WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account.
This complaint is against Bank of America , N.A . as successor by merger to Bank of America , Home Loan Servicing, LP, as successor in interest to Countrywide Home Loans Servicing, LP ( " Bank of America '' ) for numerous violations of 15 USC 1692. Bank of America has violated the Fair Debt Collections Practices Act ( " FDCPA '' ) by among other things, its unlawful collection of debt when it had no contractual authority to do so while falsely purporting itself as " Servicer '' of the Mortgage loan ending in XXXX. Additionally, at least as early as XX/XX/XXXX, the Note and Mortgage the subject of this complaint were rescinded by the Mortgagor pursuant to 12 CFR 1026.23 ( d ). Despite the void status of the Note and Mortgage, Bank of America continued its unlawful collection actions and fraudulently attempted to transfer " servicing rights '' to the Void Mortgage to another company on XX/XX/XXXX 

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached.
Wells Fargo Bank sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
My checking account became overdrawn due to an error on my part. I understood that I would get charged a fee, which I was for {$36.00}. No issue there. But the problem occurred when I continued to get charged {$36.00} for the same item. I was originally charged {$36.00} on XX/XX/XXXX. Charged again on XX/XX/XXXX. Again on XX/XX/XXXX. And again on XX/XX/XXXX. When I called the bank ( BB & T ) I was told that the same item had been submitted on four separate occasions and that I would get charged a fee every time it was submitted. Keep in mind, I have no control over how many times the item gets submitted. BB & T would not credit back any of the fees for this item, so I ended up paying {$140.00} in fees for an item that totaled {$110.00}. Emailed BB & T on multiple occasions and the answer was always the same, they will charge a fee every time it is submitted. This is really unfair to the consumer, as the consumer has no control over it. Yes, I did make the initial error, but after that it was out of my control and BB & T just kept ripping me off. Please help.
Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.
First, thank you for your assistance. 
Last fall we were victims of the two hurricanes that struck the XXXX and sustained substantial damage to our home, requiring us to relocate for seven months. At the onset of this disaster I contacted my mortgage company to discuss financial options. I was told that due to the calamity that we could be placed in a forbearance to allow additional resources to be committed to our recovery. I was also assured that the payments that would be deferred would not simply become due all at the end of the forbearance, as I specifically asked the question during this discussion. Had I been told that modifying the loan to add deferred payments to the end of the agreement was only an option and or that it was possible that I may have to pay all deferred payments back as a lump sum, I would have declined this offer in lieu of continuation of my monthly mortgage. Subsequently at the end of the forbearance period I resumed my monthly payments and have not missed any. I submitted an application for modification of my mortgage agreement and have had to submit multiple documents for this package to be termed complete. Several time I had been told it was completed only to then get another request for more information. I am still awaiting the determination of the application and now have been placed in a foreclosure status with the deferred payments being referred to as delinquent. I vehemently disagree with this terminology and foreclosure status as I have not MISSED any mortgage payments! I have been called by my personal lawyer stating that he has noticed a listing of my house being in foreclosure status in the public record. So now, not only is this inaccurate description of my account distasteful but publicly disgraceful. The effects on my credit are an issue of concern as well! All of this is compounded by the unavailability of anyone in the supervisory role of my account to even discuss this issue, despite my requests to speak to such party. I have followed all of the instructions that I have been given in the aftermath of what should have been the disaster, this financial wake is proving to be even more burdensome than the storms.
Carrington Mortgage Services , LLC Re Account # XXXX ( Part of 1st Letter sent Carrington ) Back around XX/XX/XXXX. 
Have many a few calls to your customer service # and they have been No help explaining Per your statements it appears you have charged us in XX/XX/XXXX, {$870.00} for a Property Registration Billed. Please why have we never been charged anything like this since the loan originated in XXXX? Why is that XXXX County Assessors office have a record of it. If not them Why was it not filed with the Clerk of the Court, I saw no record there either? This a fee appears only to be charge for Vacant Land ' -- -Then in their response of XX/XX/XXXX [ Based on County Records the property was vacant XX/XX/XXXX thru XX/XX/XXXX ] but then charge us in excess of 5 years later. I contacted the XXXX Property Assessors Office again and they stated they have no record of this or any fee received. He did stated is that was true they 1st remove my Homestead Exemption which they did not I have all those reports to prove that. I also contacted Clerk of the Court again and still no records. I also contacted local utility and though they can see I have continues service if I was the individual I need to come in main office to get those.
1.I re certified income on XX/XX/XXXX 2.I followed all directions on application/submitted extra payment information 3.XXXX stated they needed explanation to state exact income ( I do not have exact income ) 4.I followed the directions from customer service and submitted another letter immediately 5.Customer service then said I needed to create company logo and submit on company logo letterhead. I paid {$99.00} for logo and gave same day 6.Customer service then said letter needs to say " business owner '' and not " sole proprietor '' because it confused them 7. I then received notice my payment was almost {$700.00} even though I am a single mother of 3 and do not make this much XXXX. Customer service stated " sorry, our departments do not talk to each other. please just resubmit '' I did immediately. 
9. XXXX added over {$20000.00} to my loan for interest because the resubmitted application I submitted due to their mistake, is not " late '' 10. XXXX stated there was nothing they can do, so they used income from previous year. 
11. After no less than 20 hours on the phone, XXXX recalculated my income and payment was now {$130.00}. 
12. XXXX stated there was nothing they can do, I have to pay the {$700.00} or add it to my loan balance because " the computers will not let me update from previous month '' 13. I filed complaint. 
14. XXXX LIED and told you I never submitted the application XX/XX/XXXX 15. Complaint filed again. 
16. XXXX made excuse after excuse as to how this was MY fault now and I needed to pay or they would ruin my credit even though my XXXX was less than XXXX. 
Excuses included : 1. income submitted was too old ( less than 2 weeks old at time of application and more than required included ) 2. The initial letter was not typed ( nothing on application states this ) 3. The payments were not on set bi monthly schedule XXXX there is no law that states income payments must be set. I explained I was a contractor and was paid when I received work. ) Application does not state this requirement. 
4. Updated, late application did not have a " wet '' signature. 
( original application turned in XX/XX/XXXX contained a " wet '' signature only changed to typed when XXXX requested it. 
17. I send multiple emails and made multiple calls requested for XXXX to point to the section on the application stating any of the requirements they insisted I violated. I requested they how me what I did not included that was listed on the application as needed. THEY COULD NOT SHOW ME. 
18. At this point, XXXX became hostile and demanded I pay the {$700.00} now, add it to my loan, or they will ruin my credit. 
19. XXXX did take off the $ XXXX they illegally placed on my account, however ruined my almost perfect credit and have now cost me my practice I just opened. I can not obtain the business loan I was seeking due to this fraudulent remark. 
This was done in retaliation for them being made to take of the XXXX.
This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan
From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''
I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.
HAD THE TARGET RED CARD FOR A WHILE NEVER GOT A CREDIT INCREASE AND TARGET SAYS I CANT REQUEST AN INCREASE THEY HAVE TO OFFER IT TO ME
This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion.
On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.
XXXX XXXX XXXX MUST RE-INSERT MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX AND FURNISHERS ARE IN VIOLATION OF THE F.C.R.A. 15 U.S.C. SECTION 1681g and ALL OTHER CREDIT FURNISHERS LAWS.
On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.
XXXX years ago we filied chapter XXXX our house was not included, we got a divorce, our son moved in the house, XXXX years ago citifinancial stop receiving a payment, told my daughter in law they was receiving a payment from bankruptcy courtcourt, I told her it was not included in bankruptcy, well XXXX months later, bankruptcy is over, citifinancial is demanding XXXX or they going to foreclosure on the house, citifinancial says no payment has been made in XXXX months, you ca n't talk to XXXX person every time she calls you get a different person and a different story. It 's very frustrating, my ex husband went to see our attorney that did our bankruptcy we had XXXX unsecured loans that we believe they have attached to the house loan and maybe that XXXX in the amount of XXXX unsecured loans. Attorney was no help he wants my ex to file bankruptcy on house.citifinancial says they have till XXXX XXXX to pay XXXX then they will foreclosure on house, they said they do n't have to run it in paper they own it and its there 's, they have been really nasty to my daughter in law about this. I feel someone at citifinancial messed up now trying to get there mistake corrected is the problem.XXXX years into our bankruptcy I got XXXX months behind, citifinancial sent us letter, attorney, and court, they was going to take us back to court have bankruptcy lifted so they can foreclosure on house, I had to pay XXXX payment a month for XXXX months to get caught up, so why did they wait XXXX months, it makes no sense. Citifinancial ca n't answer that question, someone messed up at citifinancial and now we my son might losshis house. Please help us or lead us in the right direction on what to do.
On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated.
Hi, I have started receiving a letter from Dynamic Recovery Solutions indicating the current creditor is " XXXX XXXX XXXX XXXX XXXX '', the current account no. is XXXX, and the original creditor is " XXXX XXXX. '' This credit agency is trying to collect almost {$350.00} from me on a very old XXXX XXXX account that I had nearly 15 years ago! I recall paying this account. I have contacted both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX now for months and I am getting no where with either XXXX of these companies. 

When I contact XXXX XXXX XXXX XXXX XXXX they can not provide me with my " original '' account number, and when I call XXXX XXXX they tell me to contact XXXX XXXX XXXX, and XXXX XXXX is unable to pull-up my account with my social security number. 

I have a good credit score and I do not want this going on my credit report, but I recall paying this, and also due to how long ago I even had this account, I feel the statute of limitations has run out. 

Please help me! I am getting no where with either XXXX of these companies and as I mentioned XXXX XXXX can not even locate my account. I feel as if my cell phone record with the company has been purged due to how long ago I even had a cell phone with XXXX XXXX. 

I have disputed this charge with the credit collection agency ( e.g. Dynamic Recovery SolutionsXXXX ), and now they are sending me a letter stating that I have 60 days to prove I paid this account. 

I have no bank statements indicating I paid this account because I have not banked with anyone in the state of Alabama since XXXX, and I believe this account was closed in XXXX or XXXX. I now reside in Ohio. 

The contact information for the crediting agency that is trying to collect on this old account is : Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX Phone number : XXXX XXXX However, it also states on the letter that " XXXX XXXX XXXX XXXX XXXX '' is now the current owner. The customer service phone number for XXXX XXXX XXXX is XXXX XXXX XXXX XXXX, and a website listed on their letter is XXXX 

Please help me with this. I recall paying this XXXX XXXX account in full, but XXXX XXXX is unable to pull-up my account because the account is so old, nearly 15 years ago is when I had a cell phone with XXXX XXXX. Both companies are not communicating well with me at all. Since XXXX XXXX can not pull up my account, I have no way of showing that I did pay this bill. I have no bank records because I have not banked with an Alabama bank since XXXX. I am now living in Ohio. 

Again, I feel that this account is too old for anyone to try and start collecting on it. Has n't the statue of limitations ran out? And even if I did n't pay this bill it would have winded-up on my credit report and dropped off by now. Can someone legally put something back on my credit report once it was on there previously for seven years and then dropped off? But again, I remember paying this bill in full. I 'm just trying to think of all scenarios possible. 

Thank you very much for your assistance. 

Sincerely,
I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. Thank you
I obtained a care credit account for XXXX, immediately after I was incorrectly charged by another physician, I contacted them to let me know, at the time they told me I was responsible for this charge and would have to settle it myself and make payments before I defaulted. I made payments and got the charge cleared off on my own. I was never credited for this and charged interest and late fees. Fine whatever I paid, I then used it for its intended purpose and got XXXX I needed badly. Well the XXXX office had a hard time charging them because I never actually received a physical card. 
So I am paying and I receive a notification that my account was sold to XXXX. I call them to try to fix this mess and they send me to a XXXX credit collection agency XXXX XXXX. I call XXXX multiple times during the days and left messages to try to resolve this issue to no avail.