WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN
XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME
This company tries to intimidate, leaves threatening messages with false information and has called relatives of mine several times, even after being told to not call because I dont speak to most of my family.
They never sent me substantiated records of services rendered ... .nor did they offer flexible payment options.. before damaging a 40 year old XXXX credit rating .
My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.
Equifax is not doing an investigation that has anything to do with my complaint and they are denying me access to my credit report to the point where I can not even see my old dispute results. I answer everything correctly over and over again and then my access is blocked regardless! I reported the transaction that went unnoticed by me with XXXX as fraudulent and I initiated a fraud alert because the incriminating charges were not made by me and subsequently went unnoticed and when XXXX # XXXX reversed it all they forgot to reverse the revolving interest which threw my account to 30 day late from XX/XX/2014, which is fraud. it is NOT 30 days ; ate because it was A FRAUDULENT TRANSACTION! The same goes for the XXXX XXXX account # XXXX, it does not belong to me and was fraud! they can verify information until the world ends but these were FRAUDULENT and reported as such, so that makes it inaccurate and it makes EQUIFAX incompetent in their investigations and also incomplete! I have had no issues placing the fraud alerts and having these accounts removed with XXXX and XXXX, so why is Equifax giving me such problems!
chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.
I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.
I paid this debt in XX/XX/2018 and was sent a paid in full letter by their 3rd party collection agency. I followed their protocol and waited the time period for the debt to be updated to all 3 credit bureaus as paid, however, it is still being reflect on credit as unpaid. I have sent numerous fax, made countless calls, and sent a certified letter to XXXX XXXX and Experian with the proof of the paid in full letter. I have disputed this debt several times with the credit bureaus and provided the paid in full letter as proof.
There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
My name is XXXX XXXX in XXXX I bought a home in XXXX CA and it cost me {$570000.00}. I fell for the interest only for five years and in XXXX, I was able to refinance through XXXX Bank. For the past 4 years, I have never been late. I always pay my mortgage on time and pay extra on the principle. in XXXX, XXXX sold my home to a Debt Collection agency named Bay View. This agency uses fraudulent accounting systems. Every month I send extra money to pay off the principle, they set the money aside stating just incase I do not send full payment. When I use the phone to talk to them, the amount noted by phone that they received is thousands of dollars less than what I send. My payment is {$2000.00} per month and I send it {$3500.00}. I make the statement reflect that {$1500.00} if for additional principle payment reduction. Since XXXX of last year, each statement I receive does not reflect the additional principle until I call and have a great amount of XXXX to the point that I am on medication in order to deal with the XXXX they are causing me. In addition, there online service is so useless. I tried to send them an email and it did not go through. I tried to file a complaint, the complaint form was not available. It has been 12 months since I have been living in this nightmare called Bayview Collection Agency. I did not authorize XXXX to sell my home to BayView and Bayview is not a bank. It is a debt collection agency making me feel that they will eventually make me lose my home. They charge me interest on the higher amount instead of the amount after the principle is reduced. I sent {$3000.00} for the month of XXXX and XXXX of XXXX to be paid on the principle and they are holding my money into a special account. This is against the law. I am trying to pay off my home sooner so I do not have to deal with their fraudulent calculation. Can you please help me? 
I am so XXXX and feel they are ripping me off. They are not available to speak to on Sundays when I usually get a chance to finally check my mail. I work out of town and sometimes I do not get the mail during the week. You can call me on my cell phone XXXX XXXX XXXX XXXX. I wonder how many home owners in the state of California are not able to pay their principle down if they choose to do so. How do I get my account from under a debt collection? Who do I call? Do I have to pay a fee to get rid of this unethical agency? Is it legal for them to hold my money and not apply it to the principle as I ask? Is it against the law to pay my principle down? I am living a night mare and I am severely sick and ca n't possibly function knowing that there is an agency out there that is ripping me off. I work very hard even though I am legally XXXX. Can you please investigate this agency? And see what can I do to get my loan with a bank that will help me lower my monthly payment?
I need for this bank to remove XXXX late payments that they have posted on my credit report. I am still in bussiness with them and I do n't remember ever paying late. Also, this is creating a harship in my credit and I love purchasing goods with all the cards associated with this bank. I believe is XXXX XXXX, XXXX XXXX, and New York and Company. I am still a good costumer and I should believe I should be given the forgivieness of thos late payments and to please be remove from my credit report.
Experian Dispute was opened on XX/XX/XXXX with claims of inaccurate information on account credit report under XXXX XXXX XXXX. The original account, which was sold to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX contacted the account holder and the account was settled on XX/XX/XXXX. XXXX XXXX XXXX did not properly report to XXXX XXXX XXXX and/or the Credit Bureau Reporting Agencies that the account was taken over by XXXX XXXX XXXX and settled with the customer XX/XX/XXXX. 

The results from XXXX XXXX through the Experian dispute came back with results allowing XXXX XXXX to add a " FAILED TO PAY '' mark on the XX/XX/XXXX month of the XXXX XXXX Experian account that was closed on XX/XX/XXXX and settled by XXXX XXXX XX/XX/XXXX. 

FALSE REPORTING A dispute against the result from Experian, came back with no results. Report number XXXX. 
A complaint was submitted to CFPB against both XXXX XXXX and XXXX XXXX. Complaint ID XXXX. 

CFPB Complaint ID # XXXX resulted with no results from XXXX XXXX and a letter from XXXX XXXX stating that they reported to all three agengies to remove the collection tradeline for the consumers account number associated with XXXX XXXX. Please review all documents that have been uploaded with this dispute.
This is a continuation of my original complaint CFPB # XXXX from XXXX. I received a letter from the creditor agreeing with everything as I requested which I am unable to locate at this time. They corrected my report with XXXX but now it is showing up on Experian. Despite my efforts, I have not been able to correct Experian. I have attached copies of my original correspondence. Please help if you can.
I received a phone call on or about XXXX XXXX, 2015 around XXXX from Diversified Consultants about an alleged XXXX bill. I told them that I have no knowledge and further communications with me need to be written and sent through the US Mail. 

I received a collection letter from Diversified Consultants on XXXX XXXX, 2015 that was dated XXXX XXXX, 2015. 

I sent a validation letter to Diversified Consultants on XXXX XXXX, 2015 via certified mail, return receipt. It was received on XXXX XXXX, 2015. 

I was notified that a collection account was added to my consumer credit reports today by my credit monitoring service. When I looked, it was back dated XXXX XXXX, 2015. 

They are willfully violating Section 809 of the FDCPA and I fully intend to seek relief and monetary damages under the above mentioned statute.
Collections manager came out and gave loan information to family member without my consent as well as showing court paperwork to them while i was asleep.
To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. 
I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. 
I am politely asking that this account be removed from my credit reports until they are able to figure this out.
This is the continuation of efforts of the credit reporting agency to increase profits, regardless of verification of item, to ensure that they can continue to evade the required verification, they restrict disputes through their website or other means, while maintaining inaccurate information. The social security administration in 2005 found that they issued the same information and social security number to XXXX liked named information, in such, per the name changed for the record, and thru the SSA, my name is XXXX XXXX. Experian still regardless of the fact that the name listed on my credit report to my social security number, still maintains the inaccurate information, and thereby maintains and lists information on my credit report from the inaccurate person. In their response to dispute they inform that the verification is their paying corporations, and that whether actual verification of not to the true identity, their paying corporations are superior to factual verification. I herein state that if they remove the inaccurate, names that appear to my credit profile, then all the inaccurate credit entries, inaccurate inquiries associated with those names, then all of my credit disputes would be satisfied. Experian avoids compliance by denying consumers the right to dispute, which inofitself violates the standards of fair and accurate reporting. I herein request that they remove all names that do n't verify with my assigned social security number, and all inquiries that are n't associated with my actual name and identity based upon the issued and assigned social security number.
I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section 609 as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section 611 and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section 1681, whereas Congress states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? Congress also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 

I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
Thanks,
I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.