WillisBack/dataset-financial-user-claim huggingface dataset:
I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices.
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.
I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. 

I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.
XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  Property was missing critical and costly disclosures to new owners ; There exists a  4  foot diameter by  30  foot length pipe in a very long easement on the property. Former owners should have disclosed the problem area and future maintenance obligation. New owners are stuck with a sinkhole and a failing and costly Storm pipe repair. Will title insurance protect us from these costs? This seems like a huge ethical issue going forward. New buyers in my neighborhood should be informed of this huge cost before purchases, not after.
I hired Shoreview Financial XX/XX/2014 to modify my mortgage and paid them {$3000.00} up front to do so. The agreement was that they would exhaust all possibilities of a modification, and if they were unsuccessful, they would refund me the {$3000.00}. We had numerous denials in the past 24 months and were asked if we wanted to continue and we decided a refund was appropriate. I was told I would receive one within the week, never did. I called and was told I was n't forgotten and it should be another week or two. I called after that duration of time and received an email in response saying that the company was " shutting down '' but would be sure to pay me what I was owed. I waited another week and called again and I was told that they had no idea when I would actually be paid, and if any company ever told me that they could modify my mortgage for a fee to " run in the other direction, '' because if THEY could n't deliver, then NOONE would be able to. I am still having trouble contacting anyone and have not heard anything more about my refund.
I filed Bankruptcy in XX/XX/XXXX, at the time my student loan with THECB was in forebearance. Upon the filing of my bankruptcy my loan was continued into another bankruptcy. I had not had any correspondence with THECB since XXXX   of XXXX. Towards the end of XX/XX/XXXX a representative from THECB contacted me in regards to my account being past due. I advised her that I had no knowledge of this information and would like to request for my loans to be put into forbearance or Income Based Repayment plan because I was not employed and on government assistance. The agent then stated she was willing to submit my request. After about two weeks, now XX/XX/XXXX I received another call from a gentleman with THECB requesting me to pay my balance. I did advise him that my loans should have been in forbearance due to the previous conversation I had with the last representative. He informed me that the last representative did not actually put me in forbearance and that I was misinformed, I would have to fill out a general postponement form for that. The following week I faxed XXXX the general postponement form. I did not hear from anyone else after this so I contacted them again XX/XX/XXXX requesting more information on my forbearance the representative stated they had not processed my request and to check back with them in the next week or so. I contacted XXXX on XX/XX/XXXX after I received a letter stating my forbearance request was denied. I asked them why they denied it and they said my loan was in default. After continuous attempts of communicating with XXXX over a three month period not one single representative told me my loans were in default nor approaching default. I wrote a letter to XXXX dated XX/XX/XXXX to their executive management team requesting them to remove my account out of default because I had been communicating and trying to resolve the past due loan with a payment plan or forbearance that could work for me since I was unemployed. The letter I received back from XXXX was to contact the credit burearus for any disputes. I was not disputing anything but simply trying to get my loans in a proper repayment plan. I contacted XXXX again XX/XX/XXXX and still received no assistance from this company only a request to pay them over {$5000.00}.
This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
The problem involves the Bank of America checking account holders contact line. I realize that consumers bring more serious problems to you, but I think this problem should be documented as well.
I manage the finances of my former husband, who has a XXXX XXXX My name has been added to his checking account. A new fee has shown up on his statement this month, and today on the morning of XXXX XXXX, 2017 I 'm trying to find out what it 's for. I spent 25 minutes on hold and finally had to hang up. I 'm in a location where my cell does n't work, and I had to make calls for work. I 'm back on this landline now, waiting for them to pick up, and it 's been another 20 minutes of waiting so far.
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Their answering message notes that this is the day after a holiday and there may be long waits on this line. Why, with a company with as much money as BOA, did they not then add staff to handle expected excess calls? People need work. They could fill extra positions with OT, per diem, or regular part time help, if that is the flexibility the bank feels it needs.
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Today is not particularly unusual. I routinely wait at least 15 minutes for anyone at BOA to pick up.
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It 's frankly abusive that a huge multinational corporation refuses to staff adequately in order to be minimally responsive to depositors. I have work responsibilities. I am also a XXXX XXXX. I started my work day two hours early today ( and what a blessing, that my current job allows me this flexibility ), in order to be available to take my former husband to two medical appointments later this afternoon. And yet BOA thinks it 's just fine to keep their staff numbers low and leave it to me, the consumer, to pay with MY time in order to ask them a question that is specific to our account and is not answered in their online FAQs.
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30 minutes and counting.
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Thank you for all that you do.
I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.
on  XXXX   XXXX     2017  my local Chase branch in  XXXX  Colorado closed my checking and savings accounts without warning. I was denied a withdrawal request from the atm at the branch. I immediately went to my branch and was informed that my acct had been placed on restriction, no funds were available, and that they did not want to do business with me any longer. i asked why and they said they could n't tell me.   I received a letter dated  XXXX / XXXX / 2017  ( see attached ) claiming that my accounts were blocked because they had n't received the information they had requested. what information?. i received no request.   On  XXXX   XXXX  i went to my chase branch and was allowed to withdraw {$370.00}. chase confiscated the rest of my money totaling {$1400. 00} ( ban k statements attached ) Also on  XXXX / XXXX /   2017  i received a letter from chase fraud recov ery ( copy attached ) informing me that there had been fraud in my acct and that they were taking {$1400.00} to  cover their loss. For questions i was to call  XXXX   XXXX  at  XXXX  Ive called him 6 times, neve r got through, left 6 messages with no return call from him. Als o on the  XXXX  i received a letter from cha se executive office informing me again that chase had the right to take my money and close my a ccounts. On  XXXX / XXXX / 17 , i spoke to  XXXX  at chase  complaint center. She said she would have a senior rep call me in 24-48 hrs to help me. As usual  NO CALL since. I am innocent of any wrong doing and chase refuses to cooperate so that i can recover my funds and clear my name As i state in my letter to chase of  XXXX / XXXX / 2017  this is the most shabby, unprofessional treatment Ive ever had. this reeks of a cover up and an " inside job ''! I expect prompt attention and assistance from chase to uncover the cause of my loss. Lacking their cooperation i will take whatever steps necessary to expose their bullying to the public and to the Colorado attorney general.
We are involved in an active state mediation program with Bank of America. The attached statement from Bank of America indicates that the loan is in the foreclosure process on page XXXX and XXXX. On page XXXX indicates that Bank of America , N.A . has made the first notice or filing required by law for foreclosure. This is a dual tracking violation to be threatening foreclosure while we are in active mediation. 
Please cross reference with previous complaint case against Bank of America, case # XXXX.
I 'm certain that Nationstar figured out my account wrong and the payoff - deducted and paid from the Escrow Company to NS - was incorrect in a significant way. If not refunded I 'll file a lawsuit against Nationstar with the State Bar of California. 

With Letter from XX/XX/2016 and XX/XX/2016 " Changes to Your Mortgage Interest Rate and Payments ( see attachments ) I get the information that my monthly payments are now {$2300.00} I paid this amount the entire year 2016 month for month. 
The statement shows clear that this amount contains the payments for PRINCIPLE, INTEREST and ESCROW! Payments were made in time. 

In the " Mortgage Payoff Statement '' from XX/XX/2016 Nationstar charged additional {$9.00} on Interest, XXXX for Escrow advances and {$5.00} for 'paid Expenses ' ( such one are included in the escrow account ). 
As a result the amount of {$22.00} can not be added to the unpaid principal balance and have to be refunded incl. Interests! 

I was calling several times, wrote several letters and an email ( which was delivered! ) but get never a corrected statement. This " Customer Service practices '' is shown in many complaints against NS. I get only a meaningless letter! The mentioned amount of about $ XXXX was paid via Escrow with the sale of my house in XXXX in addition to the Principal Balance. 

Nationstar : If you not refund the full amount I 'm asking you for separated, detailed breakdowns of each item in the payoff statement ( Principle, Interest and Escrow account ), also a detailed statement from all payments Nationstar get monthly for this account : mortgage payments, additional mortgage payments over the last year and the payments from my Trustee to Nationstar. 

A Civil Suit with the State Bar of California ( with the request of a general audit of this NS practices ) will be filed if the case is not solved within 15 days.
I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to XXXX XXXX. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with XXXX XXXX on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by Credco. On XX/XX/18 I contacted XXXX XXXX with XXXX XXXX via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from XXXX XXXX.
XXXX XXXX Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX XXXX This man has called my office multiple times a day, Called my employees multiple times a day. called my cell phone multiple times a day, called my elderly parents, my brother every family members concerning a business debt that none of my family are involved in, he has been harassing us for over 2 weeks now with phone calls and emails as well.
I received my credit report and Sallie Mae is reporting my student loan in XX/XX/2010 late and reported me as 90 days past due. Now, there are NO other months reporting my account late. Just XX/XX/2010. How can I be 90 days late, if they are not showing any other months being late. I called and talked to Sallie Mae several times and they keeping telling me, that the information is correct and there is nothing they can do. 
How can I be 90 days past due, when there are NO other months showing me late? 
My credit has been ruined because of this. 
Please help me solve this problem, and get my credit restored. 

XXXX
I opened an account with coinbase.Com and XXXX  XXXX XXXX XXXX is owned by coinbase. 
I believe I opened the account in XXXX or early XXXX, I wired XXXX XXXX dollars in XXXX transactions. 
With that I purchased XXXX bit coins, XXXX etheric and approximately XXXX light coins. 
That was on XXXX XXXX I first purchased XXXX bit coin and XXXX or XXXX light coin on coinbase I than sent another XXXX to XXXX XXXX wired to finish my purchases of which I still have approximately XXXX or XXXX in us dollars still availible in my XXXX XXXX account. 
On XXXX XXXX XXXX I tried going on to my accounts and it said contact coinbase something expired. 
I called the so called support and confirmed my account was frozen, with no explaination I was told I 'd be contacted by support by email, nothing came so I again called and go the same runaround support will contact me. 
So today XXXX XXXX XXXX I called again and was told the more I call the longer I will wait. 
I also received XXXX bit cash coins as bit coin split, my account value as of today is Approximately bit coin XXXX Ethereum. XXXX Light coin. XXXX Bit cash. XXXX Grand total. XXXX us dollar value I so annoyed I ca n't trade no explanation I 'm missing out on fluctuations
LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX
On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Bank of America ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to " refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing " happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Bank of America is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at BoA ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. 
The customer service at Bank of America has caused me many problems and money, and this is just the latest issue! 
XXXX XXXX XXXX
I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017