WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.
Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Bank shut down my account that was linked to my checking account and charged me {$100.00} in fees and would only refund half of my money. XXXX and XXXX at Wells Fargo refused to allow me to speak to a supervisor and said my complaint was closed.
I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.
I applied for a Wells Fargo credit card. They asked I go into the branch with two documents from a list, including a utility bill or renter 's insurance. I submitted confirmation of my renter 's insurance, a copy of my driver 's license and a utility bill. They refused to process the application still, instead demanding more paperwork be dropped off in the branch. They would n't even tell me whether I would be approved pending providing this paperwork.
Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before XXXX/XXXX/XXXX.
Upon review of my credit information reported on the credit bureaus, i noticed certain inaccuracies and incomplete and wrong information reported on my credit reports i disputed these accounts with experian : XXXX, XXXX, XXXX : XXXX. These accounts reporting are obsolete, unverifiable, several attempt to experian to delete these incomplete informations have proved futile. I have contacted the sources who have not confirm the accuracy of these reportings. I believe it is in the best interest of the consumer to have unverifiable, obsolete, incomplete information removed from my credit report. 
Again, this account from XXXX XXXX : XXXX is also inaccurate, i disputed this information with experian and XXXX at the same time, equifax DELETED THIS ACCOUNT BECAUSE IT WAS INACCURATE AND UNVEREFIABLE, i have attached a copy of the outcome of the dispute from XXXX to serve as a proof. I want these informations be removed immediately since im consulting with a consumer attorney about any legal process involved. Please forward this to experian to help me resolve this issue immediately
had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX
6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.
I have called equifax for a full two days. I promise on my life I have never received such horrible services. I ca n't even make this up and still in disbelief. On thurday XXXX. I called Equifax at XXXX to check on the status of a letter that was sent in to address unauthorized inquiries on my report. I have the Equifax Premier Plan which shows that I have multiple unauthorized inquiries on my credit report. When I go to the dispute link it does n't show the inquiries so I have called to address those concerns. While on the phone with a foreign rep and after explaining my life away about the issue he then transfers to me an agent then I have to reexplain myself to this foreign agent. Now this agent then go on to say they do n't see the inquiries and I explain to him that that is what my issues is. Its not showing on Equifax end but its showing on my end under my report with Equifax premier plan credit report. He then transfer me and from that point I 'm transferred a total of 6 times to other reps who stating I need to speak with another department. I was then hung up on after the 6 person whom I was transferred t. Before speaking to a U.S rep Im transferred to another rep who forgot to put me on a hold and you can hear him laughing and joking to a coworker and upon realizing it they place me on hold then hang up on me. This is after I have been on the phone being transferred for almost 2 hours. I had to call back and immediately asked could I be transferred to a U.S representative. Explained to the woman what have happened to me for the 2hours and she finally see what I was speaking of in regards to me having multiple credit profiles. Even she said she still had to transfer me to another department. I am close to tears because I 've never experience so much unprofessionalism in my life.
CITI bank closes my credit card account and suspended all of my cash back rewards in the account. CITI bank never tells me the reason for closing my account and refuses to send my cash back rewards. I have about 700 US dollar cash rewards in my account.
Wells Fargo foreclosed on my duplex and my {$69000.00} escrow. Because they were collecting for a loan that was already included in the first mortgage on my house. I have now paid it again to XXXX. Now XXXX has transferred to another servicer that wants me to pay them the same money. 

HOW MANY TIMES DO I HAVE TO PAY SOMEONE FOR THE {$47000.00} someone gave me in 1992? I apparently paid Wells Fargo for a commerce bank loan that was paid off by my house loan. - actually it was paid off with my escrow and extra money I had to pay to midland mortgage I did not owe. I believe Wells Fargo was collecting for the escrow I was paying on another property and I had already paid to another lender. I also believe they paid this money to XXXX for insurance I had not spent/used. The money also XXXX have paid been paid to XXXX companies claiming to have judgements against me or my husband and with whom we never HAD an account. 

WELLS FARGO STOLE MY XXXX
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!
For several years Wells Fargo have been charging me overdraft fees for insufficient funds in my checking account. Several of my bills had to be set up as auto payments. 
I have requested that Wells Fargo not make the payments if the funds were n't there because the late fees are less than the {$35.00} overdraft fees. 
I was informed that this is Walls Fargo policy for auto payments and debit card transactions. 
They will not let me opt out. 
They are taking advantage of the lower income people. 
I had several overdraft fees in the last month alone, so it is hard for me to get ahead with my limited Social Security income. 
Is there any way to get these charges reversed and opt out of overdraft protection. 
Thanks in advance XXXX
I sent dispute letter to transunion asking for verification and validation. I have received my reports back and they did not prove the account is reporting correctly.I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.They is in violation of the FCRA.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
All collections have been paid and being reported on days which make no sense. Believed to be victim of cyber hacking or attack, identity theft since XXXX. XXXX was contacted. Reference number is there. Nothing is changing!
working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction. 
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself. 
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.
Capitol One Transaction Support Center XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Account Number : XXXXXXXX XXXX Case Number : XXXX Reference : Erroneous Billing of {$88.00} to be credited back showing the final balance as XXXX. 
Dear Transaction Support Center Manager I am in receipt of my Master card bill as well as your letter dated XX/XX/XXXX. Copy attached I have my version of explanation against yours : 1-Lets say I made a purchase in the amounts as shown on Exhibit # 1 with my Capitol One Card 2-Due to an issue with my purchase I called Capitol One to dispute the charge.

3-Capitol one representative after talking to me called the merchant directly and I received the credits directly from the merchant, eliminating any Capitol One credits as Claimed by Capitol One Evil Genius Hence there is no upfront advancing the money to give me any credits. 
The Exhibit # 1 shows the details that no Capitol One credits were given during my transaction. 
Method # B to prove that your claim of upfront advancing the money is fraudulent : 4-Suppose Capitol One gave me a credit of {$88.00} plus {$4.00} check?? I dont know why? ( Ex # 2 ) I dont know where the surplus came from? nad again yet a demand for {$88.00} 5-Then my account balance should be money available to me of {$88.00} ( after the dust settles ) but it never happened and shows a fraud of {$88.00}. I was very cautious in restricting or stopping all transactions on Capitol One card, which I will close as soon as I settle this matter.

Capitol one is a FRAUD BANK and I will report them to Federal Agencies to take action and shut them down.I need immediate resolution and clearing my account showing XXXX balance and close my account as of today. 
Regards -- XXXX XXXX, XXXX - XXXX XXXX XXXX State of Oregon CC :
I am receiving a old medical service Bill ( Please see the attached copy ) that I disputed with hospital in many methods. I believe I have a right to protect my medical information and don't want hospital share my SS # DOB or any other information to the third party company like XXXX XXXX XXXX to attempt the disputed bills. 

As a Massachusetts resident I obtained health insurance policy and accept my health provider and primary care to negotiates with the insurance company before any medical service due and let patients know the results of the negotiation. 
in my case I am billed by XXXX XXXX XXXX {$500.00} for the date of service XX/XX/2017 under my name address and account XXXX. 

I called and give them written notice to resolve the problem but I received a debt collection notice from Gragil Associates, Inc and charged a increased amount of {$570.00} ( the original disputed amount {$500.00} ). This bill is a wrong bill to me and due to the XXXX 's financial administration processing fault and need to be resolved and must assured me that my medical information is not being compromised.
XXXX listings on my credit report from Trans Union on derogatory list are paid and listed with XXXX balance and XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX Ohio ) will not take this off my report. 

They were medical charges from XXXX Hospital in Ohio, and I contacted them and they contacted XXXX XXXX XXXX and said they wont take off my credit report. and that it will remain on my report for 7 years. 

Why should u pay them off?
XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.