WillisBack/dataset-financial-user-claim huggingface dataset:
A foreclosure sale is set for this week. I have been awarded the family dominical that I live in and I have the Divorce Decree which states that. The bank will not cooperate in processing a transfer despite me forwarding all the proper documentation and applications correctly. The bank will not discuss the case with me. The bank has sent my mortgage to other banks during the process and has made it very difficult for me to fund an Attorney to organize release paperwork. I have XXXX Children and I rent an apartment to my elderly mother. All I want is to continue to be a good farther and son, maintain the family home properly, and pay the mortgage. My name is XXXX XXXX, the address is XXXX XXXX XXXX, XXXX, MA XXXX, phone XXXX. Loan is # XXXX with IndyMac Bank, XXXX Bank, XXXX Bank. All I want to do is pay the mortgage payments in my name and I have never been allowed to do so. I am a good farther and provide for my children daily and at the ages XXXX, XXXX and XXXX just getting over divorce. Loosing the stability of their childhood home could be threatening to their future. Also, displacing the my elderly mother a wonderful tennant.
On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account XXXX XXXX that does not belong to me and requesting a complete and thorough investigation by Equifax according to the FCRA and FDCPA which Equifax failed to do. Again on XX/XX/XXXX I sent another certified letter requesting another re-investigation which Equifax failed to do. Both letters were signed return receipt by XXXX XXXX. Within one week after my second letter dated XX/XX/XXXX I received my credit report from Equifax which stated that the account was already verified and so the charged off account, XXXX XXXX account remained on my credit report. I requested information from Equifax on how the investigations were completed based on the Fair Credit Reporting Act and all applicable laws and statutes that applies to my DISPUTE. Equifax failed to comply with these statutes and laws in regards to the disputed XXXX XXXX account. I made it very clear that the account does not belong to me. Based on Equifax erroneous reporting, I am not able to get a student loan to continue my education and this has caused me serious financial hardship and my ability to get an education and earn a living. I have enclosed and faxed all pertinent information as evidence. Equifax has ruined my life because of this inaccurate and erroneous information. ( XXXX XXXX account on my credit report ).
Ford motor credit continues to report a default from over 20 years ago. 
They need to remove this all together
I am in bankruptcy as of XX/XX/2015. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Another issue here is that we 've been monitoring our credit through XXXX and these lates never showed up. This lates are from XX/XX/XXXX and XX/XX/2015. We found them because of a hard credit inquiry on me personally for my business.
I am reporting for fraudulent activity with Bank of America. I was trying to make my credit card payment using Bank of America ATM located in XXXX, WA ( XXXX branch ) on XX/XX/2018. I deposited the cash into the ATM for at lease {$350.00} or more. The ATM did not process my payment and did not returned my money. I called the Bank of America customer service right away and they answered my call with 20~30 minutes hold time. I explained to them what happened and they told me that they will review the ATM and process the payment within 3~5 business day. I checked again on XX/XX/2018 to see if my payment has processed or not, but it didn't. I called them again and asked what happened. The customer service rep said there is no inquiries regarding my ATM deposit and they have not processed any investigation. I complained and asked them what happened to my money. She said she has no clue and she will request for inquiries. Now it's XX/XX/18 and still no payment has been processed. I made additional payment using my other bank 's checking account, and that processed right away. Bank of America took my money and not returning nor processing the payment. If I didn't made additional payment using other bank 's checking account, they would've probably charged late fees, additional interest charges and so forth. If i don't contact the CFPB, they will never gon na return my money or process the payment. This credit card is not free. I paid like {$99.00} annual fee. I didn't signed up for this XXXX.
ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. EXPERIAN 3. XXXX  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 first investigation and subsequent reinvestigation, 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.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX Account XXXX XXXX XXXX  XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX
Collections by MRS acct # XXXX, identity fraud. Other fraudulent names listed on my credit report.
Last week Rushcard did a system update in which all cards would be down for a couple of hours. After said time my account has not been correct. I was suppose to get my direct deposit on that wendesday and it is now the following Tuesday and my deposit is still not in my account. I continue to call yet very time I mention direct deposit I get hung up on. I have been without gas and food in my house. Bills are being to be late and my rent is about to be due. On eve I do finally get to speak to someone they ca n't tell me anything that is going on except they are trying to fix the issue.
THIS ACOUNT SHOWED UNDER MY TRANSUNION AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
My original Mortgage was 2 countrywide XXXX   mortgages. a First and a Heloc second mortgage. The loans were taken over by Bank of America. 

I have the Lien Release for the First Mortgage loan # XXXX I have been struggling for years to get the Lien Release for the Second Mortgage, a Helco loan # XXXX. This mortgage is lost. BOA can't find it. 

Bank of America does not respond to my fax and telephone requests to Send a Lien Release even though I have a letter from Bank of America stating it was paid off in XX/XX/XXXX. 
I have faxed them the documents, and they do not respond. Bank of America tells me there is no loan # XXXX. 

I am nearing the end of my current refi and I must have this Lien Release to have my refi go through. Interest rates are rising as I try to complete it and close on XX/XX/XXXX. 

Bank of America is not responding to me at all! I can not get title insurance on my property because they can not find my loan number. 

I need a Lien Release so my refi can be completed by XX/XX/XXXX. 

Bank of America Lien Release dept. XXXX I spoke to XXXX once. She asked for so I faxed her the documents 3 times to Fax XXXX. I got 3 confirmations on my end that they went through. 
XXXX said her phone extension is XXXX ext XXXX. I have been told by others they do not have extension numbers! XXXX or all others at Bank of America to not get back to me at all!!! 

Please, I need help! This has been going on for Years with this lost Helco mortgage and I do have the letter from Bank of America saying it is paid off. This is all I have.
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
XXXX Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc
Equifax deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX  a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I was charged an annual fee on my credit card. 
Within 30 days I changed the card to a no annual fee. 
They refused to credit the annual. 
This is totally wrong. how can they charge me an annual fee for a service that I dont have?
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. There are multiple inaccuracies with this account and with the way it's reporting and would like it to be removed immediately from my credit report. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report
My mom is an authorized user on my Belk account. She paid {$250.00} on my card on XX/XX/XXXX and was given a receipt to verify the payment. Normally, when making a payment in the store, the payment is posted to the account immediately. However, the store was having a large sale ( Charity sale ), so the cashier told her it may take a few hours for the payment to post. It NEVER posted! I checked my account on-line XX/XX/XXXX and it STILL had not posted. However, the check cleared the bank on XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX XXXX, stating a payment to my account was posted. So again, I checked online, to view the available credit and payments on my account. It showed no minimum payment due and the " last payment of {$250.00} was paid on XX/XX/XXXX ''. However, the payment STILL was not applied to my account balance. I rechecked again today, thinking it may update within 24 hours ( which has never had to do ), but the payment STILL has not been credited to my account!! I have filed their forms to report a missing payment, but to date, I have not received a response.
I disputed this account information starting XX/XX/XXXX- XX/XX/XXXX. The  account is aged and needs to be removed. It's been removed from XXXX but still remains on Equifax and XXXX.
This is approximately the 3rd or 4th agency that this alleged debt has been to. I've disputed this over and over. I've issued a cease and desist order numerous times to XXXX XXXX XXXX, but they continue to call me from unknown numbers daily, and continue to send correspondence, including today. They violate the law daily. 
Please address them They have a previous finding with the CFPB already.
I can not get a statement nor could I get a payment mailing address until after the first payment was due.
This company calls me everyday at XXXX XXXX XXXX XXXX XXXX, repeated calls daily even after i arranged payments on XX/XX/XXXX and was told to call back in two weeks. On XX/XX/XXXX i received 3 calls in 2 hours from this company! Each time i answer its someone always saying they have to make a note because  they dont see the other notes.
I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.
For quite some time USAA BANK has operated illegally with debit card issues, credit card issues, banking issues, checking account issues, savings account issues, WORST CUSTOMER SERVICE in the world and BAD FAITH INSURANCE ISSUES. They lie cheat and steal and overall are nothing more than immoral consumer haters.
Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.
ON  XXXX / XXXX / XXXX   PNC B ank reported me to  XXXX  for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the  XXXX  report from  PNC  Bank, I was unable to open a new checking account When I found out tha t PNC  placed me in the  XXXX  I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the   XXXX   report. That  Relief  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  PNC Bank Previously Confirmed  to  XXXX  the suspected Fraud was accurate and Verified it as accurate to my dispute with   XXXX  . on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected Fraud. Documentation of how such said suspected fraud was committed. I have also asked for  PNC  Bank to give me  PNC B anks    XXXX     Reporting policies of how they report customers to  XXXX  and the procedures they must follow. To Date, I have gotten Nothing From PNC Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from PNC Banks Report of me in    XXXX
I received a copy of my credit report and I have noticed that XXXX XXXX XXXX, and XXXX XXXX XXXX/XXXX is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
In XX/XX/XXXX, my credit limit was reduced from approx. {$1600.00} to {$850.00}. I was approved for the XXXX XXXX credit card over 4 years ago and worked very hard to keep my account in good standing. Until my accident and subsequent care from XX/XX/XXXX to XX/XX/XXXX, my account had received several credit limit increases due to my account being in good standing. During this time, my sister contacted this company and informed them of the situation. Although my card was at a XXXX   balance in XX/XX/XXXX and XX/XX/XXXX, and the account was not delinquent, after using it in XX/XX/XXXX, my credit limit was decreased with no notification. This negative action also lowered my credit score which caused the same bank to lower the credit limit on my XXXXXXXX XXXX XXXXXXXX credit card from {$250.00} to {$100.00} after having this credit limit for approx. 4 years with good payment history. The only reason I was given was the decision had nothing to do with my account history with this company. There are some things on my credit report that I am fighting to remove due to fraud, but the actions of this company also negatively affected my credit unnecessarily and it should not have when I did make my payments on time.
On XX/XX/XXXX Citibank Credit Card notified me via of unusual charges. I reviewed them and completed their online dispute form they provided. My card had been stolen and used to quickly charge over {$2000.00}. 
They closed the account and swiftly provided new cards. This is the only thing they did fast. 
XX/XX/XXXX The fraudulent charges were moved to the new card. I called and was assured by the phone rep that all would be well and it takes about 30 days to resolve. 
XX/XX/XXXX -nothing. So I called again. " XXXX '' ( Citi policy prohibits providing last names ) Says no disputed charges appear. We reviewed everything again, including each bad charge. She provided case # XXXX. She indicated that it had not been handled properly by the previous rep. She stated on a recorded line ( I asked if it was recorded and she said yes. ) that all should be handled in a few days. 
XX/XX/XXXX Citi emails me a standard template saying that due to the billing dispute my minimum payment due to be $ XXXX.I read this to mean no interest will be charged if I pay {$25.00}, but it is not clearly stated. 
XX/XX/XXXX I get a voicemail from Citi Security " XXXX '' regarding my case. I call back and another rep asks me standard questions like where was the card stolen, re-confirms the bad charges etc. Says, ok, that in a few days the charges will be removed from my account. 
XX/XX/XXXX charges remain on the account. No word from Citi. I also notice that an email I sent them on XX/XX/XXXX remains " unread '' in the Citi online message center. 

They have botched this to such a degree its just sad. They made sure I got a new card right away, but are dragging their feet to address the fraud charges.