WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, Im hoping to get this credit reporting issue resolved asap. There are 10 different accounts with XXXX reporting on my credit reports, XXXX, XXXX, XXXX, and other reporting angencies such as XXXX. These loans are currently showing closed and have all been transfered but have late paymens on each loan from XX/XX/XXXX-XX/XX/XXXX. The loans went into default in which I was unaware of. These loans should have never went into default because they were suppose to be in deferrement/ forbearance at the time they went into default. Once I became aware of the loans being in default, I was told I could do the loan rehab and make 9 payments of $ XXXX  monthly and the loans would be back in good standing. I enrolled into the program and set up automatic payments. I have been trying to get this information corrected for quite some time now. Everytime I call in to XXXX, I speak with a different person who seems to give different information and or tell me steps to take to get the incorrect info removed. Starting back in XX/XX/XXXX, XX/XX/XXXX, I spoke with XXXX and explained the negative reportings showing on my credit reports which was incorrect. He was able to pull up my loans but told me that he did not see any negative reportings and that usually if there were any negative reportings that once the rehab was complete, all negative reportings/ failed to pay would be deleted. My next conversation was with XXXX on XX/XX/XXXX, who pulled up my loans and stated that all the negative reportings had been deleted and that i would need to dispute the incorrect information with each credit bureau. I did exaclty what XXXX advised me to do. I gathered my latest credit reports which still showed late payments/ failed to pay and disputed through each credit bureau. On XX/XX/XXXX I received the dispute results saying the information had been verified and was accurate. At this point, on XX/XX/XXXX, I call XXXX again, this time I spoke with a XXXX. Explained to her the late reportings and that I had already disputed with the credit bureaus and that the credit bureaus would not remove the incorrect info because they said the information was verified as correct. She stated she didnt see any negative reportings and sounded a bit confused as to what was going on and why the credit reporting agencies would say the info was verified. She then told me I needed to fill out the XXXX direct dispute form and mail it in. She told me she would mail me the form, verified my correct address, however she did not send me the form because I never got It. I went on XXXX website, printed the dispute form and mailed it in along with a letter explaining my issue. I sent the form and letter by certified mail on XX/XX/XXXX which was confirmed delivered on XX/XX/XXXX. As of today, I have yet recieved any responce back from XXXX which is very unprofessional. I have been back and forth with XXXX, have done everything they have asked me to do and yet my issue is still not resolved. I will attach the letter I sent with the fedloan dispute form. Please either remove the late payments or remove the accounts all together. Thank you.
I received a vmaill message on XX/XX/2018 stating " Uh yes, Good Morning XXXX XXXX my name is XXXX contacting you from the office of Midland. I just received an email from one of our compliance officers stating that you are refusing to sign for your documents. If you could please contact the office and we can discuss the paperwork at XXXX ummm XXXX XXXX if I dont receive your phone call today, you leave me no other choice we will be submitting a plea of willful evasion against your name and social security number to the county first thing tomorrow morning, again XXXX thank you '' There is no name on my vmail so how do you know you are leaving a message on the correct phone # XXXX you are calling and making threats.
I opened a Delta Gold Skymiles card with American Express in earlyXX/XX/XXXX. The promotion I enrolled in was XXXX Delta Skymiles for spending XXXX   within the first three months. I did this before the end of XX/XX/XXXX. Since then I have been trying to get my bonus miles and given nothing but excuses. First I was told I was being investigated for misuse. They would not elaborate on this. Around XX/XX/XXXX I was told the investigation was complete and I would have my miles in XX/XX/XXXX. I called twice in XX/XX/XXXX and was given responses ranging from I will have the miles by the end of XX/XX/XXXX, to I will have them the first week of XX/XX/XXXX. At this point I have been calling a few times a month since XX/XX/XXXX and have gotten little to no answers and none of the bonus miles I was promised. The Amex case code is XXXX.
I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
In XXXX 2014, I payed off the entire balance and closed my account with XXXX. However since then, my ID insurance company regularly sends me copies of my credit report statement to review, as activity was detected on my financial identity database which informed me of. This activity was not the result of any recent financial undertakings on my part, but due to the transmission of erroneous information being sent to the credit reporting agencies on my credit report summary, of which, Equifax being the only agency to actually publish this erroneous information. Specifically, this erroneous information as transmitted by XXXX, portends that my account is still open and that I owe a balance of XXXX. I will attach supporting documents to confirm the validity of what I have written at a later date.
CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. 

MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! 

CITIBANK 14 PLUS XXXX XXXX XXXX XXXX XXXX
I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.
XXXX XXXX get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers.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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered XXXX to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.
My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.
I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation
There is currently a property tax placed on my credit report that is fraudulent and preventing me from renting an apartment. The original creditor is XXXX XXXX. Upon moving out they claimed there were many damages that did not exist. It is now owned by Credit Bureau Associates. The amount is {$1800.00}. I can not get housing because of this. I had no chance to defend myself. The damages they claim simply do not exist and there is no evidence of it. I am currently XXXX and need to obtain low income housing. I need to have this removed from my credit report.
Equifax, is not acting in good faith and unfairly and inappropriately reporting me negatively on my credit report, for an account that was transferred out to   XXXX   in   XXXX   and they already deleted the tradline, but on the  XXXX  account it 's still showing being delinquent in  XXXX . When I reached out to Equifax they gave me the run around, although it 's clearly showing that the account is not accurately reporting,
My loan was sold to Nationstar. At the time there was a {$1400.00} escrow surplus. However after one month, NS sent a letter stating that an audit revealed I had a shortage of {$500.00} and my pymt. needed to increase by {$40.00} a month. I disputed this via an a customer service rep. who said she would investigate. I never heard from her again. NS let the matter drop until XXXX of this year when an audit revealed I now had a {$2400.00} shortage. And my new pymt. was to increase by {$300.00} month. 
I disputed the math and the amount and asked to have a senior level person speak with me. I did this through the NS website in an email. A person did call. We spoke and i sent an XXXX page fax with my supporting documentation. I followed up with this person 11 days later. Heard nothing. Called again 4 days later and left a message. Heard nothing. 
I called the corporate office to complain, explain and ask for a senior level person to call me. I was assured that someone would. Heard nothing. 
Sent a certified letter with dates, names and broken promises to the CEO. Heard nothing yet. 
All the while customer service hounds me with phone calls to pay up. The loan has been put into default, they are threatening to begin foreclosure proceedingsand have stopped sending me hard copies of my monthly statement. 
I called today to demand that a hard copy be sent ASAP of the current month. I was told that I 'd been set up for email copies only. Ever since the loan was sent to NS, I 've always received hard copies, not once has a monthly statement been sent to me. I asked when the email copy was set up and I was told they could n't tell me. 
Each and every time customer service calls me I ask to speak to a senior person. I 've requested this multiple times via the NS secure message center. 
They do not respond except that very first time. Since then, they refuse to offer any help other than a payment plan. 
I am at a loss as to what to do next. It appears to me that NS has set up it 's departments with walls so that information can not be exchanged and thus problems do not get resolved. 
I went through similar issue with XXXX and it took 14 months to resolve. And the main reason XXXX cleared up the issue, ( they created ) is that I caught them in a lie. 
MY credit score is very, very high, I take my financial responsibilities very seriously. I do n't abuse my credit and I pay all my bills in full and on time. 
This makes it all the more frustrating to deal with NS. 
Thank you. 
XXXX XXXX
This is an ID theft issue. An individual used my information to charge a large amount for XXXX. ERC at XXXX came after me, at which time I explained that they had the wrong person. I filed a police report and took other steps to correct the problem. However, my main issue with this company is that they put a negative flag on my credit report before even talking to me about the issue. Even after I spoke to the office manager named XXXX and verified this was ID theft, he refused to delete the negative report until some time in the future, This is wrong and needs to be corrected right away. I should be inocent until proven guilty..
My mortgage is owned by Bank of America and is a XXXX backed mortgage. Sometime around XX/XX/2011 we started a home loan modification process with BOA. This process took over 3 years of back and forth. We even took the steps to find a pro-bono attorney to help us the BOA gave him the same run around. In the end, BOA added almost {$90000.00} to the loan, increased our interest rate, and added fees to the loan that to this day have yet to provide proof as to what those fees were for to me. I have attempted to try and seek legal help and I am unable to find an attorney anywhere that will assist us with taking on BOA. All of them quickly say that they can not help us the second they hear that our bank is BOA. I have countless letters from them directing us to XXXX who request the same documents month after month. Emails between me, BOA, and my attorney at the time. 

Bank of America also knew that this loan was a VA loan. They failed to notify the VA that we were seeking a modification in a timely matter. In fact, they tried telling me that they did n't know my loan was a VA loan. By the time the VA was notified, it was beyond the point that the VA could do anything to assist me. 

I 'm a XXXX with XXXX tours in XXXX, XXXX tour in XXXX, a XXXX and an XXXX Commendation XXXX with " XXXX '' device. I 'm currently out on XXXX and this whole situation has in part contributed to my XXXX and XXXX getting worse.
XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance
I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.
I have been trying to get a loan modification for my property since  XXXX  of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number  XXXX  from my  XXXX   XXXX  and  XXXX   XXXX  bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my  XXXX    XXXX   case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in  the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.
Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
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This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.