WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan Chase put my house in foreclosure the beginning of the year. In XXXX, I paid all attorneys fees and backed payments to have the mortgage reinstated so I could sell the house in question. I followed all procedures as laid out by Chase 's attorney, XXXX, and my mortgage has still not been reinstated. I can not sell my house now as it is still listed as in foreclosure. Chase has been no help, and XXXX will hang up the phone on me every time I call. All Chase tells me is that on their end it 's no longer in foreclosure, but the foreclosure is still filed and not released yet. They are " looking into it, '' for going on two months now. 

My real estate agent has informed me that I will most likely never be able to sell my property for the amount that it is worth, since Chase has ran a foreclosure ad in the newspaper about my property, and that ad is still running. Furthermore, anyone can look up the property address and see that foreclosure has never been released.
In XXXX 2016, I opened a Citigold checking account with a promotion code I had received. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements XX/XX/2016, I messaged Citibank via their online secure messaging system to check on the status of this promotion that I was enrolled in and had met the requirements. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise
Bank of America completed a loan modification ( under the National Mortgage Settlement agreement - NMS ) on our XXXX mortgage around XXXX XXXX ( loan XXXX ). When we began the process of modifying the XXXX loan, we consistently inquired verbally and by email about modifying the XXXX loan ( XXXX ) which was and still remains with Bank of America. Our concern was that we would still be under water if the XXXX remained on the property. This worried us and was a key point that was communicated many times during the XXXX loan mod process ( we have emails on record ). We were told repeatedly by BofA employees that the XXXX would be extinguished after the XXXX loan was modified. Our recent research shows that under the NMS, BofA would have to extinguish their XXXX lien if the XXXX was successfully modified. We were pushed off repeatedly through the trial period with the same excuse that the XXXX would be addressed after the XXXX was completed. After our trial period, a BofA employee told us verbally that the second lien had been " sold '' and that they could no longer honor any extinguishment. Since then we have discovered that this was a lie. BofA has always held the note on the XXXX but failed repeatedly to take any actions to extinguish or modify the XXXX. In fact, they were completely unresponsive to our requests saying that the XXXX had been re-assigned/sold to their Servicer, XXXX XXXX XXXX ( XXXX ). XXXX has always denied that they 've ever owned the XXXX but that the note has always been held by BofA. We remained in this limbo until today! This type of unfair practice has caused us tremendous financial stress as the XXXX lien has occupied all of the equity in our home since XX/XX/XXXX and limited our financial options for survival. BofA 's tactics eventually forced us to file for bankruptcy in XX/XX/XXXX a few months after our XXXX was modified. Firstly, I strongly believe that BofA acted illegally under the terms of the NMS agreement. Secondly, I believe BofA used unfair, predatory business practices by initially telling me they would extinguish the XXXX and then misleading me into thinking they sold it. A BofA representative told me by phone today that he apologized and that the information he had given me last week about the ownership of the XXXX loan was incorrect, he confirmed that his research showed that BofA has always owned the second. I have no words to describe how violated I feel. Please help.
XXXX XXXX XXXX is still showing on my XXXX and EXPERIAN credit reports as a factoring company. To characterize my collection account as a factored account or to characterize XXXX XXXX XXXX as a factoring company is false representation. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receivables, not debt, and the bulk of the accounts are commercial, not consumer. 

For XXXX XXXX XXXX to state that it is a factoring company violates : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX XXXX XXXX are not innocent purchasers and not holders. 

1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The operand in this sentence is Any false statement. Any misleading statement. Any misrepresentation. A contradiction is inherently false or misleading and/or a misrepresentation. 

1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. XXXX XXXX XXXX knows or should know that it is not an innocent purchaser and that it is not a holder. 

1692e ( 6 ) ( A ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to lose any claim or defense to payment of the debt. XXXX XXXX XXXX currently has a class action against them because in their affidavits attached to the complaint they claimed to be a " holder in due course. '' They are neither a " holder in due course '' ( abolished by US Congress in 1979 ) nor are they a " holder '' under state laws. They misrepresented the rights and remedies of the consumer and misled the judge as to the true nature of their relationship with the consumer. A judge, believing that the debt collector is a holder, would accept the affidavit as prima facie evidence of indebtedness, rather than what it truly is : Hearsay.

1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. A non-holder can not legally sue as a holder.

1692e ( 2 ) ( A ) The false representation of the character any debt. The debt has been characterized as one that was not in default at the time of purchase.

1692e ( 2 ) ( A ) The false representation of the legal status of any debt. Reporting as a factoring company confers the legal stauts of holder upon the furnisher.

16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
I kept my word and paid my account in full. I had to sell furniture out of my house, pawn my class ring, and borrow money from relatives over the months to pay this collections account. As it turns out, the representative who initially and constantly contacted me was making false threats. Regardless, I paid my debt. What I am most upset about, though, is the fact that I still have n't received my paid in full letter, and neither has XXXX XXXX XXXX. It suddenly seems as if the phones no longer work in the office which once incessantly called me. The day I paid the account in full, I was assured that I 'd get a letter stating such. The said letter has not been received. I called several times and left voicemails. This practice is shady and unprofessional, and I certainly hope it 's not indicative of how other clients are treated. What type of business is unwilling to state its name via phone? I called XXXX and was told that debt collectors on their behalf can not file legal action -- fraud charges ( but this is what " XXXX XXXX '' of XXXX XXXX told me in XX/XX/XXXX ). At this point, I almost feel as if I 've been defrauded.
in short they closed my account and are withholding my money. 
i had an account with chase bank. the account was overdrawn and the bank contacted me to pay them back. i made an arrangement to get the account current by the XXXX of XXXX. on the XXXX i went to the bank to deposit money only to find out that the account had been closed that day and could not be reopened. after the weekend i went to the bank and talked to them about setting up a new account. i made an arrangement to pay the balance that i had and i set up a new account there and i deposited over {$2300.00} into the new account via a check i had received from an insurance claim. they told me the check would take a couple days to clear. account was fine for the first day after it opened. the day that the check was supposed to clear witch was the next day i tried to log into my account and was unable and was given a message that my access to the account was suspended. i called the bank and they told me that my account was closed again and that i would not have access to the funds.she told me it would be XXXX to ten days before i got a money order for the funds in my account. they would not tell me why it was closed or let me take out my money. nobody even tried to contact me about it and now its been past 7 days and i have n't received anything and i am concerned. this ultimately led to my family having a very XXXX XXXX because they withheld all my funds and the bank has not cared at all.
I requested to have a private student loan from  XXXX  /1st Associates Loan Servicing (    XXXX   ) in the amount of {$1700.00} in order to take a  XXXX   XXXX    XXXX   class ( course code :  XXXX  ) through  XXXX    XXXX    XXXX  College. I was enrolled in the course on  XX/XX/XXXX  and approved for the loan through  XXXX  /  1st Associates (   XXXX   )  on  XX/XX/XXXX . On  XX/XX/XXXX , a few days after being approved for the loan, I contacted  XXXX  / 1st Associates (  XXXX  ) and advised them that I decided not to take the course through  XXXX   XXXX  College and that I needed the course cancelled/dropped. I asked both the  XXXX  and 1st Associates (   XXXX   ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the  XXXX  and  1st Associates  (  XXXX  ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with  XXXX  and 1st  Associates (   XXXX   ),  but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around  XX/XX/XXXX , I spoke to  XXXX   XXXX , Collections Supervisor at  1st Associates Loan  Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to  XXXX . I spoke to  XXXX   XXXX , Admissions Representative with  XXXX  as instructed by  XXXX   XXXX . I explained to  XXXX   XXXX  that I spoke to him in  XX/XX/XXXX  and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with  XXXX   XXXX  in  XX/XX/XXXX , I was told by  XXXX   XXXX  that  XXXX  do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither  XXXX  or 1st Associates is willing to make right on this issue. It seems as if  XXXX  and  1st Associates is  operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.
XX/XX/XXXX I was solicited online while I was making an airfare purchase that if I opened a Chase United Mileage Plus Explorer account I would save XXXX off of my first purchase. I opened this account with the understanding I would receive a XXXX statement credit after my first purchase and may take up to 6 to 8 weeks to reflect on my statement. After the 8 weeks, I still had not received the credit I emailed Chase, I included a screenshot of the promotion that was solicited to me and was told they do not have that promotion and that I signed up for something different.

After looking up reviews of this promotion I had found MANY other credit applicants who also had not received their promotional {$100.00} statement credit. Chase has done a bait and switch on many people applying for this Mileage Plus Explorer card.
I had a checking account at HSBC that I funded in the XXXX 's. My branch is located in XXXX XXXX, Florida. A few years back HSBC decided to close my account. Upon closing they gave me a check in the amount of over {$100000.00} for the balance in my name. The issue is that they would not wire the money to my foreign account, as I am a foreigner, and when they cancelled my account it made it so that other banks in XXXX will not open an account for me. Therefore HSBC has been holding on to my money for years and refuses even after being contacted by my attorney to wire my funds to me. HSBC can not dictate how I receive my funds, and if they are allowed to only give me a check I may never receive these funds. I have not only lost these funds but the interest and growth from its use so I am substantially damaged.
I recently requested validation of a debt collections listed on my credit report under the company Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX failed to include their physical/true address ( NOT XXXX XXXX ) on the stationery/correspondence form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance whom specializes in the Collection Company general statures, they confirmed that XXXX XXXX  addresses are not an acceptable/approved address to list on any stationery or form correspondence with debtors. 

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
On XX/XX/2018, XXXX XXXX XXXX ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to Charles Schwab, and have yet to see it be reflected in my account. To date I have funded the  account with {$500.00} that appears as deducted from my origin bank account but does not appear in my Charles Schwab account.
I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX
In regards to an account held by XXXX. This account has been removed From my Equifax, XXXX and XXXX credit File in the latter part of XX/XX/XXXX. XXXX continues to reage this account which is illegal. I have no contract with this company and have never received any thing in writing from this company. Also, checked my credit reports today and again XXXX has removed and then again reinserted this account on XX/XX/XXXX ( reaging again )
Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their error.
I have tried to work since XX/XX/XXXX to get this account paid and settled. I have disputed this account numerous times with the credit bureau, i have sent letters directly to SYNCHRONY BANK ( Walmart and Belk ). I got an alert today that says they have just reported an over limit fee. If the account was charged off last year, Why am I still incurring fees? I even called today XXXX/XXXX/XXXX and spoke to a representative who was no help at all, she just proceeded to tell me the account was somewhere else and they legally do n't have any information on the account. If they legally do n't have the account anymore, how are they still reporting a balance? I do n't know what to do so I am asking for help in this matter to get someone to work with me and get some help. I have consulted with legal counsel and see what can be done about them reporting inaccurate information.
Sometime in 2015 a company representing itself as Nationwide Debt Management Solutions began leaving messages on our home phone saying we needed to contact them about an unpaid debt. Suspecting it was a scam, we ignored it. Now they 're leaving messages on the cellphones of my XXXX sons, compounding the harassment. I have refused to call them to discuss anything because if my wife and I owed an unpaid debt, I 'm sure we would have heard about it from the creditor, which we have not. 
I would like to know if this operation is a legitimate debt collection agency, or if it 's a hustle preying on weak and uninformed citizens. 
The call-back number they leave is XXXX.
I wish to lodge a complaint regarding the debt collection practices of XXXX XXXX XXXX. I am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be Capital One ), but XXXX XXXX XXXX is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, XXXX, I sent a letter requesting XXXX XXXX XXXX to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, XXXX XXXX XXXX have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus. 

In addition, a representative of XXXX XXXX XXXX called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.
AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.
I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.