WillisBack/dataset-financial-user-claim huggingface dataset:
In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the Bank of America, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest. When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get XXXX to agree to Identity theft, and XXXX XXXX and XXXX. However, they would not take the debt off. The Bank of America wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XX/XX/XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the Bank of America, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by Bank of America continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX, and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the Bank of America charge off. The Bank of America does not recognize its own charge off and has left it on their books as 3 open card  accounts. Can you help me clear this up? Thank you.
I came out if my deferment period in XXXX 2017. I attempted to negotiate income based payments but was denied and issued threats to go after my co-signer. While trying to negotiate payments over a period of 4-5 days, and being sent in circles, I was able to apply for forbearance which lasted until XXXX. When I tried to re-apply for my second term of forbearance, beginning XXXX, the company withdrew a payment and set my forbearance to begin in XXXX. I am unable to make payments and have no ability to negotiate my payments. Interest is accruing and Navient has been more than dismissive.
In addition to my pending case with CFPB ( CASE NUMBER : XXXX ) ; On XXXX XXXX, 2016, TransUnion deleted all my inquiries including the fraudulent inquiries but, later re-inserted all the inquiries that were removed including the fraudulent inquires. I 'm sure thousands of consumers have been affected by TransUnions awful reporting and non compliance of the FCRA. 
TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. TransUnion violated my rights under the FCRA SECTION 611 laws. 
I have provided proof in previous disputes to TransUnion regarding fraudulent inquiries in my credit profile now I have additional proof they are continuously violating the FCRA laws. 
I have proof of the removal and the reinsertion from XXXX XXXX. 
I demand the inquiries to be removed from my credit report in exchange of me pursuing litigation in this matter to enforce my rights under the FCRA.
I applied for a loan modification with Nationstar Mortgage Loan number XXXX. On XXXX XXXX we were approved for a 3 month trial modification, however the payments were only XXXX per month lower than the prior payments, but, I was informed that there was an escrow shortage and an additional payment of {$61.00} as a result my monthly payment was going to be {$6.00} less per month and would be extended by 1 year. XXXX XXXX my dedicated loan specialist told me I could request an appeal by mailing a letter and updated proof of income to Nation Star Customer Relations. It could take up to 30 days to receive an answer. I sent a letter with updated proof of income that was received by Nationstar on XXXX XXXX. Today XXXX/XXXX/2015 I called Nationstar and was told a letter was mailed yesterday. The customer service rep e-mailed me a copy of the letter that informed me that they made no errors and If there has been a change in circumstance due to reduced income, Nationstar may evaluate the account for assistance with an updated complete application ; however, another approval is not guaranteed. Should you wish to reapply for payment assistance using updated financial documents, you may provide the enclosed. Borrower Response Package within 15 days from the date of this letter using the information listed below. 
They are basically telling me the same thing I was told 2 months ago and are asking for the same documentation I sent to them back in XXXX. The letter also says I am 6 months behind on my payments which is not correct because I made XXXX payments of a 6 month repayment plan that were not properly applied to my mortgage balance which is causing more damage to my credit rating and I believe my mortgage principle is not being reduced by the correct amount.
My issue was n't resolved at all nor address in transunion response. Inquiries were not part my 4 letter dispute process to the credit bureau ; But the aligned students loan debt that XXXX and all credit bureaus have failed to provided me a promissory note or credits accumulated proving that i used this aligned for educational purposes. 

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
I went to bank of America and spoke with XXXX XXXX a financial advisor I told him I want to invest conservative and I wanted money payed to me monthly and I wanted XXXX and XXXX stock he took XXXX out of my checking account from bank of America back in XXXX 2018 the next day I was losings thousand of dollars I had a fit and wanted to close my account he sed relax it will be AL wright as a mater of fact don't look at the account anymore I promise you wont lose your money well I did loose money I have all the papers I have talk to his manger no luck. he miss handle my account very badly I have witness that heard me say I want XXXX and XXXX and maybe XXXX I got only a few share I should have had more then that also wen I need money because this was to give me monthly payment to live on he began to be sassy own ill sell this which would money until I sed why are you selling that I would have lost about three thousand more I also found out he did not invest me conservative he when more aggress anther agent told me that they wont give me my money back he works for XXXX XXXX I lost thousand of dollars he saw me coming and took advance of me this is false pretense he sed I would make at lease 25-30 thousand profit instead I lost my money not all but lot of it.iam sorry I trusted him
This is my email to Bayview Loan Servicing, Bayview Loan Servicing , LLC Customer Support XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Customer Relations Department at XXXX. Our hours of operation are Monday Friday XXXX XXXX to XXXX XXXX ET, and Saturday XXXX XXXX to XXXX XXXX   ET. 


Loan Number XXXX Property Address XXXX XXXX XXXXXXXX XXXX, AZ XXXX Mailing Address XXXX XXXX XXXX, XXXX, AZ, XXXX, USA Interest Rate 11.2500 % OK, I have sought legal counsel on several issues. 
First, The property address is not XXXX XXXX XXXX XXXX, XXXX, Az XXXX. That was an office space I rented from XXXX until XXXX The correct site address is XXXX XXXX XXXX, XXXX, AZ XXXX. 
Make the necessary changes. 

Second, I reviewed the form XXXX and found a gross error that the Federal Trade Commission may be interested in. How is it I paid {$200.00} every two weeks, never missed a payment, and now I owe more at the end of XXXX than I did at the beginning of XXXX. 
I wonder how many mortgage payers are going to blindly pay the balloon you are creating. 

Thirdly, who is collecting the interest on the {$200.00} payments I am making until it is applied to the loan. That is my money, I expect that money to be applied as I pay it not held in your interest bearing escrow. Thus what are you doung with the extra payment a year I am making. I want to pay this not off not have you embezzle the interest you are earning at my expense. 

So, I more than request a full accounting of all payments applied when received and the EOY balance adjust downward where it should be. 

In the meantime, I will be filing a complaint to the FTC concerning your continued egregious inability at mortgage servicing. You should be shut down. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- end of email to Bayview -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This note was incepted originally with XXXX. They sold the note to Bayview and Bayview has sold it twice more since yet maintain servicing provider. I have had nothing but trouble with Bayview. I need to pay biweekly ; it took me three tries before they figured out how to take biweekly payments. Yet, they do not apply the payments to the note when they receive the payments, They hold the payments in escrow until the regular payment is due. That means I am paying 30 days interest on a sustained balance instead of 15 days. I am not being credited the interest they are earning on my money they hold in escrow. 
Then, they increased the EOY balance by the difference of the interest I paid and the payments I made. They are creating a balloon payment situation that I will never be able to pay when it is due. That is one reason for the biweekly payments to reduce that end of contract balloon. 
These people took over servicing XX/XX/XXXX and continue to demonstrate their inability to properly service loan accounts. They should be shut down.
I was told by Equifax that my information may have been " compromised ''. 
I signed up for their identity protection service offered free. I can not obtain access to my account so that I can freeze my credit file. Also I have not been able to obtain access to other credit companies so that I can freeze my file with them. I receive the message " try again later ''.
I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XX/XX/2018XXXX XXXXXX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018
XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. 

XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received XXXX. I ask for them to take off the Louisiana child support off my credit and had gave them a copy of the court order, but its still hasnt resolved and my credit drop 32 points after the dispute.
I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.
Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY. 
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged. 
XXXX
NorthStar Location Services , LLC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.
Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account. 
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement. 

This letter is to request that you close this account and remove any reference to this account from my credit report. 

Background : I received your paper statement in the mail today, Monday XXXX XXXX. 
The statement did not show the charges, which purported to be from a prior month. 
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases. 
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up. 
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there. 
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today. 

Once again : I ask that you close this account and remove all reference to it from my credit report. 

Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :
XXXX XXXX XXXX was sold to key bank. Upon re-enrolling in on-line banking my account for on-line was locked. I called customer service and re-re-enrolled. I was forced to change user name and password yet again. 2 days later my account was locked yet again. upon calling customer service I was told I needed to re-enroll yet again with another new user name and password. System would not accept my original user name as it had been used previously I was told. If my information is in the bank system as being used previously then I am in the system that wont let me in. Why? No one can explain that.
I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.
This is for Transunion, they are reporting a XXXX account, with a balance of XXXX that does not belong to me. They are listing me as authorized user, and i have no knowledge of this account, and it needs to be removed immediately. They are also listing twice that I have a delinquent account with XXXX and that it 's a charge off : XXXX in the amount of {$5500.00}. This is not mine either!
Collector : XXXX XXXX XXXX XXXX ( XXXX ) XXXX This collection company was engaged incorrectly by XXXX ( XXXX ) XXXX regarding an unpaid medical expense. The date of service was XX/XX/XXXX and this debt was paid on XX/XX/XXXX. 

I contacted AMCA on XX/XX/XXXX and advised this debt was in error and I required a letter advising it had been removed. The representative advised that they do not send letters once the debt has been resolved. This was not well received and I advised I require a letter. 

On the same day, I contacted XXXX directly and Spoke with XXXX XXXX. She reviewed my file and advised there was no outstanding balance and this was sent to collections by mistake. She called AMCA and advised them that the debt was in error and that they would send me a letter to resolve. 

Today, XX/XX/XXXX, I contacted AMCA again regarding this incorrect debt after receiving a third collection letter. I was under the impression that this was resolved. I spoke with a representative, XXXX XXXX, who advised that there was no proof of debt being resolved. I relayed my conversations from the prior contact on XX/XX/XXXX and he advised there was nothing he could do. I asked repeatedly on his recorded line for information regarding the regulatory body for debt collection. I was repeatedly advised that he does not have this information and there was no one else to talk to. 

I sent my proof of payment via email to XXXX and will be faxing the same email to them at ( XXXX ) XXXX. They have repeatedly told me that they will not send a letter of debt being closed. This seems improper handling of my account and a direct threat against my credit report. It would seem that they do not have any regard for consumers that are incorrectly in their cross hairs.