WillisBack/dataset-financial-user-claim huggingface dataset:
I called Bank of America 's assistance line ( XXXX XXXX ) on XX/XX/XXXX after Hurricane Irma pass by Florida to get the disaster assistant help for my credit card payment. On that day one of the representative named XXXX told me that Bank of America was waiving the credit card payments until XX/XX/XXXX as a consideration for the people that were in the FEMA list of areas affected ( the zip code where I live is in the list ). I replayed to him that it was a very good help and that I just needed help for XXXX payment since I was not able to work for 2 weeks, and that from XXXX on I would be able to continue making payments like always. However, as per XXXX if I could make the payment or not, I should no worry until XX/XX/XXXX. On XX/XX/XXXX I saw on my online account that my minimum payment ( {$95.00} ) was passed due and that I had to make a next payment of {$210.00} since I missed my payment. I called again the assistance line to ask about this situation and the lady that helped me told me that what they were waiving was the late fees ( which was not what XXXX told me on XX/XX/XXXX ) ; she told me that there was nothing she could do to help and that I needed to make the minimum payment. She then transferred me to collections department because I told her that I did not have the money to make that payment. XXXX in the collection department told me that what happed was that the information about the help that BOA was providing to their customers changed a couple of days ago, and that they were not waiving the payments anymore but the late fees. I told him that I was not informed about it and that this change should not apply to me since my due date was on the XXXX which is more than a couple of days ago. He stated that he did not know what to tell me and that I was right that he could not do anything to help me but to find a way to make it easy for me to pay ; he offered me different options and at the end I decided that I would pay the XXXX payment in the next 2 months. My payments were set up as 2 payments of {$160.00} ; since I was stressed up and upset I agree to that, but now that I do the sum, making 2 payments of {$160.00} taking away the {$95.00} for the actual moth I would be paying {$74.00} x 2 making it {$140.00} for a payment that was supposed to be {$95.00}, meaning that I am paying {$53.00} additionally for I do n't know what because no late fees should be charged ( according to the new rules for the disaster assistance of BOA ). This formal complaint I make it against Bank of America for providing information and promising a type of help that was not fulfilled but instead it was changed without notifying their customers, and now I am in a unpleasant situation.
This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.
I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/XXXX. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
XX/XX/2016 I CALLED MY FINANCIAL INSTITUTION, US BANK, AND COULD NOT USE MY PIN NUMBER ON THEIR SYSTEM. I WAS CONNECTED WITH A BANK OPERATOR AND WAS INFORMED THAT MY ACCOUNT WAS BEING CLOSED. I THEN REALIZED MY CARD AND ID WERE NOT IN MY WALLET OR PURSE OR ANY POSSESSION OF MINE ( CAR, HOUSE, ETC. ). WHILE ON THE PHONE WITH THE BANK OPERATOR I INFORMED HER THAT MY CARD IS MISSING AND MY ID. SHE THEN TOLD ME I NEED TO FILE A FRAUD REPORT FOR TRANSACTIONS MADE ON XX/XX/2016. I ASKED HER WHY WAS NOT I NOTIFIED OF THESE TRANSACTIONS. I ALSO INQUIRED ABOUT MY PAYROLL DEPOSIT THAT I WAS EXPECTING THE NEXT DAY- XX/XX/2016. THE BANK OPERATOR TOLD ME THAT MY SAVINGS ACCOUNT WILL ALSO BE CLOSED BECAUSE OF THE TWO TRANSACTIONS MENTIONED. I INFORMED THE OPERATOR AND ALL OTHER US BANK PERSONNEL OF THE DAMAGES THIS WILL CAUSE TO ME BY NOT HAVING MY PAYCHECK AVAILABLE. I WAS TOLD TO MAKE A FRAUD CLAIM AND SO I DID THE SAME DAY. WHEN I SPOKE WITH THE OPERATOR IN THE FRAUD LIAISON DEPARTMENT I WAS TOLD I WOULD BE SENT PAPERS TO COMPLETE AND RETURN WITHIN 10 BUSINESS DAYS TO SALVAGE MY ACCOUNTS AND HAVE ACCESS TO MY MONEY. I WAS NEVER SENT ANY PAPERS OR FORMS FOR ME TO COMPLETE NOR SIGN NOR SEND BACK. I CALLED THE FRAUDE LIAISON CENTER AGAIN AND WAS FORWARDED TO THE FRAUD PREVENTION CENTER TO INQUIRE ABOUT MY PAYROLL DEPOSIT. I SPOKE WITH A VERY RUDE AND UNPLEASANT OPERATOR NAMED XXXX WHO ONLY ESCALATED MY SITUATION AND ENDED UP DISCONNECTING OUR CONNECTION!! I AM SHOCKED AND OUTRAGED AT THE SERVICE I AM GETTING FROM THIS BANK AND AM BEING TREATED UNFAIRLY AND BEING WITHHELD FROM MY MONEY THAT I WORKED FOR. I NEED MY MONEY AND I WANT MY MONEY REMOVED FROM THEIR INSTITUTION.
I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
ON or about XX/XX/XXXX CountryWide Home loans INC allegedly sold my note for my house to XXXX AS TRUSTEE FOR HOLDERS OF XXXX XXXX ARM TRUST, MORTAGE PASS- THROUGH CERTIFICATES, SERIES XXXX, but prior to that transaction I have evidence that has come forth by way of collateral file. A Deed of trust from CountryWide Home Loans INC transferring all beneficial interests to XXXX XXXX as trustee for the note the date this occured was XX/XX/XXXX. along with this DOT was a allonge endosed to XXXX XXXX. 
Somtime in the year of XX/XX/XXXX CHL decided to void out the allonge and stamp on the original note a blank endorsement so that they could allegedly sell it to the trust. CHL has commited mortgage fraud, spoilation of evidence, S.E.C. fraud that violates trust laws, these violations need to be investigated thourghly.
I have already explained that the manager at the time had a record and was fired for illegal account activity and falsely making records. I explained this in my disput to the credit bureau but this company continues to update and hit my credit that I owe money even after my proof and her being fired for illegal account abuse. I have proof of last months payment, payment of remaining utilities and the sign off of the apt by manger ( XXXX ) after  doing a walk thru of the apt and signing off on saying I didnt owe anything. This company is calling and pretending to be other companies and spoofing my phone number. I will also be making a small claims report if this situation is not handled through this avenue. Please see company and credit report info below : Updated PROCOLLECT , INC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
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Received a notice from a company by the name of Credit Protection Association LP attempting to collect a XXXX XXXX bill. First, name of company is misleading under Sections 807 and 808 of the FDCPA. I sent a letter X/XX/17 disputing the balance because I had never received a bill for this amount from XXXX. After sending the dispute letter, I went to the local XXXX XXXX office. I had moved and started service with them at the new house and discontinued service at the old house. XXXX had failed to put the new address on the old account so I never received a final bill. The old on-line account had also been disabled when service was moved so I could not go and see what I owed. I paid XXXX on XX/XX/XXXX the full amount owed of {$190.00}. XXXX manager admitted that not entering the forwarding address was a big problem and that their staff would be counseled on the proper procedure. Also notice the letter from Credit Protection had my old address ( see attached ) further showing the XXXX made an error by not putting a forwarding address on the account. We did have a USPS forwarding order on at the old house but we did not receive any forwarded bill from XXXX. I assumed that Credit Protection Association LP would contact XXXX due to my dispute letter to confirm the amount owed. But apparently they do n't have enough time to do that, so they just continue to send out letters demanding payment on an account that has already been paid. On XX/XX/XXXX received another letter from Credit Protection Association LP. I called them and asked why they were sending me another collection letter when I had disputed the account. The first person I talked to said that my letter did not qualify as a dispute. Even though my letter said : " I am hereby challenging your notice that I owe {$190.00}. '' ( See attached ) This is clearly a dispute of the balance owed. I then talked with a supervisor named XXXX and asked why they were still trying to contact me. She said their system indicated that they received a letter, but that it was not a dispute letter. After arguing with XXXX for several minutes and realizing she was n't going to do anything, I asked her to transfer me to the FDCPA compliance department. XXXX refused. She did give me a number XXXX XXXX. I called the number and the company name was completely different than Credit Protection Association LP. Something like XXXX XXXX. The extension she gave me was false because when I entered it, it disconnected me. I called back and opted out to the operator and asked to be transferred to the Legal Department. I left a VM for " XXXX ''. So my complaint is : 1. that the name Credit Protection Association LP is misleading. It makes them sound like a credit counseling company. I am sure others have been mislead. 2. they contacted me after receiving a dispute letter. 3. when I got on the phone with XXXX , she failed to repeat the mini-Miranda warning. 4. she did not transfer me to an FDCPA compliance person when requested. 5. they continued to try an collect a debt after it had already been paid.
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
On XXXX XXXX, 2015, I received my free updated " XXXX '' credit report. 
After reviewing it for accuracy, I noticed a " negative credit entry '' remark that I owe " XXXX '' approximately $ XXXX since " XXXX 2015. " I 've had " XXXX XXXX XXXX '' for the last 18 years. I 've never had " XXXX. " So I called up this " debt collector '' named " Diversified Consultants '' at XXXX as listed on my " XXXX '' credit report. 
All they said was " Pay if off, and then we 'll take it off your credit report. " I told them it was n't my debt, that I 'm a victim of " Identity Theft. " They just then " hung up '' on me!
CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR
On XX/XX/2018, I sent in my most recent PSLF Employment Certification form. With this form, XXXX XXXX should have calculated that I have made 68 qualifying payments toward the 120 payments needed for public service loan forgiveness. Unfortunately, XXXX XXXX is so bad at their job that they calculated that I had made 61 qualifying payments - despite the fact that my job has not changed, my loan has not changed, and my repayment plan has not changed. On multiple occasions, I have reached out to XXXX XXXX to inform them of their error and asked them to correct it. To date, they have done nothing. Moreover, they have failed to respond to my multiple emails. When I get them on the phone, they say they will look into it. XXXX XXXX is the most incompetent student loan servicer on the market. Congress should investigate. Student loan holders should avoid them.
Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue
State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.
Under Public Records of the " Credco Instant Merge Credit Report '' ( page XXXX of XXXX ) names a " State Tax Lien of {$40000.00} '' ; filed XX/XX/XXXX, Court Docket # XXXX. Data Source if XXXX, XXXX. This is INCORRECT INFORMATION, THERE IS NO SUCH TAX LIEN!
Unable to contact Equifax after learning that my data " may have been '' compromised to find out how to protect myself from identity theft and/or fraud. 

I have tried phone calls ( various numbers ) for the past two weeks but can not reach a person. I have tried to cancel my account by email, postal letter and phone to no avail. At the same time, I signed up for their " supposedly '' free identity theft and monitoring service www.trustedid.com but can not reach anyone or manage the new account as the website is " not available ''. 

Frustrated and concerned - Equifax is abusing its consumers and their management may be criminal in their conduct. Write your congressional representative!
On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.
This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation. 
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX. 
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.
Early Warning is reporting a fraud situation completely barring me from opening a bank account. I was a victim of someone who tried to redeposit a check i had previously deposited by mobile phone
On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim
on XX/XX/2018 my information was inaccurately or fraudentley ran by XXXX XXXX which reflected a hard inquiry with Transunion. I've attempted filed multiple disputes by phone and i was constantly told to contact XXXX XXXX. i contacted transuion several times again by phone to dispute the unauthorized inquiry because XXXX XXXX denied my request for a letter of deletion like transunion told me to ask for
It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.