WillisBack/dataset-financial-user-claim huggingface dataset:
We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.
I have sent several letters to Experian to remove two debt collections off my credit report. I have also contacted the collection companies myself to verify the debt. I have not heard back from the debt collectors, and Experian has failed to properly verify my disputes. I have sent letters to the credit bureau to verify and validate these debts but the keep saying they're accurate or they will not re investigate because they have already investigated once before.
Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX
The following student loans were reported on my credit report.. 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, and XXXX XXXX XXXX XXXX..Based on my research, all government funded loans are not allowed to be reported , this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint : PNC Banks refusing to accept mortgage payment for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property. 

I reside in XXXX XXXX, FL. I have a VA mortgage with PNC bank as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, I went to 2 PNC Banks ( PNC Bank-XXXX on XXXX XXXX and PNC Bank on XXXX XXXX on XXXX XXXX ) to make payment on my mortgage ; PNC tellers notify me that there is no pending payment on my account and my account is showing a XXXX balance. Also, there is no mortgage account associated with my name. I requested a copy of this information, but my request was denied. This was quite abnormal because I made 99.9 % of all my mortgage payments through PNC Bank tellers for the last four years. I attempted to make a payment on PNC Bank Payment Options Center online, but my mortgage account information was not listed in PNC Bank Payment Options Center online. I contacted PNC Bank ( XXXX ) -XXXX automated payment system where I was automatically provided with a pending balance. I paid my monthly mortgage payment through the automated payment system over the phone. This automated payment was listed as PNC mortgage 2nd mortgage in my banking statement which is quite puzzling because I never took a 2nd mortgage on my home. I research XXXX County Property website and there is no 2nd mortgage listed ; also, there is no payoff from PNC bank showing that my mortgage is paid off. I have not received any correspondence from PNC Bank pertaining to this matter beforehand. Furthermore, I had 2 witnesses to these incidents. It seems that PNC Bank is refusing to accept payments for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property.
see complaint number XXXX  THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page 1 XX/XX/XXXX, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/XXXX WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN.
SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. 

Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. 

The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.
I sent an id theft affidavit to Trans Union to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section XXXX clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
I have recently checked my credit and discovered a fraudulent collection account is reporting in my credit report. I am a victim of identity theft and XXXX XXXX XXXX ( ACCOUNT NO : XXXX, ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT is a fraudulent account. I have no knowledge who opened this account because I have never let anyone to use my personal information to open any account for any purposes. Please help me to resolve this problem.
On XX/XX/XXXX, I spoke with XXXX from Equifax, Inc about my Credit Score not being updated since XX/XX/XXXX. She stated she would get my credit score updated in a timely manner. I have given Equifax the appropriate amount of time and my credit score still hasnt been updated since XX/XX/XXXX.
I went to a hotel in my city of XXXX where I believe the front door clerk stole my card information. when I realized the balance I immediately called chase for a resolution and was denied any help. I could n't believe how betrayed I felt by a company entrusted my funds with. Its like everybody 's nice until you need help. I just want my money back and my acct secured correctly.
This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Tel : ( XXXX ) XXXX Email : XXXX Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN, On or about XX/XX/2018, my Bank of America Debit card Account last # XXXX was used fraudulently by a unauthorize person ( s ) to make a purchase a fraudulent transaction on XXXX for a total amount of {$970.00} ( XXXX XXXX and XXXX XXXX Dollars ). 
When I noticed that transitions I notify my bank about the charges on my account with the 60 days period. Bank of America gave me a temporary credit for the full amount pending investigation. 
On XX/XX/2018, Bank of America reverse that charges and took the money bank and place my account in negative and stating it was my responsibility to protect my account. On XX/XX/2018, I spoke with XXXX from the Claims department and she told me the same thing that is it my responsibility to protect my account and I should have known that my account was used fraudulently. 

The Fair Credit Billing Act allows credit card users to contact their credit card company within 60 days of receiving the credit card statement with the unauthorized activity. I notified Bank of America within the 60 days period that my account was used without my permission. 

I did not authorize this transaction that appeared on my account and I am a victim of identity theft. 
My XXXX account was not the account that was used to make the purchase and I did not authorized anyone to use my card to make any purchase on XXXX or any other site. 
The fair Credit Act purposes to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in open end credit accounts such as credit cards or charge card account. A dispute was filed in a timely manner so I should not be liable for a unauthorize transaction on my account. This matter needs to be resolve immediately. 

Best regards, XXXX XXXX Banking Information Headquarters Bank of America XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
Capit al One Auto Loan is a bad decision. I fell into hard times but still paid my car note. I had car insurance got into a auto accident, and the car was deemed totaled. Capital One still to this day h as this car showing as a repossession on my credit report when that is inaccurate. When a car is totaled the insurance company pays the car off, which in turn is why this car should not show as a repossession on my report it should show as paid in full.
The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.
I am writing presently in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Bank of America Agreed to a partial reinstatement of my loan ( DOC ENCLOSED ). I was then to make modified payments for XXXX, XXXX, XXXX. BOA requested certified funds for XXXX at which point upon receipt, BOA would disclose the amount to be paid monthly. Certified funds were sent as requested on XXXX/XXXX/2016 Funds arrived on Friday XXXX/XXXX/2016. Placed XXXX calls to XXXX XXXX with no response as I wanted to verify receipt of funds as well as to see 3 month payment schedule. Called total of 15 times with no response. Received letter of reinstatement ( different from agreed ) on Saturday XXXX XXXX stating XXXX due by XXXX/XXXX/2016. There has been no contact available to be at all!! No return calls or e mails. On XXXX/XXXX/2016, Receive certified funds back stating amount not correct. All timelines have been met regarding the reinstatement letter emailed to XXXX of Virginia as well as the CFPB. In addition all financial requirements have been met by submitting certified funds of XXXX. Called BOA on XXXX/XXXX/16 6 different times. got through to XXXX persons who stated that the figures were not available and they could n't provide information. By returning the funds sent BOA is in clear violation of RESPA 1026.40 ( c ) ( 1 ), 1026.40,1024.2 ( b ) CFR 1026.36 ( c ) ( 1 ). and now is in violation of the Consumer Fair Debt Collection Act. BOA is now making up their own rules with little or no oversight as I have complained about violations prior. In addition I have submitted information several times regarding fees and foreclosure expense to be waived and they refuse to acknowledge. The CFPB has refused to innate actions on such violations although these actions are clear.. I am asking for this situation to be rectified within72 hrs. by BOA. I am asking for regulatory intervention at this point as well. Bank Of America is obligated to accept the XXXX and allow me to make my payments ad agreed per resolution letter. Anything else is not acceptable. I assert that by BOA refusal to adhere to resolution, BOA voluntarily waives its right to any past debt therefore account should be deemed current. I also assert tht by BOA actions of refusal to adhere to resolution, it has committed fraud and deceptive activities. I also assert that BOA had not maintained clear lines of communication as outlined under RESPA. I am asking for payment to be accepted and that oversight be implemented.
I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX
The complaint is about an interest that TD Bank is charging. On XX/XX/2017, I made a transaction at XXXX store, the amount was {$310.00}. The day I made the transaction, I called the bank and I told them to not let XXXX take the money on my account because the phone I purchased I did not take. So, I called TD Bank many times, they told to wait until XXXX take the money and they are going to start the dispute. When XXXX took the money in my account, I called again to let them that XXXX already took it from my account. As a result, the bank provided me the case number. The bank asked me to send them the receipt of the transaction, I sent it by fax. A few week later, they told that they closed my case. So, I had to solve the issue with XXXX. Since that day, TD bank sent a bill of the interest that I have to pay them, if I do not pay, they are going to give my name and information to a creditor. TD bank did not solve my problem. Last month, I paid the {$310.00} to the bank. Now that XXXX refunded my money, the bank is still send the bill of the interest.
I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX
I sent a letter to Mr Cooper due to a dispute with my escrow account when they sold my loan to XXXX XXXX. Apparently Mr Cooper Mortgage changed my escrow collections " by accident '' in XX/XX/2017 which left me a shortage of {$1600.00} owed this year. Therefore XXXX XXXX raised my monthly payments by {$200.00} which was a shock for me!!! 
Please see my attached letters for full details. After Mr Cooper received my letter they sent a response basically saying " sorry we made a mistake but you still the owe the money and we will not be paying for our mistake. '' As a consumer the purpose of escrow is to put enough money away to pay out my taxes, insurance, and other such things. If you are not going to do it correctly what is the point of you doing my escrow?? I as a consumer that pays all of my bills on time can certainly pay my own taxes, insurance, etc without having to have someone do it for me if I'm going to get XXXX in the end!
On   XXXX   XXXX   XXXX  , I was noticed of the following from the  I.R.S.  : " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' and " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( "  SLS '' ).   My husband  XXXX   XXXX   XXXX  did not execute any debt instruments in favor of Specialized Loan Servicing,  LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S.      XXXX   XXXX   XXXX ,  XXXX  has no authority to report to the I.R.S. that it cancelled debt on   XXXX   XXXX   XXXX  , relating to my social security number, nor my husband 's social security number.     Apparently,  Specialized Loan Servicing, LLC used  my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.
On or about XX/XX/2017 compensation or interest due was never received or reported by trustee. Servicing company can not make presentment on the behalf of someone else without it being certified by an attorney. No file was found in investigative search.