WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America Home Loans XXXX To whom it may concerned ; I am requesting a postponement of the sale date of my home for XX/XX/2018. 
I have applied for a modification, and other types of assistance like cash for keys and relocation assistance. Bank of America still has a sale date on my home. I will be out on the streets with no place to go if this occurs. I need a postponement date on my home so I can get everything possible to the Bank to keep it I need to keep my home, and not be out on the streets.. I am also working with XXXX also. 

Thank you so much, XXXX XXXX
I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.
XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my transition. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.
I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.
PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. 
On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. 
Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. 
After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. 
PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX.
I have an account with XXXX XXXX XXXX for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Navient continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.
I am writing in regards to my credit report Inquires. My computer was stolen early last year in XXXX. Ihave been turned down for credit because of the quanity of inquires that are on my credit report, these are inquires that I have no credit with these companys, and never made the inquires. My computer that was stolen had all my information on it and all the passwords.Here is a list creditor first then the date the inquirey was made. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ... .All of these I do not recognize and did not make make them there are duplicates and triple times put in for XXXX creditor Please delete from my report.
Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.
On XX/XX/XXXX I was notified by a collection agency, XXXX XXXX, XXXX, in writing, that I owe XXXX to XXXX XXXX XXXX due to them closing my account. Once I received the notification in the mail on XX/XX/XXXX, I called to make arrangements to pay the debt. I spoke with XXXX XXXX and there was an agreement regarding a settlement amount of {$580.00}. There were 3 payments made and posted to my account in the amount of {$190.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX advising the debt had been resolved for less than the full balance. On XX/XX/XXXX I received an email advising I stilled owed XXXX XXXX XXXX another {$240.00} from another collection agency, The CBE Group. The next day, I wrote to The CBE Group and disputed the validity of the debt. I also called The CBE Group on XX/XX/XXXX and spoke to XXXX and informed him I did not owe the debt any longer because it was settled with XXXX XXXX on XX/XX/XXXX. XXXX began to read the mini - miranda to me on a settled account which violated debt collection practices. After he read the mini - miranda, I requested to speak to a supervisor. I then spoke to XXXX and explained the debt was settled. She again read the mini - miranda and stated XXXX XXXX XXXX still shows the debt is still owed and I will need to contact XXXX XXXX because it was there responsibility to inform XXXX XXXX XXXX of the settlement. I then called XXXX XXXX on the same day and spoke to XXXX who stated the account was reported to XXXX XXXX XXXX as settled and she will be sending the report to XXXX XXXX XXXX again about the status of the account. On XX/XX/XXXX and XX/XX/XXXX I received letters in the mail from The CBE Group again stating I still owe! I am so frustrated with this process. I did my part by making my payments on time to settle the debt and I am still being harassed by XXXX XXXX XXXX and The CBE Group to pay the remaining balance in full.
I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX
XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX
XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Please help meXXXX XXXX
Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.
Information is wrong. Asked company to validate and they were unable to. They sent the attached letter for their validation.
My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on Equifax report and XXXX report. 
XXXX has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now XXXX send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.
Navient 's Office of the Customer Advocate promised to lower my private loan payments to approximately $ XXXX in XXXX 2015 by extending the terms of my student loans to XXXX years ( up from XXXX ). Last month, my payments were raised to $ XXXX with no warning or notice from my servicer. The interest rates have remained the same, but the agreed amount has been changed without my consent. This is the XXXX complaint I 've filed against Navient, the first was through the CFPB, then with the XXXX. Loan payment history in the online portal for Navient does not show sufficient information about the previous loan payments. The documentation attached to this complaint are screenshots taken of the ACH withdrawals made by Navient as well as a view of the Navient account history and how the payments were accepted without exception. MICR numbers can be provided at the investigator 's request to better correlate events as well as ensure that no screenshots are doctored or tampered with in any way.
In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. 
Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. 
Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE VISA ACCOUNT THAT I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES.. I CONTACTED CHASE VISA AND REPORTED THESE CHARGES AS FRAUD WHEN I RECIEVED MY STATEMENTS AND REVIEWED THEM AND THEY NEVER DID ANYTHING FOR ME. IT IS NOW XX/XX/XXXX AND STILL NOTHING. I WILL LIST THE CHARGES THAT WERE ON MY ACCOUNT ; XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX  ALL THESE CHARGES ARE FRAUD AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES, I HAVE NO IDEA WHO THEY ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. THIS IS SENIOR ABUSE AND THEY STOLE FROM ME. THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY CONSENT, AND WITHOUT ME GIVING THEM MY CREDIT CARD INFORMATION, SO HOW THEY GOT THAT INFORMATION I HAVE NO IDEA. I LIVE ON A FIXED INCOME AND CANT AFFORD TO HAVE MONEY TAKEN FROM ME. PLEASE HELP ME GET MY MONEY BACK. THANK YOU
I sent a transfer of {$200.00} on XXXX XXXX. I only found out the money was not claimed in the month of XXXX of XXXX, 7 years later. I am attaching the receipt of my original transfer. Now when i find out that the money was not claimed the company states they have tried contacting me all this time. I have always had the same address and I haven't received anything from them until now. they want to only return an amount of {$57.00}. I am requesting the original amount be returned to me of {$200.00}. i not more for interests for holding onto the whole amount all this time. I would love for this issue to be solved as soon as possible and not let any more time drag on.
My mother is XXXX years old, has XXXX and lives in an assisted living apartment. I have power of attorney for her, handle all financial transactions, and pay all of her bills. My mother 's Chase bank checking account had five ( 5 ) fraudulent withdrawals using QuickPay with XXXX starting on XX/XX/XXXX to XX/XX/XXXX,  totaling {$8500.00}. On XX/XX/XXXX, I notified Chase bank of the charges and that they were unauthorized and fraudulent. Chase froze the account and reversed the charges. On XX/XX/XXXX, I received a letter from Chase notifying us that after their research they were removing the " temporary credit on your account '' and removing the {$8500.00}. from her account once again. 

When I called Chase in inquire about the removal of the fraudulent charges, they advised that they did not appear to be fraudulent because of the IP address. We have NEVER used XXXX and have NEVER made any payments to these individuals before and don't know who they are. 

Chase refused to give us the IP address saying that we would need a police report to get that information. I contacted XXXX County, Texas Precinct XXXX   Constable 's Office to make a report but was told this is a civil matter and they would not open a case. This is not just a civil matter - this is a criminal felony fraud matter on an elderly woman 's account.
On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!
I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.