WillisBack/dataset-financial-user-claim huggingface dataset:
BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.
Despite four mail certified written requests to Equifax credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
On XX/XX/2018, I contacted Citibank NA regarding a fraudulent inquiry made on my credit report for a Sears Mastercard. I spoke with the Fraud Dept, first I was informed they had no record of my social security number on file. I was asked to forward a copy of my credit report which showed the inquiry in question. I followed-up with a letter and again was asked to complete a form with my personal information because they were unable to locate my information. After returning this document, I received a letter the inquiry would be removed from my credit report within thirty ( 30 ) days. 

After reviewing my credit report and noticing the inquiry was not removed, I immediately contacted this company again. I spoke with numerous representatives because again they were unable to locate an inquiry with my personal information provided. I finally was forwarded to a representative who allegedly was able to locate my information. I was told, he spoke with his supervisor and another request was forwarded to XXXX  to have this inquiry removed. I followed-up with a letter regarding this conversation. I received the same letter stating the inquiry would be removed ... with a different date. 

As of this complaint, I have received five ( 5 ) letters from this company stating the inquiry would be removed. And this inquiry remains on my credit report. I have documented all communication with this company as well as maintained copies of all correspondences to resolve this issue.
I was hit by another driver and my vehicle was deemed a total loss. This occured on XX/XX/18. XXXX has been ready to send a check to Chase for XXXX toward the loan but Chase has not reached out and is causing me to make higher interest payments on a loan that should not be this high. I have called them multiple times, as did XXXX to get this resolved but they have not cooperated.
I have contacted GDAX and COINBASE multiple times over the last 6-8 weeks and I have gotten nothing done.Even after contacting the CFPB. nothing has changed, My assets are still locked in the GDAX account and I am not able to access them or have yet to receive any explanation why my assets have been frozen and are unaccessable. I want to know why I am not getting any response and why my account is still locked. I got 2 emails saying they are working on it but nothing has been done in over a month. Can someone tell me whats going on. this company will not tell me what I did wrong or what the next step is. I'm getting completely ignored by them.I want to be able to trade again and I would like my account opened and accessable to the money I put in.
I signed up for a Citibank " Citigold '' account which offered a sign up bonus if I completed certain transactions. I did that, and they sent me a message ( attached ) saying " Upon reviewing your account, I am happy to confirm that as of XXXX/XXXX/16 you have completed all requirements for this promotion. You can expect your XXXX miles XX/XX/2016-statement cycle. '' Despite this, they now claim that I 'm not eligible. Clearly they stated that I was able to receive the bonus. It is totally unacceptable to now change this.
After a car accident I was transported to the XXXX via XXXX XXXX XXXX. The accident was not my fault, and so the other driver 's insurance was responsible for all expenses. The bill was not only paid, XXXX and my lawyer called the debt collector to tell them that. However, I am continuing to get letters regarding this debt. When I called the agency they claim that no one has every called ( neither XXXX or my attorney ) to tell them to take it off.
FEDLoan- I have been XXXX for 8 years. I received a XXXX loan for some XXXX work.FEDLoan is the servicing agency. Although I send the forms in on time for my service year they always find something to deny my application form. example- Principal singed too early ( before the school year was official over ), or I signed too early ( the last days of school are very rushed and we try to get things done early to beat rush ). This date criteria are not stipulated as a problem on their documentation. Also FEDLoan will email me informing me of coming due dates, but will only use regular mail to inform me of their rejections as to prolong lag time between responses, I would assume. How am I going to get a hold of the XXXX? I fulfill my part of the bargain, I want them to fulfill theirs in good faith. 
Thank you.
I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.
Hello, haven't received a copy of my credit report for nearly a decade. XXXX provided XXXX & XXXX  online with no problem. Despite all the correct information including SS # and answers to questions, repeatedly refuses to provide online report and imposing very unreasonable burden of filing request by mail. Many others are also complaining about the unavailability of their Equifax reports online as well.
Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX  XXXX XXXX. The program : Consolidates three modification programs into a single solution.
Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House XXXX XXXX
I have been in contact with SPS multiple times over the past 6 months to try and work out a solution. I asked about a forbearance plan to possibly move the missed payments to the end of the loan and I was told no. I asked about redoing the loan modification and was told no. They only thing they offered was an outstanding repayment plan over {$2200.00} a month. 

My wife had a XXXX last XX/XX/XXXX ( XX/XX/XXXX ) and missed a lot of work and we fell behind on our mortgage payment. I had talked to SPS about this and they did not seem like they wanted to try and work out anything. My wife also had to leave her job in XX/XX/XXXX and find a new job. She did find a new job but, this was 42 days later. This put us further behind. 

We are current {$11000.00} behind and do not want to lose our home or file for BK- no one wins in this. 

I would like some help working this out with SPS and understanding what they are telling us and how we should proceed. 

Thank you
Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.
I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

XXXX XXXX XXXX
After 2-3 years of receiving phone calls from this particular collection agency, I decided to call them and make payment arrangements. about 2 years prior to my calling, I shared with them that the reason why I could n't pay was because I was out of work, with no income due to a XXXX, but the calls continued every day. So on this particular day around XX/XX/XXXX, I called them to make payment arrangements because I was tired of the calls. The young lady quoted a high monthly figure over {$100.00}. I stated that I could not afford that. During this conversation, she used harsh tones that I made her aware of. She then stated that she could reduce the amount to {$100.00} monthly. I told her that was still too much. She stated she could n't go any lower. We had a verbal altercation and she boldly told me that the company had a lien on my house. There after the call ended with a payment due on the XXXX of every month. Around the XXXX of the month, I made a {$50.00} payment through my online banking, they received it XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a phone call from the same young lady stating that I did not abide by the verbal agreement of {$100.00}. I told her that I could not afford {$100.00} monthly that is why I sent {$50.00}. She was extremely rude. About XXXX minutes after that call, I called back, she answered and I asked to speak with her supervisor. I got a voicemail of a male. I could not hear his name because it was n't clear enough. I left a message. Moments later, I wrote a letter to the company about my experience with their rude employee. I then faxed it and sent a copy by certified mail. On XXXX XXXX, 2015 I called back looking for the supervisor but was unsuccessful. On XXXX XXXX, 2015, I received what I call a threatening letter from the company which had no signature. On XXXX XXXX, I received {$50.00} from a friend to pay to make another payment because I did not want them to put a lien on my checking account like I was told they could do. My bank showed a payment date of XXXX XXXX, 2015, so I called the company XXXX XXXX to confirm the payment. The young man said he did not see a payment posted. I then called my bank and it was stated that they mailed the company the check on XXXX XXXX. I called the company back and told them that they should have received the check. The young lady told me they did not receive it and that they do n't control the mail. I told the young lady I believed someone was playing games and to post my check. Words were exchanged. I told her that I sent a fax. She said " We did n't receive a fax. '' I told her that I also sent a letter. She said in a concerning way, " You sent a letter? '' I said " Yep '' she asked " What was in it? '' I told her if my check was n't found soon, I would be obtaining a lawyer. she said " That 's your prerogative. '' I said " When shall I call back? '' she said " In a few days. '' I said " What is a few days. '' She said " Just a few days. '' I said " What is a few days? '' she said " Wednesday. '' I called back on Wednesday XXXX XXXX and was told they received the check on Monday XXXX, 2015.
On or around   XXXX   XXXX   XXXX     someone stole my Bank of America prepaid debit card. Someone stole my wallet in  XXXX   XXXX , CA. I never let anyone use my debit card before. There are no authorized or joint users. I never wrote my PIN on the debit card. I reported my debit card lost promptly to Bank of America.  <P/> I was told by a Bank of America representative someone stole about {$400.00} from an ATM at a credit union. I do not bank with any credit unions and I have no history banking with a credit union. I have no history using non-Bank o f America  ATM 's to make withdrawals ; so I can avoid non Bank of America ATM fees. I told the B of A representative I did not authorize that transaction.  <P/> In less then 10 days, Bank of America closed their investigation and refused to give me back my money. They also refused to give me provisional credit. They said there was no evidence of fraud. I told them all they have to do is look at the  Credit Union  's ATM surveillance cameras to see who the suspect was and that I am willing to help identity the suspect. Bank of America said they do n't have access to non-Bank of  America  ATM 's and can not look at th e Credit Union 's A TM cameras.  <P/> I asked if they made a good faith effort to call th e Credit Union t o ask for their surveillance/ cameras. Bank of America said  " No ''.  The ATM cameras will simply show whoever stole my money was obviously not me. This makes Bank of America negligent in their investigation.  <P/> I requested a re-investigation and I faxed a copy of my Federal Trade Commiss ion Affidavit/ t heft report. Bank of America closed the second investigation before receiving my  FTC Affidavit. (  I told them I would be faxing the FTC rep ort withing 1-2 busi ness days ). This further demonstrates Bank of America is negligent in their investigation ; and are not making any real effort to prove theft.  <P/> Bank of America is in violation  of Federal Regulation E, ac cording to the terms and agreements they sent me stating : " The cardholder will not be responsible for any fraudulent and unauthorized transactions. '' But this is not what the bank is actually enforcing which is misleading and against the law.  <P/> Bank of America made no real effort to prove fraud, and I believe they have an all to common practice closing out investigations early and not actually investigating much of anything.
I was contacted by XXXX XXXX several time in threatening ways to attempt to repay private  student loans that I did not even know I had with them. This was after they began harassing me over my federal loans that I did sign for and had since moved to a new servicer who has been more than fair about my federal loans. 

However, I do not recall signing for any private loans and there are many of them reflecting in my account on XXXX XXXX. ( I was later informed that XXXX was under investigation for fraudulent loan practices. ) And, while I was willing to try to work out any repayment plan with XXXX XXXX that I could afford on Minimum wage, since I never graduated or was even able to get a job in my field, XXXX XXXX  kept threatening me and demanding that I pay them thousands of dollars to them immediately. 

I attempted to get a legal team involved with all this, but have now been informed that they have been taken to court of fraud as well.
Have Parent Plus loans for my son that went to Navient from XXXX XXXX. Payment is very high, they have put me in forbearance many times as I struggle to pay the loans. I asked for reduced payment in lieu of forbearance but they said we make too much money. Instead we added additional charges/ interest due to the forbearance.
I have 4 hard inquiries on my credit report that I didnt authorize with TransUnion. Hard inquiries such as XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and was reported twice with XXXX XXXX ( XX/XX/XXXX ). Also I have two closed that havent been removed which are XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ).
Hello my name is XXXX. since I purchased my property 22 years ago the API was at 9 % too high! & still is. because of the economic issues that been going on and because of my age ... I have n't been able to make my payment on time every month. my only income is my Social Security it 's not that much. No bank wants to help me to do a modification so I can lower my APR. Can someone help me or Direct me to the right person to get some help. My phone number is XXXX thank you in advice!
I received an email for XXXX XXXX indicating that my account was closed with Lowe 's Store card. I haven't missed any payments on the account. I went online and found out that they will close your account when your credit score goes down. When they closed the card it made my credit score go down more. I have read lots of negative review when it comes down to this store card.The card is run by Syncrony Bank that is owned by GE. It is shame how they treat people like that. I would suggest people stay far away from this store card. Very shady practices when it comes to it. The Lowe 's store is great but the credit card is XXXX.
I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..
A response came back from MNET through CFPB. I have reviewed the response made by the business in reference to complaint, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. 
*I didn't ask for validation in my complaint. 
*I asked that the account be deleted in light of the fact that the company failed to validate the account and kept persevering with collection activity despite it. Hence, once again in light of this company 's violation of the FDCPA Sec 809, which gives me the right to pursue this matter in court, I am demanding that the account be deleted or I will pursue this company for the violation
I have made a request in the prior complaint for Santander Bank to stop sending me bills and other communications about this account as well as having the nerve to send me promotional materials for a new account. The loan in question was discharged in bankruptcy in XXXX and Santander provided information to the credit bureaus on this account being delinquent up to XX/XX/XXXX. I have even received a letter from their attorney affirming the bankruptcy discharge. Although I sent copies of the pages on my credit report in question ( as per their initial request ) they now want me to send them a full copy of each of my credit reports as proof of an administrative error Santander clearly should be able to resolve on their end without me sending these documents. 

As of this date Santander is STILL sending me letters and have even gone as far as sending me a communication suggesting that I am due a " refund '' for an inspection done on the property in XX/XX/XXXX  four years after the property was discharged in bankruptcy and likely at least a year after it was purchased from the bank by a new buyer. I view this " refund '' as a tactic to rope me back in to being indebted to Santander once they realize that the refund was an error. I have already made it known to Santander that I am not interested in receiving any money from them unless it is ordered by a judge.
I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ). 
Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}. 
I never received a bill for {$200.00} from XXXX at any time. 
Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.