WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX year old widow whose loan wnet into default during my prolonged illness. I reached out to the mortgage company OCWEN LOAN Servicing and requested a loss mitigation packet. I did receive this packet and submitted a loss mitigation application in late XX/XX/2018 and received a response letter in XX/XX/2018 that the modification was denied. The stated reason for the denial was that in did not meet the proprietary requirements of the lender or the investor. And that NO resolution was possible. Since then, I have started to receive notices from the XXXX XXXX XXXX indicating that my deceased husband 's name was still on the loan and they needed to appoint a PR to open and close his interest in the property through an estate. Due to my illness, I missed the court date and the lawyer for their firm was appointed. Since then I have pleaded with the mortgage company to give us ( my daughter is assisting me with trying to resolve the matter ) a reasonable workout plan based on the default of $ XXXX ( at the time XX/XX/2018 ) it has now grown to a delinquency of {$78.00} XXXX ( XX/XX/2018 ) to no avail. They said that a 36 month delinquency left them with an only option of collecting the full amount for reinstatement of the LOAN. In the meantime, on XX/XX/2018 I received the court copies that the request to foreclose has been filed under CASE NUMBER XXXXXXXX-dated XX/XX/XXXX18.
i was contacted by XXXX XX/XX/2016 stating they bought a debt from Capital one that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.
They stated when i picked up the phone they were going to have picked up with a court order and they said if right now at this moment i do n't give the account number and set up arraignements they would take me to court.
They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.
MoneyLion checking account Cant activate my debit card that was mailed to me ... Cant transfer funds to linked external banking account ... {$500.00} was direct deposited on Friday XX/XX/XXXX ... Still cant access funds ... checking account currently has {$620.00} in it and I have no way to access it ...
Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.
I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.
DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX )
I sent Western Union money order to XXXX XXXX. I received a letter from Western Union tha it was never picked up. And they would send the amount back to me. It has been several years and I have never received the above {$300.00} to me. 
Whats next?
This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner. 

She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it. 

I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours. 

They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay. 

My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.
The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ...
A per standard advice I have put a credit freeze on my Equifax account. 
I should be able to suspend this by going to my.equifax.com. I have been unable to access this account. 
Equifax states that my account is locked and they are looking into the matter, and it would be corrected within 7-10 days. It has been 3 weeks, and in spite of numerous calls to them the problem is unresolved
To whom it may concern this complaint is in regards to XXXX XXXX reporting to my credit file for acct # XXXX. I have never received an initial letter allowing me to dispute this account and its inaccuracies pertaining to me supposedly owing this dept. Upon doing further research I discovered that XXXX XXXX is NOT bonded in the State Of California with Californias Secretary of State to attempt to collect debts on behalf of any creditor. It is illegal to do so if you are not bonded in this state. I am requesting that said items be deleted from my XXXX XXXX, and XXXX credit files immediately sice you have no authorization to do bussiness or operate in the state of California.
XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.
I have a HELOC with PNC Bank with a credit line of XXXX, the current balance on XX/XX/XXXX was approximately 25k which left plenty of available funds to use. On XX/XX/XXXX I received a call from my contractor indicating a check I provided to him was declined by PNC for non sufficient funds for approximately 17k. I contacted PNC and was advised by the first CSR my account was past due, when in fact a payment of over {$3000.00} was made the week before, in addition my account is on automatic payments. I was then transferred to the Collections Dept where I was then told my account was current and they didn't have any other explanation why I couldn't use my account other than " PNC was going through system issues with their recent conversion of account numbers ''. I was then transferred to a manager whom also had no clue why I couldn't use my funds. I then contacted my local PNC bank and was given no further information other than my account was " locked ''. We spent several hours on the phone to not be provided any clear information or even less a sincere apology from PNC. The issue has since been resolved after several days of the unknown from the bank. I would expect PNC to at minimum provide some sort of compensation to me or my PNC account for my time away from work and on the phone w/ them and an apology for their lack of empathy regarding an issue that was caused by PNC .
I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under   XXXX   XXXX   from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.
On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.
i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.
After a lengthly phone conversation in XXXX with somebody claiming to be from XXXX ( the XXXX I work for ) and from the Bank of Omaha, I was sent a pair of credit cards for my wife and i which I was not expecting, and there was a balance transfer of over {$2000.00} which they claimed came from my credit union and I never authorized. Got a letter on XX/XX/XXXX19 saying the balance transfer exceeded my credit limit. Credit union has no record of any balance transfer, but now this credit card company wants me to pay it, and the interest rate shoots from 0 % up to 24 % in two months! Got that letter XX/XX/XXXX19,  followed shortly by the two unsolicited credit cards.This puts my ( and my wife 's ) credit in jeopardy and is absolute fraud and theft! Shutting down all access to my accounts, big inconvenience and hours on the phone is what will become of all this. Called the XXXX XXXX number listed on the card, and some very rude customer service man there said I owe the {$2000.00} and that was that. Spoke to XXXX from the fraud department at bank of Omaha and she recommended I file this complaint! Currently have not received a statement from this company, and will not be paying it if I do.
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. Then I see another error with Transunion showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over
I have been in correspondence with Experian for the past three months regarding inaccuracies and errors that i believe are fraud. I have aked that these items be removed
In XXXX, I opened a Bank of America checking account. In XXXX XXXX, while watching XXXX footage I decided to join the XXXX. After joining, I visited my local branch office in XXXX, XXXX and spoke to a representative. I provided them with my XXXX to show that I was XXXX XXXX XXXX and deploying. I requested and completed paperwork for my checking, savings, and credit cards to be converted to Military accounts. This conversion would have given me specific benefits that save me a lot of money while over seas and banking. Over the many years that have past, I continued using my bank of America products, such as my debit card. As a loyal member, I never second guessed the bank. I simply did n't have the time to check on my statements and was preoccupied with other important issues, within the Military. Worrying about my bank statements was the last thing on my mind. Recently, I was approved to come home ( USA ) and I settled in XXXX. After buying my home and getting married, I had the peace of mind to sit down and review years of financial statements. When I logged in to my bank of America accounts, I was stunned to learn that I did n't have access to more than several months of information. I began looking through the information I had available. I noticed there were so many fees. There were maintenance fees, International Transaction fees, ATM fees from over seas, overdraft protection fees, and it almost seemed as if there were fees for having too many fees. I called the bank and requested my account be closed, after 11 years of membership. I was told by the representative that my account had never been processed to reflect it was a Military account. This failure to complete that process, meant that I did n't receive the benefits of a Military account. The representative quickly reimbursed me for maintenance fees for this month only. I was informed that I should not have been subject to any fees, specifically maintenance fees of unknown amounts ( as the fee price has fluctuated over my tenure as a member ) and transaction fees, as well. Not to mention, she stated that ATM fees should have been waived too. She quickly transferred me to the Military Department. The new representative agreed that the Military accounts have specific benefits which civilian accounts do n't share. But, unlike the first representative he refused to tell me what those benefits might be. Instead, he asked me to wait a few days, while they reviewed the account to determine which benefits they will approve for me. I was appalled, as the benefits should be what they are, despite the current status of my account. I felt as though they wanted to review what their liability was and then pick and choose what they will reimburse me for. I asked that he explain the benefits and he continued to refuse.
It is a XXXX Bill that they had told me. I did not make that bill. I have told them over and over. I did n't make that bill. I want it off my credit report.