WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America and XXXX XXXX should not be allowed to use the might of their " to big to fail '' status to deny accounts to gun manufactures, gun store or others based on the banks political view of gun ownership. 

While I support the right of smaller business to do these things, the very existence of the CFPB is do to the fact that these large financial institutions have a high impact on our country 's banking ability. 

They took billions of bail our money, as a taxpayer, that included from me. They are now heavily regulated because they were not good citizens. They should not be allowed to discriminate based on political values.
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6300.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
I made a payment on XX/XX/XXXX on western union speedpay for XXXX   specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX  on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business
Nationstar mortgage incessantly calls me, before I 'm late on a payment. I have a grace period of 17 days, but they start calling and emailing on XX/XX/XXXX. I sometimes get calls 10-12 times a day. I always pay my mortgage and am not behind. This has to stop. It 's affecting my job.
X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE ALL!
There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
My mortgage lender is trying to pull my credit for a loan and Equifax is unable to get pulled its giving them a error saying its blocked. Equifax denied the report being blocked. The lender is only able to pull using my maiden name ( XXXX ) not my married name ( XXXX ) which is causing my Loan to not go through. The name should read XXXX XXXX XXXX for my credit report. Equifax is saying its not them its the lender.
Re : XXXX I sent a validation letter to Northland Group XX/XX/XXXX. I mailed two one to the P.O. box and one to the physical address. Both were mailed certified and were accepted XX/XX/XXXX. I have not received a response with a contract or validating not verifying docs to support this debt being valid. I also do not show Northland group as a licensed and bonded collection agency in Michigan. 

This account should not be reported as theres no contract and the company is not properly licensed.
I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account.
HELLO MY NAME IS XXXX TWO YEARS AGO I HAD AN ACCOUNT WITH WELLS FARGO. HOWEVER MY CARD WAS STOLEN AND CHECKS WEREM WRITTEN AND I FILED A REPORT WITH THE BANK REGARDING THIS. SOMEONE STOLE OVER XXXX FROM ME. I WAS IN A TERRIBLE XXXX WHICH LEFT ME XXXX AND UNABLE TO PAY BILLS TO LEAVE ME HOMELESS. THEN SOMEONE STOLE MY MONEYN AND COMMIT FRAUD. I HAVE TRIED SEVERAL TIMES CONTACTING WELLS FARGO THEY HAVER FAILED TO RESOLVE THIS ISSUE WHICH HAS LEFT ME NEG. AND REPORTED TO XXXX SYSTEMS. THIS WAS MY FIRST CKING ACCOUNT. PLEASE HELP
My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.
I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home.
I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months.
Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them.
I spoke with a representative with NELNET in regards to eleven " Late 120 days '' accounts currently being reported to credit bureaus in the amount of {$0.00} past due. She stated that my account has not been with NELNET since XX/XX/XXXX, however they are still going to report late payments for the next 7 years. It is XX/XX/XXXX and I am being penalized for consolidating my loans with a different servicing company. This is extremely unethical and unfair for someone who is paying their student loans on time monthly but is still being reported for a XXXX balance, for XXXX separate accounts, by a company who no longer has access to your account.
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, To expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
I sent a formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.
In XX/XX/XXXX-XX/XX/XXXX I accepted 3 student loans from XXXX XXXX in order for me to attend XXXX XXXX school in XXXX, Tx in which has closed. 

During the lifetime of these loans they have been deferred due to in school deferment and/or forbearance due to being unemployed and unable to pay money towards the loans. 

In XX/XX/XXXX I was XXXX XXXX XXXX and XXXX XXXX XXXX due to this devastating time I was unable to attend school and work. Therfore, I called XXXX XXXX ( now Navient ) to get my 3 student loans accounts in forbearance. The representative advised me that she placed a  forbearance on my account and it would cover up to 90 days of past due payments if any were reported as past due. However, once the accounts were transferred to Navient they claimed the account was not notated with this information so they began to report all 3 of my student loan accounts as past due. I have requested several times for the call to be pulled and reviewed, but Navient refused to listen to the call and investigate this concern further.
On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports
I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
My loan service provider is Navient. I am enrolled in XXXX and received payment stubs listing the payment amount of {$360.00}. Instead of paying the amount on my statement I pay {$400.00}, and after doing that my payment amount has changed. The balance on largest loan has decreased very little, but the balance on my small loan has increased. My XXXX tax statement says that I paid {$3900.00} in interest.
CPS consumer portfolio services & XXXX has and continues to contact me in regards to a time-Barred Debt, and now plans to suit to collect the balance on this time -barred debt. 
This company CPS false statements indicating that I have contacted them and that I have agreed to make payments is not true. This is false and is the wrong practice all with the purpose of re-start the clock and or re-open the time barred debt from XX/XX/XXXX on XX/XX/XXXX. 
I 'm was not able and I 'm not able to pay this debt due to financial hardship, and health issues with immediate family members. I did file for bankruptcy on XX/XX/XXXX due to loss of income.
On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.
I disputed incorrect information reported on my credit report and asked for verification and validation of debt. I did not receive validation and verification of debt. The request has been over 60 days. The debt is with XXXX and US Dept of Education.
I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.
I talked to a loan officer in Florida where I am trying to relocate to. He advised me that the only way to buy a house there before moving was to buy it as a second home. He knew from the beginning that the intent was for it to be a primary home. He advised us to give all the money we had saved to a XXXX party to " gift '' to us, as no funds would have to come from our account. Every thing was going as he said it should until 2 weeks before closing. Underwriting told him that 5 % of the funds had to come from our account, But we had already gave all the money to the XXXX party as he told us to. We told him we could put the money in there but it would be cash, Then he advised that I sell a vehicle or other valuable item so the money we need could be sourced. He admitted that it was his mistake and when it seemed he could not fix the problem he found another item underwriting had an issue with to try and blame his mistake on. Lost all the money we had invested for appraisal, inspectors ect. We even had yard sale and sold half our belongings on the assumption we could close on the house and move in a few months. My wife who is pregnant is seeing a doctor for all the stress that was created from the situation of losing the home and loan. As I was filling out this form tried to get copies of good faith estimate and other documents the website wont allow me to veiw them.
I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.
XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX toXX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXXthru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.