credit report. This has damaged and ruin my credit when I have made every effort to get this bill paid with XXXX XXXX. I am a young college student, still living at home with a limited income and this is causing me continual distress. Because I made arrangements and have made a substantial payment towards this bill in good faith to take care of this debt, I would like them to remove this negative information from the credit bureaus immediately. In addition, they did not wait 180 days before reporting to credit bureaus. I am hoping that you can assist me with this matter as I would like to resolve this with XXXX XXXX in good faith.
I was trying to verify my identity in order to rent an apartment. However, I failed the identity verification XXXX via phone. Although, I have answered the questions correctly, I somehow managed to fail my own identity. 
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.
I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.
I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.