WillisBack/dataset-financial-user-claim huggingface dataset:
My husband got hurt in XX/XX/XXXX we were unable to make payments due to not receiving workers comp in a timely matter. I kept in touch with bank of america home loans the entire time from XX/XX/XXXX to XX/XX/XXXX when they wanted a reinstatement amount to reinstate the loan..which was close to {$15000.00}. and we have made payments on time since XXXX XXXX.. XX/XX/XXXX got a notice that our mortgage would be serviced by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they told me that my loan was still with Bank of America Home Loans.. I called Bank of America Home loans and they ask me three different times did I file bankruptcy I said no.. All of mortgage information was wiped off my XXXX XXXX  XXXX account online.. I did file a complaint with XXXX XXXX XXXX of what I found and they haven't answered back. Our mortgage has been reporting to credit bureaus that our loan closed XX/XX/XXXX and showing a XXXX balance and it shows they had not reported for years on our mortgage and its showing under negative information on our credit reports .. I am sending the credit reports showing it says Bank of america closed ... I filed a complaint with XXXX and told me they would look into it and get back with us.. After filing complaint I got a postcard from BOA Home loans for us to retrieve a message through a message system. the message was we are sorry we forgot to inform you that your loan closed in XX/XX/XXXX. Well the problem is we only modified our loan once. and that was XXXX XXXX..Consumers are only allowed to modifiy their loans once in length of the loan ... but this message and along our credit reports show our loan closed XX/XX/XXXX and have been showing negative since that date with no reporting of us making payments since XX/XX/XXXX on time ... their was no modification done because there had already done a modification ... WE BELIEVE BOA AMERICA HOME LOANS WROTE OFF THE REMAINING INTEREST AT TAX TIME BECAUSE WE WERE UNABLE TO MAKE OUR PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX WHEN THEY TOOK A LARGE AMOUNT TO REINSTATE OUR LOAN CLOSE TO {$15000.00} AND WE HAVE BEEN MAKING PAYMENTS ON TIME EVER SINCE. HOW CAN THEY CLOSE OUR LOAN AND REPORT XXXX BALANCE SINCE THAT TIME AND ITS SHOWING NEGATIVE AGAINST US ... THEY ARE STILL COLLECTING FROM US BUT SHOW A CLOSED ACCOUNT WITH A XXXX BALANCE. i FEEL LIKE WE ARE BEING SCAMMED THEY WROTE US OFF AS A BAD DEBT OR THEY COLLECT FROM PMI OR SOMETHING..THEY SENT THE POSTCARD TELLING US THEY FORGOT TO TELL US.. SO IF THATS THE CASE WE WANT OUR MONEY BACK THAT WAS PAID IN XX/XX/XXXX TO PRESENT.. THEY CAN NOT WRITE OFF A LOAN AND STILL COLLECT. ALSO WHEN THEY SENT OUR MORTGAGE THIS XX/XX/XXXX THEY CANCELED CONTRACT.. IF MY LOAN IS STILL WITH BOA WHY IS ALL OUR INFORMATION BEEN ERASED FROM MY BANK OF AMERICA SIGN IN.. SOMETHING IS NOT RIGHT WITH THIS I FEEL LIKE THEY ARE COVERING UP AND STILL COLLECTING MONEY FROM US..HELP FEDERAL TRAD COMMISSION GAVE ME YOUR WEB ADDRESS AND ASK US TO FILE COMPLAINT WITH YOUR COMPANY ...
I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.
I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.
on XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my score
To Who m It May Concern, Re :  loan number  XXXX  wit h Wells Fargo, I have sent a certified letter to Wells Fargo  on  XXXX   XXXX  and they have received it a   XXXX   after. In my letter I advised them that I have, at least   XXXX   times, calle d (   XXXX  ) and e-mailed to the commercial servicing as advised in the notices about the insurance matter since  XXXX . One time on  X/X/XXXX  I spoke to a man which I forgot to ask for his name who said everything looked fine, the other time I spoke to a lady name  XXXX . And my insurance agent  XXXX  called and spoke to a man name  XXXX  because I kept  receiving notices stating I owed mone y to Wells Fargo du e to the fact I do n't have insurance ther efore Wells Fargo force d to purchase one for me. This issue seemed to be a problem every year when I renew my insurance for this loan number on property located at  XXXX   XXXX  &amp;  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Ca.  XXXX . I have renewed insurance on this property in  XXXX   XXXX  under policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX  and policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX . These policies will be expired in  XXXX   XXXX . My insurance agency is :  XXXX   XXXX   XXXX   XXXX   XXXX , phone number  XXXX  has provide d Wells Fargo wit h both policies on  X/XX/XXXX . Regardless, I kept receiving letters showing current insurance due of { XXXX } is due  XXXX   XXXX . My question is, why would they have to buy insurance for me while I already bought mine and my insurance, just like in the last  XXXX  years, provided to them? why did n't they get back with me or my insurance agent as they said after many of my phone calls, my insurance agent phone calls and emails? and kept sending notices stating they will have to buy insurance for me? when I sent them the last letter I also attached with it copies of my policies, and asked them to get back with me. They never did. Instead send me a new bill for the insurance. I 'm very frustrated w ith Wells Fargo. This lend er is really a worse lender and unethical conduct, unscrupulous and no professionalism.   Please give me your hand, please help me.   Thank you very much.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca.  XXXX   XXXX  XXXX  XXXX
As of late XX/XX/2018, the Advance Financial company, a payday lender headquartered in XXXX, Tennessee, was notified in writing of my revocation of the ACH for automatic debit withdrawals from my bank account. Over the period after which such notice was provided, three separate payments, amounting in total to {$250.00}, have been deducted from my account. I have contacted AF in order to request that these charges be reversed, yet no restitution has been provided as of this writing. Attempts to verify the receipt of and commitment to honor the ACH revocation with the AF legal department have been unsuccessful.
My guest trailer/camper burned down XXXX 2014. Insurance paid out XXXX dollars. I have spent about {$60000.00} in clearing, demolition, and rebuilding to date. SPS my mortgage lender has paid out {$29000.00}. 
Now the County has tagged my property for various violations and the DA is threatening Jail time if violations are not fixed in a timely manner. I have reported this to SPS and filed all paper work for proper reimbursement. How ever SPS has been stalling for the last two months and I could end up in jail. 
Please help
My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.
Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.
My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount.

Balance {$10000.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX
I was given a {$50.00} XXXX XXXX XXXX on XX/XX/XXXX, for Administrative Assistants day, Upon activation of the card in early XX/XX/XXXX, I was told the card was worth about {$22.00} because of administrative fees. The back of the card states that fees would begin with the XXXX month of card issuance. Since I had the card for less than a year, I feel the company has stolen {$31.00} from me. 

I used the card on XX/XX/XXXX, when the full value was {$19.00}. Additional fees had been deducted because I telephoned the company with questions.
A name that is reported is wrong. The wrong name is XXXX, XXXX, XXXX. My correct name is XXXX XXXX XXXX. The address reported is wrong. The wrong address is XXXX XXXX, XXXXXXXX. The correct addresses are XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove XXXX, XXXX, XXXX and XXXX from my reports. I have never used that name or lived at that address
Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.
commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES
I called TransUnion on XX/XX/XXXX to get rid of the inquiries that were removed and placed on my credit report again. I was a victim of their inquiry issue.My inquiries were deleted and added back my TransUnion because of their glitch. Transunion didnt send any paperwork about the inquiries that were added back. Transunion placed those inquiries on my report without my knowledge.Customer service would not help and take care of the negative inquiries reporting on my credit report. 

These are the inquiries that Transunion placed on my report.

XXXX XXXX Date Filed XX/XX/XXXXXXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX/XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX-XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record XXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX
Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided
I received a letter from US Bank stating that they have mailed me an escrow refund and the check has not cleared. I called US Bank to tell them I never received the check. They told me that they would issue me a new check for a charge of {$15.00}. I told them that I should not have to pay the charge since I never lost the check. It was not received by me. I told them that If I mailed them my mortgage payment and they did not receive the payment I could n't charge them {$15.00} for not processing the payment I mailed them. They told me that the tracked the envelope to the post office that serves my home. I told them that I did not receive the check. I receive my neighbor 's mail all of the time. It could be sitting on his kitchen counter and he could have forgot about it. I objected to pay the {$15.00} fee since I did not lose the check. I asked to speak with a supervisor. I spoke with XXXX supervisors after the initial customer service person. All of them told me that they would not waive the fee. They told me that I could wait 6 months after the check was issued and then the check would be cancelled and my escrow account would be credited. I asked them why I need to wait 6 months to receive my escrow refund. If a customer calls and tells them it was not received then they need to resend the payment and not hold it hostage for {$15.00}. As of today they will not issue my refund unless I agree to the {$15.00} fee. I will not agree to the fee out of principal. They basically bully you into paying the fee. Either pay the fee or wait until next year for us to refund the money. Do n't pay the fee and we will hold your funds. I am certain many other borrowers have caved in to their demands to pay the {$15.00} fee in order to receive the refund that they never received in the XXXX place. They tell me that people call them all of the time to tell them that they never received the escrow refund. Perhaps they need to establish a better procedure to reduce the occurrence of this issue. If a problem repeats itself that tells me that you have a problem with the procedure. 

I told them that we are wasting allot of time to solve this problem and that my phone calls probably cost more than the {$15.00} fee. All of the supervisors told me that they did not have any authority to waive the fee. I told XXXX of the supervisors that if he is in management and does not have the authority to waive a fee for {$15.00} then he is not in management. What kind of manager has no authority to waive a {$15.00} fee. I asked to speak with a manager who would have the authority to waive this fee. I was told that no manager has the authority to waive this fee. 

Here is the bottom line- When a customer calls to tell you they never received the escrow refund then send them the refund and thank them for being a client of the bank. Do n't tell them that you are going to charge them {$15.00} because that is what it costs to re-issue a check. They basically are telling me that I am a liar and need to pay the fee because I lost the check.
Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # XXXX
Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX
A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.
In XX/XX/XXXX I opened a Citi Gold account with a XXXX deposit Citibank were offering a XXXX bonus after this had been left in the accound for a minimum of three months and found this was a far better return than interest rates from any bank. This account was opened by a 'new accounts manager' at a local branch and my regular Citibank Debit card was used to get all the details about my account. After XXXX months I enquired when the bonus was going to be paid and they explained that payment would be deposited in anytime upto XXXX after the initial XXXX months.  I was perplexed about this but though maybe it was in the small print and accepted this. After the XXXX month mark I enquired again about payment of the bonus payment and Citibank then said I hadn't made any electronic payments from my account which I had done to pay my credit card off so they then did a XXXX degree turn and said that it was because I already had an account which I opened in XX/XX/XXXX. I made it very clear when I opened this 'new' account the reason opening it was because of the bonus and the fact they opened it up with information from my existing Citibank Debit account card clearly identifies that I already have an account. I would have been more than understanding if they had made it clear that this offer was only open to new customers with XXXX to leave in their account for XXXX months but this wasn't and find it incredibly deceptive.
Equifax confirmation # XXXX investigation results dated XX/XX/XXXX stated that the disputed public record was not reporting on my credit file. I'd previously sent many certified letters with documented proof that this was an erroneous and unverified public record by purchased from 3rd parties. I then requested a copy of my full credit file so I can see proof that the record was indeed removed and instead I get a full reversal of the investigation with no valid reason why in Equifax confirmation # XXXX dated XX/XX/XXXX stating they will keep the erroneous, unverified public record damaging my credit rating for 10 years. 

I know for a fact that Equifax has not verified this public records because I called the Court house and received a written statement that this information was never transmitted to Equifax or anyone else. I also know that Equifax has not verified this information form XXXX XXXX because 1 ) I've have an identity theft/breach freeze on the account since XX/XX/XXXX and 2 ) XXXX XXXX is a 3rd party vendor that sells data to reporting agencies and do not have the ability to verify or validate the accuracy of the information under any circumstances. 

So before I escalate this continuous issue with Equifax to small claims court seeking no less than {$5000.00} in damages I am raising this issue via CFPB and the Federal Trade Commission so my FRCA rights can stop being violated. I have attached the documented proof from the Clerk of Court, and responses by Equifax showing the conflict and total reversal in the investigation results. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.