WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I opened my Kohls credit card about 3 years. Since then I never used the card. The card has been sitting inactivated for years with a XXXX balance. On XX/XX/2018 I received a call from Kohls saying that my payment was past due. They stated that someone made a purchase at a store in XXXX in XX/XX/2018 for the amount of XXXX dollars. After late fees the balance added up to XXXX dollars. Immediately, I filed a fraud claim because that transaction was not made by me. Kohls confirmed it as fraudulent and removed the balance along with late payment fees. They explained to me that they would file a report with the bureaus and I also filed a dispute with XXXX. The case on both ends closed XX/XX/2018 and I was told that Kohls failed to remove the late payment from my credit report because they deemed it my responsibility. I then contacted Kohls but no one could explain the reason for this. I am now filing this complaint because I don't believe I should be responsible for a payment I had no idea was due. I also did not receive any statement or alert until XXXX. I am in the middle of trying to purchase my first home and this fraudulent incident really hurt my credit score which is going to cost me a lot of time and money for something I had no control over. The longer it takes the more my credit situation suffers and I subsequently pay more for interest and mortgage insurance.
Bank of America has been requesting that we re-sign and re-notarize our mortgage documents because they detected formatting errors in the original documents that are preventing them from filing our agreement with the XXXX XXXX Court. 
Bank of America hired a third party agency to contact us and arrange to have their notary public come to our home to have a new set of revised mortgage documents signed and notarized. We requested that Bank of America send us a copy of XXXX our originally signed documents and a copy of the revised documents, highlighting the formatting errors that they mean to correct. We have made this formal request to them three times. 
The first time they requested this action was in XXXX 2015. At that time, we let the third party know that we wanted to know exactly what formatting errors are questionable to the court. The third party is not privy to that information and connected us with Bank of America to have our questions answered. We told Bank of America that we are not signing any new documents until they show us the specific, highlighted errors that they are revising. Bank of America said they would get back to us with that information. 
Instead, in XXXX 2015, we received a second set of documents with the identical request for signature and notarization to be arranged by a third party agency. Again, we told the third party agency that we only want to know the exact changes to be made to our mortgage documents before we sign anything. The third party agency began a series of harassing phone calls to schedule the notary public to meet us at our home. We asked them to discontinue this protocol until our questions to Bank of America are answered. 
In XXXX 2015, we received a third identical copy of the request to sign and notarize newly revised documents and the process with the third party agency began anew. We let the third party agency know that we were still awaiting Bank of America 's response to our question. 
Then, XX/XX/XXXX, a notary public randomly showed up at our residence and said they were sent by Bank of America to witness us sign a new set of revised mortgage documents. No one called to schedule this visit and we let the notary public know the history of what had transpired thus far and that we would not sign anything until Bank of America gave us a highlighted version of the documents to make clear what the formatting errors are and what would be revised in the new documents. 
We believe that Bank of America is trying to do something underhanded with regard to our mortgage. We understand that we agreed to assist in correcting any possible errors. However, we did not agree to sign new papers without knowledge of what specific mistakes were made and how the corrections impact our mortgage. 
Please have someone from your office contact me, or my husband, XXXX XXXX, XXXX, to discuss any possible recourse we might have and what our rights are under the law. 
Thank you very much.
Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

Thanks,
My name is XXXX XXXX. Please make sure my name isnt an error because I noticed that and all accounts listed below in the attachment are RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the above account which i have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the account could not be verified, your company must delete & permanently remove the account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you are will faces charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate accounts that remained on my credit file. I dont have a vehicle and I dont own one so why are these accounts and inquiries appearing on my credit file as if I have a vehicle? I am unaware about any vehicle. All inquiries or accounts pertaining to vehicle must immediately be removed by law because it doesnt belong to me at all. Sincerely XXXX XXXX
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test? 
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities? 
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy
I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
My friend transferred {$100.00} to my BOA account through the XXXX quickpay on XX/XX/2016, but I did not received it, and BOA agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to BOA. I told BOA agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks XXXX
My name is XXXX XXXX XXXX XXXX, this XXXX XXXX dispute belongs to my XXXX father, XXXX XXXX XXXX XXXX but is wrongly being associated with my credit.
I have several XXXX XXXX XXXX accounts that were opened in XXXX and closed in XXXX. I always had a good payment history with XXXX XXXX. Recently I checked my Trans Union credit report and it showing negative reporting on my XXXX XXXX accounts. I would like this information to be updated correctly.
I had a period of medical and financial hardship back between XXXX and XXXX of 2014, where I was late through that time period. I got caught up as quickly as I could, and have been on time ever since. Unfortunately, those late payments are now costing me thousands of dollars worth of higher interest rates. I have asked for a XXXX removal of those late payments, but Navient will not budge. I do not feel it is fair to continue to punish me for a period of time I had very little control over. All I am interested in is the removal of those late payments from my Credit Report so that I can move on with my life.
I call several week ago trying to get a copy of my report and score from. Transunion. I ways told previous that I would have it in 14 days Ike the Monitoring contract said. However, I call back to XXXX XXXX XXXX AL timeask again for my report. I talk to XXXX. She told me it will be 30 days. I want my score and report because they been taking out the money each month. The contract stated 7 to 14 business day. It been over 14 days. I do not know whether they send and someone else have it or if they have not because the employees are hard to understand what I am asking and IIt hard for me to understand what they are saying. My user isXXXX. I paid for both and I want them both.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
I have Signature Student loans with Navient ( Formerly XXXX XXXX ). After reviewing all charges on my loan balance, I found a mysterious " repayment fee '' of {$280.00}. I called to get information on this and get this taken off. I was told that it was a fee charged when my loan entered repayment status. It was a percentage of all outstanding loans on my account. When asked for a credit of this, I was told that it was part of the original terms of the loan and can not be changed. I 'm sure I overlooked it in the fine print of the terms I signed on the loan over 10 years ago ; however, still left a bad taste in my mouth. I am currently working hard on paying off these loans, like millions of Americans. Hopefully they this get added to the " unfair practices '' section on the new lawsuit filed earlier this month.
We have a mortgage with Zions Bank through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by Zions Bank regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that Zions Bank will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as Zions Bank was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per Zions Bank the check was later found in a lock box that Zions Bank failed to check their own mail for 30 days. We feel Zions Bank has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from Zions and will share with your company. Despite our efforts to abide and pay our mortgage, Zions Bank has reported me with a 60 day delinquency on my credit report. I have sent a request for Zions Bank to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that Zions Bank has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by Zions Bank that were were being reported to a credit agency.
I make payments under the IBR plan. I submitted documentation for recertification in XXXX, but was denied. I was single when I filed taxes, but I am married now ( we plan to file separately ). I was told to put " can not reasonably access spouse 's income '', but was still told to submit my spouse 's income. I was then told to submit another application and have my spouse include his income, but before pressing submit the form stated that they should only submit, if they have student loans and plan to file jointly. So, that was also denied. 

My recertification period is almost up and interest has been capitalized on my loans AND my payment is at its standard level. 

How can this be fixed? I have followed the instructions of multiple customer service representatives at FedLoan Servicing and nothing has worked or been " fast tracked ''.
We refinanced our home in XX/XX/XXXX. JPM Chase stated that we must take a XXXX and XXXX loan to accomplish the refi ( XXXX was at 7.1 %, XXXX was at 11.9 % ). We had several financial reversals, including a business failure in XX/XX/XXXX, critical medical expenses, and the need to become caregiver to an elderly relative. When we realized that we were unable to make payments on a timely basis, we contacted JPMC to negotiate a HARP refinance. We sent XXXX large loan application packages to JPMC over the period XX/XX/XXXX-XX/XX/XXXX. They were a ) lost, never received ; b ) misplaced internally because responsibility for the loan was transferred to another JPMC employee ; c ) sent to the wrong site for processing by JPMC ; or d ) rejected because the package was " incomplete ''. During this time, we were assigned XXXX different loan representatives by JPMC, to add to the confusion. We began to pay the loan later and later because of the resultant delay. However, we were only more than 30 days late 3-4 times during this period. JPMC continued to pile on late charges. 
Now, we have reapplied for a HARP refinance on the property. We have been told by JPMC Rep XXXX XXXX that we are approved, but that we must pay {$4800.00} in late fees before we can close the loan. XXXX XXXX recommended that I fax a letter requesting discretionary late fee forgiveness to JPMC 's Research Department in XXXX, which we did on XXXX XXXX, XXXX ( attached ). We have Transmission confirmation of the fax. 
Today, JPMC stated that they never received the fax, despite confirming that I had faxed to the correct #, and acknowledging that we have a Transmission receipt! This is just another stall in this series of delays and " lost documents '' which indicates to me that JPMC is not fully invested in helping consumers to get loan assistance under this government program. I am seeing many similar complaints on related internet sites. I believe that JPMC, by design, makes it so hard to utilize HARP that many consumers give up, and they can therefore continue to charge usurous rates.
XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX
Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.