WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.
Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections
Today XXXX XX/XX/2018, I was contacted by XXXX from XXXX, XXXX XXXX   XXXX. with a case # of XXXX, their phone number is XXXX XXXX. This XXXX told me that my debt from XXXX XXXX  was turned over to them for collections. The amount was {$2900.00} but they are willing to settle for {$1200.00} now. He asked me for a credit card and I don't have one so I asked my parents to use theirs. My step-dad talked with XXXX and he recommended a certified letter for the settlement and we would settle it. XXXX became beligerant and threatened to garnish my pay, apply a lien to my truck, have the sheriff pick me up. I hung up an him and my stepdad called him back for more information, since then he has called my phone 3 times and 10 times on my stepdads, each time belittling me and threatening me. I contacted XXXX XXXX customer service and they where unable to help since the debt was sold. I tried contacting who they sold it too ( contracting account ) XXXX XXXX, no one has returned my call. This debt is from 9n years ago and is on my credit report.
I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both Equifax and XXXX  refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
I have lost my Job due to being on XXXX and awaiting the process of going through the Social Security process. This lead me to be behind One payment of my Modified Mortgage. I pay the mortgage on time, and give a little extra to go towards the outstanding bill. Nation star has been putting that extra money in suspense, and then sending me back a check every so often for that extra money.
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the message pasted into the next section but they never notified me of any problem. 
I contacted Bank of America via XXXX. They said that they needed more information but wouldn't tell me what. They expect me to contact them by telephone. But I am traveling in a foreign country with a different time zone and no means to place an international call. I have only a local mobile telephone. BofA requires a landline to place an international call.
I am very devastated of the way Ditech has handle my loan. I submitted all documents needed to be review for a Deed in Lieu. However I have an active sale date for XX/XX/2017. I confirmed with the Ditech Foreclosing Attorneys " XXXX '' and they have not received any request from Ditech to push my sale date BACK or to have it canceled until my Deed in Lieu is finish. I recently received a letter from Ditech dated XX/XX/2017, they have a complete packet and that they will respond within 30 days. However, I am XXXX because my sale date is still active with the Foreclosing Attorneys. I am tired that Ditech keeps prolonging my case. I am XXXX years old and it has been very difficult to move around. I am just waiting on my Deed in lieu so I can live in peace. I am too old to start all over. I have tried to negotiate a modification however ; I was not " eligible '' based on Ditech. Therefore, my last option will be a Deed in Lieu. Please help me I do not want to die before I can resolve this issue.
I have sent XXXX, Experian and XXXX each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted. XX/XX/XXXX Mailed Address, Name, Work, Phone Number Information update. As of Mid XX/XX/XXXX, only partial information was updated but old information was still being reported. <P/>XX/XX/XXXX mailed another letter to XXXX and experian for all personal info to be updated.
Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.
I have sent multiple letters  to ENHANCED RECOVERY CORP in  regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company..       Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ).  By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo  u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have   on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.
Original creditor ( XXXX ) billed the wrong insurance policy with no notice/contact to me however the hospital billed the correct insurance and was paid. I 've provided the collection agency with the correct insurance and had XXXX contact them as well, but the original creditor refused to resubmit bill to insurance for billing. Per XXXX they have to get resubmission from the original creditor. Collection agency told me they would remove this from my credit due to it being no fault of mine but it is still there. I was told by XXXX people at EOS CCA this was being filed for resubmission to the insurance, after speaking with XXXX, I was told they never received it. EOS CCA stated they are not allow to resubmit but file it with the original creditor who is REFUSING to resubmit or take any action to resolve this claim in over a year.
In XXXX of 2013, I reported to Bank of America unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court.
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX. XXXX/XXXX/XXXX
Case number : XXXX ] Please except my apology for not using my account log in, However I could not Log in to follow up on the status of my previous complaint. 
There is essential information regarding my residence, After meeting with a new attorney located within the XXXX XXXX County Court House to request Legal assistance with filing an appeal decision to the Judge deciding with my current lender " Ocwen '' for thier unfair lending practices. It discovered y and my families case ; was the first case the judge resided over andour case was extremely complicated!!! We are still residing with our home after a period of # 2 years which was a result of vigorous fighting on our part to prove Ocwens mishandling of our Mortgage. Following our last attended court date which happens to be # XXXX of only # XXXX in a period of # 2 years the Judge stated he would render his decision in # 28 days. To our astonishment we received notice from our former attorney, the judge closed our case and sided with our lender without ever looking into the documented legal history of this servicing company within only one week interim. I am submitting this information due to the appeal timing and under duress of only # 2 day 's remaining before we loose all rights and Ownership of our property. We feel due diligence within the discovery process has not been served and Due process has not been considered, Ocwen has received and are currently receiving more complaints daily than all other servicing companies combined!!! I would appreciate your assistance in this most important matter. ( without rendering legal assistance ) understood. My Congressman XXXX office personnel are assisting my family as well / I was referred to your agency via their assistance! THANK YOU FOR YOUR CONSIDERATION.
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX  has not been able to present any documentation from XXXX XXXX XXXX stating that I still owe a debt to XXXX XXXX XXXX.
The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.
I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.
Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service
The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees
I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.
I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX  of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Dear Sir or Madam : I am writing because I am trying to set up a XXXX Loan Modification. I believe the program is called " Flex Mod. '' I learned on this by researching on the XXXX Website. I am currently in Chapter XXXX ( I have only 7months left ). I had fallen behind on my mortgage. I am currently unemployed. I lost my job in XXXX. 

My mortgage company is Mr. Cooper ( formerly Nationstar ). My Loan # is : XXXX. I made a payment on XX/XX/XXXX for {$2200.00}. Because I am in bankruptcy, my Attorney had to sign a consent for me to correspond with them, which I did. I have not made a payment since because I am unemployed. I called Mr. Cooper on XX/XX/XXXX to tell them that I was unemployed and I would like an application for a modification or other options. I waited up until XX/XX/XXXX for the application, to no avail. I called again on XX/XX/XXXX. I was transferred 3 times and on hold for 20 minutes, which did nothing. I called again on XX/XX/XXXX at XXXX XXXX. I was told that I did not have to fill out anything and that they would hae something for me by the end of the week. It is now XX/XX/XXXX. I have not received anything, or a phone call. 

I believe that I am getting the run around. My plan was to make a payment once I receive unemployment benefits. It has been 5 weeks since I applied for unemployment. I need a solution to my problem and help, but they are not working with me. 

Thank you, XXXX XXXX
After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.
a Few years ago my car was broken into and my wallet was stole which had all my information like SSN etc. a few months after that I was getting calls and letter and bills in the mails from A few chains store saying I owed them money and stuff, I told them it wasnt me and I never order or bought anything from them inside the store or online they sent me a ID theft paper work I filled it out but nothing was ever dont because all the unpaid amounts went into collection and I told the companies it wasnt me. They didnt believe me and have not tried to fix me problem but I have tried to apply for my first home loan and I got denied because of my ID theft amounts that is still on there.
I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!
Bank of America has been violating my constitutional civil right to access and participate in government. 
Upon the bank 's and servicer 's decision to park and stall the modification process by withholding a written determination on Appeal provided by the Appeals Department I have been unable to access and participate in the federal government Making Homes Affordable ( MHA ) programs and the status government Hardest Hit Fund ( HHF ) programs. As am American citizen, I am afforded certain constitutional civil rights and liberties. I have the right to access and participate in the federal government MHA programs and the state government HHF programs. 
Bank of America and their representatives have denied my access and participation in both MHA and HHF programs. Specifically, the MHA Home Affordable Modification Program ( HAMP ) and the HHF Unemployment Assistance ( UA ) program. 
I have asked many times before his for a detailed explanation the bank 's and servicer 's decision to deny access and participation in these government provided programs, but have been unsuccessful in getting any response whatsoever that addresses the matter. If Bank of America refuses to address my concerns now, they may have to address my concerns before a California Judge later. 
All Bank of America has to do is address my concerns directly by explaining why it is a process designed to take six months had been extended to fifty plus months and not provide a nonresponsive reply to this lates CFPB complaint. 
All other previously mentioned resolutions.
XXXX XXXX : I reached out to you & filed a complaint with the obudsman group for the following : When my loan switched servicers I was in the process of consolidation and was on forbearance. The consolidation completed but somehow in the switch it marked my loans before consolidation over XXXX days late, I have called in several times & sent letters because this negatively affects my credit score and was told they can not find where this is being reported though it is on all XXXX credit bureaus and i have sent copies to you. I have given up and accepted my lower score as a result of fedloans error. 
XXXX XXXX : I also called in over a year ago because I could n't afford my payment and I wanted to be put on a payment plan that counted towards forgiveness because I work for a non profit. I have been making sacrifices and paying the amount. 
XXXX XXXX : Recently, in my yearly statement the documentation showed that none of my payments counted toward forgiveness. I contacted fed loan and advised of the issue. I also advised I was facing undue hardship because of my XXXX a month payment. 
XXXX XXXX-Without my authorization/consent my XXXX XXXX payment of XXXX was deferred and now my XXXX XXXX payment was changed to XXXX and no one called/advised me. If I am having trouble paying XXXX How can I pay XXXX? XXXX is negatively impacting my credit and without legal authority from me, deferred & changed my payment. I can not afford this payment need these issues escalated and corrected ASAP.