WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. It has been more than a month since I talked to XXXX XXXX in a recorded line to process a loan modification.with Wells Fargo Bank. The last XXXX pieces of documents needed were a letter of employment in Georgia and a statement describing the status of the house in XX/XX/XXXX. Last week, I have submitted all the requested documents for the modification. On XXXX XXXX, I received a phone call from Wells Fargo Home Preservation Team requesting a new set of documents because XXXX XXXX, my contact person had moved to another department. XXXX XXXX, the person who initiated the call told me that I needed to send new documents to XXXX XXXX, my new contact person. The previous documents are no longer available. I could nod believe it. This is not the first time that I have submitted documents after documents with no modification. I was told that my house is not on sale, but XXXX confirmed that the house will be sold on XX/XX/XXXX. The fact that the documents are in the process, and there should not be a sale. My frustration with everything is there is nobody in charge. .I have been trying for so long to work with this bank with no result. This is a policy that big banks, like Wells Fargo have been implemented to deprive minorities of home ownership. They have succeeded because there is no oversight or check and balance..
Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. 

As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. 
Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts.
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : XXXX
I JUST FILED BANKRUPTCY IN XX/XX/XXXX AND ALL DEBTS WERE DISCHARGED IN ON XXXX/XXXX/2015. THIS COLLECTION AGENCY KEEPS REPORTING AND LEFT THE ACCT OPEN WHICH HARMS MY ATTEMPT IN REBUILDING MY CREDIT.
They report something it does not belong to me at the time   XXXX   I did not have a social security number .How they can charge me for something it is not my debt.   I need this collection to be removed from my account it is affec ting my credit score
I purchased this home around XXXX XXXX XXXX with the intention of living here with my daughter, her husband and children. Little did we know at the time that the economy would take such a drastic turn for all of us. We attempted to manage as we have always stuck together as family, but the constant loss of employment and reduction in income finally took its tool. XX/XX/XXXX my son in law 's work was reduced and finally ended XX/XX/XXXX. This caused us to fall behind on the mortgage to the point that in XX/XX/XXXX I received a foreclosure notice. Fearing that I would lose the home and afraid to deal with some of the scams going on in the news I hired an attorney to see if I had an opportunity to keep the home. This ended up costing more money than what I had and finally ended up doing nothing for me as I was asked by my attorney to file chapter XXXX bankruptcy but this was dismissed from court in XX/XX/XXXX. During that same year my daughter and her husband separated and he moved out leaving us with less money to manage the household expenses. All I want is to have an opportunity to keep the home that we have fought so hard to get. My income along with my daughter 's and grandson should be able to manage a reasonable payment for us. We have seen that other people have applied and received assistance and at times they have worse situations than we do. I have attempted to talk to Central Mortgage Company to see if I 'm eligible for assistance and they only transfer me to other departments where I have to leave a message and no one except the collections department answers demanding that we pay what is owed. I really do n't know where else to turn. I was told to write to you but I fear it might be a little too late as they have my home scheduled for foreclosure sale on Friday XXXX XXXX XXXX at XXXX XXXX. I really do want to keep my home and a modification program or principal reduction program might be my only hope I have. Please help me at least get a fair chance to be reviewed for this.
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Ditech, formally known as Green Tree, has erroneously collected payments from us on behalf of XXXX XXXX XXXX XXXX XXXX XXXX as Trustee, although they do not possess an endorsed note transferring it from our original lender. They have further violated our consumer rights by collecting service fees as a requirement to make our payments online or by phone. They have deceived us into writing the investors name on the note after they put an endorsement stamp on it with the name of our lender and told us it was necessary to process a Deed in Lieu of Foreclosure, which they were offering to us as opposed to processing a short-sale. After we wrote the investors name on the note under the stamp they put on it, they told us we had to pay the note up-to-date before they do anything else. Ditech has ruined our credit and caused us great hardship financially and physically by continually transferring our short-sale request to different loss mitigation agents and not addressing our request for a short sale and repeatedly requiring us to bring the loan current in order for them to consider our short-sale application. This caused us the loss of XXXX buyers and eventually resulted in foreclosure of our property and additional prosecution in court for the home equity loan they were collecting for, even though our note provides only for arbitration outside of court by either party and does not allow for court action. We are joining together in our complaint and we are asking for separate monetary relief and a refund of all amounts erroneously collected. The full length complaint is attached along with exhibits.
I traded my car the new company that was supposed to pay off the old loan did not pay accordingly so now it shows late payments on my credit reports which in fact are not my fault I asked for them to be removed multiple times from the company and Credit bureaus with no success also I wrote to the credit bureaus about removals of unauthorized inquiries without success these problems are hindering me from accomplishing my goals
MIDWST RCVRY XX/XX/XXXX Address : XXXX, MO XXXX Toll-Free : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify MIDWST RCVRY or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWST RCVRY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Im having difficulty making payments. They wont work with me. They call 12-15 times a day. Sometimes they just hang up/robocall and sometimes they are there demanding payment.
Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.
In 2017 I had a lexis nexis report sent to me. I found out that I have a bankruptcy inaccurately listed on my report. I disputed the report. They said it was accurate and received information from the circuit court. I contacted the circuit which I have emails and they stated they do not report to credit bureaus or creditors. They lied to me in writing and I would the bankruptcy removed from my report immediately and all credit bureaus notified of this error.
As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.
I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail.
Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.
I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.
I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX
I wish to File a complaint with Discovercard! I recently file disputes with all XXXX credit reporting agencies about discover reporting Neg Info on my credit Files.. Each time each reporting agencies would reply back saying that discover had Verify the account as reporting correctly.. So I reached out to Discover to see if we could n't get these issues taking care of.. I went back to XXXX / XXXX to obtain Old bank statements. And found receipt and sent them to Discover and They fair to respond back to me. I also spoke with XXXX a rep at Discover XXXX XXXX XXXX XXXX to set up Payments he stated to me that they he would Give me interest free payments if I made all Payment 's On time until the Debt was Paid off. It was a deal that I could n't refused.. I agreed and excepted his off. I asked XXXX once the Debt was paid in full with No missed payment would and could He have the account deleted from all XXXX of my credit file. XXXX told me he would have to speak to a supervisor and placed me on hold. for a long while He came back on the Phone and advised me that I would need to finish sitting up payment info and agreements! once that was all done a lady By the name of XXXX got on the Phone and stated that she would have the account removed from my credit file once the account was paid in full and That the payments were not late. So i contact Discover after the account was paid in full ands no missed payments they claim that they could n't have the account removed. Discover I gave you my word and made all Payments on time and I expect for you to do the same. But I know they got the money and now its we did n't agree to this! I will contact and lawyer if discover DO NOT HAVE THAT ACCOUNT REMOVED FROM MY CREDIT FILES!
I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.
On XX/XX/2018, a requested balance transfer of {$100.00} from my XXXX XXXX XXXX ( XXXX ) Visa account ending in XXXX posted to my Capital One Visa account ending in XXXX. On XX/XX/XXXX, said amount billed to my Cap One account and was included in its current statement - appearing as XXXX XXXX XXXX - which I paid in full ; ie, including the {$100.00} balance transfer. 

As of today 's date, XX/XX/2018, XXXX has not received the {$100.00} payment from Capital One. Moreover, as payment of my XXXX Visa account became  due on XXXX, I paid it in full. ( XXXX  confirmation code # XXXX. ) Consequently, I've now paid the {$100.00} twice. 

Subsequently, via its website instruction I contacted Cap One on XXXX - and have email verification of their receipt - detailing the issue. To date, no response from the company. As I am currently traveling overseas with extremely limited phone access to the US, I am not able to call them. 

Please promptly initiate an investigation and keep me apprised via my email address which is : XXXX. Thank you for your prompt attenti on to this matter.
XXXX  is report incorrect information on my credit report. The payment history for Nelnet Loan Services account is in correct. I am requesting that you deleted all Nelnet loan Services account.
We purchased a second home for our daughter. The original mortgage was with XXXX XXXX in XXXX, NC. The loan was made on XX/XX/XXXX. We were told that we could cancel the PMI when we had paid loan down to 80 %. The original purchase price was {$88000.00}. After our down payment of {$13000.00}, we financed {$74000.00} for 30 years. The following year, the loan was sold to Wells Fargo. As of today, XX/XX/XXXX, we owe approximately {$69000.00}. We have requested on two occasions to Wells Fargo to have our PMI cancelled. Wells Fargo sent a letter stating that we had to get to 65 % balance of loan to cancel our PMI. We hope that you will be able to assist us in this matter.
I had a credit card with capital one I have paid my card on time, in XX/XX/2015 I got held at XXXX point and lost over {$15000.00} worth of equipment, money and personal property. Including my mobile device! I had contacted capital one and alerted them of the incident however I lost my job and I told them to close my account Ill make my last payment I soon as I can. They didnt close the account and I have many late fees and and overdrafted my bank for over {$3000.00} and ruin my credit after that. 

I received multiple phone calls from a third party whom capital one has sold my account to and got my identity expose and lost my job due to that business calling my phone none stop and reported also on my credit report.