WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DIVERSIFIED XXXX # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX  Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.
Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks
My husband and I applied for mortgage assistance through our lender, Selene Finance, on XX/XX/XXXX. Our mortgage company contacted us yesterday, XX/XX/XXXX to tell us that we have been denied and that the reason for denial is that we do not make enough money to get assistance. We were told that our investor, XXXX XXXX, had made the decision to deny us ( which is untrue because it says right on the XXXX XXXX website that they are only the guarantor and do not make decisions of this caliber ). When I asked for the phone number for XXXX XXXX so I could call them, I was provided with the XXXX phone number and was told it was the HUD phone number. My husband and I have been going through some serious mortgage issues since about XX/XX/XXXX and every time we 've gotten close to having our issue resolved, our company has been seized by the government and we 've been transferred to another lender which has forced us to begin the entire process from scratch each time. We currently owe about {$240000.00} on a house that is only worth about {$150000.00} and we were looking for " HAMP '' style help to reduce our principal. My husband and I both work full time and we are both veterans. How is it possible that we do not make enough to receive assistance? If we made more money, we would not need assistance.
( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. 
I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA
( 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 These number do not belong to me my phone number is XXXX. So the number that is above do not belong to me.
I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!
DATE : XXXX/XXXX/16 TO : CALIBER HOME LOANS XXXX, OK XXXX RE : Information Request Mortgage Loan Number : XXXX To whom it may concern : I am writing to request the information described below in regard to the mortgage on my property at XXXX, Al XXXX. 

Please accept this letter under RESPA and/or TILA. 

Please provide to us an accurate, ITEMIZED, reinstatement amount for the above referenced loan. 

Thank you for your cooperation in this matter so we know our options on reinstating our loan and avoiding foreclosure. 

If you need to contact me to discuss this request, I can be reached at, t Sincerely,
I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.
I have a bankruptcy on my credit report ( XXXX ). The only credit reporting agency that would not agree to fix my issue was equifax. The bankruptcy was never discharged. My discharge was withheld for failure to submit certification of instructional course for personal financial management. The case is reporting in accurately. I have spoken to many people over the last 3 months including supervisors. I have also been transferred to the office of consumer affairs and spoke to the supervisor their also and still received the same issue. I spoke to the bankruptcy court and they verify what is being reported and say that my bankruptcy was not discharged. I have submitted over XXXX documents to prove my information is reporting inaccurately and im still dealing with issues.
My mortgage loan was taken over by Nationstar Mortgage from XXXX XXXX XXXX in XXXX 2015. For 10 years at XXXX I paid my mortgage bi-monthly as a term of my mortgage and there was never a problem, I was never late. I continued this practice when Nationstar took over. I have NEVER missed a payment. Now, they call me constantly telling me I 'm late, when I am not. Apparently they misapplied a payment initially which makes them think I am late. I have assured them that I have not missed a single payment. They are telling me that I now have to pay a private company {$290.00} plus a monthly fee to make my payments like this. Are you kidding me?? When I spoke with them in XXXX, the operator assured me that the misapplied payment had been corrected and that my account was current, but that never happened according to the call I got yesterday. It is very difficult to deal with these people as everyone I have spoken to has difficulty with the XXXX language. Now for the ultimate insult, they are now reporting to the credit bureaus that we ar 30-59 days late on our mortgage. This is slander of the highest degree since my account only shows that I am 15 days late even tough that is not accurate either. I have never been late on this loan and I do n't intend to be treated like this. They are ruining my credit for no reason at all. I will await the result of this inquiry and pursue legal action if necessary.
From XXXX XXXX to present, today 's date XXXX XXXX, XXXX, Synchrony continuous to call telephone number. Synchrony also uses another name GE Money a pseudo for Synchrony bank. I have spoken to a Synchrony representative to stop harassing phone calls. Only a XXXX organization would call to collect or charge late fees on accounts during natural disasters Hurricanes Harvey, Irma and Maria. It is not the consumers fault the USPS mail is effected by the natural disasters. 
Synchrony aka GE Money stop violating The Rosenthal Act. Consumers being violated or harassed by Synchrony contact Consumer Financial Protection Board.
I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XX/XX/XXXX and XX/XX/XXXX. That is hurting my credit score the department of education from Navient stated they were going to remove the late payment history to show as current and they still have not done anything.
Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.
On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to  XX/XX/XXXX. XXXX then conference called XXXX at XXXX XXXX and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called XXXX XXXX back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client Pendrick Capital Partners. After receiving this information the last 3 times I called XXXX XXXX without any update on the status of the investigation I decided to call the original client Pendrick Capital Partners to check on the status of this investigation. I spoke with XXXX at Pendrick Capital Partners on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
This debt collector is harassing me at my place of employment. They asked for the owner and told them that they needed to know what the protocol is to serve one of their employees with court papers. They told my boss that it was an emergency that I called back within the hour, saying it was a legal matter. I was pulled away from a client at work to call these people back. I called them, and they would not explain to me who they were and what the matter was shot and kept putting me on hold. I finally got upset and told them that I stepped away from a client and they need to tell me what they want from me and who they are. The last told me to go back to my client then and call later. I said NO, I 'm on the phone now, now tell me what you want? Then she said " I 'll tell you what I want '' and hung up on me. My boss called them back to see what was going on and they preceded to tell her that they needed to talk to me. I got on the phone and they claimed I owed a debt from a credit card that was opened from XXXX. I told them it 's not mine and they kept insisting it WAS and that I was going you be sued and my papers ares on their lawyers desk.. I told them I 'll get to the bottom of it and check my credit report to see if It was some mistake. I hung up with them, then they called my cell phone the next day leaving me a voice message that if I do n't take care of this matter today, that they will be taking further action. This is a scam I believe and I 'm sure the statue of limitations had also been passed. They were very nasty on the phone.
I asked my mortgage company for a modification. They did not grant one.  However, they added an escrow account to my loan account. My property taxes are current and have never been in default. And, after more than 11 years into my mortgage, the company initiated an escrow account to pay for taxes that I have been solely responsible for and paid since the inception of my mortgage. I have more than 40 % equity in my home. My down payment was over 20 % so that I avoided both PMI and an escrow account. Can my mortgage company force me into paying an escrow account after 11 years?
Firstly, Bank of America purchased my loan from XXXX XXXX  company. XXXX had just dropped the illegal escrow account due to a letter written to the Texas Attorney General 's office. We were never reimbursed the over-payments made to XXXX. However, when Bank of America purchased the loan, they added the escrow account back to the account at a deficit. My original loan dated XX/XX/XXXX, includes a signed escrow waiver agreement that states, I requested a non-escrowed account ( document included ). I also signed a truth in lending disclosure statement ( document included ) that ensures I am responsible to pay my own insurance and property taxes.
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Secondly, the mortgage account was tax exempt during the XXXX, XXXX, and XXXX  years. Due to my military service, I am a XXXX XXXX XXXX XXXX veteran ( document included ). I contacted Bank of America informing them of the tax exemption. Bank of America continued to place illegal escrow, forced placed insurance ( self purchased insurance copies included ), special assessments, miscellaneous postings, late fees, misapplied payments and escrow shortage charges. With tax exempt accounts, there should not ever be escrow charged to the account. Either way, my account should never have been charged.
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Thirdly, please review my credit history ( included ) printed on XX/XX/XXXX. No missed payments except for Bank of America. My credit history for all other accounts have an A+ payment history. Bank of America, fraudulently reported negative payment history to the credit bureaus. With my mortgage loan having a signed escrow waiver agreement and my 100 % tax exemption status due to my XX/XX/XXXX military XXXX rating, the escrow payments should not ever have been collected. Me and my family have suffered unnecessary hardship because of Bank of America 's fraudulent charges, incorrect credit reporting and excessive fees.
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On XX/XX/XXXX, my credit report was marked as 120 days late. I contacted XXXX, at Bank of America, for my account to be reviewed, due to my new tax exemption status. He stated that my account had been reviewed, per my request, and that B.O.A was making corrections to my account and would send the updated credit report to the credit bureaus. On credit report date, XX/XX/XXXX, B.O.A had made the necessary corrections and marked my mortgage account as " pays account as agreed ''. This year, XXXX, Bank of America made major changes to my credit report by stating that my mortgage account had 25 missed payments. All of the errors on my account are completely illogical.
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, CREDCO, provided a blanket disclaimer that they were a third party and would audit XXXX XXXX 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until CREDCO completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. XXXX XXXX 's telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.
" Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX   while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX   and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?
My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.
I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. 
I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.