WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back
I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over XXXX.
US Bank decided to close my credit cards in retaliation for filing a complaint against them. 
They are now stealing money as they havent credited payments to my accounts. 
They assigned new account numbers and am trying to make payments. 
They have stolen over XXXX and it needs to be credited to my accounts. 
THIS IS THEFT.
In the latter part of XXXX 2017, I received a letter from PHH, the company that services my mortgage. The letter was an escrow analysis and indicated that my escrow account had a projected deficit of {$320.00}. The letter gave me the option of doing a onetime payment or spreading the shortage out over 12 months. When I sent my XXXX payment in, I added the {$320.00} escrow shortage in with my regular payment. I wrote on the payment coupon that I was enclosing {$320.00} for the escrow shortage. I also sent them a letter stating that the extra {$320.00} was for the escrow shortage only! I mailed the payment priority mail and confirmed the delivery. Today I received my XXXX mortgage statement. Despite my clear instructions, they did not apply the {$320.00} for the escrow shortage. Instead they applied it to my principal balance and are billing me for the {$320.00} escrow shortage. This should be illegal and fraudulent on their part.
" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Hello I am writing because I would like help in this situation. 

On XXXX XXXX, XXXX I took out an auto loan with XXXX XXXX Bank and the next thing I know I received a letter stating my loan was sold to Santander XXXX XXXX on XXXX XXXX, XXXX. 

I have been scammed by XXXX Dealership located XXXX XXXX XXXX XXXX XXXX, CT XXXX. First they sell me a XXXX XXXX XXXX rental car for {$37000.00} then they gave fraudulant income information to XXXX XXXX Bank. Then Santander buy the loan and charging me a cash selling price of {$22000.00} plus interest.every month at different rates. And I am confused as to how they can do this. 

When I signed the contract with XXXX XXXX Bank the total sale price is {$37000.00} which was all addition added to the sale of the car. Which is XXXX of the many reason I sued the dealership for their role in this unfair dealing with consumers. 

once my loan was sold and I became aware of the deceptive practices of the dealer i contacted Santander to make them aware of this scam we was in. I then requested all document containing to this loan transfer and asked What made them give me a loan. That is when I discovered XXXX gave them false information at that point I informed Santander of XXXX deception and demanded an investigation which never happen. But they did send me a retail contract and no other document showing my loan transfer information. 

At the time of my contact with Santander I was in the process of suing dealership so I was n't sure exactly how XXXX case was going to end. So once I won case against them I did not know at the time that finance loan companies are just as responsible for this happening to a XXXX mother of XXXX. 

Again, if XXXX XXXX Bank would have done the proper documentation they would have know that I am a mother of XXXX with no job collecting social security XXXX since XXXX. But they did n't which violate the True and Lending Act. If this company would have properly checked my credit they would not have offered me a loan for such a large amount. So I blame the auto loan company and dealership for this happening to me. I would have rather been denied a loan then to be in debt for over {$32000.00}. Due to these business violating there responsibility of the law. All I wanted and believed was they was being honest to me about the financing of the car. 

Then once santander took over loan a new set of problems came. meaning the high interest monthly. it did n't bring the total down i could n't get answers as to how they took over my loan. 

So at this point i feel like Santander, XXXX XXXX Bank and dealership are responsible for breaking laws against me. 

I think our contract was breach due to negligence on behalf of all companies named above. 
I just want to be put back in the same position before I met these companies. With no debt and little money.
REPORTING VIOLATION OF STATE AND FEDERAL LAW BY BANK OF AMERICA. Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that " the fraud investigation '' " had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims " Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory period.
ProCollect wa s enlisted to collect on a debt from  XXXX   XXXX   XXXX   XXXX  - the initial bill from the service provider was never received.  ProCollect  sent several requests for payment during our Ch.  XXXX  bankruptcy, which was successfully discharged in  XXXX   2014 . Since that time,  ProCollect has placed the invalid debt on my credit profile several times. I have requested ProCollect to provide the original invoice from the service provider. To date, they have not responded. Instead, they again added the debt to my credit profile, without providing the proof of validation. I received a phone call from someone in their office who was rude, argumentative, and ignorant. I do not appreciate harassing phone calls. Debt validation is standard practice for firms operating with integrity. ProCollect is not one of those firms.
XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
On XX/XX//17, I applied online and was approved for a XXXX XXXX XXXX XXXX XXXX. This card comes with a 20,000 point promotional offer after spending {$1000.00} in 3 months. 

The card received was a Wells Fargo Platinum Rewards which is a different card that I applied for,
On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, Equifax, XXXX, which were received on XX/XX/2018through certified mail.

I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors.

I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home.

I received letters on XX/XX/2018 from Equifax, and XXXX.

I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word.

In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED.

All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports.

These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.
My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.
This morning on   XXXX   XXXX   XXXX    , at   XXXX   XXXX   i withdrew cash from TD bank on  XXXX  and  XXXX   XXXX   XXXX  in  XXXX , Ny. I gave the money directly to another individual ( for payment pf a sale ) and accompanied him to the  XXXX  bank on  XXXX  and   XXXX   XXXX   XXXX   around  XXXX .   When he deposited the cash into his account at   XXXX   XXXX  , the teller held onto a single  hundred dollar bill  and deemed it " counterfeit ''. They confiscated the {$100.00} bill and gave him a receipt from the  Secret Service  explaining the congiscation. The reason for this complaint is i recieved a counter feit hundred doll ar bill from the teller at TD bank on  XXXX  and  XXXX . When i spoke with the  manager and  explained tge dilemma, he simply stated " this happens sometimes, and there is nothing we can do about it ''.
I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX  XXXX 3-XXXX 4-XXXX  5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX  XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX  and full in deep XXXX since I sow her going Down to death. 
But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX  ( XXXX ) exam and I hope I can fix this situation.
Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.
I have filed a requested debt validation letter to a company called Diversified consultants. I received a letter back showing a statement only, from the original creditor with no signatures or copies of information I requested on XX/XX/2018. I resent another debt validation letter with a ( POA ) on XX/XX/2018 email. A certified letter was also sent and received by their office on XX/XX/2018. Diversified Consultants have failed to validate the debt as requested with the information we originally requested from the first letter on through the third letter. I have tracking number and emails to prove my complaint. In Texas you can request a validation of debt within 5 days if finding a mistake from our original validation request. Diversified Consultant has failed to re-send our requested validation of debt in a timely manner.
m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some
Account # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX MD XXXX This new Complaint is a rebuttal to CFPB Complaint # XXXX. The lies Wells Fargo told, consistent with its corporate culture of fraud, lies and deception. 
With respect to Complaint # XXXX, I stated that Wells Fargo wrote and called me after it acquired this account from Wachovia. WF claimed that I owed them. i disputed it. During our discussion, I agreed to be making provisional payments while they researched my claim. I agreed to be paying to avoid them injuring my credit. They stopped collecting, hired a lawyer and threatened foreclosure. Did CFPB ask Wells Fargo why it stopped collecting payments and hired a lawyer? This is WF 's modus operandi in forcefully taking people 's property. They do n't mind paying lawyers and adding it to the loan balance to make it impossible for borrowers to pay the loan. Second, WF wrote me a Default Letter on XX/XX/XXXXthat I was owing {$8800.00} on the loan. On XX/XX/XXXX, WF wrote me a Default Letter that I was owing {$59000.00}, which their lawyers said the new balance is {$62000.00}, as of XX/XX/XXXX. You see how the loan went from {$8800.00}. A week before WF sent this response, their lawyers wrote me that they were proceeding with foreclosure without waiting for WF to resolve the Complaint or file its response with you. Now what did CFPB accomplish other than sending a ton of documents to make you think they are cooperating? I expected, and I 'm still expecting, CFPB to instruct WF to explain how the balance went from {$8800.00} to {$62000.00} and why it Wells Fargo stopped collecting payments, as agreed, and hired lawyers to begin foreclosure.
A gentleman called me at my place of employment and stated he is with US Fast Cash. He told me i owe {$790.00} for a payday loan. I asked for documentation for this debit. He told me he ca n't provide it. He has been asked to stop calling my job and he continues to call and ties up phone lines. I have been scammed too many times in the past.
Harrassing calls ask for copies to be sent to me to no avail threathing take me court calling my job. Address they provided did n't live there. Keep asking me for my bank information
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/XX/XXXX.
I went on vacation to XXXX from XX/XX/XXXX to XX/XX/XXXX and when I got back CoinBase froze my account that had XXXX Ethereum coins worth roughly $ 55k at the time. When I found out they froze my account, because of my vacation I received a notice to submit my proof of residency and proof of citizenship. I tired emailing on XX/XX/XXXX with no response. There is no phone number to call. I tired submitting a ticket and provided all of the  required information. It has been over three weeks now and I have not received a response from the company. Over the last three weeks my account value has dropped significantly from $ XXXX. CoinBase has already cost me many thousands of dollars, please help me regain access to my account. I was planning on using the funds to replace the roof on my house.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , and XXXX XXXX  XXXX
My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.
On XX/XX/2017 I was one of the potentially affected accounts by the Equifax security breach. According to equifax its possible that names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers have all been comprimised and I 'm now vulnerable to Identity theft.