WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this immediately!
Describe what happened so we can understand the issue ... 
Naval Federal Credit union fail to pay bill as though their bill pay as agreed resorting in my credit going bad they told me they was going to depute the to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They said they sent you a letter to give to me. Never got it They are now retaliating against me by not paying my bills as set up in the system and scheduling payment early so they can charge me a fee. They claim they ca n't see my records lie lie its in their system. They agreed to send a letter to the reporting agency 's and was sending me a copy by mail, when asked they sent it to you to give to me still do n't have it. Their current action is retaliation for filing prior complaints. They have and to continue to mess-up my credit.
I HAVE SEVERAL CHARGES ON MY VISA CARD THROUGH BANK OF AMERICA THAT I NEVER DID BUSINESS WITH AND NEVER AUTHORIZE ANY OF THESE TRANSACTIONS. I WILL LIST CHARGES AND DATES AND AMOUNTS AND COMPANY NAMES. I DID REACH OUT TO THE CREDIT CARD COMPANY WHEN ALL THIS HAPPEN BUT THEY SPOKE TO ME SO MEAN I COULDNT BELIEVE IT. THIS IS SENIOR CITIZEN ABUSE AND I WANT MY MONEY BACK. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX ALL ON MY OLD VISA CARD ENDING IN XXXX PLEASE HELP ME GET MY MONEY BACK
I purchased a condo back in XXXX of this year, I had my credit report pulled from the mortgage broker that was used to oversee the transaction from the seller. My credit score was too low to get financing so the owner decided to finance the loan for me, until my score was high enough to get it refinanced. Some 4-5 months later the mortgage broker decided to pull my credit report again without my consent or authorization to see if I could get financing through the company he works for. I have credit monitoring and the next day I received an alert stating I have a new hard inquiry on my file. I researched the XXXX party involved and discovered it was a mortgage lender. I called the mortgage broker and he said he had pulled my credit to see if I now qualified for a loan. I told him that was wrong and would lower my score and that I had no desire to use his lender because I already had XXXX in mind. From there I contacted XXXX and XXXX to have the inquiry removed, and they told me the steps I needed to take in order to have the inquiry removed. I forwarded that info over to the mortgage broker so he could rectify his unethical mistake. He said he would take care of the problem and acknowledged that he was wrong. After some back and forth correspondence he said he spoke with his boss and was told there was n't anything he could do because he did n't want to be in any trouble. I have n't heard from the mortgage broker at all and he refuses to answer my calls. Please help
I have a a unverified account from XXXX XXXX XXXX   # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company called XXXX XXXX XXXX ( 3rd party ) gave me information about a forbearance stating that I have to pay {$160.00} to them for 3 month and after the payment I wont have to do any payment for the next 240 months. My actual loan company Mohela call led stating that all of it is false information and that the company is fraud. Forbearance is a free process and I should receive my money back
I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.
My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.
I purchased a money order pay to the order of District Court of XXXX on XXXX/XXXX/2016. Capitol One Bank stamped money order pay to the order of Capitol One in XXXX XXXX. XXXX XXXX XXXX stamped for deposit only into another Capitol One Bank in XXXX XXXX
case XXXX CFPB # XXXX ACCT. ENDING IN XXXX I really don't understand why Capital One can't answer this simple question they have closed both of my accounts just out of the blue one day I have asked over and over again I even called in the woman on the phone says that it look like I had a dispute that I didn't tell the truth on I asked her which dispute she was talking about she didn't know and I've asked Capital One over and over again to please tell me why they've closed my account they keep telling me that they reviewed my activity but they haven't been able to tell me why specifically why you close my account what I did wrong they just keep telling me that they've made their decision and they're not going to reverse it okay that's not what I'm asking you to do keep your credit card I don't care i have a wallet full of them but I'm not going to go away until you tell me what it is you think I've done wrong
I XXXX XXXX submitted a request to modify my mortgage in XX/XX/XXXX. I have been going through a serious medical issue where I lost my ability to XXXX XXXX XXXX. However, US Bank sent a nice letter responding to the CFPB complaint on XX/XX/XXXX, whereas I was sent by email a modification package. That modification package was submitted within 10-weeks, which is well within the timeline mandated by the revised Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Suddenly, I was served with a foreclosure notice, even though US Bank was well aware of my condition, and they were finally given a full modification package on XX/XX/XXXX. I am still gainfully employed and working through my XXXX  XXXX. I can not afford to hire an attorney to defend this foreclosure. In my opinion this is a RESPA as well as a FDCPA violation that I will take to the Federal Deposit Insurance Corporation if necessary. I need an immediate notice from the offices of US Bank as well as the foreclosing lawyers that this action has ceased immediately. The attached documentation speaks for itself, proving that I have followed the proper procedures on my modification processing.
I requested that Portfolio Recovery provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
XXXX sold my loan to XXXX two years ago XX/XX/XXXX after accepting me into short sale ; XXXX honored short sale but shortly after started displaying predatory lending practices. Offer on my house made XX/XX/XXXX for over asking price and to this day, still have n't closed. XXXX asked for same info every XXXX days ; claimed the XXXX inspection was n't done but in fact the inspector said he was asked to say he " lost '' information, etc. I believe they are trying to force a foreclosure. I would have never moved out back last year if they did n't say closing would be in XXXX days. I am still paying bills associated with that house ( not mortgage ) and I know under the program I would have qualified for moving expenses. I feel dubbed and am doing the right thing.
I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.
Hi I have applied for a loan and was denied. 
Upon further investigation we found a damaging piece of information on my credit report. 
It was a chase credit card charge off from almost 7 years ago. 
First I disputed the item with all XXXX credit bureaus but didnt get anywhere because they claimed chase verified that it is my account. 
I immediately called chase to see whats going on. 
after spending over an hour being transferred from XXXX rep to another and no one was able to find any concrete info on this card, I was transferred to a department they called XXXX '' and the rep XXXX XXXX XXXX clearly stated that she does not see any concrete info. No signed contract or application. No payment history. No canceled checks. the only thing she told me was sorry but its too old of an account to have all those records!!! 
Another important note, on that account she did find an associated address in XXXX NJ, where I never in my entire life lived, further pointing towards fraud. 
I asked her nicely to remove it immediately from my credit report since it is reporting illegally but she told me she cant do it over the phone. 
So now I am stuck with a bad credit score because chase is reporting a case they cant even verify that it belongs to me! 
Thanks and looking forward to resolve this asap.
XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which is being reported twice on different amounts! I don't even know who this company is! Experian wouldn't respond when I asked them how and where did they get this information! They just sent me a computer generated print out stating the account and the amount and that they have verified it, that's it. I may not know all about credit reports, but I know my rights as per the Fair Credit Reporting Act. CFPB, amp up and delete the account, I assure you it is not mine
I have been harassed, threatened, intimidated, disrespected, and have endured fraud by Paragon Credit Repair Services. 2 years ago I paid to have my credit repaired and they stopped working on my account after a few months, and told me that they could n't do anything else. My credit never improved, in fact it got worse. The company has a money back guarantee if you are not satisfied. They charged me thousands of dollars for credit repair that never occurred. I refuse to pay any more money to this corrupt business that lies to consumers. The owner of this company is a fraud and abuses his authority to blackmail customers into believing his threats. This organization needs to do an investigation into this company that is fraudulently duping people into believing that they can fix one 's credit ; which they ca n't and they do n't. I am asking from relief from this corrupt organization. Per FCRA and per the company 's money back guarantee I 'm asking that the thousands of dollars I 've already paid in fees be returned to me immediately. 

PARAGON 'S CREDIT REPAIR GUARANTEE Our team of certified credit coaches, dedicated processors and legal experts have an average of 15 years of experience in the field of credit repair. We have worked diligently to provide our clients with exclusive industry first software, the best dedicated processing and legal team in the industry, and access to the best positive trade lines available anywhere. 


" We are so confident in our ability to execute on your behalf that we ask you to pay only AFTER we have completed each phase of work. Our exclusive pay per deletion model means your never get stuck paying a monthly fee without seeing the results first. If we do n't fix it, you do n't pay for it! '' ( XXXX # )
XXXX inquiry 3 times on my credit report. Company said I wouldnt see inquiries on my credit report
XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.
Contacted creditor " XXXX XXXX bank '' and they refused to talk to me because I am no longer liable for the account nor am I an authorized user on the account. 
XXXX XXXX XXXX, XXXX ) I have attempted to submit multiple claims through equifax and have been denied the ability to submit a claim due to lack of verification of my identity on equifax files. 

I have contacted the actual owner of the account and she verified on multiple occasions that I am no longer on the account. 
( Last contacted in XXXX XXXX ) I have had no issues with XXXX XXXX and the aforementioned credit reporting bureaus has had no issues removing my name from accounts where my ex fianc is the primary account holder and I was an authorized user for a brief period of time XXXX XXXX months XXXX.
I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship.
I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk.
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet.
I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
I was sitting at home, working diligently and making my house payment on time as I have for the past 12 years. Nationstar Mortgage decided to tack on a " property inspection '' fee to make sure I still live here. I never authorized it, no clue why they charged me for it and am arguing with them about their random fees. Their response so far has been " well, it was {$13.00} this month, you are lucky it was n't {$300.00} ''. This has to be illegal. I asked them for written documentation where it says they can randomly assess my account funds ... ... ... they never sent that documentation and suddenly do not speak English very well. I have been on the phone almost every day with them and just get put on hold for hours.
Equifax lied to the CFPB earlier this month in claiming to have provided a copy of my credit report to me ( see CFPB Case number : XXXX ). 

Specifically, in response to the above referenced CFPB complaint, Equifax claimed that it sent me a copy of my credit report on XXXX XXXX, 2015. 

I have not received a copy of my Equifax credit report as of today, XXXX XXXX, 2015. Mail from XXXX takes 2-3 days to reach me.
I have a XXXX Visa Card serviced though XXXX Bank. I always payment my statements as soon as they come due. One day, I noticed that the account number on my statement was not right a few days later another statement came. It ends up there are two seperate accounts open in my name. I have made payments on both account in the past by mistake. I have called the bank and tried to explain the situation and was treated very rudely. I have had my attorney contact them and notify them that we dispute the second account and that it must have been opened fraudently. The amount due is fairly trivial, I just want the account closed before whoever opened it tries to use it again. XXXX has been very uncooperative with both me and my attorney. They have sent my attorney a packet of statements, with crudely scribbled notes on them, which actually indicated 3 accounts were open, when questioned, they said it was an error and only two accounts were open, but still they have not closed the fraudulently opened account. We are elderly and I feel that I am being taken advantage of.
I explained to  XXXX ,  XXXX , and Experian that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my  XXXX , Experian, and  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order The f ollowing credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )  XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )