WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I have had a XXXX XXXX, Bank of America Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called BOA and was informed that my account was closed and after days of phone calls, I was informed that " it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of BOA and their unjust account closure and criminal act of stealing my reward points. Thank You.
CMS did not address inaccurate credit reporting. I do not have an open mortgage account with Carrington Mortgage Services as of XXXX The account last activity is not XX/XX/XXXX but XX/XX/XXXX. The account does not have a past due amount but has a XXXX balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX, and Paid Off/Closed XX/XX/XXXX. However, CMS did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information since XX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several CMS representatives on several occasions. One CMS representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX, XXXX, and XXXX. The company failed to resolve.
My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications. 
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck. 
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help. 
XXXX and XXXX XXXX PHH Mtg LN # XXXX
THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.
My home mortgage is with Wells Fargo. I notified Wells Fargo in XX/XX/XXXX that I was put on XXXX in XX/XX/XXXX and I had executed all savings to provide for my family. At that time Wells Fargo stated a home modification was the best way to get caught up for the couple months I was behind. I completed the trial period as they asked even though my income was less than half of what I needed to qualify for the original loan in the first place. I then waited for new paperwork for over 45 days. The first set came. HUD partial claim included arrears as if I never made any payments on the trial or after while I was waiting for paperwork. I called and Wells Fargo agreed there was an error and said they would investigate. Two weeks later I received a call from the executive office stating the problem had been corrected and new loan docs were being drawn up. Second set of paperwork received the next day and the error was NOT corrected but also increased by {$6400.00}. I called and have been asking for a financial printout and asking where all the payments are that I have made since XX/XX/XXXX of {$1500.00}. The rep argued and stated it was credited to the principal. I stated it wasnt and even if it was Wells Fargo cant recharge me for arrears on months I paid and was not in arrears. They still have not corrected and now keep stating I must not want the modification since I wont sign for the extra charges. Then I received a notice in the mail about a forbearance plan option, this was NEVER EVER offered to me. I have had no income since XX/XX/XXXX effective date and Wells Fargo is trying to strong arm me into signing for double arrears charges and hiding them in my HUD partial claim. I am entitled to this forbearance program and also if they are going to charge me for arrears as if I have not made a payment in a year then I want my {$8500.00} back!!
ON XXXX XXXX 2016 I WAS CONTACTED BY NAVIENT VIA EMAIL TO HAVE MY LOAN PUT IN FORBEARANCE. I RESPONDED TO THIS EMAIL WITH A YES AS INSTRUCTED. I RECEIVED AN EMAIL ON THE XXXX OF XXXX 2016 STATING MY LOAN AND ALL OTHER LOANS HANDLED BY NAVIENT WOULD BE PLACED IN FORBEARANCE UNTIL XXXX 2016. ON XXXX XXXX 2016 XXXX OF MY XXXX LOANS WERE SENT TO DEPT OF EDU IN DEFAULT AND ON XXXX XXXX 2016 AN ADDITIONAL XXXX LOANS WERE SENT AS WELL. THIS PUT ME IN TAX OFFSET AND MY ENTIRE TAX RETURN WAS TAKEN TO REPAY A LOAN THAT I WAS NOT IN DEFAULT WITH AT THIS TIME. I HAVE DOCUMENTATION TO SUPPORT MY CLAIM.
in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.
I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper.
When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with American Express that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Over four years ago I was laid off from my job. I contacted my mortgage company, who first told me to apply for a HARP program, and that I could hold off on my mortgage payment until I got an answer, as the mortgage amount would be rolled into my new mortgage. I did not do this, I paid my mortgage on time. I was then told I did not qualify for HARP, but that they had some internal refinance programs I might be eligible for, had me go through the entire application process again ( twice, they " lost '' my first application ), and I was again told I could skip my mortgage payment while a determination was made. I did not skip the mortgage payment, and I was not given a company refinance plan either. I attended one of those mortgage conferences ( XXXX ) where lenders from all the different mortgage companies are there, and was told by a representative from Ocwen that the lender was not going to modify my mortgage and give me a lower interest rate. This was because with the amount of equity I had built up in the property it was more financially advantageous for them to wait and foreclose, even if it took a year! Finally, the mortgage company allowed me to pay an abated amount for three months while I searched for a job. I made these payments in full every month on time. At the end of the three months they sent me a bill for almost {$4000.00}, with a letter stating if I did not pay foreclosure proceedings would be instituted! In addition, they put a 30-60-90 day late note on my credit reports. I borrowed from family to save my home, and have paid my mortgage payments since. They did " modify '' my mortgage after that, from 6.625 % to 6.2 %, for 30 months, which has since expired as well. However, both the late payment marks, and the " modified '' mortgage note shows up on my credit report. I have repeatedly requested these be removed, by calling the lender directly and by requesting through the credit bureaus, and have been denied since they are " within their legal rights '' to keep these on my credit report. I went back to school and got a degree in accounting. I am afraid this type of black mark on my credit report might affect my ability to get a job in this field as they now run credit checks. It has been three years since these " late '' payments which to my way of thinking were not late to begin with, why will they not remove them? I was not told at the time that they would be treated this way on my credit report either. My original mortgage was not through Ocwen, I was sold twice before I made my first mortgage payment to the original, and then an intermediate mortgage broker, finally ending up with them. It was not because of bad credit, or because of missed mortgage payments, but simply rolled into a block of mortgages bought by this company. They have been a nightmare ever since, with poor communication, " lost '' paperwork, inability to manage escrow accounts, etc. Please help me, this severely impacts a credit report that would otherwise be quite good.
illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.
XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX ACCOUNT IS STILL REFLECTING OPEN AND COLLECTION ATTEMPTS MADE
This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.
I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}
I opened an account with Synchrony which bank/amazon. They immediately put a fee of XXXX that I did not sign up for. It took me two months to remove the XXXX. Then I bought a pair of shoes from Amazon. I did not even open the package ; sent it back. Amazon applied a XXXX credit. to my account. Synchrony started billing me XXXX which included a XXXX fee. I wrote them a letter on XXXX, 2017. No  answer. I contacted Amazon No response. I then contacted the shoe company that I bought the shoes from. They said they applied XXXX. I received my bill from Synchrony on XX/XX/XXXX wrote them a letter again. No answer. I do not owe this credit card money. Please help.
I completed the process to request a loan modification under the " Making Home Affordable '' program. After making XXXX consecutive payments, Bank of America has failed to convert me to a permanenet modification which is subsequently causing further delinquency. I am trying to work with my lender to prevent both further delinquency and bankruptcy.
There was an affidavit previously filed under number XXXX. The dispute was closed after CHASE responded with unfactual statements. In CHASE 's response they ensure that the form was filled out incorrectly. 

On the form, the name and period of time was complete. The remaining 2 parts of the form were the signature and certification of signature by the banker who should have done the medallion stamp. The signature should not be signed until in front of the banker who has to see you sign the document before stamping it. 

The banker said that they could not do that form at all. She did not say that her back office told her that the form was filled out wrong. I can prove this as I have the conversation recorded. 

I am not at all pleased with how this has been handled. XXXX XXXX was well aware of what she said and should be held accountable. I would also like to proceed with getting a medallion stamp now that CHASE has finally admitted in writing that they DO stamp the Treasury Direct FS Form 0385.
I opened up a personal loan with Lendmark Financial in XXXX Ga on XX/XX/2018 with payments of XXXX a month. I got behind on my XXXX and XXXX payment. When I called in XXXX to make my XXXX payment I actually paid XXXX dollars instead of the normal XXXX and I was told I could do a deferral on the XXXX payments I missed ( XXXX and XXXX XXXX and have those payments put at the end of my loan. I agreed and the representative from Lendmark faxed me over the deferral form and I signed it and faxed it back over to Lendmark 3 different times only to be told they didnt receive it. I then scanned and email the form and sent it to the representative I was speaking with the assumption that everything was handled. I proceeded to make my XXXX payment of XXXX but within a couple of days of making my XXXX payment I was served by the sheriffs office with papers from Lendmark stating I was being sued. Now this is very confusing because I have every intention of paying my loan back which is I why I signed a deferral agreement in XXXX for the XXXX payments I missed and I made my payment in XXXX so why am I being sued. Ive already reported this company to the XXXX and I also plan on sending a email to their corporate office and to the local news channels to see if any investigative reporters can assist me with getting to the bottom of this shady business tactic. LENDMARK FINANCIAL=BAD BUSINESS!!!
Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.
This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.