WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, SSI # XXXX  My phone is XXXX Email XXXX Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my XXXX  credit report See Attached documents
In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.
Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX XXXX. closed account # XXXX. A request to deleted this account was submitted to the three major consumer reporting agencies during the next reporting. However, this account which was deemed as fraudulently open is still reporting on my credit file. In spite of that, you have also exceed the 30 day period mark for credit reporting agencies to investigate disputes additional time was given to resolve this matter. Your company as well as XXXX XXXX XXXX XXXX. both received notarized copies of an identity-theft report and identity affidavit via certified mail. As a result, further collection efforts were terminate then a request to deleted from all 3 credit reporting agencies without coincidence by XXXX XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages if this accountq is not deleted. Please be advise that this is also a serious offense of defamation of character whereas misrepresenting my name with creditors for debtors I am not associate with. You have 15 days to deleted this account otherwise there shall be legal action taken. 

Thank you..
Experian and XXXX are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at XXXX several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop
On XXXX XXXX, XXXX I opened an account with Coinbase ( Digital Currency Exchange ). I was appoved and was able to do online transactions with Coinbase website. I was able to buy 2 Bitcoins, 4 Etherium, and 1 Litecoin. 

On XXXX XXXX, XXXX, Coinbase website started asking for indentity verification when I tried to buy and sell my digital currency holdings. But everytime I verify my identity, the website gives me error. My identity is not verified according to the website. I have answered all the questions correctly and have inputted all the correct information but Coinbase keeps giving me error. Because the website could not verify my identity, I could not make any online transcation anymore. I could not buy or sell online. My account is basically frozen. 

I contacted their customer support several times through emails and followed them up by phonecalls. Coinbase customer support is not very consumer friendly. They would not not help me or get me to the right people. After talking to several customer support personnel, one Coinbase employee finally said that my case has been elevated to the higher up and that someone will contact me. This was in XXXX XXXX. No one contacted me eversince. 

It is now XXXX XXXX, XXXX and Coinbase still could not verify my identity. I have tried and tried and I have submitted all the required documents and information but still my online transaction capability is frozen. Since XXXX, the value of my investment has went up from {$9000.00} to {$42000.00}. But I could not liquidate my account because my online transaction capability is frozen. I have already missed so much opportunity and would have made over {$30000.00} already if my online transaction is not frozen. Please help me! 

Sincerely, XXXX XXXX
I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.
BBVA Compass keeps manipulating transactions and charging me overdraft fees The transaction they claim overdrafts my account never shows on the online banking And the fee is always when I have a positive account balance bigger than any transaction I have made. They refuse to refund these fees and tell me their system is different from what I can see. It appears to me they are stealing my hard earned money because you ca n't charge a customer a few and not show them on the system you give them to monitor their account where the fees originate from. They have now stolen over {$200.00} from me this month alone. I want my money back!
Short summary : Wells Fargo did not prepay my property tax for no reason when they willingly prepaid another customer 's property tax Details : My complaints are about Wells Fargo 's practice on customer 's mortgage escrow account. I sent an online message to Wells Fargo ( WF ) on XX/XX/XXXX to ask if they can prepay my property tax that is due in XX/XX/XXXX. This was after the tax reform bill was passed. The response I received said WF could n't honor my request because the escrow funds will be disbursed earlier than anticipated. Hence I prepaid the tax bill with my own funds. Later on XX/XX/XXXX when I was talking to a friend who also has a mortgage with WF, I found out that his property tax bill was prepaid by WF. He told me that WF was even willing to lend money to prepay the tax bill as there was not enough funds in the escrow account. I requested an explanation to WF but they have not provided me any so far. I have been nothing but a great customer. I have not had any complaint before, and my payments are always on time. Only reason I have had my mortgage with WF is because it was sold to them by the local lender that I originally obtained it from. WF should not be allowed to buy mortgage from other lenders without customers consent.
The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.
I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.
COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
I have been submitting disputes to XXXX  since XXXX for items not belonging to me. on XX/XX/XXXX i was able to remove a collection from PORTFOLIO RECOVERY ASSOCIATES with the original creditor XXXX   XXXX. On XX/XX/XXXX the same collection was placed on my credit report from them.
Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!
Frequent and harrasing calls throughout the day on a daily basis. I gave already informed the company to cease their harrasing tactics.
Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.
CITI card system failed to withdraw money from my payment account and resulted return check fee. The payment account info was correct and had enough money. CITI failed to explain what happened and refused to refund the fee that was incurred because of their system failure.
I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.
I added my sister as an authorized user to my Chase credit card back in XX/XX/XXXX and they are not reporting to her credit report.
There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.
Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX   out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.
from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.
Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form XXXX?
The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent. 
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure. 
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.