WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX working with a client. I have beenb unable to resolve my issues with Loancare, despite numerous efforts. The client was approved for a trial loan modification with XXXX XXXX with instructions to make trial payments in XXXX XXXX. If the client maintained the trial payments, permanent modification documents would be sent out after the XXXX XXXX payment was received. The client made the XXXX XXXX payment but was informed in XXXX XXXX that the loan was sold to Loancare. The client began making payments to Loancare once he received updated payment instructions from Loancare. The client has been making payments on this trial payment ever since, but has yet to receive any permanent documents. At this time, the client made 2 payments to XXXX XXXX before the loan was sold and 4 payments to Loancare. I have tried reaching out to the single point of contact assigned by Loancare. He is never available and only returns voicemails if I escalate the case to a supervisor. When he does return the voicemail he tells me that he is escalating the case to underwriting and that I should check back in 24 hours and he will have the situation resolved. However, when I try to reach him 24 hours later, he is unavailable and does not respond. This " escalation process '' has occurred twice now. I have also tried speaking with a supervisor about this case but am repeatedly sent to voicemails. When I ask to speak to a supervisor who is available, I am told that the agents have no way of seeing who is available before they transfer the call. In the meantime, the loan is still listed as being in foreclosure status even though the client has fulfilled his obligations under the trial modification agreement. I also believe Loancare is continuing to charge late fees while they refuse to process the modification.
In addition to the specific mishandling of this loan modification, Loancare 's phone system is also incredibly difficult to navigate. I finally found the direct number for loss mitigation, as they are the only department with any authority to answer my questions ( per a customer service representative ) however, even when I call the loss mitigation department, my call is always rerouted to customer service or collections. The representative then tells me that since there is an overflow at loss mitigation they can not transfer my call back to loss mitigation but they also can not answer my questions.
I dont what these banks are thats showinh up on my credit report yall need remove it now please
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.
Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.
I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
In XX/XX/XXXX, my student loans were transferred to XXXX XXXX as part of the Public Student Loan Forgiveness Program. Within a month I contacted XXXX XXXX XXXX to inquire about how many more payments I have until I reach 120 payments ( and the 10 year service requirement ). The servicer said they needed 90 days to calculate my payments. After 90 days, I called again and was told they needed another 90 days to figure out my account because it seemed there was a consolidation error and all of my loans weren't counting towards my payoff. I asked who made this error and they blamed XXXX XXXX, my servicer in XX/XX/XXXX. They said XXXX XXXX was no longer in business so there was nothing I could do to address their error. 

I finally received a letter listing all of my qualifying payment details and the documentation said that most of my loans only had 6 or less  qualifying payments and that two loans had 14 qualifying payments so far. I have been working in public service full time since XX/XX/XXXX. I consolidated my loans in XX/XX/XXXX and I got on Income Based Repayment ( a qualifying plan for PSLF ) in XX/XX/XXXX ( according to XXXX XXXX ). I have made 73 payments from XX/XX/XXXX to present day and have always paid the exact amount my servicer requested ( which is set each year when I recertify and stays the same amount for 12 months ). In other words, I have consistently paid the amount the servicer ( s )  told me to pay. However, now XXXX XXXX is saying that most of my loan payments don't qualify because my monthly payments didn't cover all of my loans each month and that I may have been late on payments. Aside from a few forbearances, I have NEVER been late on a loan payment. The money is directly debited from my account on the same day every month. And there is no reason for my monthly payment to not cover all of my loans unless the servicer ( s ) made an error. I have NEVER received documentation stating that my payments were short or that they weren't covering what was due monthly. This is incredibly upsetting. I have only worked in public service for these 7 years to take advantage of this program. I am sick to my stomach in thinking that I have been signing over close to {$1000.00} a month ( now {$1000.00} ) for years and there may be no return on the investment of my time, energy, and dreams. I could have done a million other things with my career and youth, that would have brought me joy but instead I took the responsible route professionally, made payments regularly, all to have XXXX XXXX XXXX   tell me I won't be done with my payments until XX/XX/XXXX and XX/XX/XXXX to qualify. This is infuriating. 

BTW, when I called XXXX  XXXX XXXX today they said it will take another 90 days to get me a document that explains exactly what went wrong with my 73 payments. So that means I will have been asking for them to resolve this for almost a year with no clear explanations. That is unacceptable. 


XXXX XXXX Supervisor : XXXX # XXXX
We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.
CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX MA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I have on more than two occasions requested that Experian remove an alleged bankruptcy reported under my name in their credit files. My own composed letters to Experian has repeatedly asked for validation and verification of the alleged bankruptcy and they have corresponded that the bankruptcy has been verified from the company which provided the information to them. I am demanding the company which provided this information to Experian about an alleged bankruptcy be revealed to me, the consumer. I will in turn perform my own reconciliation with any and all companies ( Experian and other companies ) to ensure the information is factual which is being reported under my name, XXXX XXXX, XXXX. I am very frustrated with Experian and their lack of diligence. Because this incorrect information is being reported in my credit file, credit offers and other financial entitlements are not being executed.
I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.
My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in XXXX 2014. In XXXX 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rather than pass due payments, which resulted in partial payments being applied and further delinquency ( we were totally lost and confused at this point ). From XXXX to XXXX several collection reps gave us different amonuts we needed to pay in order to become eligible for a XXXX month payment deferment. Each XXXX stating, '' Just pay this amount and we 'll get you deferred ''. Well after complying XXXX times, XXXX months and getting nowhere, we escalated to a supervisor in early XXXX. She apologized assured us that everything was okay and to make a {$420.00} payment through XXXX to stop the repossession status, call back immediately with the reference number and she would setup a XXXX month deferment to get us caught up. We went to the closest XXXX station inside our local XXXX immediately, made the payment and called back. Once again assured that everything was fine. We proceeded to get some things in XXXX and when we came out to get in the car, it was gone. We tried for months to get some help. The once courteous and optimistic Supervisor would not return our calls and no one would help us. We just received a collection notice advising that the vehicle was sold for XXXX and we owe them XXXX in remaining balance/fees. This company strung us along for several months and used unfair collection practices, like agreeing to false deferment options, to only collect payments and pinpoint our location to reposess our vehicle. As such, we would like to file a formal complaint against this finance company. This experience has been very stressful and put us in a very difficult situation. My husband did find work, but struggles everyday to get there. Please help us! 

Thanks
Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?
I sent a certified letter toExperian made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by first week of XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I received letter stating this account was investigated XX/XX/XXXX. Which means the cbureau did not vother to reinvestigate the matter since XX/XX/XXXX  month ago. 30 days past. By law this account is to be removed immediately and permaneantly deleted. IN addition to this I have sent multiple letters to have this account validated. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
I called XXXX to find that I owe them money for services I never had, they refused to investigate and put the negative item on credit, which is causing me to be XXXX XXXX. Im not responsible for that bill and never had XXXX in my life. They also refused to send me any proof.
As of XX/XX/18. My Wells Fargo accounts have charged me {$3300.00} in fees over the past 90 days. I have personal and business accounts with Wells Fargo. The fees appear systematic and predatory to benefit the bank itself as opposed to the companys disclosures to offer a platform for small businesses to grow.
On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.
I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!
See attached Cease and Desist # 1 letter which I sent on XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on   XX/XX/XXXX , I c alled   XXXX   and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,   XX/XX/XXXX  to pr esent,   XXXX   XXXX   since   XX/XX/XXXX  t o present and more. See attached letters of my conversation and list of documents.
 XXXX 
I called again on XX/XX/XXXX   XX/XX/XXXX   following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on   XX/XX/XXXX .  We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to   XXXX    validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan w ith JP Morgan Chase, EMC and other questionable issues.
I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). 
I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. 
Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! 
This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.
I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.
I attempted to instate a credit freeze with Equifax, XXXX, and XXXX. All attempts failed beginning at XXXX XXXX. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put XXXX XXXX citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like Equifax, XXXX, and XXXX to have to ASK my permission to use my identity information.