WillisBack/dataset-financial-user-claim huggingface dataset:
I acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.
My vehicle was totaled on XX/XX/2013, I had insurance and GAP coverage for the loan, capital one did not provide the documentation in a timely manner to the insurance company and continued to accrue interest on the loan. The insurance was settled after capital one sent the documents over a year later and I am disputing the amount that was still remaining because the bank failed to send the documentation in a timely manner, and they do not want to remove the balance after being paid what was due on the loan at the time of loss.
On XX/XX/XXXX I called XXXX to initiate the process of having my PMI ( FHA MI ) removed from my account. According to my original loan agreement after 5 years, I am eligible to have my home re-appraised at MY expense to recalculate Loan to Value ratio. If the LTV is at or below 78 %, the mortgage insurance will be removed. So I called XXXX to start the process. I have since called 4 times over 2 months and they refuse to give me any information, refuse to respond to me. I can only speak with customer service, can't speak with a supervisor, nothing! Total lack of information. 
REMOVAL OF MY MORTGAGE INSURANCE IS MY RIGHT under the agreement and they refuse to honor it. 
Here is my telephone history : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke with XXXX XXXX and emailed at XXXX ( no response ). Called XX/XX/XXXX spoke with XXXX XXXX and was only able to read back my email I sent. NO update info at all. No one else to speak with. I have no other option but to seek CFPB 's help!
BANK OF AMERICA has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment.     BANK OF AMERICA HAS FAILED TO DO THE FOLLOWING  1 . ) BANK OF AMERICA has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action.     2. ) BANK OF AMERICA has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.     3. ) BANK OF AMERICA has failed to set forth the information establishing the partys right to foreclose as set forth in  I.C.2  in a communication to be sent to the borrower as indicated in  I.A.18.      4. ) BANK OF AMERICA has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that  Servicer  and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case  may  be. In the event that  Servicer  prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control,  Servicer  shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that  Servicer  has made a good faith effort in accordance with its procedures for locating the lost note or assignment.      5.  ) BANK OF AMERICA has intentionally provided us through Bank of America,  XXXX   XXXX   XXXX   XXXX , Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, Bank of America trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because Bank of America provided them through the CFPB but they are not.     6. ) BANK OF AMERICA has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Unauthorized inquiries applied to my credit file. I contacted Transunion 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Transunion liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Transunion continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Transunion which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Transunion to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Transunion ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Transunion has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Transunion. 

Thanks, XXXX XXXX XXXX
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!
During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments. 
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition. 
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another. 
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.
Hi, I previously wrote the CFPB about my 30 day late with XXXX. CFPB saw the problem contacted XXXX and had the problem resolved. My issue now is that Equifax refuses to update my credit report. XXXX corrected the issue, so did XXXX, but Equifax will not correct my XXXX account. They said that they never received the electronic form for correction. Attached to this email is all of my supporting documentation including the documentation from XXXX and CFPB. Again, Equifax has not and will correct my account. Please see attached documents.
I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018 he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.
This complaint is about Bank of America. They have not been reporting to the credit bureau 's on our mortgage. We were looking at my husbands credit score on XXXX XXXX and saw that our account with Bank of America has been closed since XX/XX/XXXX, however we have been paying them up until XX/XX/XXXX when they transferred our account to XXXX XXXX XXXX and we started making payments to them in XX/XX/XXXX and are currently making payments to them. They are a debt collector and we are in a modification with Bank of America. We tried to refinance but Bank of America is reporting us 30 days late for the last year. If you could do a complete review of my mortgage we would appreciate your help.
Our mortgage was sold to Greentree Servicing in the last three years from XXXX. It has been a nightmare from then on. We have struggled with our mortgage because of employment issues with my husband and myself, but have never been more than 30 days late. They have threatened to foreclose many many times, been rude, told us we should just walk away from our house, been absolutely awful. I am not sure how they are able to stay in business as there are hundreds of complaints on line about them. I am considering contacting an attorney as I feel they must be stopped. I ca n't believe they can continue their lending practices.
I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.
I submitted a Request for Information/Notice of Error on behalf of XXXX to MidFirst Bank c/o Midland Mortgage on XX/XX/2017. Midland Mortgage is claiming that XXXX is in default but he insists that since his Trial Period Plan, he has never missed a payment. Midland Mortgage has failed to respond in any way to the Request for Information/Notice of Error and XXXX files this complaint.
I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.
According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXXXX/XX/XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}
My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.
My bankruptcy was discharged in XXXX, 2016. My vehicle was repossessed today ( XXXX/XXXX/2016 ) but no statements were sent by the lienholder stating how much is due. There were no phone calls or attempts to reach me. Their website states that I owe {$8000.00} but my payoff amount is {$3200.00} so I do n't know what the owed balance is. If I had a current statement, I could have paid them. However, I was n't even given the opportunity to pay them. Now, my fiance 's XXXX worth {$5000.00} ( owned by the federal government ) is in the car and he needs it for daily use. This is a violation of the FDCPA.
I received an advertisement from TD Bank for the TD Cash Visa Platinum Card,  addressed to me in the mail early XX/XX/XXXX. The advertisement stated if I was approved I would have 0 % APR for 12 billing cycles on purchases and balance transfers. It also advertised unlimited cash back on dinning and grocery store purchases, and no dinging with fees like other cards. And spending {$500.00} on purchases within 90 days of opening the account can earn {$200.00} in cash back.I did the application online and was approved right away. I received the card around XX/XX/XXXX. I used the card on XX/XX/XXXX. When I received the first billing statement it stated 0 % APR on purchases.I made the first payment XX/XX/XXXX online which was due XX/XX/XXXX. I received the second billing statement for XX/XX/XXXX-XX/XX/XXXX,  which also stated 0 % APR on purchases. Then XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating they made an error. They ( TD Bank ) made a printing error about the 0 % introductory rate on purchases, it's only for balance transfers. Now they state the APR for purchases is 24.24 %. I've only made purchases, no balance transfers.They advertised 0 % APR on purchases and balance transfers on the application mailed to me. It is also on the first two billing statements. This is false advertisement. I would not have applied for the card if it wasn't 0 % APR on purchases.
On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.
I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID XXXX SS info for proof of address.
Creditor is trying to illegally collect a debt without providing validation nor verification, along with other documents requested.
Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX