WillisBack/dataset-financial-user-claim huggingface dataset:
I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.
On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.
Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.
This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.
THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
We got affected by hurricane Maria. 
I filed for FEMA and was denied assistance because my mortgage includes home insurance.

I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.
XXXX XXXX XXXX. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??
OnXX/XX/XXXX ( XXXX CST ), I noticed several charges had been placed on my American Express Bluebird card. I have my paycheck Direct Deposited to this account, and it is the only account I have. There were several charges. I immediately contacted my card company, and informed them there was fraudulent activity on my account. The charges were still " pending '' at that time. Total of all charges was around {$700.00}. They informed me that I would have to wait for the charges to complete and then call back to continue the fraud report. I was told to destroy the card, which I immediately did. The next morning ( XX/XX/XXXX ) the charges began to complete and I immediately called American Express back. I was informed that I would have to complete a " Declaration of Fraud '' form, which they would email to me within 2 days. They would then proceed with their investigation, and get my money back to me. The next day I got an email telling me my account was suspended and they list the reason as me having violated their terms of service ( something I in no way did. ) I have been back and forth with them on the phone ever since, getting the run around and being told " we are going to escalate this case ''. I finally received the " Declaration of Fraud '' form this evening (XX/XX/XXXX ), but now I ca n't even fill it out, because I have no way to access my account to get the information the form requests. They say I have another 6 days to finish the form, but when I called again today, I once again get the run around. I luckily took a screen shot of some of the fraud charges, all from the XXXX of XXXX : {$100.00} [ XXXX XXXX, {$200.00} [ online purchase ], {$1.00} [ XXXX ], {$1.00} [ XXXX ], {$96.00} [ XXXX ], {$96.00} [ XXXX ], {$61.00} [ XXXX XXXX XXXX ], {$120.00} [ XXXX ], {$11.00} [ XXXX ], {$1.00} [ XXXX XXXX. 
I absolutely did not make these purchases. I do n't use XXXX, or XXXX, or XXXX XXXX and it seems to me that it would be fairly easy to track exactly who DID use my card for these purchases. Instead I am being given the run around by a group of " fraud specialists '' with names that include : XXXX, XXXX, and XXXX at American Express. I have attempted to file a police report, but they wo n't file the report until I can document the fraud with documents that American Express wo n't get me. I just want my hard-earned money back. I have no way to pay my bills, put food on my table, or even put gas into my vehicle so I can go to work. 

I have never authorized anyone else to use my account, nor have I ever provided my account information to any other person.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018 2018
I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it removed.
Hello we had just moved to XXXX at the time of purchase as we were in need of a vehicle to get to work and back. On XXXX XXXX XXXX we we t to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to look for a vehicle to trade our current in for. We found a XXXX XXXX XXXX that we felt safe in and took the step forward. We put {$500.00} down and traded our XXXX in towards the purchase. The loan we got was through Santander Consumer USA and the interest rate was 24.8 % and at this time it was our first purchase of a vehicle ever ... So the interest didnt sound terrible. 
Over the first 36 months we were only late by 30 days on 3 payments and paid $ XXXX. After 3 years it seemed our principal had not moved much at all. When we moved to XXXX in XXXX we could not afford the vehicle anymore ... We let it be taken back after daily calls, harassing messages and misleading information being given. 
After recently looking into USURY laws for the state we realized that the state maximum for XXXX is 10 %. We have tried working with them but after realization of being overcharged for interest and for each payment having {$300.00} of the {$370.00} go to interest, we feel taken advantage of. This has gone into our credit for a debt of {$13000.00} being owed now, without us knowing what it was sold for at auction. A law suit may be the only other option but we are hoping things can be settled this way.
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX  that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.
My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.
A company called Empire Resolutions at XXXX keeps calling my home phone. They have called my home more than 4 times looking for a XXXX XXXX ( my ex-husbands first wife ). I have no communication with her and I have asked this company to take my phone number off their call list several times. The have an automated system that keeps calling my home. I actually spoke with someone twice and asked them to stop but they still continue to call. I know my rights under FDCPA and they are not allowed to robo-call nor are they allowed to call family members, friends or third parties more than once. THEY HAVE CALLED ME MORE THAN 4 TIMES IN A 4 DAY PERIOD. Please do something about this!!!
First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/XXXX. During this time we faced a tragedy. My husbands father was kidnapped and XXXX   XXXX  going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX  and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with XXXX  XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted New American funding in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. New American funding refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XX/XX/XXXX at XXXX XXXX  the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called Broker Solutions INC, well I looked them up and it just so happens that their DBA is New American Funding.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the report.
Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
Called my wife about an alleged debt. Then called me. I called back and the woman asked if my wife was available I said no and said I'm her husband. She accepted that as fact without verification and went on to tell me about some debt incurred in XXXX of 2017. When I asked her for a verification of debt she told me I would need to do that in writing and that if I was trying to buy time it wouldn't work. Debt collectors are required by law to proffer a VOD.
Hi! Ive disputed inaccurate information several times with Experian related to a a student loan that was never late. Most recently in XX/XX/2018 I provided letters from XXXX stating the XXXX of XXXX XXXX accounts reported as 60 days late last year were not late in the months the report claims ( or ever ), and after another long reinvestigation period, the error still has not been corrected. XXXX states unequivocally the account was never late. I dont know what else to do after providing proof on the companys own letterhead and still getting no result. Its been almost a year Ive been trying to get this fixed with no results.
I was contacted by Credit card debt attorney Hayt, Hayt and Landau about a credit card debt from XXXX  XXXX XXXX. I have written to them twice and asked for proof that they are legally responsible to collect by providing me with valid assignment from original creditor and affadavit or testimony from original creditor attesting that the bill of sale is true and accurate. To date I have received not a single written response from them. They filed a lawsuit in my county against me but I have yet to be served. I know this because I was contacted through a advertisement by a attorney that provided me the information and offered to represent me in filing bankruptcy. I asked how he knew that I was being sued when I did not know. He said that he was a bankruptcy attorney and that he checks public records. The lawsuit was filed in XX/XX/2018. My letters were sent in XX/XX/2018. 
I offered to make a settlement If they could provide me the proof that they are legally responsible to collect. Still I heard nothing back from them. I am XXXX and living solely on social security payments. I have no savings. What are my options when they will not respond to me. Thank you, XXXX XXXX XXXX
This company is trying to collect {$1900.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.