WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.
My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?
Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.
I was mislead to invest in a structured CD 's, that did not earn any % gains over 6 years period, the Broker did not act a fiduciary agent according to SEC regulations.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I started a mortgage with wells fargo in 2014. I asked for the mortgage to be XXXX the mortgage ended up being XXXX. In order for me not have PMI for the life of the loan, I could have paid XXXX, which was the equivalent of XXXX. The house was valued at XXXX. No one from the bank disclosed to me that if I paid 10 % I would have been able to get rid of pmi at some point during the loan. I was at almost 10 % of the loan payment. Had I known this, I would have completed it. Now I have had to refinance and pay money to get rid of the PMI.
on XXXX/XXXX/XXXX I submitted a request to Experian to have some personal info updated on my credit report. On XXXX/XXXX/XXXX I received a response that the info was updated and they included a new copy of my credit report which had a long list of inaccurate addresses and other personal information. On XXXX/XXXX/XXXX I sent them another letter asking them to remove all the inaccurate addresses. The only address that should be on my report is the XXXX on my driver 's license. Today, I checked my credit report and noticed that NOTHING was updated - even from the first letter. I DO N'T UNDERSTAND HOW THEY CAN LIE AND SAY THAT THEY UPDATED MY INFO AND NEVER DID. THIS IS COMPLETELY UNACCEPTABLE!!!!
Basically I opened my XXXX account back on XX/XX/2017 due to an offer they gave that was 12 months, no interest, same as cash. We had a couple of replaced parts on the account due to 2 dressers that were delivered and had damage. Some how, according to a supervisor at XXXX, the 12 month no interest status was removed " accidentally '' and they have no way to add it back to the account. I have spoken to several managers and sent secured messages to XXXX asking them to correct the issue. I have gotten nowhere! I told them the last time we spoke that I would result in contacting XXXX XXXX if they couldn't rectify my situation.
On  XXXX / XXXX / XXXX  my mortgage servicing compa ny ( Ocwen ) received my cashier check in the   amount of {$14000.00} which was applied toward the period of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to  XXXX / XXXX / XXXX  and was received b y Ocwen  on  XXXX / XXXX / XXXX . I sent my check  XXXX .  XXXX  in the amount of {$20000.00} under separate cover which the company received and applied accordingly for  XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for  XXXX / XXXX / XXXX  and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for  XXXX / XXXX / XXXX , there was a total amount due of {$4200.00}  ( {$ 2000.00} for  XXXX / XXXX / XXXX  and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in  XXXX  whe n Ocwen  acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.
In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.
I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..
I have asked American Express Credit Card for a authorized user card for my wife on 3 occasions. My credit is perfect and I am in good standing everywhere yet they refuse to right to allow my wife to be an authorized user and refuse to tell me why. My wife has not made any request to the company for credit, I did. So why ca n't you give her the right to use my credit if I authorize it, most every other financial institution does. 

I have total financial responsibility for my account and they ca n't tell me why my wife can not have a card when we both have XXXX, XXXX, XXXX, and any other account we like. I am authorized user on some of her accounts as well, yet they tell me that they can only talk to her as to why she ca n't use my credit and be a authorized user.
I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.
I sent 2 certified letters to XXXX, XXXX, XXXX and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
I discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.
I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Loan # : XXXX Date of Inquiry : XX/XX/XXXX My husband and I contacted Bank of America Home Loans to inquire about obtaining a mortgage on a newly purchased, single-family residence for the purpose of paying off credit card debt and making improvements to our new home. We purchased the home at XX/XX/XXXX with cash. After moving in and doing some improvements, we wanted to consolidate some debt and make additional modifications which is why we sought a " cash out '' loan through BOA. We made our initial contact with Bank of America on XX/XX/XXXX via their XXXX number and spoke with a lending officer named XXXX XXXX ( XXXX # XXXX ). We answered the typical questions regarding income and expenses. Knowing we already had an established relationship with BOA with a car loan and a prior mortgage, we were confident there would n't be any issues with approval. During that first conversation with XXXX, it was specifically discussed that we only owned the home for a short time ; less than a year. After answering all of his questions, we were required to commit to a locked in rate and allow a credit report to be pulled in order to continue the application process. After XXXX pulled our credit report during that initial conversation, he notified us that we would not qualify for a loan because we did n't own the home for at least six months. The urgent consumer concern about our complaint is that XXXX/BOA should n't have pulled our credit report once he was notified the short time we owned the home. We asked him why he did n't stop the application process once he had this information instead of dinging our credit and causing our score to drop. He blamed it on the computer system and software. After I spoke with his manager, XXXX XXXX, Sales Manager Vice President, she stated that the error was due to lack of training or knowledge and that she would discuss the situation with XXXX. Since that initial phone call in XX/XX/XXXX, my husband and I have not been able to seek a loan elsewhere due to our dropped credit score. We were trapped into continuing with the application process with BOA once we owned the home six months. Financial damages we incurred due to this illegal and unethical application process is calculated to be somewhere around {$30000.00} due to us accruing monthly interest on debt we planned to consolidate ; debt we would not have incurred if we were free to seek a loan elsewhere. Bank of America needs to be cited for this practice. We plan to seek damages for the financial hardship they 've created for us. If XXXX would have stopped the application process when he should have, our credit would not have suffered and we would have waited until we owned the home for at least six months before applying for a mortgage with either BOA or another company. Instead, XXXX put us in a position of entrapment where we had no choice but to continue with BOA.
I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. 

Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? 

I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.
Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
Equifax!!! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
XXXX  Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX  XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance
This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.
I called Navient to set up a reduced payment plan. I agreed to the terms and everything was situated. My debit card was compromised so I notified Navient of the situation. The representative stated that i would need to cancel the previous set up and start up a new one with my new debit card information. Which was what was exactly what was done. I agrees to the new terms and everything. Navient has been automatically taking funds from my checking account since XXXX 2017 for the agreed upon reduced amount. However I received a notice via mail stating that my account was delinquent. I contacted Navient and spoke with a representative that went back into the notes and stated the last representative did not properly enroll me into the program and that she no longer worked for the company. She supposedly quit that day. I ask the representative why should I be responsible or penalised for someone elses mistake, but there was nothing they could do and I would be responsible for the balance. A balance that continuously effecting my credit.
I inquired about an equity line of credit in  XXXX  of  XXXX  with Washington mutual Chase bank. On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX    XXXX   was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize  any one to u se my identity.
Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.
I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.
XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!