WillisBack/dataset-financial-user-claim huggingface dataset:
I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!
The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX
I received notice of a lawsuit from   XXXX   XXXX   XXXX   on    XXXX   XXXX  , 2017  for an  XXXX  card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with  XXXX   XXXX   XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted  Portfolio Recovery  and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.
RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report.
I have been using Navient for my biggest student loan payment some they bought mine from XXXX, over the course of 2 and have years as, I have pleaded for a reduced payment to lighten the burden of my payments Navient on several occasions declined lowering my payments. And did. It offer income driven, and they encouraged a military forbearance due to my XXXX status. And due to financial strain with no other offers I was encouraged to use this option becaus. I thing else was offered and it was pay or forebareance.
This involves the massive Equifax Security breach. I froze my Equifax report and had no charge for doing so. However, XXXX and XXXX demand fees before freezing my credit report. 
Since this breach was caused by Equifax, I do n't believe that I should have to pay for the XXXX and XXXX freezes.
I have received frequent calls-multiple times a day from the company. I have not contacted as I have a third party contacting them and they refuse to stop. Today XX/XX/18 I spoke with a representative and they stated they would not stop contacting me until I set up a payment plan. I informed them I would not be doing that as I had a third party company and they stated, they do not work with them and I would be wasting my time. They continued to stated they were not harassing me with all these phone calls. They also reached out to family and friends ( some I had not spoken to in years ) to get a hold of me. They told them they are trying to get a hold of me as I have connections through those people..
Wells Fargo Home Loans recently reviewed my mortgage loan for a possible loan modification. I got the results back a few days later on XXXX/XXXX/16. I realized that not all the household income, was included in their review. My authorized third party XXXX XXXX XXXX called my CRM XXXX XXXX XXXX at Wellsfargo, who gave some information in reference to situation. Upon listening to the explanation given, the CRM suggested that, '' I should immediately appeal. '' As of today, XXXX/XXXX/16 my XXXX XXXX is still in an active Appeal Review process, however my CRM never followed up with me, ever since the process started. We called in frequently as there were concerns of a scheduled foreclosure Sale date of XXXX/XXXX/16. Wellsfargo reps often informed me that a request for postponement was filed in Court on XXXX/XXXX/16, which turned to be true. However, Wellsfargo failed to supervise the work of the Attorneys that they contracted. On XXXX/XXXX/16 ( auction day ) the court clerk notified me that the Judge did not even see the motion to cancel sale/postpone sale. He added that, " no one seemed to follow thru this. I called Wellsfargo home retention dept, who gave me a phone number to contact their attorney. By XXXX the property was foreclosed on, and reverted to Wellsfargo home loans. Wellsfago third party attorneys then followed thru after the fact, and on XXXX/XXXX/16 filed another motion to cancel/postpone sale after the fact. My primary residence is in the hands of wellsfargo illegally. On XXXX/XXXX/16 wellsfargo appointed a new CRM XXXX XXXX XXXX XXXX to my loan file. I still do n't know what they are doing about my situation. In the past, I had notified Wellsfargo that My home is not worth $ XXXX as the market for older homes in my area is a lot less. I received several property valuations from Wellsfargo in that price range, yet in reality my home is a little underwater. I have been declined for a loan modification in the past for having too much equity, which is not true at all. What a shame!!! I tried selling my home for many months, did not even get an offer. I was informed of the starting auction bid of $ XXXX, yet no one still bought my property at the auction. I realized that it is more cost effective for me to keep my residence of many years even though I defaulted due to unforeseen circumstance. Today, I can afford to pay back towards what I owe.
Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.
on XXXX XXXX, 2015 my husband and me made a offer to buy a house with Wells Fargo, the bank pre-aprove the purchase and my real state agent and the sell agent started puting all together. the purchase should be done by XXXX/XXXX/15. everythis was ok. I always need to called the wells fargo agent to make sure he has all the documentes from me. XXXX XXXX XXXX ( wells Fargo agent called me in to the bank XXXX to sig some paper that he needed, on the day He said that he needed to make a appraisal to the property but I need to pay {$500.00} for this matter. I give him a check the day. on XXXX/XXXX/2015 the appraisal was done I got my copy on the mail and one more XXXX XXXX received. the appraisal has all the information of the property including that it has XXXX units. 
on XXXX/XXXX/2015 XXXX XXXX asked to my purchase agent ( XXXX XXXX ) to request for XXXX extension because the underwriting need more time, the pettion was sended and aproved by the sale agent the same day XXXX/XXXX/2015 ; on XXXX/XXXX/2015 XXXX XXXX ( wells Fargo agent ) called me to let me know that the underwrither did n't aprove the loan because the propery has XXXX units and that the bank would aprove just XXXX house. 
I know XXXX XXXX is laying because when I was looking for my house I asked him if the bank would aprove more that XXXX unit, he responded that I could buy up to XXXX unit no more ; I always told him and also my purchase agent always told him that the house has to unit, this information is on the appraisal papers. 
I told him that but this was his excuse. I asked XXXX XXXX for the refund of my {$500.00} that I payed for the Appraisal, he said that he needs to send some documents before so the bank can refund the money to me but is been more that one month and he does n't resond my e-mail or call, he also request a second inspection for the roof with a 2 years waranty certificate, I had to pay {$250.00} for this inspection because the underwrither needed it to aprove the loan
I closed my savings account at Fulton Bank of New Jersey XXXX branch on or around XX/XX/18 or XX/XX/18 and the complete balance of {$48000.00} was given to me in a check which I deposited at another local bank. Since then I have been getting collection letter notices saying that my account has been overdrawn since XX/XX/2018 and they are trying to assess me overdraft fees when I don't have an account there since I closed it. Now they are threatending to send my name to a consumer reporting agency ( letter from XX/XX/2018 ) attached. I am XXXX years old and elderly, please contact my son who is helping me file this electronically ( I have included his phone number ) - can you please help me and work with my son in getting them to leave me alone, and stop trying to assess overdraft fees on an account that I don't have any longer and which has never been overdrawn, and keep my good credit record intact.
The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.
I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.
I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX   notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX  was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.
I have requested all legal/loan documents, since loan inception - XX/XX/XXXX to present - from Navient validating the amounts they are collecting on and reporting on and to date have not received anything. I received one letter from Navient stating they could not provide me anything do to my case being part of a current lawsuit they are facing and it is not a lawsuit I have filed or have been granted participation in from any party.If there is activity involving my records, I expect to be informed and allowed to participate.

Navient provided me reporting that shows activity dated XX/XX/XXXX and XX/XX/XXXX. I want all legal documents supporting that transaction along with all legal documents, from loan inception to present XX/XX/XXXX toXX/XX/XXXX 

I also expect this documentation and request to be given to XXXX XXXX directly and not the canned/call center of the Office of the Advocate that blocks resolve and simply sends out canned responses.
I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.
Letter to Lender : Re : - Pay Pal Smart Connect AccountLender : As confirmed today, in my conversation with XXXX, the Smart Connect Manager on duty, on XXXX XXXX, XX/XX/2010 at XXXX XXXX my account has no late payments and payments are paid {$10.00} above the minimum due balance, but because Lender has randomly checked my credit and is n't comfortable with my performance in other matters has decided to lower my limit from {$300.00} to {$160.00} and has informed the credit bureau of such action. 

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.
A year ago I filed a complaint on OCWEN Mortgage company because they were denying my HAMP modification from IndyMac Mortgage. This was resolved I just finished a chapter XXXX on XXXX XXXX, 2015. I was setting up my mortgage payment to come directly out of my account for XXXX XXXX, 2015. My XXXX pension payment was not cleared from the retirement payroll so I went on OCWEN website to change my payment options at that time I saw they had changed my payment from XXXX to XXXX. My payments was approved in the Home Affordable Modification Agreement. The change of my mortgage took place within XXXX days of me setting up my account. I never received anything in writing about them changing my payments. When I called OCWEN I was told it for my escrow the reason why my payments went up XXXX dollars. If I had never went back on the website this amount would have been taking out of my account and my account would have been overdrawn.
This debt is a work comp issue to be paid by employment with XXXX. I had gotten hurt at work
Bank of America chose to arbitrarily close all of my credit card accounts and is keeping the cash rewards that I rightfully earned. I received a letter at the end of XXXX advising me that all of my credit cards were closed due to high balances on other cards. I have never missed any payments on any of my cards ( whether with Bank of America or any other banks ... all of my credit card accounts are current and all payments have been made on time ). In fact typically pay the balances on my Bank of America cards in full with no missed payments so they have no reason to have closed my accounts. While I disagree with their decision to close my accounts, if they choose to do so, they need to pay out the cash rewards I have earned on these accounts. 

Further, they did not allow me a chance to redeem the rewards I have earned. I have called multiple times to try to get them to pay out, most recently on XX/XX/18, but they have refused. 

My rewards according to their website should be as follows : Card ending in XXXX = {$550.00} Card ending in XXXX = {$620.00} Card ending in XXXX = {$92.00} Total owed = {$1200.00} I will attach screenshots of my rewards balances on my 3 accounts taken from Bank of America 's own website on XX/XX/18.
Chase bank breached my account, and gave my information to someone else and me access to someones account. The resolution is for me to change my account info and update my automatic payment and direct deposits, for my safety? Though the bank had an obligation to keep your information safe? If they do n't what happens? Where can we get help fighting the banks?
After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.