WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I have been a citizen bank customer for three years, I enjoy most of my business and I can book with this company from a wide range of locations in my area or there Saturday hours are there reason why they had kept my business this far. But on Saturday XX/XX/2018 I make to wireless Deposits from my supplemental income or XXXX in the amount XXXX with my direct deposit from my employer after a few withdrawals I had XXXX I deposit the money into my account before XXXX  because I had problems previous about deposits not going into my account because they update there systems. I made sure my deposit was complete and was added to my account by logging in to the mobile app after checking my balance I rest assure that all my funds were in my account. But the next morning on Saturday XX/XX/XXXXmy account was about hundred dollars off I thought I missed Calculated What are spend. And we just keep an eye on my account I even transferred any money that was for bills and select second checking account so I knew what I was spending on Monday I seen all of my withdrawals were Set up and nothing was pending or on hold so I transfer my money back into my count as well as made a {$360.00} deposit cash the ATM but again the next morning my account Was lower than expected but the posit that I had made less than 24 hours  ago had a balance of {$100.00} lower than yesterday nothing was pending or should have been taken out of my account I waited for the banks are open I want to live in citizen bank on XXXX and XXXX XXXX XXXX I was humiliated made to look like a liar or a fool They tried to convince me that I spit something or something was still pending and was talking out of my account I try to explain to him that I had set the mobile app as well as my balance and what was in my account did not reflect the deposit that I made yesterday I asked for answers no one could give me any. I can home call the XXXX number and went over the Conversation once again the Agent could not explain to me where my money went I even spoke to a manager I try to explain that the mobile app it will show what has been withdrawn And the balance will reflect it but theres no purchases Or anything on hold Infacted I only made a mobile deposit in the last 24 hours they told me the could see any withdrawals so the only possible answer is the app was wrong about my balance
XX/XX/XXXX  Court Case of Bank of America vs.   XXXX   XXXX    Superior Court,   XXXX   County Compliant : Bank of America received a false money order cashed on my Bank of America Account number :  XXXX . AKA " MONEY MULE '' FRAUD. The money order was explained and proved to be in court a fraudulent money order, that I was the victim of a   XXXX   XXXX    Job and was given false instructions as a scam job victim. Being the victim of a scam job, and unaware I cashed the money order and was found to be responsible in court for the money order.
The judge ruled in favor of Bank of America, and gave them the judgement of my savings account in the amount of {$400.00} and a closure of my account. Until further notice. Stated I no longer owed them any money and that I would be able to establish an account at a later date.
I have not been able to reopen a account with Bank of America since  XX/XX/XXXX . As this is not correct as the representative in court stated that I would be able to reestablish a Bank of America account at a later date.
Recent situation : I have recorded my recent situation with Bank of America as this has occurred numerous times and I have found Bank of America fraudulent in their customer dealing and will not cooperate with the regulations of a banking institution.
I have contacted the Risk Department on numerous occasions.
The Bank of America staff have told me the Risk Department will close my account if established.
I have discussed with the Risk Department and   XXXX   XXXX  .
  XXXX   XXXX   has no record of Bank of America in their system ; meaning that account was not reported to   XXXX   XXXX   by Bank of America Corporate.
I have contacted the Risk Department for a letter of denial.
They have sent a letter of denial stating to re-contact them based on a appeal of the decision.
The Bank of America Risk Department has given me the direction to a " Marketing Override ''.
The Bank of America staff at the banking branch refuse to perform a " Marketing Override '' I have recently appeared at Bank of America Banking Branch   XXXX   XXXX   CA.
 XX/XX/XXXX . And this is how I was treated. I have uploads of the conversations and my check system report as e-discovery.
  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  US E-Discovery : -Risk Department Marketing Override Recording.
( call-channel1- XXXX   XXXX    ) -  XXXX   XXXX   Reports ( 5 ).
(   XXXX   XXXX   Report 1.pdf ) (   XXXX   XXXX   Report 2.pdf ) (   XXXX   XXXX   Report 3.pdf ) (   XXXX   XXXX   Report 4.pdf ) (   XXXX   XXXX   Report.pdf ) -Conversations with Bank of America Staff ( 6 ).
( Bank of America Representative 1.M4A ) ( Bank of America Representative.M4A ) ( Bank of America Supervisor 1.M4A ) ( Bank of America Supervisor 2.M4A ) ( Bank of America Supervisor 3.M4A ) ( Bank of America Supervisor.M4A )
I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.
I did not authorize an increase in my insurance premium filed a claim for {$760.00} ; I have to wait 10 days per bank also there's an unauthorized {$140.00} against my account had to file another claim with an out of country service company in XXXX
I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume the loan and be added to the mortgage note and it is becoming concerning. They are also not providing their reasons for denial in writing so transparency is an issue. Assumptions department is verbally implementing " due on sale clauses '' that may not be allowed in loan assumption processes in cases of divorce or inheritance of a property. They are offering alternative products such as a loan modification with a simultaneous assumption as a way to assume the property but Wells Fargo knows that given the nature of the loan being assumed, a loan modification will automatically become denied. The loan is a MBS loan ( mortgage backed security ) loan which does not have a permanent loan modification. It is unclear why Wells Fargo continues to give me this run around and delay tactics. A lack of transparency, a lack of clear communication and trust is a high concern. I am seeking support in the loan assumption process as a successor in interest in the property to be added to the mortgage note applicable with all regulations that include exemptions for due on sale clauses for successors in interest in cases of divorce or property inheritance.
Diversified reported me for a debt that is not mine and reported me at an address that is not mine. They refuse to remove it. I only found out about this because my credit score went from XXXX to XXXX. The fraud account is for {$320.00}. They are willing to cost me money over their fraud because now my score is low. I was never contacted in anyway about this.
I contacted Capital One in XX/XX/XXXXabout some fraudulent activity on my account. Nothing was addressed until XX/XX/XXXX when I filed a complaint with the CFPB. Through the investigation, the credit card company credited my account for the purchases made on my account. In XX/XX/XXXX, the CFPB received notification from Capital One that they had granted me monetary relief for approximately XXXX which would cover the amount of fraudulent transactions. The CFPB believed the complaint to be settled and closed the complaint. There was neither any explanation nor indication that any of the previously credited money would be returned onto my card. 
Reference number : XXXX Capital One received payments from two different bank accounts not in my name and not controlled by me. They confirmed and approved the deposits which made it appear that the account was active, up to date, and able to be used. Three months later, after the purchases were made, the deposits were returned. It is not my fault that Capital One did not do due diligence and accepted monies from what were presumably stolen bank accounts. Had Capital One not approved the deposits, the purchases would not have gone through. There was no indication that there was anything wrong with the account until the payments were returned in XX/XX/XXXX.
I have been disputing several unauthorized inquires with Transunion since XXXX XXXX. As of this date they have intentionally failed to provide the evidence required by Federal Law to provide me PHYSICAL EVIDENCE that I gave consent for Transunion to perform the following Inquiries ... 
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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. 
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. 
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. 
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. 
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. 
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. 
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. 
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. 
Regards, XXXX XXXX XXXX : Ocwen Mortgage
I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.
I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, TransUnion and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
A JUDGMENT WAS ISSUED FOR THE DEBT, BUT THE COLLECTION COMPANY HAS NOT BEEN ABLE TO VERIFY THAT IT WAS ME.
I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.
XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.
In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title.
To whom it may concern : Can you tell me how to get information on my mineral rights that I purchase for my land that my home was located on at XXXX XXXX XXXX, XXXX, XXXX. XXXX.I had XXXX-little checks from the oil and gas while in the house.I went on a two week vacation to XXXX and when I came back the house was broken into by Flagstar Bank.I do not have any information on the company.I want to locate my mineral rights checks and hope it is not going to Flagstar Bank.Thanks for any help I can be reached at, XXXX XXXX , XXXX, XXXX,
I am submitting this complaint because the mortgage company, Ditech, that is the current holder of the mortgage on my house says that I am behind on at least XXXX payments. 
I filed Chapter XXXX Bankruptcy in XXXX, XXXX, as I was behind on my mortgage, as well as on some other bills. At the time I filed the Chapter XXXX, XXXX XXXX XXXX was the mortgage holder, it transferred to Greentree Servicing, then to Ditech Mortgage. 
The Chapter XXXX Trustee paid a total of {$58000.00} to both XXXX and to Greentree on the mortgage arrearages. I have paid all payments since the filing of the Chapter XXXX. When I had completed the bankruptcy, in XXXX, Ditech said that I was behind XXXX payments. 
XXXX payments. I gave them copies of the last XXXX payments that I had made. 
Ditech said they had received those payments. I then created a spreadsheet showing a all of the payments that I made since the filing of the Chapter XXXX. After their review of my information they said the payments that were missing were from XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I provided copies of the missing checks to their local attorneys, XXXX XXXX. At that point they said that I had underpaid some of the payments and that I owed Ditech approximately {$830.00}. I then gave the an updated spreadsheet showing that I had paid the amounts that were on the bills that I had received, and that I had actually overpaid by about the same amount. 
At the point the bankruptcy was concluded, and I thought that all payments had been properly accounted for. In XXXX, I requested an Escrow Analysis to ensure that there was sufficient funds in the Escrow Account as my Homeowners Insurance had recently increased as well as the Property Taxes. The Escrow Analysis show that I have approximately {$3200.00} in excess funds. They said a check would be sent for the excess in about XXXX to 6 weeks. After that period went by, I contacted Ditech to find out when the check would be sent. At that point, they informed me that I was three months behind on my mortgage payments. I sent them all the information that I had previously sent to their Attorneys. They told me it would take about 30 days to do their investigation. At the end of XXXX, I received a letter from them stating that I still owe them three months of payments. On XXXX XXXX, I contacted Atty. XXXX XXXX from XXXX XXXX who had handled the information back in XXXX. 
She was going to contact Ditech to find out what was happening. She has not got back in touch with me. At this point, I need to have make sure that all of the payments that I have made have been properly credited. I have been requesting full access to all the features of the website, due to the bankruptcy I was not able to use them, but now that the bankruptcy is over, they have not given me full access. I also would like to receive the check for the excess escrow balance.
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!
I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.