WillisBack/dataset-financial-user-claim huggingface dataset:
Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).
On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.
Valley credit collection agency was paid for XXXX delinquent accounts on XXXX/XXXX/2015. {$56.00}, {$100.00}, {$120.00}, {$25.00}. Totaling {$300.00} plus a processing fee of {$5.00} for grand total of {$310.00}. Collection agency refused to provide me written communication of itemized bills I paid. They also have not notified credit bureaus that accounts were paid in full.
In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to XXXX, Experian and XXXX to no avail. Below is  a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, XXXX, and Experian will follow the laws laid out in the Fair credit Reporting Act.
I was solicited by a representative from The Student Loan Help Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX the representative solicited funds to help consolidate my student loans and I just recently was notified by the servicers of the loans and they are not consolidated and I have to pay more money to them than what was discussed by the representative at The Student Loan Help Center. I am paying XXXX organizations for my student loans which has placed me in a serious financial bind and my student loans are still not paid off or my payment is very high. 
This has caused severe financial hardship for my household as a single mother of XXXX. Please help me with this matter and the return of the charge of {$1200.00} that The Student Loan Help Center charged me for a service that I did not receive.
my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files
I ordered my TransUnion credit report on XXXX/XXXX/XXXX. I have suffered from continuous issues with TransUnion reporting misleading information that is very damaging to my character. I called TransUnion on XXXX/XXXX/XXXX at XXXX XXXX. and spoke with XXXX. I told him that the credit report shows an account at XXXX County CU # XXXX with a charged off account that was allegedly opened on XXXX/XXXX/XXXX and charged off on XXXX/XXXX/XXXX. I told him that this is absolutely incorrect because I have never had an account with that company opened on XXXX/XXXX/XXXX. XXXX told me that he is unsure of how the information is verified. He states that TransUnion is paid to report monthly information pertaining to consumers ' files and he does n't know if its accurate or not. He apologized and stated that there is nothing that he can do. I asked to be transferred to his supervisor, and he refused to transfer me to one. I asked for his supervisors ' name and he stated that he could not give me that information either. He kept placing me on hold several times, before he disconnected my call altogether. To say that I am shocked is an understatement. Our lively hood is being placed in the hands of consumer reporting agencies that do n't care about the affects of reporting erroneous information to our credit files. It seems as though we are being punished for things beyond our control, and there is nothing we can do about it. Who do we have to protect and stand up for our rights? Please help me, because I am so disappointed that I am being taken advantage of like this.
These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES
I wan na make sure my interest rate is fair and on the legal line. 
Because i feel like my interest rates is very high
I have an eviction on my credit report, not because I could not pay it I refuse to pay it, because I thought I was treated unfairly. I had 10 days left on my lease, upon moving out I found plenty of mold along the baseboards. I was constantly sick that year and did not know why. I left immediately giving them another notice when I found the mold. ( aside  from the 60-day notice ). They sent me a bill for {$1800.00} I decided to go to the court. Judge stated I had to pay {$730.00} rent, {$58.00} court fee, {$180.00} attorney fee, which they agreed. They sent to collection for {$1500.00} and sending me a bill for {$1800.00} Until we get this settle I guess I will have the eviction.  I cant get a decent place to live.
Equifax and XXXX  keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
XXXX has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
Equifax just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
CONRAD DEBT COLLECTORS IN CALIFORNIA ; THEY PUT A LEIN ON OUR HOUSE FOR??????? 
WE HAD NO CHOICE BUT TO PAY {$1600.00} TO CONRAD CORP FOR NOTHING. IF WE DID N'T GET THE LEIN OFF WE COULD NOT REFINANCE. SO WE HAVE BEEN PAYING THESE PEOPLE MONEY FOR NO REASON. 

THEY THREATEN, ABUSE, AND THEY KEEP DOING THIS AND I KNOW I AM NOT ALONE. 

IT BEGINS WITH XXXX. THOSE OF US WHO BOUGHT A TIMESHARE AT XXXX IN XXXX XXXX 'S ( WE BOUGHT OURS XX/XX/XXXX ) ARE GETTING CHARGED BY XXXX FOR XXXX FEES EVERY YEAR FOR WHAT???? 

XXXX WENT BANKRUPTED. THEREFORE XXXX MEMBERS WHO BOUGHT XXXX FOR THEIR " HOME '' ( WE NEVER EVEN STAYED THERE BUT YOU NEED A HOME BASE TO USE XXXX ) WE USE THE EXTRA WEEKS AND PREFER TO PAY XXXX THE {$170.00} FOR THE WEEK SOMEWHERE. OUR CHILDREN WE 'RE TO USE THIS FOR THEIR HONEYMOONS. 

THAT WAS THE MAIN PURPOSE FOR THIS PURCHASE FOR FAMILY TRIPS. 

SO BECAUSE XXXX WENT OUT OF BUSINESS ANYONE WHO BOUGHT AT XXXX ARE OUT OF THOUSANDS OF DOLLARS. A XXXX XXXX AS I HAVE RESEARCHED THIS FOR YEARS JUST IGNORES ALL RESPONSES. 

FOR THOSE THAT ARE STUCK BECAUSE WE ARE STUCK AS CONRAD WHO COLLECTS THE FEES FOR A CLOSED HOTEL KEEPS PUTTING LEINS ON HOMES. ALOT OF PREVIOUS OWNERS GAVE IN AND MADE DEALS WITH CONRAD. PAYMENTS THAT ARE NOT OWED TO THEM. 

THESE PEOPLE IN CALIFORNIA ARE MEAN. THEY THREATEN TO TAKE YOUR HOME AND THEY DO!!!! AND SOMEHOW CAN PUT A LEIN ON YOUR HOME, HOW? 

I AND XXXX OF OTHERS ARE STUCK. NO HOME BASE=NO XXXX. 
XXXX WANTS THE PEOPLE WHO BOUGHT FROM XXXX, XXXX, TO DEAL WITH IT. XXXX WILL NOT HELP. 

YOU NEED TO BE AWARE OF THIS AND IF YOU GOOGLEXXXX+XXXX+CONRAD A HUGE GROUP IS WAITING FOR SOMEONE TO HELP. COULD YOU HELP US PLEASE? 

I CAN BE REACHED AT XXXX. ALL WE REALLY NEED IS XXXX TO GIVE US A HOME BASE SO WE CAN BOOK. OUR PURCHASE FROM XXXX/XXXX DOES N'T EXPIRE UNTIL XX/XX/XXXX BUT WHAT GOOD DOES IT DO IF YOU CA N'T EVEN LOG INTO YOUR XXXX ACCOUNT BECAUSE XXXX LOCKED US ( XXXX BASE HOLDERS ) SO WE CA N'T EVEN GET INTO XXXX. 

PLEASE HELP THIS HAS BEEN GOING ON FOR OVER 10 YEARS. I HAVE PAID THIS CONRAD PEOPLE OVER XXXX FOR NOTHING BECAUSE THEY KEEP PUTTING LEINS ON OUR HOME AND OUR LAWYERS TELL US WITH A LEIN YOU HAVE TO PAY IN ORDER TO REFINANCE. THAT IS FAIR? 

PLEASE, PLEASE I HAVE BEEN FIGHTING THIS FOR EONS. 


THANK YOU IN ADVANCE. 

REGARDS, XXXX XXXX XXXX
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATEDXX/XX/XXXX/2017
2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
I continually receive calls from Navient Student Loans about an outstanding student loan. The latest calls were received onXX/XX/XXXX ( 1 ) andXX/XX/XXXX ( 2 ). The numbers the calls came from our XXXX and XXXX XXXX. I had informed the CSR on XX/XX/XXXX that I have no outstanding loans and I have no idea why they would be calling me. She stated that she would make a notation in the system, however, my phone number was listed on a loan. When I asked the CSR who had the loan with my phone number on it she would not give me the name of the person. On XX/XX/XXXX I received two calls within two hours of one another. Again, I informed the CSR that I have no loans and again they said they would make a notation in the system. Again, the CRS stated that my phone number was listed on the loan and again she would not give me the name of the person. I am XXXX years old and my student loan has been paid off for years. I would like the calls to stop and would like to know for my credit purposes who is the person that has my phone number on their loan??.
Experian has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX  says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX  is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
I submitted a package to Capital One for foreclosure alternatives on XXXX/XXXX/2016 and continued to fax documents that were being requested. At several times, my file was in review and on XXXX/XXXX/2016 I was asked to re-fax certain documents that they claim were not received. I faxed those documents that same day and today when following up, I am informed that my file has been closed and they will not review me for another modification and will be proceeding with the sale in 13 days.
Received several phones call throughout 2015 from Trident Asset Management regarding a XXXX XXXX phone bill in the amount of {$100.00}. I asked for them to send me a statement from XXXX XXXX validating that I owe this debt and they only sent a note on their company letterhead stating that I owe {$100.00}. I found this very odd considering that I still have XXXX XXXX as a carrier for at least 8 years and I 've never had a past due phone bill. And if I did then my phone would not be in service. I explained this to the debt collector in XXXX 2015 and they completely ignored me and kept asking why I would n't pay the amount since it was very small amount. I told the debt collector that unless they are able to send documents showing that I owe this debt, then I refuse to pay. The debt collector raised her voice and I raised my voice right back at her and demanded that she tell me her name. After asking for her name at least five times she finally said it ( to which I ca n't remember it since it happened in 2015 ). I told her that she 's not to contact me via phone and they need to send sufficient documentation of me owing this debt. They never did and in XXXX 2015, this item was placed on my credit report
I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number XXXX
Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.
XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with TransUnion and XXXX.
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
made dispute with eqifax in XX/XX/2018. results form XX/XX/2018 recievd from company still were reposting incorrect information. XXXX account dated XX/XX/2018, the status of account was updated with the same incorrect information, also a statement was added to the account on my behalf that I never requested to be added. the closed date for account is incorrect, this being incorrect affects the time since negative section on my payment history. the payment status was updated to " placed for collection and skip '' on XX/XX/2018, although the collection agency sent notice of me owing no balance. this  information reset the timer on the account. the statement added " charged off account variable rate '' was placed as a statement, which I never requested. this has negatively affected my score and me trying to show credit worthiness to potential lenders. the payment history is incorrect as well.
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}
We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?
The categories you provided were not entirely accurate or descriptive. This complaint is against XXXX XXXX, which provides billing services for health clubs. Look online at ratings and you will learn all you need to ... a litany of 1 star reviews. In my case, the expiration date on my credit card changed. I received a text message from XXXX informing me that the charge for my gym membership declined. No problem. I called within 5 minutes to update the information when they informed me they were charging me a {$20.00} fee for the declined credit card transaction. There is no cost to the company for a declined credit card transaction and I have never, ever seen a company that charged for that purpose. I ca n't recall any other company where I even need to update the expiration date but, if I do, there has never been a fee for anything related to that. Given I signed up for my gym membership a long time ago and have no communication from them or XXXX at any time related to my payments, to billing, etc. there really is no practical way for me to be aware of any issues. In addition, I would n't have known XXXX   was the place to contact as my gym name appears on my credit card statement each month.
I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and XXXX AND EQUIFAX refused to removed account from my wife 's credit report