WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem. 

I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence. 

The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence. 
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence. 
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation. 
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all. 
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option. 
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me. 

Attachments : - Email showing that I noticed the mistake early and asked them to fix it. 
- Email showing that they would fix it. 
- Voicemail admitting their mistake and how they would fix it.
I am a XXXX percent XXXX military Veteran who applied for the student loan forgivenessXXXX program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/XXXX was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by TRAN UNION. Based on my understanding, under the XXXX XXXX, a veteran who seeks federal student loan forgiveness if they receive a XXXX XXXX rating by the XXXX should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.
Credit bureaus Experian and XXXX are scaming people offering your score for {$1.00} and then charging {$20.00} per month if you do n't go back and cancel a service that you did not order in the first place. You become aware of it when you see the charges in your credit card. By that time, they already got your money. It 's a scam of the worst possible kind from the very people who is suppose to ensure the transparency and good faith of the system.
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in XXXX the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
An account is listed under XXXX. I have attempted to dispute this debt, and no steps were taken on their end.
Experian and XXXX REFUSE to remove the credit accounts ( XXXX, XXXX and XXXX ) from the potentially negative/derogatory category 5+ years after bankruptcy discharge. 
This is in direct violation of the relief guaranteed under the Bankruptcy Law. All negative and derogatory credit files shall not be reported as NEGATIVE. They may remain on the file for " UP TO '' 7 years from delinquency, but may not be reported as NEGATIVE. 
Experian and XXXX. 
Both Agencies are Fraudulently reporting Negative Credit activity POST-BANKRUPTCY, making creditors " think '' I have bad credit AFTER THE BK. I have perfect credit Post-BK and I want these accounts removed from the derogatory reporting category. 
I also want them removed from both my credit reports NOW as compensation for the false negative reporting. 
Neither Agency will comply with the LAW and are hiding behind the FCRA 7 year rule. This rule does NOT allow the Negative reporting Post BK discharge and Neither does Federal Bankruptcy Law.
American Education Services refused to defer my loans while attending XXXX school. This led to them turning XXXX of XXXX loans over to a collections agency resulting in a default status. I have had to continue making payments on the XXXX, which are not defaulted, while attending school.
XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING
I was paying the mortgage payment on weekly basis and wells fargo bank did n't apply the payment towards principal and interest, they accumulate the payment and apply at the end of month My loan no is XXXX from XX/XX/XXXX i start paid Auto-Debit on weekly basis, I have account summary statement which shows the payment history. When i called wells fargo bank they told me my funds can not applied before the end of month, if thats the case they dont have to offer this, as the bank made money on my deposit and my loan was open for that period. I request the recording to wells fargo for the conversation and they said it takes 15 business days the work tobe completed.
I first contacted Bank of America around XX/XX/XXXX to try to work out payment arrangements due to my sister passing away due to XXXX on XXXX XXXX, XXXX which caused me to lose my job. I am a XXXX, had no job, and they refused to assist me in any way. They closed my CC and wanted me to continue paying from {$200.00} to {$220.00} dollars every month which I did. I was not working and borrowed from family and friends to make my monthly payments. I was denied a payment plan because of no income and told that once I received unemployment that they would put me on one. Every month I was told a different lie. However, they constantly told me that as long as I made my monthly payments I would avoid collections. Once I received unemployment they said that they could not put me on a payment plan. I called again XX/XX/XXXX and XX/XX/XXXX to try to work out payments and was denied. They man I spoke with from Bank of America told to make my payment via the ATM before XXXX EST and that I would not be sent to collections. The amount due was {$210.00} and I paid {$200.00} at XXXX XXXX and {$10.00} at XXXX XXXX on the XX/XX/XXXX. However, on XX/XX/XXXX I received a credit alert from my bank that Bank of America charged off my account. Bank of America has constantly lied to me about my account, given me conflicting information as to why I was sent to collections or why my payment was not acceptable. I mailed a letter to Bank of America 's corporate office at XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX asking that my calls be listened to and ask that they reverse my account that was charged off because of their bank errors. However, no one will listen or willing to help me.
Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted
This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.
I noticed CITI CARD XXXX ... XXXXXXXX XXXX XXXX XXXX, SD, XXXX. They are on my credit report ..its says ive had them since 1989 and have been making payments since then and still am. I do not get a bill for this company nor do I pay XXXX so I dont know why its on my report and why it shows I make payment and ive had it since 1989
On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.
I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam
As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX
X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.
After buying a house in Florida, and the loan sold to Freedom. I received a notice in XX/XX/XXXX that the real estate taxes that were supposed to be paid in XX/XX/XXXX weren't paid and the house was going to be put in for a tax sale in XX/XX/XXXX.

There were numerous very heated calls for them to rectify their mistake, and they said they would take it into consideration and would have an answer in 30 days. Well at that point the house would have been in the tax sale.

In order to save the house, I went and paid the tax bill, expecting and telling Freedom Mortgage that they had to reimburse me for the {$4000.00} that I laid out. Now its XX/XX/XXXX, and the account shows that they are only reimbursing me {$1700.00} stating that they escrow analysis which means I am out {$2200.00} that they kept because of their stupidity.
1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN XXXX )
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower [ your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ) . But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  XXXX  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  (  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
My debt overnight increased from around {$290000.00} to {$430000.00}. They are falsely increasing my total amount and are not answering questions about how my debt increases. 

Additionally, representative have lied about not receiving documents in the best for best consolidation.
I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX
My student loan is in default and I have been trying to get a income sensitive loan rehabilitation agreement with the loan servicer since XXXX of last year. All of my application and documents are complete. Their apparent unwillingness stems from the fact that they want me to pick up the phone and discuss a payment plan. I have stated numerous times that I will not do this. All of my transactions have been written and sent via certified return receipt mail. My income is negligible, my legal payment will be much less than what they want to illegally coerce by telephone conversation which can not be proven. I have given them multiple chances and 30 day waiting periods between correspondence. The loan servicer does not respond unless forced to- I have a sizeable packet with copies of all written correspondence, documents, and mail receipts, for inspection as necessary. The loan servicer is Coast Professional in XXXX, LA. They are refusing to send me a written payment agreement contract for income sensitive loan rehabilitation.
Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.
6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.
Chase Bank is claiming and reporting an inaccurate credit card debt of ( {$3900.00} ) on my credit file. I've mailed them several dispute letters, asking for proof of their claims. Chase Bank has failed to show me any solid proof of their claim. Chase Bank mailed me a copy of a previous statement they claim is mine. The statement is not mine. It failed to show my correct and full name, the address is incorrect, they failed to show me any signed documents that prove it's my debt. I also believe the social security number used to establish this account is inaccurate also. I sent out my first dispute letter on XX/XX/2018.
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX  XXXX Experian XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018