WillisBack/dataset-financial-user-claim huggingface dataset:
By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.
Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards XXXX
I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. 
How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.
I purchased a XXXX Toyota Camry in XXXX with gap insurance for {$15000.00} using Prestige Financial. I became diligent for a few months when I lost my job and started a repayment plan. They had called all my family, my work, they threatened me by telling me I would go to jail, etc. Until I requested that we only communicate through email. It got better and they were set up to have direct deposit come out of my check as then they contacted a friend a few weeks after receiving my payments that they were to repo my car. It was actually in the process of being shipped from XXXX to XXXX where I picked it up and drove it to XXXX. After a few months and continual harassment, even though they were getting their payments, the vehicle was acting up and the engine started on fire where the insurance deemed it to be totaled. 
After 2 years of payments of $ XXXX/month and then the insurance paid prestige financial directly of {$9900.00} for the total loss, they have now garnished my wages and I received the paperwork that they are garnishing for {$14000.00}. This is totally wrong, I had GAP insurance, I had paid {$10000.00} in payments over the course of 2-3 years and then the insurance company paid them {$9900.00}, which is a total of {$20000.00} for a vehicle that was only purchased for {$15000.00}. 
I have all my emails, gap insurance, insurance from XXXX XXXX XXXX, and payments history that they received from me. I also have several people and family member that they call and harass all the time, making threats, and even calling as an attorney to coarse them into having me call them when I have directly stated that they can only contact me via email so I can keep a record. 
Now most importantly I am having to pay for this vehicle for a XXXX time because they lied about the amount owed. They have used and abused their power. The paperwork I received from payroll states that they served me and I have never been served from them and would request that they show documentation of being served. If I would have been served for this I would have went to court with all my documents to defend myself against their harassing and unethical behaviors. 
I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. 
Thank you for your time and attention in this matter and look forward to hearing from you. 
Respectfully, XXXX XXXXXXXXXXXX
In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank.
I had 3 accounts with Chase. They closed my accounts upon review for 3 reasons. 

Returned payments ( a payment was rejected because I made a payment from a savings account. I was informed previously that I could make payments from the savings account. I was provided misinformation by the company that eventually influenced the closure of my account. 

Credit limit was too high ( I was granted the credit limit by Chase originally and then months later, they decided the limit was too high and instead of lowering the limit or closing less than all of the accounts, they shut them all down. Again, I was given this limit by the company, only to have the company then say that it was too high and that they were going to remove the accounts. ) Not enough credit history ( again, granted the cards by the company only to have them remove the accounts. ) I addressed the savings account issue with Chase over the phone and confirmed that I could make the payments with a savings account. I clearly had enough credit history to acquire the cards in the first place so there is no cause to claim I didn't have enough credit history. They granted me the credit limits at first, have me the cards, and then at their will, chose that the limit they granted me was too high and this closed the account. 

Every reason that my account was closed was due to their negligence and I have received the fallout.
I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in  XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was  XXXX  overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's  collection agent,   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) and in  XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in  XXXX   XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted  XXXX  to find out what happened, I was informed that my account had been sold to   XXXX     XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact  XXXX   XXXX  to resolve this matter and resume my payments but they refused to honor the settlement agreement. In  XXXX , I was contacted by yet another debt collection company,  XXXX   XXXX   XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.
After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Loan 1 in XX/XX/XXXX found XXXX through a mail solicitation. A loan granted to me based on my creditworthiness I was told by the employee who initiated the loan. 
Loan 2 and Loan 3 in XX/XX/XXXX loan were amounts added to loan 1 from XX/XX/XXXX. How, XXXX  habitually sends skip a month, calls, emails, sends mailers, etc. 
At no time was I given a copy of my signed documents only blanks rolled up strategically in a wad in an envelope. 
At no time was I informed that there was any insurance policy issued against items listed on paperwork that I found. The employee asked what kind of household items I have and she herself said : Jewelry? TVs? I had no idea she was selling me insurance nor why she was asking such an obscure question. 
Insurance paperwork was purposely and skillfully hidden in multiple copies of XXXX XXXX XXXX   forms the insurance policy added in the amount of {$1300.00} and rolled in the pages and gleaned over by the employee covering the page with another page. Telling me that there is no credit life insurance. 
Upon calling for clarification, XXXX XXXX XXXX XXXX XXXX policy # to find out what is this insurance. The insurance representative said it shows coverages for XXXX gold earrings, XXXX channel set ring in XX/XX/XXXX then in XX/XX/XXXX XXXX TVs were added. ( It should have only been XXXX TV a XXXX XXXX XXXX not XXXX TVs when asked in XX/XX/XXXX ). In the amount of {$12000.00} it shows there is dual interest coverage, extended coverage, closed ended property coverage form. Further, the representative said that the policy should not have been issued without proper up-front documentation appraisals, photographic evidence, receipts/ dates of purchase, etc. 
The insurance representative also calculated that there is a refund owed to me of approximately {$800.00} to cancel this policy that I did not authorize or want. The insurance representative said that the approximate {$800.00} would go back to XXXX and not to me but towards the loan balance more than unilateral contract. 
I asked her would I have had coverage to repair the XXXX XXXX XXXX XX/XX/XXXX year of purchase. ( XXXX   would not take the TV they do not take DLP TVs and I had to pay the junk guy {$65.00} to haul it away ). The representative said without it having been properly documented at the inception of the policy no claims would have been paid if they were even able to repair the TV. 
The insurance representative told me to call XXXX to get the claim form and the refund form faxed to me immediately. See attached claim form and refund form, the insurance representative explained to me that there is to be photographic evidence, police reports, appraisals, serial numbers, model numbers, receipts of the items listed in order to perform any claims or services on this policy or even issuing the policy! 
I at no time possessed the alleged ring, earrings or XXXX XXXX TVs. I wear costume jewelry and I will NEVER own diamonds I will not support that industry!
Experian has failed multiple times in providing me with the physical and original documents they have in their files pertaining to an alleged medical account ( XXXX XXXX and XXXX XXXX that they are reporting. I have questioned Experian regarding the validity of this account as well as to insure me to me that no HIPAA Law violations were acted upon a numerous of times and I simply receive the generic statement from Experian stating - " The information you disputed has been verified as accurate. '' Yet I have not received any proof as to how they are determining this alleged account to be " accurate. '' It is to my understanding that in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through PHYSICAL verification of the original signed consumer contract of all accounts you request that are being reported on my credit report. Experian has FAILED to do this! 
This law is very clear as to the Civil liability and the legal resources available to me for the " negligent noncompliance '' ( FCRA - Section 617 ) if Experian continues to fail at complying with this federal law.
Bank of America keeps changing my account types without notifying me. I initially signed up for 2 free checking accounts in XX/XX/2009. One of the accounts had a free service ( overdraft protection ), which was supposed to automatically transfer funds into it from the other linked account, in the event it's balance is low. 

The free checking account was changed, without notifying me, to a different checking account ( now referred to as Core Checking ). The free " overdraft protection '' now had a fee for each occurrence, and an additional monthly maintenance fee ( based on the new Core Checking account ) was being withdrawn from my account. 

These fees were withdrawn from my account for about a year before I noticed them. Perhaps it's just me ; I could have sworn that I had never seen the fees show up on my online account as I don't look at my online statements ( I opted to receive only eStatements ). 

I called to ask about the change and was advised that the account was no longer free and the fees associated with the Core Checking account. I was offered a new checking account option " eChecking '' to avoid fees, which I took. 
The eChecking account was online only. It couldn't be used with checks, meaning you couldn't write a check to someone from the account. 

Just this month, I got charged a monthly maintenance fee on the same eChecking account. Good thing I caught it on time this time around right? When I called the customer service center to find out the reason for the fee, I was advised that the eChecking account was no longer offered and they had defaulted me back to the Core Checking account - again, I wasn't notified of the change. 

I believe this is a standard practice for BOA. They probably make these unannounced changes, on purpose, to collect fees from their customers and increase their revenue. These are probably carried out through carefully written algorithms to target certain customers after considering potential revenue they could generate from a particular group of customers. 

I would like this issue to be considered seriously and investigated. I can guarantee I'm not the only consumer affected and used for this BOA 's revenue generation scheme.
I submitted a complaint regarding XXXX XXXX disputing a debt. They responded saying that they requested from the XXXX credit bureaus to remove the debt. 
After receiving the response from XXXX, I submitted a complaint regarding Equifax. I received a response from Equifax that listed the wrong Creditor name and account. 

PLEASE SEE TRANSCRIPT FROM EQUIFAX : ***Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed XXXX XXXX XXXX XXXX account number XXXX has been verified as reported with your Name and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the data furnisher for any additional information. Written confirmation has been mailed to you. *** AS YOU CAN CLEARLY SEE THEY HAVE LISTED THE WRONG CREDITOR ON THE COMMUNICATION ABOVE. WHICH PROVES ONCE AGAIN THIS IS NOT MY DEBT. I NEED THIS REMOVED FROM MY CREDIT! EQUIFAX IS DISGUSTING!
Transunion is showing XXXX XXXX XXXX  with charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. This account also pass the statute of limitation and should no balance.
The first thing was that I informed that I would have partial modification for my mortgage. However when I took my taxes in last year they informed me that they gave me a full modification. Secondly my escrow and taxes for my house went up almost two hundreds. They informed me that this was an estimate for the house for they next year. Two year ago I over paid in my taxes instead of them given me options that made the choice for me which I did not understand why did they asked me I would had put for payment. I can not trust them because I have not seemed the changes in the amount for the outstanding amount. It is always the same I know I have reduced the amount. I have been paying on this house for at least 15 years and they still saying that I old XXXX on this house. This house is not even worth that much. At not time have they as if I was a service man Finally I thought when you getting a modification that you do n't pay they tell me to keep paying until it is final.
I am a single mom of a XXXX year old and XXXX year old that lost her salary paying job a couple years ago. I have been doing everything possible to keep this home that I have had for many years over my kids head but was not able to makes ends meet. I was told I could take out a loan on my home to help build my business and I took the opportunity as my kids are the most important thing in my life. I found this company after dealing with 1 other reputable company that told me I was able to qualify for XXXX at 11.50 % term was 48 months first position, as I was told I had to pay off my 5 % first in order to qualify and it is due on to be paid in full on XX/XX/22. I have missed one payment and they are telling me they are filing a notice of default and increasing the interest rate to above 17 %. I have attached the notice. I was also told before loan docs were sent out that I need to set the loan up as a rental property. So I needed to give an alternate address so they can foreclose on me quicker if I become in default. I am very worried about what is going to happen to me and my XXXX boys during the holidays so I would greatly appreciate any advice I can get.
CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16
I have disputed this account twice with Experian. Once over the phone on XXXX XXXX,2017 and they placed a fraud alert on my file and sent it to the other two credit bureaus to follow suit. A couple of days later they sent an email with the dispute being ready and stated that the company has verified that it was my account and it will not be removed. I started another dispute for Experian to validate and not verify anything. I asked for all documents, contracts that i signed that was used to validate this collection account.and was XXXX XXXX XXXX licensed to collect any debt from me in this state. Once again i did not receive any documents validating any debt that is suppose to belong to me and that is being reported incorrectly and causing harm on my credit.