WillisBack/dataset-financial-user-claim huggingface dataset:
I have two mortgages with Bank of America. I have been trying since XX/XX/XXXX to refinance both of them. The loan # s are XXXX at 8.99 % and the other XXXX is interest only right now. They total XXXX. Due to circumstance I have fallen behind on payments. I also have first mortgage with a different lender XXXX which is XXXX current and escrow is also current. I have a high debt to income. I do not want anything taken off. I want to pay all I owe. I would like them to combine at thirty years with a lower interest rate. Right now anything I pay they take as interest and late fees. They have sent me several packets I fill out the paper work and fax it back. So far I faxed it back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All I receive back are robo calls? 

Please help with this situation. 

Thank You XXXX XXXX XXXX
On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,
You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.
Merchant Credit Guide is attempting to collect on a medical bill that the hospital did  not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...
The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.
I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.
XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I received a call today from premium asset services. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a XXXX time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.
I disputed a collection with Equifax and they denied the dispute. The collection is for a hospital in Wyoming, and I have never been to a hospital there. I disputed the collection with XXXX and they removed it from my report.
I was working with my credit card issuer ( Chase Bank ) to ensure funds from my payment account ( XXXX XXXX XXXX ) had cleared when they had already showed as cleared via my available XXXX XXXX XXXX funds. Chase proceeded to initiate a phone call XXXX XXXX XXXX XXXX to my other account XXXX XXXX XXXX XXXX XXXX while I was on the phone and the Chase Payment supervisor proceeded to hear all of my relevant balance / account / personal information from the system as well as via the Customer Service Rep from the XXXX XXXX XXXX. This in effect made me feel extremely uncomfortable because in effect, my financial privacy had been invaded intentionally by the Chase payments supervisor. I have also realized today that there has been another " hold '' on my payment to Chase bank for my Chase Freedom Unlimited credit card and they 've informed me that I 'd have to initiate the same process as described before on the next upcoming business day, again, violating my financial privacy. This is an unacceptable practice and I do n't feel that this is a legal course of actions on Chase 's part just to release a hold on a payment I 've made to them via another banking institution.
GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX
I had disputed XXXX in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found the account on my file again. this account is outdated, inaccurate, contains incorrect dates and status ' and is not reporting correct payment history. It has no place being on my file if they refuse to conduct a proper investigation to correct it. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified it and let the account remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify the derogatory item. They must remove it if they can not honor my request to correct the accounts information and show me how they verified them and allowed this to be reported to my file. You can not delete something and place it back to my file months later. That is suspicious and sneaky
I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.
On XX/XX/2016 both XXXX and XXXX asked us to make a payment outside of escrow and off the HUD " so that it does n't mess up the HUD and brings down the balance needed to get an approval ''. This request was repeated on XXXX and XXXX by XXXX. 

The negotiator and the negotiator 's manager, XXXX, said that an upper level VP in USBank told him to make these requests. 

***The Vice-Presidents at USBANK are DIRECTING THE NEGOTIATOR, ESCROW, BUYER, SELLER AND ALL AGENTS IN THIS TRANSACTION TO COMMIT FRAUD BY GIVING DIRECTION FOR THE SELLER TO SEND THEM MONEY OUTSIDE OF ESCROW -- -- - AND THEREBY HIDING THE MONEY FROM XXXX .
Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them.
In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you.
At time of service XXXX/XXXX/XXXX double insurance coverage file as uninsured. Contacted hospital. Gave insurance information a second time as it was supplied at time of service. Instructed them to file XXXX primary XXXX secondary in XX/XX/XXXX.Thought it was resolved. Showed on credit report XXXX. Call debit collection who says it was filed as uninsured. And with optima health have to address with hospital.. Call XXXX Hospital of XXXX and XXXX County. They show filed with XXXX and XXXX withdrew payment.Should have been filed with both. Addressed in XXXX. No other bills sent. Showed up XXXX on credit. Contacted XXXX awaiting them to pull claim file. No opportunity supplied by hospital to correct in fact since no other bills received assumed resolved.
I  started loan modification XX/XX/2015 wells fargo ln XXXX  XX/XX/2015 received loan mode papers XX/XX/2015 wells fargo acknowledge that received my loan mode papers papers, XX/XX/2015 wells fargo send me letter that not received my papers so taking to foreclosure XX/XX/2015 wells fargo refunded my extra funds XX/XX/2015 new SPC XXXX assigned for Loan Mode XX/XX/2015 I called wells fargo   gave all financial info XX/XX/2015  XXXX  acknowledge that they received information  , XX/XX/2015 XXXX new SPC  ,XX/XX/2015 I raise objections needed answered  still not received  any reply from wells fargo ,  XX/XX/2015 & XX/XX/2015  wells fargo send letter to me that they need more time to answer my objection  letterXX/XX/2015 recorded foreclosure on house while I was in process of loan mode & correspondence , XX/XX/2015 & XX/XX/2015   I  received call to submit my  complete loan mode  XX/XX/2015 & also XX/XX/2015 I I fax over XXXX pages  complete loan mode package as requested,  XX/XX/2015  fax all  corespondence sequential papers to wells fargo , Till now , I did not received there reply but I am in foreclosure without Notification of Denial loan mode  and appeal   . My objection letter dated XX/XX/2015 reg mail to Wells Fargo Mortgage &  also to XXXX ., I requested them to answered with in XXXX days . Instead of reply / answering  they put my house in Foreclosure.
My Foreclosure sale date XX/XX/2015 . I give Wells fargo remedy and  solution which help XXXX parties .
   In the past wells fargo approved me for  forbearance plan than for HAMP , I paid XXXX agreement more than a year and then suddenly they stop taking my payments my all payments during agreement was in time .Now I am requesting  to give me previous HAMP deal= XXXX./ month including every thing.
Other wise XXXX parties will waste time & litigation money.
My Address is  XXXX Ca XXXX  TelXXXX / XXXX
  I can fax you all recent  sequence correspondence letters , so you can convince Wells Fargo,  and I authorize you to talk on my behalf  and do legal investigation to stop , cancel, resend  about illegal Foreclosure Sale on   XX/XX/2015.   I can provide all proof as needed  ,
all my statement is true to the best of my knowledge  Thank you. end.
I applied for a 18 mo. CD at Ally Bank for {$75000.00}. They withdrew that amount twice with authorization for only one. It resulted in insufficient funds charge on the checking account from which it was withdrawn. They refused to interrupt the transfer and I was charged {$34.00} by my bank for the ISF. I received confirmation of only XXXX transfer but they still contend I made XXXX requests. The branch manager at my checking account bank called Ally while I was in the office and they agreed to return the second {$75000.00}. They will not pay the cost of doing so. I told them I wanted the whole transaction cancelled and they will charge me 60 days interest or approximately {$150.00} for the 2 days it was funded. I have been a customer for several years with Ally, but wo n't continue to be if I can find a way to remove my accounts from them without severe penalty.
Equifax failed to adequately protect my personal information, which it had gathered without my consent in the first place, and which is used by financial institutions and lenders to open lines of credit. As such, Equifax has disclosed private information in my credit report to unknown individual ( s ) and put my entire financial life at risk. At a minimum they have cost me {$20.00} at this time to freeze my credit reports at  the other two agencies, and will cost me at least {$30.00} to unfreeze those reports at another time. Furthermore, the time and effort it took to get this freeze instituted should be taken into account. Equifax 's failure cost me time and money and will continue to do so for years, as I will have to temporarily lift this freeze whenever I want to open a new credit account and then reinstate the freeze when done. Their disclosure of my personal information, including SSN, is unacceptable. Their delay in informing the public about this disclosure is further unacceptable. And their use of a flawed tool to suggest that people were not implicated in this data breach, which returned random responses and certainly led me to delay in instituting credit freezes borders on active concealment of the breadth of the breach.
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.
I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.
To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.
Of counsel represented me in determining that this debt was invalid and not issued to me however the entity that owns the debt continues to post the account to my credit report even though this has been resolved through litigation.
WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.
I replaced my XXXX lease of a XXXX XXXX with a XXXX XXXX XXXX. During the process of this transaction Hyundai has recorded that I was late for payments on the XXXX lease that I was not responsible for paying because I had traded the XXXX car in for a XXXX. It has impacted my credit score with XXXX and XXXX. I need Hyundai to correct the late payments on my credit bureau, I have never been late for any payments with Hyundai.
I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all is XXXX.
I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower.