WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America broke the rules. Bank of America has defrauded me and the bona fide purchasers of my home and real property. 

In the Bank of America letter of XX/XX/XXXX issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in XX/XX/XXXX and XX/XX/XXXX based on th initial review of RMA applications. The referenced Bank of America XXXX letters are NOT denial decisions on appeal. The referenced Bank of America XXXX leters are, in fact, the required written resolution letters on lodged escalated cases. The XX/XX/XXXX response was issued in resolution of the XX/XX/XXXX CFPB case number XXXX detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The XX/XX/XXXX response was issued in resolution of an in-house esalated case and complaint detailing actions taken on the account to date at that time and is not a decision on appeal. 

Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. 

Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within XXXX Bank of America CFPB complaints ( XXXX if you count the one I lodged against XXXX as a debt collector ). 

All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.
I have applied for car loans within the two-week period through several different companies and several credit checks are showing up as hard credit checks I thought if they were for this same type of credit check light like a truck they are counted as XXXX credit check can you check into this and correct this as soon as possible thank you
Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus
I have an account with Wells Fargo, and I have been trying to get access to copies of checks that have been deposit onto me account ; but the online system only allow Wells Fargo clients to access checks within 90 days of deposit ( most banks allow up to 3 years ).
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In order for me to get online access ( view ) the check details ( such check number ) behind the 90 days, and or go to the branch for the same reason, Wells Fargo charges his clients a fee per every check request. In addition, it will take the clients 10 days or more to view the check that it will be sent via mail. Wells Fargo do not allow his clients to print, download a check behind the 90 days either. In my personal opinion, it 's my believe that Wells Fargo practices are not only deceiving the consumers on what fees they charge ( i.e - my account has no fee if I keep a a minimum balance ; however they will get their money to use such services like get a copy and or view a check ), but as well unfair business practices.. Most banks, such XXXX XXXX, allow their clients to view account summary, checks, print, and download the same up to 3 years ; so why is Wells Fargo does not follow the same rules as other banks?
After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.
My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.
We get repeated phone calls for debts that we have nothing to do with from a company called Global Receivables. I have called them multiple times and asked to be taken off the list and they have refused to stop calling us. The agents are often aggressive, nasty and use profanity. When we tell them we are not the debtor, they ask us if we know the debtor and become even more aggressive. 
I have blocked the phone number, but they just change phone numbers. I have contacted an attorney who is trying to persue a civil remedy, can you helpus with this PLEASE!!! Thank you. 
XXXX XXXX
I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX   which was sold to XXXX XXXX XXXX XXXX.
I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from Onward Credit on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.
On numerous occasions I have disputed incorrect addresses reporting on my Equifax credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
On XXXX/XXXX/2015, I applied for a personal loan through Avant, also known as XXXX. I applied through this lender due to successfully receiving and paying off a loan with them previously. That evening I followed up via telephone to ensure the bank had all needed documents from me ; upon completing my application earlier that day their Web based system notified me that I would receive a response in XXXX hours. During my XXXX phone conversation I was told that no other items were needed from me and I would receive a decision within XXXX hours. ON XXXX I called avant XXXX different times and they gave me a different answer each time as to why the process was delayed. I then grew concerned that my personal information was compromised because I was getting conflicting stories each time I contacted avant. I followed up again on XXXX and was told by a manager " there was a system error directly affecting my application '' but refused to tell me what the issue was. I grew ever more increasingly concerned that the issue might truly be nefarious in nature and that the lender may be illegally and unethically using my personal private information. I was assured upon asking that my information was indeed safe but the representatives would not expand on how my information was being protected and refused to explain to me how my personal information was safe from this " system issue directly affecting my application ''. I followed up once again on XXXX ( bear in mind, I was told on Thursday XXXX/XXXX/15 that I would receive an approval or denial decision within XXXX hours and as I am filing this complaint it has been going on over XXXX hours ) and spoke to XXXX who had been a representative I had spoke with several days ago. When I had spoken with her on XXXX she told me all needed documentation was in and verified and that I would for sure have a decision by the next day. This time on XXXX, XXXX informed me that there was in fact a system glitch holding up my application and affecting my personal information. She said the system glitch was directly related to my personal loan application. I repeatedly expressed to her my growing concerns about the safety of my information and was each time simply apologized to. I continued to tell her that I did not need an apology but wanted a specific answer to what precisely the glitch was and how exactly it was affecting my personal application which contained my personal information. The representative refused to explain the glitch and each time basically told me that I should take her word that my information was safe. My complaint is in regards to how this lender is handling my personal information. They have refused to disclose to me facts material to my personal information. They have refused to disclose there internal safe guarding practices. They have lied, been unethical, and secretive. They never answer any questions that I ask them, only offer half hearted apologies. I firmly believe that my personal information has been compromised and I ask for Avant to be investigated.
The loan was obtained under false pretenses that if I made 9 monthly payments I would have the option to get the payment lowered. However after making t hat 9th payment   Wells Fargo co ntinued to mis-represent their product that they sold me. I was given false representation on this product in order to make a sale. I was told I have no other option other than to get my credit pulled and refinance the loan as a whole.
My bankruptcy is showing as " Dismissed with TransUnion and XXXX. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy
I have been trying to get this resolved with XXXX and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to XXXX who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call XXXX. When reaching out to XXXX they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
To Whom It May Concern : I have requested that you remove the fraud alert from my account. Please remove all freezes as well. Contact me if you have any trouble doing so. XXXX. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
Bank of America was servicing my mortgage up until XX/XX/2014. Bank of America made it blatantly clear that I would have a new mortgage company which is XXXX XXXX, effective XX/XX/2014. I have received to correspondences from XXXX XXXX, XXXX from the office of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. According to the court documents they are representing Bank of America in a foreclosure on my property? I am confused ... because all of my monthly statements are with XXXX XXXX ... looking at the court documents ... I see that XXXX XXXX is not with current events because XXXX is still listed along with other items that should not be listed ... the mere fact that these items are listed I am wondering why XXXX XXXX who claims to be representing Bank of America is harassing me. I am in the process of deeding my property back to bank ... .that bank is XXXX XXXX XXXX If you review the responses and history you will see where Bank of America disassociated themselves from the issues I had with them when they transferred the property to XXXX XXXX
I received a letter stating a medical bill I was unaware of was sent to collections. Immediately, I called to resolve the matter and make payment arrangements. They declined what I could afford and told me either {$5000.00} down and {$5000.00} the following month or 3 consecutive payments of {$3000.00}. The told me this was the only way they could accept my payment and I told them I would see what I could try to figure out. 

After confirming with my options that those just are not realistic arrangements I called them to atleast make a payment and see what I could continue to afford. They told me they could not accept my payment because it wasn't enough and that they are now going to put it against my credit. I tried multiple times to have them take my payment and they declined. I asked them if I were to go online and make a payment, since they would not accept it, if they would send me a notification with my new balance owed before reporting to my credit and she said they don't do such a thing. 
The fact that she declined my payment and refused to come up with a realistic arrangement for monthly payments is completely unfair. 
The company 's name is XXXX XXXX XXXX. She was a senior representative and her name was XXXX. The most recent call took place on XX/XX/XXXX at XXXX.
Capital One advertises the " Account Combination '' feature for credit cards on their web site, which should in theory allow a customer who meets all the listed criteria to combine card accounts. I do meet the listed criteria but despite many attempts, always get an error message ( attached ) saying my accounts can not be combined. I have been a Capital One cardholder since XX/XX/XXXX, and over the years I ended up with four Capital One cards ( one or two were from their merger with XXXX ). I want to keep my oldest account, which has no annual fee and a {$1400.00} limit, and merge it with the credit lines of my two other personal cards which do have annual fees but lower limits ( {$850.00} and {$600.00} ), making one card with no annual fee and a {$2800.00} limit. <P/>I called Capital One customer service in earlyXX/XX/XXXX, spoke to someone in an outsourced XXXX call center, and they were unable to resolve the issue, or determine the specific reason why the Account Combination feature did not work on my cards. They could only rehash the explanation from the web site. <P/>On XX/XX/XXXX, I emailed XXXX XXXX ( attached ) who, from my research, had helped develop the Account Combination feature a few years back. She forwarded my email to XXXX XXXX, who later forwarded it to someone on the social media team, who in turn bounced it to the so-called " Executive Resolutions '' office. From what I can tell, the Executive Resolutions office is just a customer service escalation desk that has no real empowerment to fix this issue. I spoke to XXXX XXXX in that office via phone on XX/XX/XXXX and she, also, was only able to rehash the verbiage from the web site. She offered no resolution or further escalation. <P/>Later that evening, XX/XX/XXXX, I wrote a letter ( attached ) to XXXX XXXX, President of XXXX XXXX XXXX, and mailed it via XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The letter was delivered XXXX XXXX with tracking number XXXX ; an " XXXX XXXX '' at Capital One signed for it. In the letter, I expressed my frustrations with the lack of effort of anyone I had spoken to at Capital One to resolve or explain the Account Combination issue, my attempts to resolve it, and asked for XXXX XXXX to help, or delegate to someone who could. To this date, I have not received any acknowledgment of my letter to XXXX XXXX. <P/>On XXXX XXXX, still frustrated with the lack of resolution, I closed my two Capital One cards with annual fees. The fees were going to post in XXXX and XXXX if the card were kept open, and I do not want to pay annual fees for cards I no longer use with a {$0.00} balance.
Any time that I need to contact Home Loan Serv regarding my mortgage loan, I am never able to contact anyone. I am placed on hold for a timeframe around 5-8 minutes when I am forced to disconnect or leave a voicemail. I have never, not once, received a call back when a message is left. I have currently been attempting to contact to update my payment information as I have switched to a new account and my old account is no longer in use. I am unable to add a bank account via their webpage, and now I am unable to contact anyone on the phone. I have also noticed information regarding my payments being applied to my principal balance does n't appear to be accurate, but again I am unable to speak with anyone to discuss further.
In XXXX 2016 I applied for a deferment on my loan and I was advised to pay {$420.00}, which is XXXX payment plus a {$25.00} deferment fee. I made the payment as advised and called in and a consent to the deferment form was faxed to the XXXX Branch where I was to sign the form and fax it back. I did as I was instructed. Later in the month of XXXX I filed for Bankruptcy so there after statements were delayed and not reflected correctly. After my Bankruptcy was completed I reviewed my statement to make sure all adjustments were properly made and I found that my account reflected past due. I called in and was transferred by numerous representatives until I got XXXX who was trying to correct the issue. He advised me my deferment fee had been applied to late charges instead of the deferment. He also advised me he will reprocess the deferment and take care of any negative credit reporting I may have received and to call my account representative to correct any late fees that may have been applied, I schedule a payment with him for XXXX/XXXX/16. He advised me that I had to sign another form and it will come by email within 48 hours. I received the form and emailed it back to XXXXXXXXXXXX twice. Friday XXXX/XXXX/16 & Saturday XXXX/XXXX/16 I received calls from the collections department. I called back but it was after hours then I called again on XXXX/XXXX/16 and I was advised by collections they could n't help me and transferred me to customer service. I asked to be warm transferred but she just dropped the call anyways. I spoke to a guy in customer service and he advised me I would have to start over and pay another fee. I told him that 's not right I paid my fee and did what I was asked and that I 'm not paying another fee. The guy said well he could not help me and went on to transfer me to my account manager again I was not warm transferred and not provided with a name or extension, I was just dropped on a line that asked me for an extension I did not have. I would like my late fee refunded, interest adjusted and payments reapplied if necessary, credit adjusted if necessary and deferment processed.
I set up payment arrangements in the amount of {$50.00} a month. Basically the account rep did n't want to agree to that amount because in the last two months he has been authorizing payments to take everything in my account and when I spoke with him he told me since I owe the bank for the credit card they can take any amount from my account with no explanation.
During the month of XX/XX/XXXX, Wells Fargo transitioned my mortgage account from a Home Equity Loan to a Home Mortgage Loan, during this time, they canceled the lender- placed insurance they had on my property effective ( XX/XX/XXXX ). On XX/XX/XXXX I called Wells Fargo about my insurance payment, I was told there would be no payment for 45 days, so I obtained other insurance for the property. I Received a letter in XX/XX/XXXX, thanking me for providing evidence of hazard insurance coverage on my property, but their records show a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, an insurance charge of ( {$110.00} ) may be charged to your account for that time period. I received a letter in XX/XX/XXXX stating the ( {$110.00} ) XXXX XXXX XXXX dollars will be divided into two payments, beginning with the XX/XX/XXXX mortgage payment. 

My complaint is, how can they charge me for insurance coverage they didn't provide during that time period because they cancelled the policy without indicating or notifying me of what would happen once the lender changed, or obtaining my consent to proceed. 

During the transition period from Home Equity Loan to Home Mortgage Loan there was an advance balance of ( {$1900.00} ) that the Home Mortgage Loan absorbed, this also was insurance charged, but no coverage. It was retroed back to the first day of no insurance, whether they provided insurance coverage or not.
Obtained a credit report and after noticing XXXX collection agencies reporting me for an alleged debt I sent a validation of debt letter requesting more information and proof of the alleged debt. I have received NOTHING. I need to know or they must remove this item that is negatively effecting my credit score.
OnXX/XX/XXXX Diversified Consultants Inc wrote that they closed the credit line in my name and ceased reporting to the credit bureaus ( attached letter ). However, onXX/XX/XXXX I discovered the account was still being reported to credit bureaus ( attached credit report ). I have since sent disputes according to FCRA to credit bureaus. However tradeline is still being reported by Diversified Consultants Inc to credit bureaus. This is a violation of FCRA and FDCPA!