WillisBack/dataset-financial-user-claim huggingface dataset:
Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.
I resubmitted paperwork for an Income Based Repayment Recertification ( IBR ) the first week of XX/XX/XXXX OnXX/XX/XXXX ; AES sent an email thanking me for submitting an Income Based Repayment Plan request and stated that once my request has been processed they will be sending me communication advising of the outcome.

On XX/XX/XXXX ; AES sent an email stating that my IBR request is on hold and they will process my IBR recertification request once the final bill of my current schedule is generated on XX/XX/XXXX and once they have processed my request they will send a follow up email.

When I log onto my AES Success account I noticed that a repay bill is due for XX/XX/XXXX and each time I have checked there is a different payment amount and date. It is clear that someone has been going into my account and tampering with it. Because of all the personal and sensitive information on this account ( social security number, birth date, etc. ) this is a breach of my privacy. I am also concern with the week gap between when AES is going to process my IBR plan and the scheduled due date of payment until they update my account. I do not want any negative reporting on my credit report because on their processing procedures.
My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? 

My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. 

In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. 

I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. 

We are begging for your help in stoping this abuse and bullying.
I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. 

I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. 

I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.
They call repeatly sometimes every hour. I have requested them to stop the calls. I am very sick and having XXXX problems. This has contnued for 60 days now. They call even on Sundays.
The inquiry was made by XXXX XXXX XXXX on XX/XX/2018. I do not recognize this inquiry and it should have been removed from my TransUnion consumer report. I contacted the inquirer but they have not remove the inquiry from my consumer file yet. I also contacted TransUnion about it and has not yet remove the inquiry. I contacted them months ago.
I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular   XXXX   XXXX   account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of   XX/XX/XXXX ,   XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account  manager  put the car up for repression in   XX/XX/XXXX .  As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in   XX/XX/XXXX .   The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President a nd other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account.
Hello, I am reaching out for help because recently I sent out letters via certified mail to XXXX Collection located in XXXX Michigan to let them know that theyre in violation of my HIPPA rights. They received my letter XX/XX/XXXX and I received a response in the mail XX/XX/XXXX of statements claiming that I owe {$90.00} and {$140.00}. 
On both statements they include services received which was XX/XX/XXXX XXXX  XXXX XXXX And XX/XX/XXXX XXXX XXXX XXXX complete. 
Within my letter I asked that they provide a copy of my signature with the provider of service to release my medical information to them, XXXX collection failed to do so. 
I also asked them to cease any credit bureau reporting until the debt has been validated by me, which they have also failed to do. 
My privacy was violated in which I am protected by HIPPA laws.
XXXX from American Coradi international ( http : //www.americancoradiusinternational.com/ ) contacted me numerous times : XX/XX/XXXX at XXXX XXXX PST, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and today XX/XX/XXXX at XXXX XXXX. 

Even though he has my address, he has refused to send anything to me or negotiate with me. I have reported his unprofessional behavior to XXXX who hired this collection agency and they are investigating. 


My credit score has dropped a lot because of American Coradi 's tactics.
An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.
I recently made a complaint about XXXX and Transunion regarding a bankruptcy on my report. I reached out to them via telephone and was only able to speak to a representative at Transunion ; XXXX request that you leave a message and someone will call you back and I have yet to hear from anyone. I questioned the representative with Transunion asking the name and credibility of the third party company that verifies bankruptcies per consumer. Transunion put me on hold and he came back and said he couldn't answer and will make a request for this to be removed. I have yet to see any changes. My report from both agencies are contradictory ; the filing dates do not match and one report says I filed chapter XXXX and XXXX bankruptcy. The status dates have not been updated showing that an investigation was done. I'm attaching snippets of my current credit report effectiveXX/XX/2018 that clearly shows the contradictions.
Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.
This Phone Number XXXX is Midland Credit. they have called me XXXX a day for months and even on XXXX and XXXX, looking for someone who is not me. I have asked them numerous times to stop that i was not the person they are looking for and they still call me even after agreeing to remove my number. please make them stop! Thank you!
To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called XXXX 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Had an account with Nissan Motor Acceptance Corporation that went into a " Charge Off '' status as of XXXX with a balance of {$2600.00}. I contacted Nissan on XX/XX/XXXX and spoke to a gentleman by the name of XXXX about resolving the account. He advised that there was an offer to settle the account as " paid in full '' for 40 % of the balance, or {$1000.00}. My concern was how it would appear on my credit report because I was in the process of repairing my credit in anticipation of applying for a mortgage and possibly a new car. I advised that I did not want the account to show as " settled '' and asked if there was a way to have the " charge off '' status removed entirely. He stated that the only way that was possible is if I paid the balance in full instead of the reduced settlement offer. I confirmed with him again that if I paid the full balance that all charge off remarks would be removed from my credit file. He said that if paid in full I could call back with the confirmation numbers as soon as it was paid, and that they would update their file with the Credit Reporting Agencies by the end of the month, but that they could take longer to update it on their side, but that it would no longer say " charge off '' but only " paid in full ''. 

That day I paid the account balance in full as advised and called back to give the confirmation number to them as requested ( and instructed to do ) by the gentleman I spoke to. When I called back I spoke to an agent and advised them of what I was doing but she stated that the " Charge Off '' would not in fact be removed but would be left on my credit history. I told her of what I had been told by a previous representative, but she said there was nothing she could do so I asked to speak to a supervisor. 

A supervisor by the name of XXXX XXXX came on the line and I explained the situation. XXXX XXXX reviewed my account and advised that the charge off was correctly reported and would not be removed unless it had been reported in error on their part. I advised her of the information I was given by the first representative I had spoken to that day and that I had in fact recorded that call and could forward a copy of that audio to her for her to review, to which she replied " that's ok, we record our calls too ''. She said regardless of what that representative told me, the charge off would not be removed. 

I feel that Nissan misrepresented themselves in order to collect more than the settlement offer I received of 40 % with promises that they had no intention of honoring. Once they had their money and I fulfilled my end of the agreement, they had no desire to fulfill their end as promised and refused to do what they said they would do. They claim it was offered in error, but clearly that was not my error and they should be required to honor what was promised to me. 

I have the recording of the call where I was initially told the charge off would be removed if I paid the balance in full, as well as the call where I was told it would not be removed despite me paying the full amount and being told that by a Nissan representative on a recorded call.
Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is XXXX
I am a current victim that got their identity stolen through XXXX security breach that affected over 340 million people. I was applying for loans online. On XX/XX/17 One called me and I assumed it was because I applied to them and come to find out they found my info on the internet and offered a loan approval just have to verify checking account by them sending a TREASURY check to me and I needed to XXXX XXXX it back but XXXX XXXX was closed so bought {$850.00} XXXX cards with my debit card and pin to complete the transaction. On XX/XX/17 I looked on my online banking and saw that they did put that amount in and so swiped my credit card that Wells Fargo did not catch this security breach of my identity and allowed a card that technically had the amount in it by was not cashed yet. XXXX supports legal rights of the banking company to dispute all charged, fees, and loss of my personal money that was In their. Wells Fargo states it 's impossible for scammers to get my online banking login information, without me telling them! I have supported documents to prove that statement false by XXXX. I 've talked to many Wells Fargo reps, been in store with managers, made police report, made lawyer aware and still they refuse to budge. Stating that i did give the scammer my login information which is a accusation that is discriminating with no facts to support Wells Fargo Accusations. I had to call wells Fargo yo find out my account has been overreacted the amount that I saw was available. Also I did not know it was sent through my online banking because no alert was made and figured they wired it to my account, which is why I made sure the funds were in my checking that were authorized and to run my debit with pin knowing my card would n't go through if the check did n't because of having only {$200.00} in my checking at the time. They corrupted my credit score to retired and false work information that prevents me to get any other credit line since that 's what I needed in the beginning before I became more XXXX for lack of security attention.
Experian has still not provided me with the credit report I requested XXXX weeks ago. They can not be reached by phone or internet. And they seem to ignore mail.
Hello, My name is XXXX XXXX and recently I received a large envelope from DISCOVER with a card inside saying " PROOF '' and inviting me to apply for a personal loan " Because of my Excellent Credit record '' ( see attached copy ) but when I applied on the internet, I received a deny note! 
This is wrong to try to get all my personal info by pretending that they know about my credit history and convince me that I will get the loan if I apply and then they deny me. 
This also could damage my credit score. and I do n't appreciate that either.
Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.