WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, 2015 We were refinancing our mortgage with Bank of America and had a mortgage commitment good until XXXX XXXX 2015. Effective XXXX, the bank transferred the loan to XXXX Bank, but disclosure Letter from BOA said " not to worry if we were in refinance process ; that it would n't effect the refinance ''. Then, On or about XXXX XXXX, when We were approx.a week from the refi closing, BOA sent notice of declining/withdrawing the loan application and cancelling the deal, saying title issues would take too long due to probate issues. There were no probate issues and the title company had cleared all title issues via affidavits etc and was prepared to close and notified the lender directly via their software upload prior to the XXXX XXXX termination letter. 
When we reached out to the BOA loan officer, he said he would straighten it all out and not to worry. He was on vaction but it would be corrected. He literally cursed his back office folks for the error and acted very upset that they had done this to us. 
Then there was little contact for many days and finally, an email apology from the loan officer that there was nothing he could do and nothing the BOA could do. Loan was with another lender and now because we had stopped making mortgage payment prior to the pending closing -- in view of the Loan Payoff letter that was to have frozen escrow and final payoff amount for the Extension/Consolidation/Modification documents, XXXX and BOA each pointing fingers and no one acknowledging or correcting their errors. 
We were told to try again next year when the loan did n't have a late payment for 12 months. 
First of all, we were still in the 60 day Period of a mortgage loan transfer that a lender ca n't penalize a borrower if payment is late. 
Second, we were in the final stages of the refinance and an erroneous title issue was being blamed for the bank to back out of a very attractive 30 year rate. The rates had risen. The Bank Of America would no doubt have incurred costs and expenses to re-establish our commitment with their investor channel or to secure the loan back from XXXX and then honor the commitment rate. So, they decided to decline the loan and disregard our rights and any concern of harm to us. Third, I am a hard working XXXX ; single mother of XXXX children, and a borrower of XXXX XXXX descent and wish assistance, as such, since I am unsure if these factors entered into to the Bank of America 's decision not to protect me and honor their commitment and rate lock. 
So, we are complaining that the Bank of America violated our rights first under the transfer of loans protection and second by cancelling our Mortgage commitment and rate lock. 
That the Loan officer failed to live up to his consumer origination obligations, Remedy : We request assistance from the CFPB to require Bank of America to honor its mortgage commitment and rate lock agreement. We request that they correct their files and allow us to close effective on or before XXXX XXXX, 2015 at the protected interest rate, along with the XXXX and all fees that would have been appropriate as of that date. 
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.
XXXX XXXX lists an amount due of {$6500.00} XXXX XXXX highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
I closed my account with Capital One on XXXX XXXX, 2016 due to fraud activity and overall dissatisfaction with banking services. Since that date, the account was reopened without my knowledge, and several amounts of money were able to be withdrawn ( student loans, phone bill, cable and internet bill, store credit cards ) without my knowledge. I already made all of these payments with my new bank account causing double payments, and these transactions were putting my account in a negative balance when it was supposed to be closed. I have had to endure late payment fees, returned payment fees, and daily phone calls to companies, taking away from my personal and work time. I also spent 2 hours in a branch to be told that a bank manager had " no idea how to return money to a closed account. '' This was followed by a representative on the phone asking for her manager, and the manager also telling me, " I 'm not sure if I can put funds back in a closed account but I can research it for you. '' I was also charged a minimum balance fee for a closed account and am being told I can not get a refund of my own money because the account is closed and managers are not sure how to put the money back. My biggest issue currently is that I paid XXXX XXXX where the payment was unsuccessful and I was supposed to be notified by Capital One that the funds were released back to the bank so I could use the money to repay the violations. However, I received no notification and am now being charged a late fee of {$10.00} per ticket as well as a {$3.00} service fee for both transactions. I now have to dispute these charges totaling {$26.00} with a judge, when this could have all been avoided if the bank had better communication and did not allow my account to be reopened without my knowledge. I ultimately closed this account twice, because of how easy it is for unauthorized transactions to take place on a Capital One checking account and how lightly it is taken by the bank.
I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
After finishing XXXX school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. XXXX reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX was missed. and
I've had to put my home on short sale 3 years ago because XXXX keeps denying that they did something wrong. I see that they are settling law suits for bogus and inflated loans. I provided all of the psperworks where my income was inflated inorder to refinance. They told me that at that time, there wad no imcome check and why did I had to provide my income with copied of XXXX and pay stub. I need to knoe who or where I can go to to have them review They have closed my case and I feel that they were XXXX XXXX me. My husband XXXX passed away and my child and I was literally out of a home. My address was XXXX XXXX XXXX, XXXX Florida XXXX. My # is XXXX.
The Ace Cash Express Located at XXXX XXXX XXXX XXXX  Washington DC XXXX needs to be investigated by the Local Police Departments or the Federal Trade Commission in Washington D.C. because some of the Employees that work for Ace Cash Express is Charging Customers XXXX Dollars or more money to Load Money on there XXXX XXXX  XXXX XXXX Visa Debit Card the real fee for Loading this XXXX XXXX Visa Debit Card is XXXX Dollars but when Customers Load Money on there Visa Debit cards at other Locations in the Washington  DC area the cost is XXXX dollars to Load some money on your visa debit card the same thing might be happening at other Locations besides XXXX XXXX XXXX XXXX Washington DC XXXX and other Criminal Activities at other Locations but Ace Cash Express needs to be investigated by Local Authorities
Gulf Atlantic Funding should not allowed to do business. They lure you in with a supposed personal loan rep who gets a commission but never helps you. XXXX XXXX was supposed to get a mortgage for myself as well as some of my clients. I am a realtor. This was a complete nightmare with lies and months of no help or return calls. Almost losing the deal on the house for my clients!! And hours and hours of hunting them down only to get more lies and no help. Many changes to your costs last minute when you are desperate to buy the house..Like armed robbery without the XXXX. XXXX XXXX was the rep who was an absolute nightmare!
they are increasing [ about two dollars ] my balance daily saying itsanticipated interest interest that they take off my actual montly interest but i have never seen it taken off. they refuse to send me a detailed statement showing the money they have taken out or deducted from my interest.. i have alot of credit cards but don't have this problem with them.
I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.
I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.
Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.
XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well
worldwide assets has been garnishing my wages since   XXXX  -17, i do not know what im paying for .called the number my company gave to me. it is unlisted. my company said it was for  XXXX  have paid  XXXX  the case number is  XXXX . could you please help me find out what this is for or im beening scamed into paying., have not went to court or notify by mailed by company. please help
Navient acknowledges that I am completely and XXXX  XXXX and I have received a federal student loan discharge based on that ( the discharge monitoring period for that ended XXXX of XXXX ). I have no income and no assets and am in the process re-applying for SSI. When I applied for TPD relief with Navient for my private students loans, they " restructured '' some of my loans, but the payments are still completely unmanageable ( over {$200.00} per month ). I've  repeatedly asked them about at least lowering my payments and am told this is impossible. Being completely unable to pay them, at this point I am going into default and my credit is trashed. I filed for bankruptcy in XXXX, but the legal aid company I used does not do adversary proceedings and so could not address the student loans. I currently owe Navient {$27000.00}, with about {$1500.00} of it being past-due. I have 4 loans : 2 were dispersed in XXXX at XXXX University, one in XXXX at University XXXX XXXX, and one in XXXX at University XXXX XXXX XXXX. Navient says I became legally XXXX in XXXX, before taking out the final loan, so they don't consider that to be included under TPD restructuring options.
On XXXX I tried to make a purchase on XXXX and it was declined. I received a email from XXXX which I read on the XXXX. I then logged into my account with with XXXX XXXX and found that on XXXX at XXXX an IVR Money Transfer was transferred to XXXX XXXX, confirmation number XXXX for the amount of {$500.00}. 
On XXXX I called XXXX XXXX. My PIN had been changed. XXXX XXXX told me that they would send the necessary forms that I needed to complete and FAX to  them. By Wednesday, the XXXX I still had not received the forms so I called them again. They said they would re-send the forms. I asked them when can I expect my account to be credited the {$500.00} and they said within 45 to 90 days. It is now the XXXX and the mail has come and gone and no forms. 
XXXX XXXX was assigned to me by the SSA. I called the SSA and they said there was nothing they can do even though they assigned me to XXXX XXXX. I called Comerica Bank whose logo is on the card. They also told me that there was nothing they can do.

I XXXX 'IVR Transfer ' and XXXX XXXX came up. It seems that this has been happening for some time ; money transferred and PIN 's changed.
***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... 
ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY  LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. 

# 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION.

# 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. 
# 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY
i opened up an account at TD Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.
I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I had such a bad experience with AMEX. I signed up for AMEX Everyday Credit Card with " 0 % intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74 % to 25.74 % '' and " Earn XXXX   Membership Rewards Points after you use your new Card to make {$1000.00} in purchases in your first 3 months. '' I got my card without the offers.

I called to submit a complaint, after waiting more than a month I received We didnt find any APR offer on your account!

AMEX never promoted this card without that offer, I kept an eye on that card for a long time, and I was already pre-approved, and I waited until I really want to make a big purchase to use the card and I was surprised when I figured out that the offer is not applied.

So frustrated, felt that I got tricked, and they didn't offer me any alternative to fix the problem. I always get " We would not be able to override this ''.
This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.
On XX/XX/2018 my controller was hacked by a party from XXXX that opened an account in my businesses name, XXXX XXXX XXXX in a Wells Fargo account.. As a result my refiner wired XXXX US dollars into that account. When we realized there was a problem Wells Fargo did a pull back on the wire and was able to get XXXX back leaving us short XXXX that had been transferred out of the account and was unavailable for refund. 

Wells Fargo opened an account in my business without doing any due diligence, let a large sum of money to be wired into an account off shore with no due diligence. 

Wells Fargo was absolutely no help with any of my questions and told me the only way to get the XXXX back was to take them to court.
USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.
I XXXX XXXX disputed over and over again that credit one bank was settled and paid in full. A paid charge off. XXXX  XXXX  nor XXXX who I have written to many many times as well have disputed on line will not correct nor update comments and balance. Its a XXXX balance and comment should say paid charge off or paid and settled for less. I have proof of letters that account was paid. It was originally XXXX XXXX XXXX  account they sold it to XXXX XXXX XXXX. Then XXXX XXXX XXXX told me they sold it to a third party RAZOR CAPITAL. Razor Capital is the collection agency I had to settle and pay charge off of XXXX. Their phone number is XXXX
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
XXXX BANK WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO CLARITY, XXXX, XXXX ETC.
I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation.