WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!!!!
Apparently back in XX/XX/XXXX, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending class in college. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my XXXX had state benefits because he was a XXXX XXXX at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home
This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.
I was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!
I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.
Solomon and Solomon cla ims I owe  XXXX  to  XXXX   XXXX , this account was paid off a t one poi nt, fraudulent charges subsequently placed on it. Despite fraudulent charges, I was making payments on the account in the amount of  XXXX  per month. Due to some returned payments, which were in error by my bank, the account was closed and charged off. Please not e, Solomon and Solomon is the se cond collection agency attempting to collect on this debt.. XXXX  (  XXXX   XXXX   ) , previously  attempted to collect on this debt and I believe they sold the account to  Solomon  and  Solomon realizing there is f raud and they could not collect on it.  XXXX  responded to a similar complaint by sending copies of statements which prove nothing, they failed to prove I authorized charges since account was paid off. They then referred account to  Solomon and Solomon,  please advise them as I have advised prior collection agency, the payments made to  XXXX    XXXX   despite fraud will be the only payments made on this account and to accept it as settlement.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries please be removed.
Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and XXXX is reporting 1. XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )
I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! 
The loan is over the statue of limitations.
Sent in a dispute letter to Experian that was received by them on,XX/XX/XXXX. Got an update regarding my bankruptcy stating That the date was verified, and it remains on my report. I called Experian today on XX/XX/XXXX and  spoke to XXXX, Experian employee, explained to him that the dates were wrong. He said they were accurate from the third party that they use, could not give me the third party information, or who he spoke to. Said its a lot of companies they pull information from, asked him for all the numbers, said he does not know the numbers. Dont think its right that they verify information from anyone and not able to tell me who they got it from so I may call them and speak to them regarding the wrong date on my bankruptcy. Please advise this happens all the time.
XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX   Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank
Sent {$150.00} using XXXX ( Chase XXXX with XXXX to a person I was supposedly buying concert tickets from. 
They gave me their name and email. 

XXXX XXXX email : XXXX within minutes of the transfer I suspected fraud and called Chase right away. They said there was nothing they could do and don't even know who the money went to or where. 

Chase was no help at all.
On XXXX/XXXX/XXXX, I attempted multiple times to obtain an Experian credit report thru XXXX. Each time the Experian website timed out. 

I then attempted to use the " Add a Security Freeze '' option on Experian 's website ( v ), but that also timed out/did not load. 

I also attempted to do both using different browsers ( XXXX and XXXX ).
I had submitted a request to Equifax following the passing of my father to mark his credit file as deceased and get a final copy of his credit report to verify that there is nothing outstanding that I didn't already know about. What I received in response, addressed to me at my address, was a credit report for a completely different individual. I have her full name, date of birth, current & previous addresses, I know what credit cards she has and how much she owes, I know the bank and balance of her checking account, and all the reported places she's worked. While I don't know her full SSN, I can tell you that the last 4 digits of it match that of my father. That is the only similarity between the two and I believe that is where the mistake was made. A second letter from Equifax makes the same mistake and details a change to the account. 

I called Equifax to tell them about the mistake. They got information from me about my father and said that they were sending me the correct credit report. They didn't seem surprised or alarmed that they had sent out the wrong report initially. After my information was divulged in the breached by this same bureau last year, this is even more troubling. Since consumers don't have any choice in the bureau having our sensitive information, I would hope that they would make every effort to protect that information through security measures and preventing human error. This does not appear to be the case. 

I'm attaching my initial request to Equifax, the single page letter about a change to the account, and one page of the credit report to emphasize the sensitive information I was provided. I did double check to make sure the SSN which I had provided was correct. I have not redacted any information from the pages, but will not share this information with anyone else. I do intend to send the individual a letter so that she can contact Equifax directly.
I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!
I was advised to file bankruptcy due to issues I had with identity theft. I called Navient after I was told by the attorney of the balance with Navient. It was around 30,000 of debt. Debt for schools I have not attended. I called Navient often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to Fl in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the Dept. Of Education and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX College XXXX XXXX College XXXX University XXXX XXXX College XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the time of enrollement. Regarding my income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.
On XX/XX/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. 

I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.
Received a letter in the mail that a XXXX debt was owed for a er visit while traveling. Being that I am XXXX XXXX I didn't have co pays. However the XXXX dollars owed was due to a billing error on XXXX XXXX behalf. I did however pay the bill after being threatened and employees of professional account services refusing to listen to me. I was hung up on when I told the rep I paid the bill with the hospital directly. Which is XXXX XXXX. The rep again hung up on me. The confirmation for my XXXX dollars is XXXX. Bill was paid directly to XXXX and should have been sent to collections per the fair credit reporting act and hippa laws.
My daughter and myself notified the bank of the unauthorized withdrawals more than once. When the bank confirmed who did the withdrawals of most of my Social Security retirement benefits, my daughter submitted a complaint here. The bank responded but did not issue the funds back to me. The CFPB closed the complaint without asking me if it had been resolved or not with the bank. It states clearly on the Social Security website that the only person other than the person who owns the account, who can access the funds is a representative payee. I don't have a representative payee. The bank should issue the stolen money back to me as I am in poor health and need that money for my expenses. It states on the FDIC and Federal Reserve site that the bank has to refund the money while doing it's investigation. I never authorized XXXX XXXX XXXX to withdraw all my money for 3 months in a row and she is also using a fraudulent POA of finances. She was forced to resign as trustee of my trust and has no authority given by me.Even if she was POA of my finances, which she isn't, the SSA doesn't allow anyone but payee reps appointed by them to do anything with the funds. I need my Social Security money back that the bank had no right to let another person withdraw. Retirement direct deposit accounts are supposed to have a high level of security to protect people like myself and the bank is without any doubt what so ever responsible for the withdrawals that were not supposed to go to anyone but myself or a payee representative. They can sue the trustee for the withdrawn funds and get restitution because the trustee is a professional fiduciary ( hard to believe ) and is also bonded. I need my money that the bank should have never given to anyone other than the account holder which is myself. The total is between 6000-8000 and can help pay for some of my much needed medical supplies. Thank you.
TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.
THIS LAWYER IS XXXX, XXXX, AND XXXX. AFTER I CORRECTED THEM THEM THEY CONTINUED TO CALL ME MAM AND MADE THREATES TOWARDS ME. SAID THEY WERE TAKING ME TO COURT. SENT XXXX XXXX TO MY HOUSE AND POSED AS A FAKE POLICE. I CALLED THE XXXX XXXX COUNTY SHERIFF TO ALWRT THE REAL POLICE. THIS LAW FIRM IS EVIL AND NEEDS TO BE DESTROYED.
Since the 1980 's possibly sooner my father has fallen a victim of the deceptive practices by large banks and real estate investors, i.e. Wells Fargo XXXX, XXXX and more no relief ever and most recently all his claims been erased from the system including email access. XXXX and Wells Fargo, also more. Remodifying his loans and refinancing illegally making him beleive he is in debt also foreclosure most recently as well as selling contracts out from under him illegally claiming interest or equity. Forcing sell or foreclosure.
I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.
Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.
Greetings, I writing to you due to the harassment of Quicken Loans. I made a complaint to the XXXX XXXX XXXX for an issue I had with them in XX/XX/XXXX. I guess since nothing is being done about that situation. They are finding ways to taunt me about that situation. They put an envelope with closing documents on my doorstep 2 weeks ago and I don't understand why. The papers didn't have any changes to it. However, I looked on the website and pulled up my billed and saw that my mortgage will be going up next month to XXXX. They say due to my taxes, which I am exempt from paying taxes. Since I am a XXXX  % XXXX Veteran. And Quicken loan knows this, they have a VA property Exempt paper in their file. I been living at this address since XX/XX/XXXX and never paid property taxes. I went to the tax office they said, Quicken Loan was sent a tax statement when I was sent one this year. She also stated since I been already exempt from paying taxes I do not have to be exempt again. I am not going to play these games with them. I just Buried my aunt Saturday and my mom fiance two weeks ago. Life is too short. I have MY paperwork and some emails sent from XXXX XXXX I am sending along with this text. However, I will not be paying higher a mortgage next month. However, I will be a XXXX veteran because I can't afford a higher mortgage. But I will also send this information to the State Attorney General Office and to Consumer Affairs. Because I have a toddler and a teenager I have to try and shelter them. I did try to refinance with another company but I found out I have to wait a year due to the modifications agreement. Something quicken Loans didn't tell me about, I feel this company is based on one big lie.
Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.
I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.