WillisBack/dataset-financial-user-claim huggingface dataset:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.
My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home.
I have received multiple phone calls from different numbers almost daily several times a day. Sometimes back to back with messages being left saying that they have filed to have any and all of my bank accounts seized and do not ignore their phone calls. Call them back immediately as a decision must be made or else further legal action will be taken against me. Sometimes they call saying they are calling on behalf of XXXX XXXX but leave very long detailed messages on my voicemail which is not proper nor is it lawful. They call me from various numbers like ( XXXX ) XXXX and tell me to call back XXXX they also call from ( XXXX ) XXXX, ( XXXX ) XXXX. They have also blocked their number on several occasions as well and left the same detailed message on my voicemail as well. They never say where they are calling from and just immediately begin to go into full detail about what ; s going to happen to me if I don't call them back. I have blocked several numbers but they will either call from a different number or block the number and call. They also call me all day long on Saturday Sunday from XXXX to almost XXXX XXXX XXXX XXXX. It is very frustrating and I know my rights. I wants this calls to stop immediately
Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

I have had multiple store cards. XXXX XXXX, XXXX XXXX Credit Card, XXXX, A credit card used for Health Care, and Walmart. I have always paid my cards on time. About a year ago, XXXX XXXX took over some of the company cards. when calling, the system identifies the customer by the phone you use to dial the customer service number. Unfortunately this has created a nightmare. When I called I was thinking I was connect to one card, but a different card was being addressed. I can not access the bills on line, I can not get them mailed to me, I can not access the bills on line, nor can I find charge ( paper or on line ) One customer service agent told me to use a different phone and then say I did not know my account number when I call and that would assure that the correct bills got paid. 

Every month I try to pay I have to call customer service. This started with XXXX XXXX about ago. I took out the card to purchase tires. After a month I did not get a bill. I called the store. They gave me a number to call. I was told it was emailed to me. I made a payment and they waived a fee. I was told the concern was resolved. The next month I called again. I again told them I check my spam, my inbox, my XXXX XXXX   and I never received a bill. I was charged late fees. I paid excess of minimum. Then again the next month when I called I was told that no payments were posted and there were late fees. I paid the bill in full and closed the account. This echos experiences with XXXX XXXX XXXX and XXXX. I have finally paid all of my XXXX XXXX   cards only to learn that my Walmart Card has been taken over by Synchrony. 

Regarding my XXXX XXXX XXXX card for two months I was told that they would correct the address and the concern that was prohibiting me from accessing my online account and to be able to see my bill. For two months this was not done. I have had my address corrected on the account since XX/XX/2017!! The computer does not acknowledge me current information so I can not access this on line. I then learned that the account I was making payments from was rejecting the ACH payment as possible fraud. ( For two months ) I did not know this because I never received a bill or any notice.

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

Thank you
Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise
I am authorized to handle the business for two loans recently paid in full where the mortgage account is in the estate of my father and stepmother. The escrow refund checks were made to the estate and sent to me. We no longer have an estate account closing the estate in XXXX. I asked Nationstar ( now Mr. Cooper ) to deposit the funds directly into the checking account used to pay the mortgages for both loans. This request was denied. I was never told it was denied until I called inquiring why the transfers were not completed. I was then told to resend the power of attorney document showing I was authorized to conduct business for the two loans. A company representative sent me an email on XX/XX/XXXX stating the information was received and the original checks would have stop payment and new checks would be issued in my name in 3 to 5 business days. I called today XX/XX/XXXX to check on the status and was told by a different representative she didn't see where the power of attorney was received and we could start the process all over again to get new checks. Please note that I sent this power of attorney document to this mortgage lender 1 to 2 years ago to gain access to the loans for conducting business. Also note the first loan was paid in full in XX/XX/XXXX. I am still waiting to close out the escrow account.
Hi, I am a home owner and this home was financed by a mortgage company on XX/XX/XXXX and the purchase was closed. During the time of the purchase I made 10 % down payment towards the mortage. On XX/XX/XXXX, I made a substantial and significant payment towards the principal and the LTV came down to 11.64 %. I am requesting the mortgage company to cancel my PMI based on the LTV and also have made a written request. But I am being constantly asked to perform an appraisal of the property or the date on which the PMI will expire is on XX/XX/XXXX which does not make sense to me. Because if I continue to make my mortgage payments as agreed the remaining loan balance will not stand until XX/XX/XXXX and will be paid of byXX/XX/XXXXor even before if I can make additional principal payments. The expiry date as they say is based on the original amortization and as I know the PMI has to be automatically cancelled when the LTV hits below 80 % and in my case it is right now at 11.64 %. I am requesting to cancel the PMI based on the original appraisal which happened about 8 months back in XX/XX/XXXXand even the county 's appraisal yearXX/XX/XXXX for the purposes of the property tax is higher than what it was during the time of purchase. I am wondering as per the HPA is it not a protocol to the lender to automatically cancel the PMI based on the LTV. And again the LTV is 11.64 % at the time of this writing and I am current on my mortgage payments and I had never missed a payment. The bottom line is why should I need to go for an appraisal when the LTV is at 11.64 % compared to the original appraisal of the property and I do not think that the new appraisal will be below the principal balance which is far low. I am in total loss as to what kind of eligibility requirements I am supposed to have for removing the PMI when the LTV is at 11.64 %.? 

Please advise me. 

Thanks for your time. 
XXXX
I have sent off several certified notarized letter to Experian, advising them to remove unverified information on my credit report. They are REQUIRED BY LAW to have a copy of my contract with MY WRITTEN SIGNATURE ON FILE AT ALL TIMES. They do not have a copy of a contract with my written signature on file for the items I have listed. They have been and CONTINUE TO BE IN VIOLATION OF FEDERAL LAW. 

This is a copy of my final letter sent to all three companies. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. There are three of the same items on each credit report that has not been removed. they are in violation of the law and have refused to removed those items even after being made aware of their violation. they do not have any documents on file with my original signature as verification of my alleged debt and they have not sent me any copies as proof.
This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance.
Then have been reporting me late for 7 months straight.
I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing
The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.
Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month
I am a Veteran. I Applied for mortgage loan with Quicken Loans in XXXX 2016. Was advised that FHA was best route for me to go based off fees and current market interest rates and my credit at the time. Was advised and lead to lock in interest rate to protect against possible market decline. But was assured if rates and market got better i would be able to take advantage of best situation. Sign a lock rate disclosure that expired on XXXX XXXX 2016 XXXX XXXX 2016 came and went loan not closed still processing. Mortgage market rates got lowered i was informed i was still locked in at previous higher rates due to an AUTOMATIC Rate Lock Extension ( never expressly disclosed or implied in any documents i had signed or received ) This AUTOMATIC rate lock was be expire in 15 days it did not. It AUTOMATICALLY extended for an additional 15 days then an additional 15 days then a additional 15 days. I inquired with several at QUICKEN my loan officer ( it just the way it is ) his supervisor ( this is the way we always do our rate locks ) and a customer solutions specialist ( aw i see where this could be confusing to a customer but this is the way it is ) At no time did anyone address that fact that this process of AUTOMATICALLY extended rate lock and not a allowing consumer to take advantage of better market pricing as a result of it addressed by anyone at Quicken. Please let me know if i am the last one to the party. As i feel that this practice is a violation of truth in lending laws and possible predatory lending practices as the bank have you at their mercy.
Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.
I sold my home XXXX/XXXX/XXXX. Bank of America Home Loans reported that my account was 90 days past due. Due to hurricane Irma Bank of America put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to Bank of America, XXXX, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
There is an account that has appeared on my credit file which is unknown and false. Please help XXXX XXXX XXXX # XXXX
Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! 
Bank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying " they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE
XXXX is negatively reporting a medical collection that does not belong to me. They have increased the amount and changed the location of the office but it 's still the same debt that was removed. XXXX is negatively reporting on my credit report with both Equifax and XXXX for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX. I do n't owe this debt I would like it removed from my credit report immediately. It should not have been reinserted in the first place.
XXXX 's is not allocating payments as requested and instead is applying them so they can collect interest. A payment of {$120.00} was made in XX/XX/XXXX and two phone requests were made to apply to promo balance, they didn't. My daughter wrote to the XXXX and they still didn't help. They just keep saying " that's the rules '' but I was told that payments can be allocated as requested if I call. I called twice. 

For XX/XX/XXXX, I made my daughter pay all of the balance because I am tired of calling XXXX XXXX. I thought if I pay the balance the rest has to pay the promo. Instead they charged interest. Interest on what? The balance is paid! This is not the first time this problem happens. I complained about this same problem to XXXX and CFPB in XX/XX/XXXX. XXXX 's continues to be horrible. This is why I don't shop there anymore and hopefully my daughter will stop too.
I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt
Wells Fargo keeps on verbally promising and not delivering. Wells Fargo has verbally told me that the short sale was approved, yet I have not received the short sale approval in writing. Wells Fargo  has not provided me with a contact person as required by law. Contact person phone number has been provided but person is unreachable and not returning calls. Please have Wells Fargo Comply  with Law and do what is promised.
Thank You Very Much!
On Behalf   of  XXXX   XXXX
My wife and I have been trying to work with our mortgage lender to re modify our monthly payments. The process has been quite lengthy in comparison to what the lender originally told us for how long it would take. For some time we have been submitting documents in multiples because of reasons the lender has given, such as "they could not read a letterhead". or "they did not receive a particular document". Our personal file has grown to some size with everything we have sent to them at their request. Also it seems as though we have been assigned to someone different every few weeks. They claim to have made calls to us but we do not have any record of them calling. If we needed to verify anything, it was my wife or I making the contact. During this entire time, we have been instructed by the representatives of the lender to not make any mortgage payments until we receive confirmation of the re-modification. We are asking for the re-modification due to our serious change in financial status.
I had filed a complaint against Key Bank XXXX XXXX Ohio. I sent it to The Federal reserve. They said to contact this branch. We have a boat we are trying to sell, We had a deposit on it in XXXX, we tried numerous times to contact them. We where behind XXXX or two months on payments, they would call us, but trying to get to someone who knew what was suppose to be done is clueless. The sale fell through, the buyer did n't want to wait any longer. We had it sold for {$28000.00}. Well now we have someone else gave the broker a deposit, he offered XXXX. Again with this bank, the buyer wants to get a title they say it takes XXXX90 days for the funds to clear. We are near losing this sale. We have lost our farm and instead of having the bank take the boat back we are trying to make payments. Well now that we filed a complaint against the bank a women who 's name is XXXX, said she would not talk to us, whatever they are going to do will be in writing. Is this ridiculous or what, this is why this country is in the shape it is in. So what do we do now, the bank, will not talk to us, the buyer wants to buy the boat. I have never in my life dealt with a stupid bank, none of the departments knows what the other is doing. What so I guess we wait and loose another sale. All the buyer wants is a bill of sale. In XXXX or 10 days. I thought this would be done, but since I contacted this agency and XXXX they will not talk to us. I want someone to know we are not wealthy but just would like someone in that bank make it right. So now we wait till a different department sends us a letter and we have no idea how long that will take. The bank did ok a short sale on this boat, but as I said it took the lose of XXXX sale and maybe the loss of another.