WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit

h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you sup
ply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB. 

My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX,
I had multiple disputes from a merchant that was using various names for all around the same amount of money. I included all of the transactions that I identified as from them in my dispute. This company never provided me the services they were supposed to provide in accessing an online portal for daily competitions against other players. The service was supposed to provide me this access and they never provided me the login information and they continued to charge my card. I asked Bank of America, on XX/XX/, 2017, via mail to dispute the charges. Online, they showed they received my letter as they disputed 3 of the 13 charges i disputed. However, they refuse to send me any correspondance and they keep telling me they sent out " letters '' asking for " more information to process the request. '' So, I resent my original dispute letter which details exactly what needs to be disputed, why, and what steps i took originally to talk with the merchant about the charges. 

They refuse to assist me.
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.
Company XXXX XXXX XXXX XXXX XXXX contacted me from XXXX to state that I owe a payday loan but they could not collect because I filed a bankruptcy so now they are trying to file charges on bad check because they could not collect the money because I filed a bankruptcy.
On XX/XX/XXXX, our home was totally destroyed by Hurricane Michael. My wife and I have a home loan mortgage through Fifth Third Bank in XXXX, Ohio. We called Fifth Third Bank on 3 occasions since XX/XX/XXXX, the last time being today ( XX/XX/XXXX ), and requested that they suspend our mortgage payments and interest accumulation until our flood and wind insurance on the home settle our claims and pay off the mortgage loan in full. We do not know how long this will take, but those claims are being processed currently. Fifth Third Bank has only offered us a 90 day Forbearance Period, wherein if we do not make our payments, they will not report us to the 3 credit bureaus. They have refused to stop the interest accumulation on the loan. Since this has been declared a national catastrophic event, we feel they should have a little more compassion for any of their clients who just lost their primary residence ( we had recently claimed XXXX on this property ), and stop the interest accumulation on the loan. I am a XXXX veteran and this is creating even more of a financial hardship on us. We begged them to work with us, but got no results. Any assistance you can give us, would be greatly appreciated! Thank you!
XXXX XXXX XXXX Is my mortgage servicer. I written to them on XX/XX/XXXX asking for information regarding fees that has been charged to my account asking them to give me a written explanation on each fee because they have been charging my account every other month with a fee and sometimes two or three fees in one month. Fee, s that I have paid with out and explanation on XX/XX/XXXX {$35.00}, XX/XX/XXXX {$310.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX, {$190.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$950.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$390.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$83.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$62.00}, XX/XX/XXXX {$400.00},. This is a total of {$5200.00} cent, s. This company XXXX XXXX has only been the servicer of my mortgage since XX/XX/XXXX from XXXX XXXX XXXX they also played deceptive games with this loan. XXXX XXXX said on my XXXX from that I owe {$100000.00} I haven, t owed this amount since the year of XX/XX/XXXX my XXXX, s for XX/XX/XXXX and XX/XX/XXXX need to be corrected. I feel that for the year of XX/XX/XXXX I have paid XXXX interest on a {$100000.00} instead of paying them interest on {$100000.00}. I received on XX/XX/XXXX a pay off letter from XXXX and it stated that the pay off amount was {$94000.00} but on my XX/XX/XXXX XXXX it says that outstanding balance is {$97000.00} I feel that I have paid interest on {$97000.00} instead of XXXX or what was owed after I had paid on the mortgage for the year of XX/XX/XXXX. This information comes from my mortgage history and correspondence that they XXXX XXXX XXXX have sent me and it can be proved for each fee that I have paid I want a explanation on what that fee was for. And they are in violation of 12CFR1024.35 or 1024.36 b.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are dates that were 30day past due according to Real Time Resolutions ( These are the dates causes problems ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are 90 days past due according to Real Time Resolutions ( These dates I can't get info from them on ) Real Time had purchased our account and I was never notified. I have had automatic payments on this load since day one. I had continued conversations over and over regarding payments being taken out automatically without a resolution, I would get a statement in the mail with account being late already I would call and pay and ask if this was going to be a bad thing on my account and was told no. They again said the account would be processed automatically with again no resolution, I called to try and get some information on my account and was given attitude about my account over and over. It was in deed not my fault of this continued thinking account being posted automatically with it not being done, It's a XXXX payment and has seemed to cause a lot of problems for us on purchasing a new home. 

I don't feel comfortable speaking with the account reps with Real Time and would like some help on what to do next.
XXXX Convergent Outsourcing, has made repeated calls to this phone number and have been told each time to never call this number but they ignore those requests. Called Convergent Outsourcing from number found from online search, they refused to state the nature of their business or why they are calling. 
Attempted XXXX times to use their format on their website to place our number on do not call but page always fails to complete process with error messages. 
Then called provided XXXX customer service number to report this problem and am refused service.
I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.
I have requested from Bank of America numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the 2012 year and had two change of address. Also, I have contacted Bank of America requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the Bank of America report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from XXXX, XXXX XXXX and XXXX.
I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.
XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.
I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}
On XX/XX/XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ext. XXXX, representing XXXX XXXX, XXXX. sent me a written agreement to pay a charged off XXXX credit card. The settlement amount was {$2900.00}. The amount was to be paid making monthly payments that started on XX/XX/XXXX. I have made every monthly payment since beginning this agreement. On XX/XX/XXXX XXXX XXXX from XXXX XXXX ext. XXXX, called claiming the " verification of employment was now scheduled ''. When I returned his call I was informed that he was now collecting on the original XXXX account. He said he too worked for XXXX XXXX, XXXX and claimed I had not made any payments. After further conversation he said he was mistaken, I had only missed the XX/XX/XXXX payment. I had proof that I made that and all payments to XXXX XXXX at XXXX XXXX XXXX. He then told me that my current balance with XXXX was over {$3000.00}, which is more that the settlement amount that XXXX XXXX had given me in writing. He went on to explain that he " may '' be able to get me the same settlement amount but needed to know when I could pay the balance because this might help my case. I told him that his information was incorrect and that he needed to get everything in writing and send it to me. I have not received anything yet and do not want a lawsuit because of unlawful debt collection practices.
I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.
In XX/XX/XXXX/XX/XX/XXXX I called our mortgage company, Chase to ask about any programs that could lower our monthly mortgage payment. Our financial situation was changing and I was looking for ways to adjust our budget while we considered a long term solution. I asked about just making interest only payments but was told I could not make partial payments. I spoke to several different people in the beginning because each time you called the customer service number you got whoever answered the phone but eventfully I was told I needed to start missing payments to qualify and not just pay them late. I did get a packet to apply for Chase 's Mortgage assistance program which I mailed in using their prepaid envelope. But they didn't receive it, so then I faxed a copy to them in XX/XX/XXXX. But before I heard anything back from them I received a letter saying they would no longer be servicing my loan as of XX/XX/XXXX. That was the last I heard from them until XX/XX/XXXX when I received a letter from Chase telling me they may have made an error while we serviced your loan that could have extended the document collection period during our review of your application for mortgage assistance. We've enclosed a check for {$100.00}. as compensation. When XXXX took over in XX/XX/XXXX they wanted over {$5000.00}. to bring my account current or they would start foreclosure actions against me. Chase may not have had any control over what transpired after they transferred to another servicer but they sure had a hand in getting the ball rolling. Your customer service did not handle this correctly right from the start by giving misinformation, by misplacing documents, by not keeping me correctly informed about the status of my application. I was never denied anything, never asked for more documents or information just transferred. In XXXX you contacted us to give us a rate reduction because we paid on time ; had a very good credit rating and our LTV ratio was low. Within 30 days it was done and with no closing cost although I didn't think it was a great financial decision my husband was happy that the payment was lower. So what happened this time? It has cost us over {$9500.00} so far to keep my home from being sold at a sheriff sale. The loan value of my home has gone down because it's in foreclosure. We are trying to sell but it's been difficult since most home buyers don't want the uncertainty of a foreclosed home or they are investors who want to purchase at way below its value. And our credit rating has dropped considerably.
I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. experian and XXXX have not cleared the inquiries or wrote me. To tell do the room.
I 've been in contact with Bank of America for over 45 days ago trying to get a second mortgage lien released which the terms have been fulfilled since XXXX XXXX. BofA should have been processed via their lien release with the county within 60 days of the terms being fulfilled according to Louisiana law. Well here we are 1.5 years later and I am trying to close on a HELOC and appears a title problem because BofA did n't do it 's job. I spoke with customer service ( about 3 rude people saying I should have followed up on this in XXXX and not knowing the proper procedure in their system to request this and about 5 nice reps ). I first asked for a Cancellation of Lien Instrument at the beginning of XXXX. A rep XXXX XXXX ( who 's name is not found later nor his extension he gave me ) faxed me Payoff Letter of Satisfaction on XXXX with all the wrong dates of the payoff and told me this would satisfy my request. Later I call back stating that my lawyer says this is NOT acceptable. The next rep stated that my servicing loan officer and their title lawyer needed to file for the request ( she was clueless ). Finally, after many long holds one of the reps knew what she was doing and created an escalated request for the the lien release with a request ID of XXXX, except escalated is still very slowly and has caused a major headache. The problem is that was a month ago and anytime I call I get a run around about the status being in progress and to call back the next week. I 've had a lien released before and it took the company less than two weeks to complete the paperwork and file with the county. Where my frustration lies is that I 've been given a request id over a month ago and most recently a direct number to an escalated team member XXXX XXXX XXXX ext XXXX who wo n't return my phone calls ( 2 voicemails ) and a rep has supposedly sent her an email to call me. When I call customer service they only say it 's in progress ; this is an unacceptable answer. I have made it very clear in several attempts to express the urgency of this matter being that it is hindering progress on my closing, but no one seems to care enough. My patience has run thin I 've called in weekly and sometimes twice a week so I 'm now I 've been led to file a compliant with CFPB as suggested by my lawyer. Bank of America has to do better with their business processes or at least have someone you can talk to who can get things done in a true escalated fashion. BofA is a large corporation with a huge staff surely they can handle such a menial task one would hope. This makes me never want to do any business with them regarding mortgages ever again.