WillisBack/dataset-financial-user-claim huggingface dataset:
IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to XXXX XXXX XXXX.
On XX/XX/XXXX - I received a call from a man named XXXX on behalf of American Express now known as XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX ) XXXX and XXXX. Then the same man called again today XX/XX/XXXX multiple times and I told him that I would reach back to him and that I was on my way to work. He apparently did not listen to me and I have attempted to block him multiple times and he keeps calling me. My mother has had her bank account hacked so if you can understand that a person with a foreign accent calling me about information on my mother, then yes I will be reluctant to disclosing this information to a stranger. 

The person that he was trying to reach was my mother, XXXX. after speaking with my mother, I relayed all the information to her about the calls and she stated that she has currently hired a company to help her consolidate her payments into one. this person asked me for the last 4 of her ssn, and I told him that I will not release that info and then he asked me for the year of her birth. he proceeded to go into great detail about her credit card info and the delinquency of the card. 

I asked him how did he get my phone number and he stated that this info was listed on her account ( TO WHICH IT IS NOT ) she does not list my phone number on her account and no information has been shared except by this man with this company. How this man retrieved my personal cell phone number to reach out to get in touch with my mother. I played along and he fell for all this and then some. 

I did explain to him that he has in fact reached her daughter, XXXX. I clearly told him that my personal info is not listed anywhere on her account what so ever. 

This is not the first time that this person has attempted to contact me and when I told him that I was going to report him and his company for violating a customers rights he didn't know what to say after that. 

I did inform my mother all this info regarding to which she contacted her lawyer and she stated that she has let them know about this violation. 

I clearly told him that my phone number is ON THE NATIONAL DO NOT CALL LIST AND HAS BEEN FOR MANY YEARS. I want to file a formal charge for the harassing phone calls that this man has called on multiple times. I do not answer my phone for strange phone numbers but I had to answer this time.
Navy Federal Credit Union verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that Navy reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by Navy Federal Credit Union. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by Navy Federal Credit Union. 
I need this information immediately, for my background check to move forward.
i demanded that the following account be removed from my credit report : debt recovery solutions account # XXXX
I am trying to get a copy of my " Full Credit Disclosure ''. I am not trying to get a copy of my credit report, I am asking for a " Full Credit Disclosure ''. This includes my credit report and all notes put into my file by Equifax. Equifax is refusing to supply me with this and is telling me I must subpoena them for the information. This is completely ludicrous. The information I am requesting is all of the information that is in my personal file held by Equifax. This is my personal information and my personal file. Equifax refuses to supply me with a copy.
5/3 bank jerked me around on a short sale on my home. They took much longer then promised and caused the buyer to walk. They then offered me a deed-in-lieu. I signed all the paperwork, appraisal was done and received by me stating to go ahead with the deed-in-lieu. Asked for an update in XXXX and was told that it was awaiting HUD approval or denial. Got told yesterday that they had closed my file on XXXX XXXX with no resolution from HUD.
In XX/XX/XXXX, my then fiance and I got a home loan from Countrywide. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. Bank of America took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of Bank of America. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with XXXX  XXXX was part of escrow. Each year, from XX/XX/XXXX to XX/XX/XXXX, the annual homeowners premium increased and Bank of America never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, Bank of America began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XXXX of XXXX, when the home was sold by his family one year after his death. Oh yes, and 1. They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By Bank of America. I am trying to fix this misjustice. My credit is under 500. 3 years of late payments on a  mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. Bank of America should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed
Harassment by Bank of America. Case numbers XXXX ( XXXX ) and XXXX ( XXXX ). Requested that their representative XXXX not to contact me ( phone or visit my house in person ) to sign notarized papers on home mortgage modification. XXXX left written notification at my house ( exact date unknown-notification letter not dated-estimate occurrence between XXXX XXXX XXXX 2015 )
On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point
In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
I am XXXX I have XXXX and live on a fixed income. I have people that care about me. Call nine-one-one when XXXX they care. It 's not my fault that I go into the hospital for days sometimes weeks. That 's part of my illness and I 'm living with that I should not be billed for being sick. That 's the job of XXXX who is my insurance company that needs to pay whatever is left. I 've had XXXX since I was XXXX I am now XXXX years old. There are some days out of the month where I do n't eat because I do n't have enough money to eat because I have so many bills that I have to pay. Everything on this report is XXXX I do n't have XXXX outstanding bill from any credit card company at all. Everything on my report is due to my medical condition. They are all collections from Medical collection agencies.
Equifax Confirmation # XXXX XX/XX/2018 Personal Identification Information : has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no such address. Equifax keeps putting address on my credit file that is not correct now this address just pop ups.

Equifax does nothing but create address for money so they can sell information.
Can not figure out why my score dropped 26 points in 1 day. 

I called XXXX and My XXXX card says my account is in perfect standing!
On XX/XX/XXXX a late fee of {$38.00} was assessed to my account.

On XX/XX/XXXX a refund of the late fee of {$38.00} was allegedly refunded to my account. 
I was told by XXXX of customer service ( onXX/XX/XXXX ) that I still had to pay the late fee because it was already billed to me ; however, my amount due would ultimately show less in the future, providing I made no more purchases. I have not made a purchase from XXXX 's  stores since XX/XX/XXXX. 

I paid {$92.00} to bring my bill current ( all in the month of XX/XX/XXXX) as instructed by XXXX 's  Credit Card Customer Service Rep, XXXX. 

My monthly notes due had been averaging approx. {$27.00} a month ; however the bill that is due for the month of XX/XX/XXXX is now {$38.00}. When I asked, how XXXX determined that my minimum due is {$38.00}, I was told by the XXXX 's Customer Service Rep that their minimum requirement varies. Although I have not made any additional purchases since XX/XX/XXXX, the minimum amount due XX/XX/XXXX of {$38.00} is the " same amount '' that XXXX XXXX Credit allegedly refunded me. I see this as deceptive and a possible violation of fair trade practices, I am not at all comfortable with using XXXX 's Credit Card Service to do business with them!
opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.
I have overpaid a credit card for an account that has been closed by {$1300.00}. The bank has not refunded the overpayment.
Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.
On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.
I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.
Trans Union will not address a item on my credit report. I have had a long battle with identity theft and having XXXX XXXX / debt collectors, XXXX XXXX to agree that these accounts are derogatory and listed as charge-offs from someone else using my account. I contacted XXXX XXXX already asking them why the account is still showing after we agreed that it shouldn't be because it is closed and the representative told me the request was sent to TransUnion to be removed and that was two weeks ago.
I was invited by a girl I met on the XXXX app to join a dating event in XXXX. I added her on XXXX app and encouraged me to join the event. 

I have to pay for a membership fee of XXXX in order to do so. Eventually I did via Western Union money transfer to the XXXX on XX/XX/2018. But after making the membership payment, the so-called admin contacted me and offered me to select a few choices of packages in order to finalize and complete my membership. 

Again, I agreed and hesitantly paid a total of XXXX to the same recipient via Western Union money transfer. I was really having some tough time believing them, to the point that I made my first payment in half - XXXX on XX/XX/2018. Another payment of XXXX on XX/XX/2018. And, made the final payment of XXXX on XX/XX/2018. I have attached all these receipts on this site as well. 

However, after that, they refused to give me any invitation to join an event by making a lot of excuses, and telling me that the girl who is supposed to be my partner is no longer available. I already escalated this issue to the Western Union, and currently investigating, and see if I am eligible for a refund. I am more than willing to help in order to investigate this further so these alleged scammers will no longer harm other people. 

Please take note of the following email addresses they are currently using : XXXX XXXX XXXX ( This person is also on XXXX, and XXXX using the name " XXXX XXXX ''. And " XXXX XXXX '' on XXXX - XXXX XXXX   XXXX ) In addition to this, this alleged fraud unit, is also using XXXX XXXX as the recipient of the Western Union money transfer.
I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.
XXXX  ,2013   XXXX  I have paid this debt off and the company is still reporting on my credit, I would like for this to be removed from my credit. When I made the payment the company said they would remove this from my credit.
XXXX   XXXX  2017    faxed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX    XXXX  ,2017 that  XXXX   XXXX  reported the information as discharged and that  Case number /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the   XXXX   credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,   2017   I sent a reinvestigation request with a letter from Michig an Federal Court stating they do not supply information or validate inform ation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fun XX/XX/XXXX Credit inquires that should not be on my report because I did not authorize them
I have tried over and over for Citi Mortgage to give me a modification, they do n't play fair. I send them the information and they state that they do n't get the documentation and when they do affirm that they have received the documentation, they claim I do n't have all of the or I 'm missing some paperwork. This has gone on since XX/XX/XXXX and this is XX/XX/XXXX four years I 've had to deal with this company, every couple of weeks they change representatives so I have to start over with the paperwork. Each new representative states that I have re-send the same information that I 've already sent in. I have called and called trying to get the HARP, finally they did n't approve the HARP now I have sent in information for the HAMP, this time I sent the information with a content page so they ca n't say I did n't send every document. Now they are starting all over again with new representative and stating they have not received the information/documentation. 
They usually say call them, when I do, you ca n't speak with the person who is the representative on the letter they send. I leave a message but they will not call back. Each time I call I get someone one new. Now, I have had to file bankruptcy because they will not allow me to get an modification to ease the monthly payment. At this point I am tired of contacting them, they are not FAIR with their customers. The mortgage company keeps this up so they can file foreclosure and take my home.
I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!