WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my HOME SOLD. The reason my home sold was due to I had to file a BK and i could not drive the 4-5 hrs to the court house to get to file the BK docs so i did it all by mail and it had it overnight-ed to the lender and the post office sent a letter stating they had recd my packet on a Saturday ( please see attached letters ) the packet should have been deliveried on Monday XX/XX/2018 and it was not. I requested that the foreclosure attorney and the lender please rescind the property back to me as it was not my fault of the post office mistake and they should honer the BK cause it was filed before the sale date on XX/XX/2018 and cause of the post office i lost my home. 
When calling the lender and the foreclosure attorney they choose to not HELP me keep my home at all. I have been very sick over all this and my medical conditions are not that good. I fel they could of rescinded the property back to me. Understand i know it was the 11th hour but due to my health and surgeries i have had i could not drive that far to the court house.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
My dad died XXXX/XXXX/2015 while in bankruptcy proceeding. 
The Seterus/XXXX of his loan and their attorneys were on notice since XX/XX/2015 and still after many requests for an assumption document to assume my dad 's property as his heir they refuse to provide me any documents they never even contact me to assume his loan a requirement by this agency but they care less about any CFPB new rules not even the federal law mandatory to do what Im saying here To them you guys are nothing no matter you the law. Obviously this agency a fake so the people think they do live in the land called free when is not they have put my/dad house for sale 4 times and 4 times say we will agree for you to assume the loan but never they do sent me anything. The house sale date is the XXXX XXXX, this tuesday and obviously when this get any attention is to late Further, they email me saying they will advise the judge to again stay the sale hearing was XX/XX/XXXX 3 days ago and they didnt say that to the judge nothing they said I got email conversion they saying that the attorney assigned to the case is on notice to input that information to the judge They liars and they think this is not serious what they doing to me and my dead dad my dad will rest in peace while they will have no peace in my dads foreclosure XXXX XXXX XXXX XXXX. Case XXXX XXXX Property XXXX XXXX XXXX XXXX XXXX, Fl XXXX
First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''
I 've reached out to this company several of times in regards to inaccurate information being reported to my credit report. XXXX XXXX XXXX XXXX are reporting an item that I am not familiar with. I 've filed several disputes about this matter and explained to them that I have no idea about this item and that it is n't mine, they only update the information on my credit report and it is hurting my score. I am in the home buying process and I ca n't move forward with this item falsely reporting. I 've asked them send something in writing to prove that this debt is mine and they 've failed to do so. I am at the point now of speaking with my attorney about filing a lawsuit for reporting inaccurate information and not providing proof. I want this item removed and updated within the next 30 days otherwise I will pursue legally against them.
On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.
We need to complain that the  XXXX  Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with   XXXX   was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to XX/XX/XXXX .At that time l was in Intensive Care a. We asked  XXXX  for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from  XXXX  unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.   XXXX   themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX / XXXX  we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.   XXXX   agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )   XXXX   actions speak louder than computerized binary reports.On XX/XX/XXXX    XXXX   took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .
Disputed XXXX XXXX XXXX ( XXXX ), previously. Received letter from Experian, stating account information has been " updated ''. No changes were made to account, except for " processing date ''. Also, in letter, XXXX other accounts were mentioned, to which I did not dispute in my complaint. XXXX, being a " paid never late '' account, XXXX. The other, being XXXX XXXX XXXX. I checked my previous complaint, and nowhere in the body of my complaint, are they mentioned. Also, I am hereby requesting method used to verify account information. I received a letter from Experian, but not companies mentioned.
Dear CFPB, I, XXXX, want to report that XXXX and Grant & Weber ( ENTITIES ) have violated my consumer protection rights and have acquired my personal, private and social security information without my authorization. I have never received any services or products from these entities. I have made NO agreements or contracts with these ENTITIES. 

These ENTITIES have created these XXXX accounts # 's XXXX, XXXX, XXXX, and XXXX without my authorization. Moreover, these ENTITIES have stolen my IDENTITY to create these accounts. 

We order my credit report on XX/XX/XXXX as my husband and I would like to buy a house. It was then that I found out that Grant & Weber and XXXX were reporting these collection accounts. See Exhibit A. 

On XX/XX/XXXX I disputed those collection accounts under FDCPA 1692g and FCRA for impermissible credit pull, as I did not know who these ENTITIES were and demanded for Grant Weber to validate the collection accounts. Please see attached the Certified Notice of Dispute Letters I sent to Grant Weber. See Exhibit B. 

On XX/XX/XXXX I received response letter from Grant Weber referencing accounts to services rendered by XXXX Hospital. See Exhibit C. 

On XX/XX/XXXX, I outreached to XXXX Hospital and spoke to XXXX at XXXX. She instructed me to Faxed Authorization and Request for All Billing Documents to fax XXXX. See Exhibit D. 

Two weeks passed and XXXX Hospital did not provide All the Billing documentations requested to prove any business relationship between XXXX Hospital and XXXX and or Grant & Weber. 
Therefore, On XX/XX/XXXX, I personally along with my Uncle and Aunt, XXXX and XXXX, went to XXXX Hospital Billing Department and spoke to XXXX directly. 

I asked XXXX what of my personal information and or documents XXXX Hospital provided to XXXX and Grant & Weber. 
We were shocked to hear from XXXX that XXXX Hospital has NEVER had any business relationship with XXXX. In addition, XXXX said that there was NOTHING XXXX Hospital could provide in writing to prove and validate any business relationship between XXXX Hospital and XXXX and Grant & Weber. 

As you can see, these ENTITIES have committed a crime by stealing my IDENTITY. If XXXX Hospital does not have a business relationship with XXXX and could NOT provide any documentation to validate any business relationship with Grant & Weber, how did these ENTITIES, get my personal information including my social security. 

Furthermore, how can these ENTITIES report these collection accounts on my credit report when the service provider, XXXX Hospital, has no business relationship and could not provide any documentation of such a relationship, if any, with these ENTITIES. 

These is Outright fraudulent collecting and outright fraudulent reporting from Grant & Weber, and in major violations to my consumer protection rights under FDCPA, FCRA and FTC. 

Therefore, I 'm demanding that these unlawful and deceitful collection accounts be removed permanently removed and deleted from all XXXX credit reporting agencies XXXX, XXXX and XXXX immediately. 


Respectfully, XXXX
On XX/XX/2018, I contacted Bank of America on their XXXX number regarding our automobile loan, as I wanted to report that our mail had been stolen, inquire about whether we needed to change the account number, and to see if we had a payment due. 

I spoke with XXXX XXXX who informed me that our account was past due and that it had been reported to the credit bureau. I had not received any telephone calls letting me know the account was past due nor any written notices stating that a payment was due or late. 

I made a payment of {$3300.00} ( Confirmation Number XXXX ) and another payment for XX/XX/2018 ( Confirmation Number XXXX ). Due to the mail theft, she reversed the late fees and stated that I needed to wait for the payment to clear and to call back today to have the negative mark on our credit history removed. 

I called XX/XX/2018 and spoke with an agent XXXX, who then transferred me to a Supervisor named XXXX XXXX out of XXXX Florida. XXXX XXXX indicated that I needed to fax in a request to have the negative mark removed from our credit history. We often pay this account in advance, and there are months where no payment is due, which is why we did not automatically know to send a payment. The moment I realized our mail was stolen ( XX/XX/XXXX ), I called in order to find out if payments were due and to get the account number changed if the account was compromised. We are currently looking at buying a house, so the negative mark is adversely affecting us greatly. 

When I was making the payments, I was informed that Bank of America had been calling a phone number that was twenty years old and it was a number we had never provided to them. In addition, the other phone number they were using was disconnected, despite the fact that our phone number is public, they had called us on the correct number in the past, and was listed on the documents and credit reports. 

Today, on XX/XX/2018, we received a form letter from Bank of America telling us that they were leaving the delinquent note on our credit report with explanation. The form letter did not include anyone to whom we could speak with and only included a XXXX number. We have contacted the XXXX number provided and no one can tell us how to appeal this decision or who we may speak with. They were exceptionally rude and told us it was our fault that the account was reported and that there is no one in Bank of America who can speak with us and that we needed to dispute this with the credit bureau. 

We are respectfully requesting that the Consumer Financial Protection Bureau contact Bank of America and assist us in removing the negative report to the credit bureau due to the mail theft. Please do not hesitate to contact me at ( XXXX ) XXXX if you have any questions or if you need any further information. 

XXXX XXXX XXXX
I have been paying Navient ( formerly XXXX ) loans for years, both for my own XXXX ( which is XXXX paid off ) and for my daughter 's XXXX school, XXXX College in XXXX XXXX. I have been receiving my statements via paper mail all of these years. Navient has stopped sending me monthly statements which is making it impossible to know how much is due, if the monthly calculation is correct, and making timely payments. I have repeatedly said I do not want email communication. Navient disregards my requests and sends out phony mail correspondence to me in order to pretend our conversation had a different subject, other than what I just described. Over the phone the phone reps acknowledge that monthly statements are not being sent, however when I asked for verification of their acknowledgement in writing they refuse. They harass me and my daughter at work with robotic phone calls even though they know they have not send out a paper statement. One such account XXXX all I get is quarterly payment letter reminders however I have no idea what is owed bc they have not sent me a paper statement in a couple of years. When I ask them who authorized a change with my account ( from receiving monthly paper statements ), they make up inconsistent answers to try and justify their actions of not sending me monthly statements. This is deeply frustrating, I feel harassed and feel this is extortion.
In XXXX XXXX I submitted a written cease and desist to nationstar which I also verified on the phone with them that they received. They continue to call my house for refinancing options but when they leave a message it says contact nationstar mortgage now concerning opportunities. So my XXXX year old mother has moved in with me due to health reasons and now i come home from work with her writing notes for me to call nationstar and since she has XXXX XXXX thinks the worst that the house payment is late. I am not eligible for a refinance on my current home ( which is at XXXX ) as I have already used the HARP program through Nationstar. I have other mortgages and I do n't get any other phone calls like this from other servicer. I have never been late, and I mean never! I worked in collections for another mortgage servicer and am aware of the rules surrounding CFPB and Cease and Desist and I am seeking damages per occurrence of XXXX. There have been close to 100 phone calls since writing in XXXX and confirming with them that they received my cease and desist.
Please find attached copy of my recent credit report from XXXX credit reporting agency. On page XXXX of this report is currently showing an incorrect amount of tax lien from XXXX county, CA. recorded XX/XX/XXXX. Its effecting my credit score greatly in a negative way. I am hoping you can help me resolve this problem with XXXX county tax collector. I have filled a chapter XXXX bankruptcy in XX/XX/XXXX and the current amount showing on the report should be modified to reflect accurate modified judgment amount set forth by the court after the chapter XXXX BK filing. Presently, I am paying to new set amount of amount of approximately XXXX dollars {$4000.00} for which, I am currently paying in on instalments basis. Please, help me correct this issue with the XXXX county tax collector. I have tried calling and wrote letters to them in the fast but, they have not responded to any of my complaint. 
thanks. 
XXXX XXXX
I have checked my credit report for the 1st time in years in preparation to build my credit since I did n't have and accounts or credit cards. I found that there were several collections from the same company with the same dates. I have not had any mail correspondence with the company in question. I am not certain that this debt belongs to me since I have never seen any information about it.
I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.
I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month.
Regular biweekly deposits started appearing in our checking account at the end of last year. Neither my mother nor I knew why these deposits were being made, nor by whom. When the bank was contacted, they said they would try to find the source of the deposits as the only information available on our statements was " XXXX BIWEEKLY [ and the last XXXX of my mother 's SS # ]. '' The bank never contacted us. We called and made the request again. Again, no one got back to us. The third time I contacted the bank I was told that the only information they knew was that it was being transferred by ACH, and that XXXX XXXX XXXX was the clearing house. They say there is no way for them to determine who is sending the money.
I am reported to XXXX by Bank of America ( BOA ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed BOA and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and BOA to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to BOA and XXXX. I did not receive a letter from BOA until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Bank of America did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give BOA a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Bank of America received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.
In accordance with California Civil Code Section 2920 - 2944.10, the California Homeowners Bill of Rights, I am eligible to receive statutory compensation for the prohibited act of dual tracking. Additionally, upon the Trustee 's Sale of the 2007 Deed of Trust at the requests and direction of Bank of America through Trustee XXXX XXXX XXXX XXXX ( XXXX ), any sale can be reversed as dual tracking has occurred in this instance. Bank of America, through resolution of this CFPB escalated case complaint, may do so within the 60 days allowed to resolve this complaint as requested. All previously mentioned resolutions, as applicable, are also requested and desired as stated.