WillisBack/dataset-financial-user-claim huggingface dataset:
This is my second CFPB complaint regarding this company. I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this INCORRECT information on my report. They have consistently ignored my request for proof and stated that the items were " verified '' and UPDATED and to view my report, when in fact no updates have been made. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Capital One 360 banking apparently uses access codes, to link external apps and users, in order to increase my privacy and account safety. However, none of my other financial tools or account have been able to use any form of connection or access to be able to manage my funds and handle my monetary endeavors due to Capital One blocking the access no matter what security is or is not in place.
Written multiple letters to the creditor and I never received a response nor a copy of any documents supporting that the amount stated was owed by me.
My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.
I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.
I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.
On XXXX XXXX, XXXX and XXXX XXXX, XXXX Bank of America ( BofA ) through their employees, representatives, and third party agents caused to be recorded notices of default and trustee sale indicating the named trustee XXXX XXXX XXXX XXXX ( XXXX ), owned by XXXX and XXXX, an XXXX based law firm, as the mortgagor within those documents. If, in fact, XXXX is the mortgagor, then what does the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) have to do with me other than my occupation of the property as an adverse possessor? 
Based on supporting documents XXXX purchased the XXXX Deed of Trust on or about XXXX XXXX, XXXX believing XXXX bought the property from Bank of America , N.A . but, in fact, did not as the original trust deed has been made obsolete by non-payment. XXXX purchased the right to become Trustee from Bank of America in order to foreclose on the mortgage at a profit as part of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and relationship. XXXX purchase the mortgage loan, ownership rights to the Deed of Trust, and right to foreclose, not the property, possession, or ownership of the Deed and made the purchase without recourse, guarantee, or warranty. Why anyone or a corporation would associate themselves with a mortgage debt without also associating themselves with property possession and ownership is beyond comprehension, but for as part of a racketeering business enterprise scheme and the prior existence of a business relationship. 
On XXXX XXXX, XXXX a Substitution of Trustee was recorded naming XXXX the Trustee. Therefore, Bank of America should not represent XXXX as the mortgagor on both the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) unless XXXX now owns the mortgage. According to XXXX XXXX County Recorder 's Office records, my name is the only XXXX listed on the Deed making me, XXXX XXXX, the sole owner of the property. 
On XXXX XXXX, XXXX I contacted Bank of America, in part, to lodge complaints ( escalated case reference numbers XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX, XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX XXXX and informed Bank of America, their representatives and third party agents, of the fraudulent nature of the NOD and NTS, and requested immediate rescissions of both recorded documents. 
I have been unable to get in touch with the newly appointed single point of contact ( SPOC ) /customer relationship manager ( CRM ) since he was assigned on XXXX XXXX, XXXX. The CRMs I have been able to speak with, including Assistant Vice Presidents ( AVPs ), are no different from those in the past and before in that they have no clue as to the law relating to loss migitation processes. Bank of America just keep on breaking the rules. 
To date, the property has not been sold or bought at Trustee 's Sale or Auction. I have already made a public announcement and claim challenging any right to buy or sell my home. 
All other previously mentioned resolutions are desired. 
I did n't defraud Bank of America. Bank of America defrauded me.
XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders
On  X/XX/2017   , I lodged complaint no.  XXXX  regarding  Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.
I had a leased vehicle Honda provided a payoff for. I paid the amount to purchase a new car. I received harassing calls and letters threatening repossession of my XXXX XXXX which had been turned in to the dealer months prior. Credit report shows amount owed and have been sent to various collections. When disputed previously Honda denied and provided bogus payment history saying amount owed and repossession never sought. The vehicle I did purchase XX/XX/XXXX claim never addressed. That vehicle was repossessed after payment was never applied that had been sent in. Also car was given to repo man at XXXX when car was in garage and he had gone in to verify. I did not know at the time that was not allowed. He threatened I would need to be in court the next morning if I did not give him the car and it would cost additional thousands in court fees. Also said a key fee of {$500.00} would also be charged. I was getting paid in the next 2 days and was going to make my payments I did not know were over 30 days since a payment had never been properly applied. I was told I could get my car back once I made my payment and called Honda. This has caused extreme hardship and affected my ability to find a job since credit checks are a part. Also has created a hardship in securing housing for the same reason.Had I not been lied to I would have retained my vehicle my good standing credit wise and not had to go through undue hardships otherwise. Honda has profited by unduly doing this and continues to seek payments through collection. 

I have copy of payoff, and payment made. Copy of letters threatening repossession which they denied for XX/XX/XXXX. I also have a copy of check sent in which was not applied that resulted in XX/XX/XXXX being late. Also proof of XX/XX/XXXX car picked up from dealer when transferred to another lot in XX/XX/XXXX despite being threatened in XX/XX/XXXX with repossession and charge off.
XXXX HAS COVERED UP AND ASSISTED IN NUMEROUS COUNTS OF LOAN FRAUD. XXXX AND FREEDOM MORTGAGE ARE ALSO GUILTY OF ILLEGAL LOAN ORIGINATION, EMBEZZLEMENT, CONSUMER FRAUD AND MORE. 

IN AN ABSURD CLAIM OF LEGAL INTERPRETATION, INTENTIONAL FRAUD IS WRITTEN OFF AS ACCIDENTS AND THE CONSUMER IS RIPPED OFF WITHOUT RECOURSE INTERNALLY. EVEN MORE BIZARRE, FRAUDULENT LOANS ARE NOW VALID BECAUSE THEY SOLD IT ... ILLEGALLY. 

ATTACHED IS A SETTLEMENT OFFER TO END THIS DISPUTE ONCE AND FOR ALL
JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX
I was able to verify to XXXX that i was XXXX during the dates that accounts were opened. And they removed them from my report. Equifax will not let me log in to direct dispute the accounts in collection. Im assuming this is because of the identity theft.
The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.
Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. 
I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. 
I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. 
I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. 
I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. 
I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. 
Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. 
I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. 
This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. 
I await your response. 
Thanks, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX  and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.
I have a credit card though TD bank called renovate. I was going on vacation and sent my bills out on XXXX XXXX. I received my next statement and they had charged me a {$28.00} late fee. The rest of my bills had all posted on XXXX XXXX. My statement says allow 7 days for payment. Not 7 business days, 7 days. They charged me a late fee on the XXXX. My account stated it was due on the XXXX. It cleared on the XXXX of XXXX. I called about the late charge date and the explanation that if the due date was a weekend, they would drop the charges. How does it take them 14 days to process my payment when my other bills processed in 5 days. This company is running a scam to fatten their pockets. I have now closed my account because of their shady business dealings and now they are probably going to send a bill for the full amount. We wonder why the middle class is struggling. All I wanted was for them to drop the fee and not use my " one time '' fee removal. How many other people have they scammed.
I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.
See below , as sent to EMC Mortgage:
  
XX/XX/XXXX
 VIA FACSIMILE AND FIRST CLASS MAIL
 EMC Mortgage Corporation
 Attn: Payoff Department
 XXXX XXXX XXXX
 Re: Loan # XXXX
  
 Dear Sir or Madam,
 Please note that on XX/XX/XXXX, I forwarded a check in the amount of $XXXX representing payment in full of the above referenced loan based upon the payoff , agreed upon by myself and EMC's Loss Mitigation Department, of $XXXX issued on XX/XX/XXXX plus XXXX days per diem of $XXXX.
 On the date of my closing, I was informed by the Town of XXXX VT that payment was received on XX/XX/XXXX for delinquent real estate taxes for the year XX/XX/XXXX in the amount of $XXXX and payment in full of the XX/XX/XXXX-XX/XX/XXXX taxes in the amount of $XXXX. Taxes were not due to the Town until XX/XX/XXXX. My closing and subsequent payoff of my mortgage took place on XX/XX/XXXX. I was only responsible for a portion of the XX/XX/XXXX-XX/XX/XXXX taxes, as the buyers took title XX/XX/XXXX. Therefore, I enclosed XXXX checks, in these amounts respectively, as reimbursement of these tax payments. However, pursuant to my agreement with the loan mitigation department, no further escrows were to be withheld and no payments made to the Town of XXXX on my behalf. EMC blatantly disregarded this agreement and in turn, what little proceeds I received from the sale of my home were further reduced because I had to send these amounts back to you. I do not refute the payment of the XX/XX/XXXX-XX/XX/XXXX taxes. That was a debt due and owing that would have to be paid in order to clear title. I do, however, refute the payment and subsequent repayment of the XX/XX/XXXX-XX/XX/XXXX taxes with regard to the payoff issued and agreed upon by your company. No escrow payments were listed on said payoff, which I have attached.
 Please note that through further research , it has come to my attention that EMC Mortgage in violation of Vermont Statutes Annotated Section Title 8, Chapter 73, Section 2201, which is appended hereto. According to the Vermont Department of Banking and 
 Insurance, at no time was EMC Mortgage, Inc., nor XXXX., the broker who originated my loan, licensed in the State of Vermont. If this is incorrect, please provide me a copy of said license. Neither entity falls under the exemptions listed for non-licensure, and therefore both are at risk for reprimand, fines and damages in the Vermont Courts should I, or the Vermont Department of Banking and Insurance, choose to file a claim with regard to this issue. The department of banking and insurance is prepared to file a complaint on my behalf. I am requesting therefore that the XX/XX/XXXX-XX/XX/XXXX tax payment in the amount of $XXXX be refunded to me immediately . Should you disagree, please note that I will be forced to explore my legal rights as to the validity of the loan I was placed in by XXXX and EMC Mortgage. As well, I am prepared to file a complaint with Vermont Attorney General and Vermont Department of Banking and Insurance and the XXXX.
  
 Please do not hesitate to contact me should you have any questions at XXXX.
 Sincerely,
  
 XXXX
 Paralegal
I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help me!!!
Yes I was contacted by XXXX XXXX debt collection agency on behalf of Navient On the date of XXXX/XXXX/2017. I was told I was approved for a settlement offer, I informed the representative that due to the holiday I was short on funds available to me and that I could make a payment of 20 % of the settlement in two weeks. The representative was very confrontational for a " professional call  ''. 
At one point telling me that " you can get blood from an turnip if you squeeze in the right place '' and that because I had made this business transaction with Navient that gave her authority to " be in my business. Not only did I take offense to her call but I also felt intimidated with the tone. The caller was at my throat like I was n't the one who contacted them in the last six months, like I was n't the one who made a payment in hopes to settle my debt in the last six months not mention I explained I just started a new job less then two weeks earlier on another call.
Attempted to add my personal TD Bank account to XXXX to fund a USD wallet within XXXX. TD Bank is blocking from using external applications, thus preventing the funding of my XXXX USD wallet from my personal TD Bank checking account.
I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.
XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri through Venture Financial Services Inc., of XXXX, Missouri alleged in a XX/XX/XXXX letter that I owe a debt. I disputed the claim and requested documentation that I am legally entitled to and, I requested that Venture Financial Services not contact me at my place of employment, that they not contact my employer, co-workers, neighbors or relatives. To date, neither XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX, Missouri nor Venture Financial Services has supplied me with the requested documentation. However, Venture Financial Services has made numerous attempts to contact me at my place of employment again, despite being asked no to. The request was made via a certified letter to Venture Financial Services and signed for by XXXX XXXX on XX/XX/18.
I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it!
Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.