WillisBack/dataset-financial-user-claim huggingface dataset:
I applied and was approved for a loan modification with Bayview loan servicing. They messed up the first modification and issued me a second as a courtesy, but did n't notify me of the mistakes. I worked with a housing counselor who was the one to first find out about the mistakes. I made payments toward the 1st trial modification but they told me it was the wrong amount because they gave me a second modification and that amount was higher. So the modification is now void and my house is in foreclosure. Also, my house was damaged and the insurance company told me send the check to bayview. I did. Bay view kept telling me the check was sent to loss and found. Long story short they cashed the check ad lied to me for months telling me they did n't know where it was. Even after keeping my XXXX check ( which was more than enough to keep me out of foreclosure, Im scheduled for foreclosure in less than 30 days. Please contact me I fell this is wrong on so many levels and they are trying to steal my home.
I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.
JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC continue to abuse consumers in the mortgage market by practicing unfair, abusive, or deceptive lending and servicing practices. JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC failed to provide disclosures as required in XXXX XXXX XXXX a ) and the disbursement of money to the consumer XXXX copies of check or money wire transfer receipt for funds disbursed ) at closing. 

CFPB Laws and Regulations TILA " In XX/XX/XXXX, Regulation Z was amended to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices. Specifically, the change applied protections to a newly defined category of " higher-priced mortgage loans '' that includes virtually all closed-end subprime loans secured by a consumer 's principal dwelling. The revisions also applied new protections to mortgage loans secured by a dwelling regardless of loan price and required the delivery of early disclosures for more types of transactions. The revisions also banned several advertising practices deemed deceptive or misleading. '' Refinancing - Section XXXX ( a ) Refinancing - Section XXXX XXXX a ) - " When an obligation is satisfied and replaced by a new obligation to the original financial institution ( or a holder or servicer of the original obligation ) and is undertaken by the same consumer, it must be treated as a refinancing for which a complete set of new disclosures must be furnished. A refinancing XXXX involve the consolidation of several existing obligations, disbursement of new money to the consumers, or the rescheduling of payments under an existing obligation. In any form, the new obligation must completely replace the earlier XXXX to be considered a refinancing under the regulation. The finance charge on the new disclosure must include any unearned portion of the old finance charge that is not credited to the existing obligation. '' ( XXXX ( a ) ). 

Per the XXXX, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC violated the regulations set forth in XXXX XXXX XXXX a ) of this Act in respect to the refinancing of the subject property. The consumer that resides at the subject property was never provided a complete set of disclosure documents by the XXXX, the consumer was not a recipient of the documentation that evidenced the disbursement of funds related to the refinance and the consumer was not present at the closing of refinance. The revisions of XXXX XXXX have banned unfair, abusive and deceptive lending and servicing practices ; however, furthering its predatory lending and servicing practices, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC Filed a Complaint for the Foreclosure of Mortgage and has now rescheduled the foreclosure sale of the subject property for XX/XX/XXXX. 

JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC 's predatory lending and servicing practices should be investigated by the FBI Mortgage Fraud Unit and the Bank and its affiliate should face significant civil penalties.
XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.
I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.
My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?
I have a credit card through Bank of America. I rarely use it ( perhaps 2-3 times per year ) and I would close it, however, due to the way credit scores are factored, due to the fact that it is my oldest credit card, closing it would be detrimental to my credit history. 

This morning I was made aware of a late payment to this credit card, apparently, I have a toll pass setup to auto reload on this credit card. In XXXX it appears as though this toll pass reloaded and was charged to the BOA credit card, I wasn't aware of this. Fast forward to today ( XX/XX/2018 ), I get an e-mail that says " We have lowered your credit limit ''. They lowered it from {$25000.00} to {$500.00}. I checked my credit report and the account is marked as delinquent. My issue is that I have received NO PHONE CALL, NO LETTER and NO E-MAIL PRIOR TO THIS. I have never missed a payment on any account ever in my life, if BOA looked at the account history they will see this. They will also see that I rarely use this card. Due to BOA failure to report a delinquent account and instead forward this only to the credit bureaus, my credit score has dropped nearly 70 points.

I explored how this could have happened, as I have all accounts setup to autopay. Bank of America does not offer an auto payment of a full account balance on their website. Instead all they offer is for me to setup an auto payment of an arbitrary amount every month. This is absurd, every other account in my name ( credit card, cable, utility and so on ) has the ability setup auto payments every month to pay my account balance in full. Bank of America does not.

To summarize, there are two factors where I believe Bank of America is at fault for this detrimental credit report that is now in my history ( which was FLAWLESS u
p to this point ).

1- Failure to notify me of a late payment ( phone, text, physical mail or e-mail ) 2- Lack of technology to allow me to setup an automatic payment every month to pay my balance in full All of this due to a {$40.00} balance, which will surely cost me much more in the future when I use credit products ( via higher interest rates ).
This account surpposeto be close sine XXXX however the creditors been taking money out of my pay check.
I have reached out and disputed with equifax, XXXX, and XXXX  about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
I have been a card holder with Synchrony Financial ( Gap Visa ) for over 4 years. I have always made my payments regardless of my situation. I lost my job and was still making payments after attempting to have them work with me on the payments due to lack of income. They were unwilling to work with me so I had no choice but to make my payments. Prior to my job loss, I had never made a late payment with them. I continued to make payments, even if they were late, the late fee was paid along with the payment. my XXXX 2017 payment was made in the amount of XXXX. When checking my credit report, I noticed a 30 day late payment and called the company, I was told that it was because my bill was XXXX and I only paid XXXX I requested that they remove the late payment in good will for an honest mistake ( after I paid the additional XXXX dollars ). The company refuses to remove the 30 day late and it is impacting my credit score by 100 points. I am unable now to buy the home I was in the process of purchasing for XXXX dollars and an honest mistake. I even paid the entire balance off the following month and they are still not willing to help me even after I have been a good loyal customer for years!
I contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.
Equifax is showing seven derogatory remarks on my report concerning XXXX XXXX. They are reporting my accounts as open, when in fact they were discharged in a chapter XXXX bankruptcy on XXXX  2016.
Being charged a card security fee since card was open in XX/XX/XXXX Wal-Mart/Synchrony Card - Didn't authorize or ask for. I didn't know this fee was being added due to my bills being paperless, and I noticed the bill wasn't going down it was going up monthly and I hadn't used it in months!. I finally examined the bill carefully and noticed this card security program fee and canceled this in XX/XX/XXXX. I would like the fees returned to me and the interest I was charged due to this fee. Please assist me, I didn't opt in for this coverage.
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX, XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XX/XX/18 XXXX XXXX XXXX  XX/XX/18 FIFTH THIRD BANK XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX
I applied for a refinance over 2 months ago and am still do n't know the status from Citibank and they tell you to go online and check status but they do n't update the status My number is XXXX
HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX XXXX
I used my fifth third MasterCard for a deposit with a merchant, the merchant has not provided the service promised. I tried to resolve with the merchant and they were not willing too. I then disputed the charge with fifth third MasterCard because the service was not provided the merchant withdrew from fulfilling our contract. I also made fifth third MasterCard disputes department aware that the merchant has no return or refund policy posted on their webpage where I paid my deposit. To my understanding this is a requirement from XXXX and XXXX. When I spoke with fifth thirds dispute department they confirmed this and assured me they were disputing this charge with the merchant
I have had Bank of America shut off my credit card multiple times, probably XXXX, for no logical reason. I opened up my account 8 years ago in Texas and it became connected to my parent 's account, which is also in Texas. Then, my parents moved to XXXX XXXX, but I still remained in Texas. However, Bank of America continually shut off my credit card because it was being used in Texas, even though I called them every single time to tell them that I lived in Texas and that it was not suspicious activity and that they needed to change my address. Every time, they assured me that it would never happen again. Yet, it happened time and time again. I would be far away in an area that I did not know with homeless people approaching my car and trying to take money from me, and I could not get gas or leave because Bank of America shut off my card again. Last time, I told them that if they shut off my card again without asking me, then I 'm taking all of my money out of the account and moving to another bank and they told me that they would not shut it off again. However, they did about a week later. Then, when I called to say that I wanted to transfer my money and wanted to know the best way to do it, the representative just told me to go ahead and try, but I 'll get fined. She was extremely rude and did not try to rectify the situation at all whatsoever. She did not apologize or care in the least. I am a " preferred customer, '' yet Bank of America shuts off access to my own money time and time again, without reason.
Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.
Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX