WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America added Hazard insurance and Flood insurance fees to our mortgage payment, the payment is withdrawn automatically from our Bank of America checking account that we have held for over 35 years, when the increase amount was returned due to insufficient funds ( we did not know the payment had increased and therefore on a fixed income there is not additional money available for that adjustment ) Bank of America stopped the automatic withdrawal after one month while we were out of the county and put us in further debt. XXXX XXXX and XXXX XXXX sent in proof of Hazard and Flood insurance on the property, the additional fees were not removed and there are additional insurance fees, late fees, property inspection fees, foreclosure attorney fees, foreclosure expense fees that they are not adjusting so we can pay the mortgage that is due and will not reinstate the automatic withdrawal and will not take any payment that does not include all the above fees and stated will not be refunded. We are in fear of losing our property. Bank of America holds our mortgage for many years and prior to this incident there was never a late mortgage.
An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.
I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to  TransUnion and to XXXX but had trouble disputing on line with XXXX. I have old statements showing the situation was fixed. XXXX  confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No.  XXXX - date opened:XX/XX/XXXX. This has a 0 balance is a closed account. It is shown as a " derogatory mark '' on my credit. 

Can you please help me rectify this again? 

Thank you for any of your help. 

Sincerely, XXXX XXXX XXXX
The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX for XXXX a month and bill from Equitable Acceptance for XXXX and XXXX a month in XXXX of XXXX. I checked today XX/XX/XXXX and after making 5 payments to equitable Acceptance Corporation they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late this month but the first payment in XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX
I am writing to dispute the following information in my file. I have written down I dispute on the attached copy of the report I received. I am requesting that the items be removed from my credit report I have contacted XXXX XXXX XXXX numerous of times telling them that I have no knowledge of these accounts. 


XXXX XXXX Bank, XXXX XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX XXXX Bank XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX
Equifax, XXXX and XXXX are reporting the wrong address and additional credit accounts that I do not own. Equifax, XXXX and XXXX have been hacked.
On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN. 
Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.
I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you.
On Tuesday XXXX XXXX Wells Fargo called me to say that someone had just tried to transfer {$2500.00} with XXXX from my online account. I had not done this transaction. I went to my local bank, but they were not able to help me get my money back. I filed the complaint with Wells Fargo. They said I had to wait 10 days to see if I would get my money back. I have bills to pay, like my house and utilities. I want my {$2500.00} back.
I have informed XXXX about fraud and identity theft on my account on XX/XX/2015.I send many letter to XXXX and credit bureaus to inquire incorrect items.Its still showing negative item and my job was declined.
On XX/XX/XXXX, I was contacted by XXXX in an attempt to collect a debt on the behalf of Cash Central. I had no knowledge of ever taking a loan out from this company. XXXX Cash Central who stated that I received a loan from Cash Central on XX/XX/XXXX and never made payments. I told them that I have no knowledge of applying for a loan. They told me to file a police report for identity theft, which I did. I filed a report with XXXX XXXX Police Department and filled out the forms requested by Cash Central on XX/XX/XXXX. Never heard another word. On XX/XX/XXXX, I called to follow up with Cash Central and the dismissal of the debt. Was told that it would not be dismissed because I did not have enough evidence to support Identity Theft. They only communicate, so they say, through email. I have not received any hard copy statements or notification about collections. I know nothing of this loan, filed a police report and do not know what other steps to take. Cash Central just states that I owe them the money, which I do n't.
Applied for a loan in XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XXXX, XXXX, XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.
Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished CORE LOGIC inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XX/XX/XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have been working with Mr. Cooper, previously known as Nationstar in regards to making my payments again. I was approved for a re-payment plan to which I made 6 payments of {$1600.00}, I was informed that after the 6 payments were made it would be reduced to something more affordable but that was not the case. I was not able to continue to make those payments because I struggled for the 6 months to make the payments I was told would be reduced. Now I am facing foreclosure again and being left with no options as Mr. Cooper is refusing to offer me any alternatives. My loan was originally serviced by XXXX XXXX XXXX, I experienced a hardship and fell behind when my loan was then transferred to Nationstar. Legally, Nationstar is just a debt collector and has no right to foreclosure on my home. All my HBOR are being violated and I have looked into obtaining an attorney to help me get to the bottom of this.
Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.
I previously notified XXXX XXXX that they was reporting inaccurate on my credit fie that they maintain under my social. Yet and still they still continue to report this inaccurate information. I have notified them on numerous times that this account did not belong to me and I have been a victim of identity theft concerning this alleged account. Yet they claim that they have verified this information with XXXX. How is this possible and they cant even verify the information with me. After speaking with XXXX they claim that they have sent Experian correct information thru regular communication channels to delete this account from my report yet they are still continue to damage my credit file with this inaccurate information. They have no contract and no proof that this account belongs to me so how in the heck are they reporting it to and claim to have verified it. WHOM DID YOU SPEAK WITH AND WHAT DID THEY SEND YOU BEARING MY SIGNATURE?? This account does NOT BELONG TO ME AND I AM A VICTIM OF IDENTITY THEFT
I have tax liens on my Consumer report with LexisNexis, XXXX and XXXX. I have contacted XXXX to disputa all tax liens, XXXX did an investigation and stated in a report the information was provided from LexisNexis and that LexisNexis verified the records as belonging to me. I contacted LexisNexis on XX/XX/XXXX and was told an investigation would be done and results sent to me. XX/XX/XXXX, LexisNexis Consumer Report XXXX case Number XXXX that states the XXXX County Court in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted LexisNexis on XX/XX/XXXX and told LexisNexis that XXXX County Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX County Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to LexisNexis for the their review. Again, I was told that XXXX County Court supplied the information, which XXXX County Court, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
This is an update to the Case number : XXXX. 

After contacted my insurance company, it 's determined that the XXXX XXXX of Georgia has submitted the wrong claim and the insurance company request to resubmit the claim. However, when I discussed the option to XXXX XXXX from Creditors Bureau Associates of Georgia she denied but asked me to contact the insurance again to ensure whether they are willing pay or reimburse if I pay her company first. She has tried to make the case harder for me to resolve.
1. I have been unable to receive my credit report from Experian via www.annualcreditreport.com due to a problem on Experian 's end ( according to the error message ). This problem has continued for over a week. Other complaints online suggest that the problem has continued for much longer. 
2. The site offers a way to receive a report by mail, but the request form is corrupted. I am unable to load the form. Other complaints online mention that the form 's PDF file is corrupted.
An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.
I have had a home equity loan with USAA for about 10 years. Durning that time I have made the agreed monthly payment plus a separate payment ( {$200.00} ) that was applied to principle only. This worked fine until USAA transferred the administrative tasks to XXXX XXXX  in XXXX of this year. Since then XXXX has taken out interest first then applies the remainder to principle. I have called USAA a number of times to resolve this only to be told they will get back to me by the next day, this has not happened. I have also called XXXX and was told by them that USAA has directed XXXX not to process the loan in that manner. I was also told by XXXX that they will send me documents to clarify my loan, this has not happened. 
To support my claim I have : 1. email from XXXX 2. Bank and loan statements from USAA 3. Loan Statements from XXXX I have not attached these documents as they contain sensitive information you stated such not be include in this submission.
We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX
I have a student loan serviced through XXXX XXXX XXXX. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Equifax allowed XXXX XXXX to report a delinquent account from XXXX on my credit file. This account appeared on my file as XXXX XXXX and I disputed it and it as removed. This is not my account.
Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment.

Sun trust mortgage has not been able to resolve this for us despite many calls.
We called the XXXX branch of First National Bank of PA and spoke with XXXX there. 
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out. 
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat? 
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs. 
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter. 
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''? 
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch. 
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX. 
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house. 
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that. 
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel. 
We need help from outside the bank to solve this problem. 
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.
My mortgage was paid in full last year but the mortgage company has failed to file a lien satisfaction letter. l am experiencing tremendous financial hardship as a result.