WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America had an event for Home owners in trouble with their Mortgage.I drove XXXX hrs to attend the event.My wife went from unemployment to part time to full time on her job.I am an Veteran on XXXX XXXX. The first agent we had was XXXX XXXX we explain to him we wanted to apply to the unemployment fund.We kept sending the paper work that she was receiving benefits.The Bank said we was not sending the right paper work, That was the only paper work we had.We went to my wife` retirement plan to with draw XXXX payments to catch up on the mortgage payments. Now instead of helping us we went back into the Bank` pool. case closed.We receive a {$5000.00} XXXX Bill from water and power.I went to the event where we receive XXXX XXXX for our agent we sent in all paper work that was asked for.The help we receive was visits from people from the Bank looking at our home.Our neighbor making sure we receive the letter from from Bank of America than calling someone.Someone in this neighbor works with Bank of America and is watching our Mortgage payments.We have reach out to home save California where they found a Tax Lien now payments are being made for XXXX a month. that we are making so we are waiting for them to help us.What I don`t understand is why the only help XXXX XXXX says we can receive is a Short Sale on our home.
Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.
I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.
TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.
Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.
To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.
On XX/XX/2018 I called Capital One and spoke to XXXX ID # XXXX in regards of the late payment they put on my credit report for XXXX showing I was late. I have proof that I made a payment on the XX/XX/XXXX, 5 days before the actual due date which the XXXX of each month. XXXX stated that its reporting that way because of how their billing cycle are set up and from my previous late payment for XXXX and XXXX. Yes I was ate for XXXX and XXXX. However, I made my payment a few days later on XX/XX/2018 for {$730.00}. I have no control of how they run their billing cycles, but I do have control of my credit report. They are in violation of FRCA, and can only report valid information, nor can they penalize me for any previous late months. I have written the CEO twice and have proof of those letters also and contacted all 3 credit bureaus, and file complaint with XXXX. As I stated to them If this is not handled accordingly, the next step is to sue them for incorrect reporting. They can never give a valid reason to why they make their decisions and I am fed up at this point. I have witnessed many people who get these remarks removed which leaves them into discrimination. I have given them 30 days to respond. Its funny how the CEO can respond to these complaints but he has an executive team to handle his emails ... .. Below are several documents of my payments and evidence that they help who they want, and second letter to the CEO.
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.
This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.
I am getting REPEATED calls for debts I do not owe that my ex-husband owes. Every time his debts get sold, the calls start again. 

Today I received call from Portfolio Recovery Associates. I asked them to remove my name ... .My ex has never used this number, I am remarried and now have a different name. I am sick of being dragged into his nonsense. 

At the same time they were calling me they called my MINOR son. My son is XXXX years old. They have no business calling a child and dumping his father 's mess on him. I had them remove the number and told them if either one of us receives another call, I will sue them. 

My son is a child, he has been through enough because of his XXXX father.
I received student loans in XXXX and XXXX. {$8000.00} that started a Dept. Of education and moved around do many times I ca n't remember. Each time more and more money, penalties, interest added. 
I have been at Navicat since XXXX my loan ballooned to {$20000.00}. Today it 's {$23000.00}. 
I have been unemployed off and on in XXXX to XXXX, XXXX to XXXX, XXXX to XXXX. Unemployed all of XXXX. 
Laid off XXXX XXXX. Just started back in XXXX XXXX. 
Why has n't my loan moved and it grows XXXX a year. That 's more than interest. 
I have paid the {$8000.00} and then some. This madness needs to stop.
XXXX XXXX XXXX never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the XXXX XXXX XXXX Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.
I have been XXXX by the loaners. I can not continue to have them garnish my wages because i have been trying to pay them off for years and now i can not even attend college anymore.
I have previously requested from all three credit bureaus : XXXX, EQUIFAX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effecXXXX XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
I have a total of 5 open accounts and 1 account that was closed. 
I attached a screen shot of the status for all my accounts and the one account that is showing a negative/DELINQUENCY is XXXX XXXX XXXX, the same one Experian is saying doesn't have a DELINQUENCY reported for it. PLEASE review all the screenshots and advise why my report has the DELINQUENCY. 

P.S. 
I attached the original letter from XXXX XXXX stating they incorrectly reported the DELINQUENCY on my report. But you are saying that does not relate to XXXX soooooo ... .... Which account is it for????? I attached status of ALL MY ACCOUNTS FROM EXPERIAN .... THIS SUCKS THAT I PAY MEMBERSHIP WITH EXPERIAN AND I CAN'T GET THE ANSWER OR PROBLEMS RESOLVED.
Sir/Ma'am, Citibank claims to have paid the vendor - XXXX ( a business based out of XXXX XXXX , Florida, XXXX XXXX XXXX, Contact : XXXX XXXX XXXX XXXX ), {$980.00} on my behalf through my credit card account in XXXX 2015. 

They paid the vendor initially through my credit card account ending with XXXX, then reversed the amount when I disputed it. Then they closed the account ending with XXXX and provided me a new card ending with XXXX. 

Subsequently, they charged the full amount of {$980.00} back to the account ending with XXXX. 

The vendor who owes me a refund of the full amount ( {$980.00} ), claims that Citi Card never paid them the second time after reversing the charge the first time. I have been calling up Citi Card customer service for the past 5 months to get proof of payment made to the vendor so that I can submit the proof with the vendor and receive my full refund. I have already paid Citi Cards as part of my monthly payment. 

Citi bank refuses to provide any sort of proof. They keep hoodwinking me after making me jump from one person to another and making me wait on the line for 45 minutes to one hour every time I call. They claim that they will email the proof to my email address and they never send it. And they refuse to stay on the line until I receive the email. They promise me that someone will call me back and no one does. 

It 's been five months and I have no clue where my money is ( {$980.00} ). 

Citi bank tells me it is with the vendor 's holding bank ( XXXX XXXX XXXX : XXXX XXXX XXXX ) and the vendor, XXXX, tells me their bank never received the payment from Citi. 

I have, frustratingly, been patient with both the vendor and Citi bank for the last 5 months and I 'm coming to you as a last resort. 

If Citi bank can provide me or the vendor with proof of payment, then I can receive the refund from the vendor. 

The vendor also asked me to ask Citi bank to open a formal investigation with their compliance department but Citi refuses to do so. 

They even refuse to provide me with a case number and I have to explain the situation every time I call to every person that my call is transferred to. 

They have harassed me for the last 5 months and have not been straight forward or helpful. 
Thanks & RegardsI demand that Citi resolve this issue immediately and help me in getting my money ( {$980.00} ) either through a refund from the vendor or recompensating me directly, depending on which party has my money.
I was shocked when I reviewed my credit report and found multiple inaccuracies on the way it's reporting into the major credit bureaus. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Failed To Validate Alleged Account Due The defendant " Cedar Financial '' failed to validate an alleged account due. All they did was send an invoice or a statement. They never supplied an agreement, application, or contract with my signature on it. They never presented me with an itemized breakdown of the alleged account due. It is my opinion that the defendant is in potential violation of Federal and State Debt Collections Laws.
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made 4 request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?