WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased this home in XXXX with XXXX XXXX as the loan servicer. Some time later the loan was sold to XXXX Mortgage and later to Midland Mortgage. Every since Midland Mortgage got the loan I have been having issues with everything from just rude people to getting lender placed insurance. At first Midland place an insurance policy on the home for the then balance of around {$30000.00} dollars. In recent years I was told that they had to place lender place insurance that would insure the replacement cost of the property - roughly {$140000.00} even though the loan balance was around {$20000.00} at the time. The reason Midland placed the lender forced insurance is because the insurance company I had insurance with canceled my policy stating that I needed to put a new roof on the home. I purchased a new home in XXXX of XXXX and could not afford to do repairs on the midland financed home. Around XXXX of XXXX, the tenant that I had in the home relocated to another state and I could not get someone else to rent the home. I started getting behind on the property and have not been able to get caught back up. I have gone to Midland so many times since then trying to at first do a short sale and then a deed-in-lieu. At first Midland would not approve the short sale because they said that the house had been rented more than 5 years during the term of the mortgage. I contacted the XXXX about this and they told me to ask Midland to do variance. But when I went back to Midland and told them what the XXXX told me, they miraculously told me that the short sale was approved and that they would be letting me know what short sale price they would accept. About a couple of weeks went by and they then told me that the short sale could not be completed because there had been damage reported to the home and an insurance claim was open on the property. I was later told that I needed to complete or have a contractor complete the repairs with the insurance check that was sent by the insurance company to Midland. Also I needed to pay a {$1000.00} deductible. I asked Midland if they would just apply the insurance check to the balance on the loan and let me try to sell the home on the short sale basis. Midland told me that I would need to either fix the damage and apply the insurance check toward the repairs ( plus pay the {$1000.00} deductible ) or figure out a way to sale the property and pay the payoff balance minus the amount of the insurance check. I was excited about the second option until when I received the latest payoff which has new fees of {$5500.00} that I do n't know what for. 
Now I am stuck with trying to sell a house that appraised for {$6500.00} recently and payoff a Midland payoff amount that has mysteriously increased from {$9000.00} several months ago to {$16000.00} payoff now. Lastly Midland stated that the deed-in-lieu was not an option unless I choose to fix the property damage. They said that if I choose not to do either of the options above, they would proceed with foreclosure!
I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}
XXXX Mortgage paid off by XXXX XXXX/they requested pay off amount from Wells Fargo ( XXXX 2015 ) WF gave them a figure, check was issued, then WF called back to XXXX XXXX and said they needed additional money to pay off debt - XXXX XXXX sent second check in the amount requested - paperwork submitted shows account with XXXX balance. Then in XX/XX/XXXX an automatic charge appeared on my checking account for what was the monthly payment ... I challenged it with my bank XXXX XXXX XXXX, provided them my documents and they supported myclaim and refunded the money taken by WF. Then WF tried to debit my account again in XX/XX/XXXX - same procedure, challenged with my bank and they again agreed and the charge was reversed. Now WF calls this house 3-4 times a day, we have tried to block the number but they must be using a different number than what is showing on the caller id ... ..We can not get them to stop ... they call at XXXX XXXX every day, including week-ends, call later in the afternoon and at night ... .Have even answered once or twice trying to explain why we no longer owe this amount ... .they continue to call ... .we need help stopping this harassment.
I reviewed my recent credit report and there is an account being reported by XXXX XXXX, original account was XXXX XXXX in the amount of {$1900.00} and I am the victim of identity theft. I have tried to resolve this issue with the bureaus and only XXXX  has removed this fraudulent account. I reported the identity theft to the FTC and made a identity theft report, and the FTC report # is XXXX.
I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.
went online to XXXX and it asked me about a loan made in XXXX 2014 that i neither recall or made. i cant get any credit reports form the XXXX major organizations. suspect fraud.
A company from phone number XXXX called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this. They lied about being a law firm as well.
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. XXXX just added " OK '' for every month until present date to the XXXX account closed since XXXX Original date of age off was XXXX in XXXX now age off date is XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015.
On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.
XXXX XXXX XXXX contacted me about credit card debt that doesn't belong to me. They have not provided me with information on where the charges came from and even called my husband who they say is not on the account and gave him all the information like account number and amount owed and tried to get him to pay this. They say it is from 4 years ago and they are just contacting me
I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.
trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.
I started to process of getting a mortgage for a new home and was pre-approved by AmeriSave Mortgage Corporation. I used this pre-approval to make an offer to purchase a band new home and then sold the home I was living in. AmeriSave Mortgage Corporation ensured me that everything was going smoothly and that they would have me approved well before my closing date. They ordered an appraisal of my new home that came back slightly higher then the selling price. About 3 days later I get an email from the loan processor XXXX XXXX stating that the underwriter had asked for a filed report and that came back with a lower number then asking price. According to the XXXX XXXX  Appraisal Guidelines there is no reason why this should have been done. At this point I need to scramble to find a new mortgage company who does follow the guidelines or have my family be homeless until I can resolve this issue. This company has cost me my due diligence money and wost yet possibly my families dream home.
My loan was transfer from XXXX XXXX XXXX to nationstar. Ever since then nationstar keep denial our modification. They said it 's fraud paperwork. I and my family lived in this home since 2007. They ask us to verify our residency, but keep denial even though we supply them whatever they need. My loan number is XXXX,. Please help me.
Bank of America is guilty of conducting Trustee 's Sales without the authority to do so. In this instance, Bank of America has failed to secure the XXXX Grant Deed with the subject property. Therefore, Bank of America and the current trustee, XXXX ( XXXX ), can not collect any existing debt through the sale of my home and private property. Furthermore, while there is evidence of an existing Grant Deed of XXXX through a recorded document, neither myself or Bank of America have been conducting transactions under ther terms of the XXXX Deed of Trust. Therefore, no default can be had or may be claimed on the XXXX Deed of Trust. Just to be clear, neither Bank of America or XXXX hold the power of sale under the XXXX Trust Deed in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) has been associated with and recorded. And now, from this point forward, Bank of America and XXXX can not claim ignorance as to this fact and any action from this date forward will be fraudulent in nature and scope as well as evidence of a Racketeer Influenced Corrupt Organization ( RICO ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Trust Deed ( Deed of Trust ) is a written instrument by which title to land is transferred to a trustee as security for a debt or other obligation. 

Uniform Commercial Code Financing Statement ( UCC FINANCING STMT ) is a mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. 

Trustee 's Deed is a Deed given by the trustee when property is sold under the power of sale in a trust deed. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America ; Bank of America defaulted on me!
Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine.
RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. 

This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.
On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.
The information far as my name and address that is reporting on my credit report is not correct. The correct spelling and address is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as the other names and address is incorrect.
Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself.
I sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
I purchased a vehicle about one year ago around XXXX ... .. I was sold a vehicle from a used car dealer named XXXX ... .. I gave them XXXX down for a 2008 XXXX XXXX .... What XXXX XXXX did not disclose was he had obtained an title loan on the vehicle ( FRAUD ) ... .... To make this long story shorter ... .. He never paid the title loan back & the car has a lien on the title but yet he was able to get me financed through Mark 1 Finincial ... .. Now from what I know now mark 1 should have did a title search to make sure title was free & clear ... .. I do n't know what they did but I am now paying a car note on a car that has a lien on it ... .. Mark 1 told me they would take care of the problem and to continue too make my payments on time ... ... That 's was about 4 or 5 months ago ... ... Last Tuesday they told me they would not be able to help me & that I would have to figure it out on my own ... ... It 's to my understanding now that whoever has the first lien on the car has all rights to the vehicle ... .. So that would mean the title loan company has the rights to the vehicle & mark 1 has none ... ... So I would like a full refund of my money I 've been paying the last 11 months ... ... They want me to pay off a loan for nothing ... ... They ca n't produce clear title if I pay off the vehicle