WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern I am contacting your organization to file a complaint against The M & T mortgage Bank. Since I have become unemployed, I have been struggling to keep up with my mortgage payments and have fallen behind on more than XXXX occasion but have been able to catch up. In XXXX of 2014, I had applied for the Keep Your Home California ( KYHC ) program for mortgage assistance and was approved for a {$14000.00} pay down in my principle, which was paid to M & T on XXXX XXXX, 2014. On XX/XX/XXXX after falling behind ( again ), I contacted M & T to make the XXXX payments due which should have put us up to date, when I was informed by XXXX XXXX XXXX that I was actually 4 months behind. Not knowing how this could have happened and upon further research by XXXX XXXX I was told that KYHC had contacted the bank " requesting '' that the money be returned. Upon hearing this, I contacted KYHC, to confirm this, but was told by that KYHC representative that they would never request the money be returned, and that once it was paid out they would not accept it back. With this information, I contacted XXXX, the woman supposedly in charge of our account ( XXXX XXXX ) after XXXX minutes of the conversation I was finally told that KYHC had not requested the money be returned, but that the bank had contacted the state of California, and arranged with a XXXX XXXX XXXX in XXXX to have the money refunded. All of this to take place without my knowledge or consent and on the XXXX of XXXX the amount of {$14000.00} was removed from my account and supposedly returned to California, although KYHC has no record of this Trans action-taking place. The banks actions had caused my account to go 4 months overdue. I was told that the Bank had sent me a contract that I need to sign ad return three times ( twice by XXXX and once by certified mail ) none of which I ever received. It became obvious to me that this was a blatant attempt on M & T bank to " force '' me into foreclosure. I had previously attempted to work with M & T bank to have my fixed interest rate ( which has been raised XXXX times to 6.875 % ) reduced sending them the required forms XXXX, only to be told that they required more documentation, and then to be bombarded with forms. I was finally offered a loan modification ( twice ) which consisted of lowering my principle and extending the life of the loan for three years which I declined, in writing and sent to a XXXX XXXX XXXX, although the bank said they never received it. It seems to me that M & T Bank has tried everything but what I would like them to do which is cut the interest rate. Now seeing as how I already have a signed contract, I have no intention of agreeing to or signing anything else, unless it has to do with lowering the interest rate I am currently being charged. I would also like the {$14000.00} located, and returned to my account, which will bring me current on my mortgage. Any assistance you can provide would be greatly appreciated. If any additional information is required, please feel free to contact me. 

Thank you
The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
I File a identity report XXXX XXXX XXXX at XXXX XXXX XXXX. The Equifax did not block the information and share copy of the information I sent them to creditor. which was copy social security card, driver license and the police report which is regulated by law. Secondary Dissemination of any kind is Prohibited and stamp on the police report.
I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.
XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
We have decided to sell our home and we had previously modified our loan. On our payoff there is {$57000.00} in lender paid expenses. Our current lender it collecting interest for the difference in our modification that was no where in the agreement we signed. We have moved due to work and have to get this sold and I've asked twice for the original modification and they can not provide it.
The borrower submitted a loss mitigation application to America 's Servicing Company ( " ASC '' ), which denied that application and communicated that decision in XXXX letters, each dated XXXX XXXX, 2015. The borrower, through counsel, appealed that denial on XXXX XXXX, 2015. ASC then denied that appeal by letter dated XXXX XXXX, 2015. The same personnel that reviewed the loss mitigation application and signed the XXXX XXXX denial letters also reviewed the appeal and signed the XXXX XXXX appeal denial letter.
I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.
I have been calling all day trying to make a payment, and the representitives continue to ask me personal questions that I should not have to answer and explain every time I call, I had a serious automobile accident in XXXX and have been behind on my payments evry since, it was 3 months, now Im down to just XXXX payment behind, I am asked XXXX personal questions every time I call and the represetitives act like debt collectors, very rude, will no transfer me to a supervisor, disconnect my call, etc, this is not professional, and I have spent over an hour trying to make a singke payment which should be a simple process, this is not acceptable
I previously worked for the XXXX. After retirement in the XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with XXXX for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.
Back in 2015 I had just opened a XXXX credit card account after a few months my mother got critically ill do to XXXX my credit card was still opened but I had stopped payment the card company called I set up payment arrangements the agreement was I pay the account off and the account would be in good standings. I set up auto pay and they received all moneys owed at the last payment the card was closed by creditor and the account was placed on my report as closed by creditor and charge off. This was not agree upon nor was I promised this during payment arrangements.
my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!
I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. 
Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. 
The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. 
As it is now, I can not make ends meet. 
Please help me resolve my dilemma. 
Thank you so very much for your time and consideration ...!!!
XXXX  2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report.   XXXX   XXXX  , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on   XXXX   XXXX  , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.
My bank account was Levied from an account I have never had. XXXX XXXX The notice was from 2011 this was 7 years ago and not they levied my account. 

According to the Timed Barred Debt with the States Attorney Generals office this is uncollectible. 

I do not owe this debt. 

I never had an account with XXXX XXXX
I called Citi Bank at XXXX and spoke to XXXX. XXXX said his supervisor said to call my dad 's bank to file a complaint and to call the police. Citi Bank accepted a wire for this account XXXX on X/X/16 in association with an XXXX Gold Scam. The account holder is XXXX XXXX XXXX the amount was {$22000.00} The address of the bank is XXXX XXXX XXXX, XXXX NY XXXX
I opened an XXXX XXXX card to build and outfit a XXXX store location and after 2 years of making payments on time and have XXXX issues with the company, they decreased my spending power from a {$20000.00} limit to the amount I owed, {$14000.00}. I currently have automatic payments scheduled. No good reason, no excuse, just a demand for half the amount due XXXX {$7000.00} XXXX before they 'd reinstate my normal limit. I have never missed a payment, always more than the amount due and until my store opened I always paid in full, tens of thousands lump sum payments. They had no response as to why have a {$20000.00} limit if it ca n't be approached. It seems I am not the only business owned they have done this to after finding reviews.This has crippled my new business to the point of failure if it does n't get resolved immediately. This is nothing short of extortion. 

My credit card bills can be submitted to you in another fashion, it would't upload the entire file. I selected a few for review.
I received a call from a XXXX stating she needed to verify my address to serve me with legal paper work. I called XXXX and spoke to a XXXX. She stated that the original company hired them to file legal charges of theft and intent to defraud and request my credit card information or banking information over the phone. I explained I was to comfortable giving that information over the phone. She then sais I had no choice that was the only way to keep them form filling charges.
Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )
My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.
XXXX petty deception still continues?! # I 'm not paying them or vantage sourcing, now these petty criminals referred it to north shore agency. SIMPLE, these petty XXXX thieves breached california laws of good faith and fair dealing. Especially their stuck on stuck balance billing. e.g. these idiots attempted to _fraudulently_ charge me an early termination fee for ( trying ) a XXXX tablet I sent back _dis-satisfied with and that phony 2 years contract I NEVER agreed to. Took these clowns 2 months to fix their intentional deceit/blunder. In the mean-time continue to balance bill me on this stupidity. These superficial derelicts need to be personally held accountable!!!!! Using their crammed/overcharges outrageous profits to pay there sloppy fraud and deceit. Is that XXXX paid out?! # I do n't owe verizon anything. What have you done with my formal complaint?
I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.