WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. 
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. 
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. 
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. 
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. 
Thank you for your time and help in advance.
I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!
Fraud charge from my XXXX  credit card to PayPal XXXX for {$720.00}.
In XX/XX/XXXX my checking account at Bank Of America was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Bank of America XXXX times and received the same response each time " there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!!
Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext XXXX XXXX.
I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.
On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.
Financial Freedom LN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  We have requested a copy of the appraisal that had been used to value this property multiple times. We have requested it 3 times directly from the negotiator,  XXXX   XXXX .  Two t imes via email and once via phone call. She has completely ignored our requests.     We have also called in t o Financial Freedom a nd they have outright refused to provide a copy of the appraisal.     Refusing to provide a copy of the appraisal used in a value decision is a direct violation of the ECOA guidelines ( a copy is attached to this complaint ).     We believe there has been valuation fraud on this file, an d Financial Freedom is r efusing to provide a copy of the appraisal, as per ECOA guidelines.     This property is  a Mobile Home on a Cinderblock Foundation and Financial Freedom  is hiding the fact that they have accepted a value on it that compares it to a single-family residential property. The value that  Financial Freedom  has come up with are in line with the market comparables for Single-Family residences in the area. This value is NOT in line with market comparables for a  Mobile Home on a Cinderblock Foundation .     Again, this property is NOT a  Single-Family Residence. It is a Mobile Home on a Cinderblock  Foundation. Any value that would have been arrived at by comparing this Mobile Home on a  Cinderblock Foundation t o a Single-Family Residence is FRAUD.      Financial Freedom  has either  1 ) either committed the fraud on purpose, 2 ) wer e too stupid to review the appraisal, or  3 ) they hired an  XXXX .      None of those are acceptable excuses for  Valuation Fraud .     We believe thi s Valuation Fraud is  being done on purpose to defraud the Federal Government and t he US Taxpayer.      Als o, Financial Freedom is  claiming that the foreclosure auction will take place on  XX/XX/XXXX . We have checked wit h the county and a Notice of Trustee Sale  has not been recorded. Not only that, but the seller died in  XXXX  of  XXXX .  ( See attached Death Certificate. ) T here is a 12 month moratorium on foreclosing on the property of a deceased person. That means the Estate of the Deceased has 12 months to sell the property before the foreclosure proceedings can even begin. The original estimated foreclosure date on this property was in  XXXX   XXXX . That means that  Financial Freedom st arted the foreclosure proceedings in  XXXX , as soon as they found out he was deceased. THIS IS ILEGAL.  Does Financial Freedom  plan to Illegally Foreclose on the property?
On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.
We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!
Bank of America has processed a payment against my checking account without permission. They have refunded the credit to my checking account and now state that I owe them the amount of the credit. My balance is {$0.00} but they are stating that I owe them.

I have bank statements and documentation to back up this claim. I have called customer service to close the account and was hung up on by the representative. I would like someone to contact me ASAP.
A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ).
My daughter XXXX XXXX & I XXXX XXXX jointly own a home at XXXX XXXX XXXX, XXXX IN XXXX. For about 5 years we have tried to refinance for a lower interest rate we get all of the dicuments & necessary paperwork needed to complete the transaction and Flagstar will block it every time. We have asked them to help us lower our rate but they refuse every time. We recently discovered that the bank is saying we owe them {$8600.00}. I have never received any notices about the missed payments they say we owe from XX/XX/2016 to XX/XX/2016. That is a total of 5 months at {$1500.00}. Attorney fees {$650.00} and court costs $ XXXX.I was not aware of this and we have requested a stsement each monthshowing a breakdown of payment, principle, interest, insurance, etc. they abaolutly refused. she even tried to open our account on the website of Flagstar to access our account to see her personal history, she was blocked from that also. What bank allows you to to do this. Im angry because Im responsible for this enormous amount of money they say we owe that I was never notified about. Im XXXX years old, lost my husband 5 years ago and my duaghter is a single mom of XXXX. Flagstar had no answer when I asked them why I was not notified about this. No mortgage company will help us because of their dishonesty. I have other documents that I can share with you. Please let us know.Thank you
During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX  creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the XXXX  account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.
In XXXX, XXXX I was forced to relocate from XXXX to XXXX for my work. I was a single mother at the time and was purchasing a beautiful new townhome for my daughter and I in XXXX. I used the funds from my divorce settlement to purchase the home in XXXX. Before I moved out of state, I secured good tenants whose rents more than paid the mortgage on this home in XXXX. The mortgage was with XXXX XXXX XXXX. 
After my relocation to XXXX, the economy deteriorated rapidly and I was left with no choice but to file a Ch. XXXX XXXX in XXXX. As part of this filing, I surrendered my home XXXX and asked my tenants to move out. 
XXXX XXXX XXXX SOLD the mortgage to Ocwen who then SAT on the house until XXXX! In the meantime, I was sent to collections over and over again for past due XXXX XXXX dues for a property that I could NOT RENT and the bank WOULD NOT sell! 
When the foreclosure was FINALLY completed in XXXX, I was so relieved to be finished with YEARS of harassment and damaged credit that I had been trying to repair. 
I checked the XXXX XXXX XXXX 's office earlier this year and the bank did sell my home to another person in XXXX, XXXX. 
So imagine my surprise when I received a letter dated XXXX XXXX, XXXX from a collections agency for the XXXX XXXX stating that they had obtained a BANK LIEN against me in the amount of {$2300.00}. I was never even served! They do know that I live XXXX and could not have travelled to XXXX to defend myself. 
I have now been forced to retain an attorney XXXX to look into this matter. If I could sue XXXX XXXX XXXX and Ocwen for what they have put me through, I would do so. However, I know I would never win. This situation HAS to be illegal. How can I be pursued YEARS after paying a 5 year Ch. XXXX in full and losing my home in the process?
I reached out to ABILITY RECOVERY SERVICE via phone on XX/XX/XXXX at XXXX XXXX after disputing false charges that they reported on my credit to XXXX, XXXX  and XXXX. I reached out to this creditor to discuss a debt that was reported falsely on my credit three times to XXXX, XXXX and XXXX  in XX/XX/XXXX. The original account was opened in XX/XX/XXXX and removed in XX/XX/XXXX and ABILITY RECOVERY SERVICE re-opened this account in XX/XX/XXXX as a new account which its not. The representative proceeded to tell me that the charges weren't false and that I went to the doctor three days in a row and acquired 3 separate bills for the exact same amount which is XXXX with in those three days. Which is ridiculous. While im trying to explain to the representative that what he is saying is incorrect, he began to speak over me. I told him that i would like proof of these three separate bills with a total of XXXX for each on 3 separate occasions and he hung up on me.
Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.
Hello I have a checking account and a debit card with Citibank When reviewing one of the statements I noticed a charge called " Foreign Transaction Fee '', I looked further and it turned out I was charged XXXXUSD of this fee in total over the past 15 months or so I raised this in the bank 's branch and ask to refund the fees as I wasn't aware about them, they told me that they notify the new clients about the fees and refused to refund it.., but I was never notified about this fee, neither verbally or in writing. Also other banks have never charged such a fee to myself so I couldn't imagine it was possible.. 
Can you please advise what could be my potential next step to try and have this fee refunded? 
If it helps - the Citi bank 's person name who refused to refund the fee is : XXXX XXXX ( Vice President, Branch Manager, NMLS ID : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ) thanks a lot in advance for your kind help with this have a nice day!