WillisBack/dataset-financial-user-claim huggingface dataset:
HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections
My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX  XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.
I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.
THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +
When I log onto my Bank of America account, I can see in large, red and bold letters " 0.00 % promotional APR until   XXXX   XXXX   ''. This text is displayed immediately next to my balance details and this led me to believe I was under a promotional period until   XXXX   XXXX   XXXX  there is also smaller fine print that reads " on balance transfers completed by   XXXX   XXXX   XXXX   '' however, I did n't realize this was a NEW promotion. I thought this information pertained to my current account. Therefore, I was surprised to see interest fees on my  XXXX  statement. Apparently, my promotional period had ended the previous month. I was not alerted, reminded or informed the 19.74 % interest rate would begin. Otherwise, I would have paid off the balance in full to avoid paying the interest.   I tried calling customer service yesterday. I asked if the interest fees could be waived as a courtesy but my request was denied.   Since then, I 've submitted a payment for the remaining balance in full ( except for the inter est fees ).  as soon as the payment clears, I 'm going to close my BofA Checking and " Keep the  Change '' Savings a ccounts. i 'm also going to close this credit card account.   I have checking accounts with  XXXX  and  XXXX  and I have plenty of other credit cards to choose from. I refuse to do business with  BofA b ecause I believe the way they display promotions is misleading. I have attached a screen capture of the display and you can clearly see how I was misled into believing the 0 % promotional period was until   XXXX   XXXX  .
I sent a certified letter to Equifax on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, I have recieved no response, nor has the items disputed been removed from the account. Equifax has now broken the law by not following Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg, Section 611 ( a ) ( 5 ) ( A ) ( i ). and FCRA 15 U.S.C. XX/XX/XXXXi
I bought a new construction in the XXXX and at first we used builder 's in house lender. But we found the rate is not attractive so we switched to Wells Fargo who assured us a better rate. However, at the time when we are almost closing. Wells Fargo told us that it 's impossible to do this with us. Since the they can not meet the builder 's timeline. What should we do? Can we sue Wells Fargo for not being professional?
BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.
Loan officer ( XXXX ) misinformed me about ability to approve mortgage application causing me to unnecessarily incur an appraisal expense On XXXX/XXXX/XXXX, I had an email conversation with XXXX in order to explicitly confirm that Wells Fargo would be able to consider my wife 's new income in the mortgage application BEFORE the appraisal. XXXX response was that the decision is up to the underwriter and that sometimes they just need an offer letter and other times they need XXXX or XXXX pay stubs. This validated prior phone conversations in which XXXX said he would only need XXXX or XXXX paystubs. I also had a phone conversation with XXXX on XXXX to verbally confirm the pre-approval status of the loan. 

The underwriter later declined the loan due to the fact that he could not verify my wife 's income without 6 months of pay stubs after I had already incurred the appraisal expense. ( This is the reason stated in Adverse Action Notice and emails from XXXX on XXXX & XXXX ) This was the first time a 6-month requirement was mentioned despite my multiple attempts to confirm requirements. This was also extremely frustrating because I did my due diligence to clarify requirements, but I was told incorrect information by the loan officers. 

Furthermore, the appraisal itself had 2 problems : ( 1 ) The purchase agreement was misstated in the appraisal as $ XXXX. Actual agreement is for $ XXXX. It seems as though only the original offer was reviewed, not the final counter offer ( 2 ) Comp # XXXX ( XXXX XXXX ) appears to actually be sold XXXX XXXX. Age is over 12+ months despite the fact that the appraisal notes many other valid comps I have opened 3 cases with Wells Fargo HM Customer Care , and they have refused to discuss the issue further without even addressing the email and phone conversations containing misinformation. They wo n't even confirm if they have reviewed this evidence, nor will they comment on the mistakes on the appraisal. 

I have found many complaints online regarding this practice of prematurely ordering appraisals before stip requirements are clear to customer. I am concerned that Wells Fargo is profiting
I am a victim of identity theft. Someone opened a Discover credit card in my name and used it to make fraudulent purchases without my knowledge. They also used my existing payment accounts ( i.e. XXXX, XXXX and XXXX ) to change my funding sources to the fraudulent card. Since I was n't aware this happened I unknowingly placed XXXX transactions on a fraudulent Discover card that was opened in my name. I reported fraud to Discover, filed a Police Report, and reported this to the FTC. Now that I have identified the XXXX transactions to Discover they have been harassing me to make a payment. I refused to give my checking account number to them and they kept pushing me to give it to them. They threatened me with having a past due account and they were reporting it to the credit agencies. They keep calling my house and I feel that they are being very unprofessional about my claim. I have not made a payment and will not until my case has been cleared.
A CD came due, and Wells Fargo did not send me a notice ... ..the next year they sent a letter saying the account was dormant because of no use and could go to the state if I did n't address the issue. I asked why the interest was n't considered use, and they just said it was n't. This was relayed from the CD dept. ( on the phone ) to the nice lady who was working with me in person. 

The main problem was, they did n't send a reminder before the CD came due ( my other banks would ). So, it renewed at .35 % interest rate without me knowing. I asked why they did n't send a notice, and the woman on the phone with my person just said they do n't. 

To close the account, they charged me {$47.00}, which I consider theft, since they did n't notify me about the rollover in the first place ... .also because it was probably more than what I made in interest since the rollover. 

I was there from XXXX-XXXX ... ..the branch manager and the lady who helped me were very nice.
I have a few school loans that are ( XXXX ) closed out on my XXXX Credit report that I would like to remove off of my report. The reason why is because I 've filed bankruptcy XXXX, 2015 and these loans have been closed and they 're still sitting on my report hurting my score.
Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my   XXXX   XXXX    escrow adjustment caused my   XXXX   XXXX  , escrow analysis to have a higher shortage than expected.  Ocwen  failed to disclose that they were spreading my escrow payments ove r 56  payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over  12  payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on   XXXX   XXXX   XXXX  , after I received the new escrow shortage in   XXXX   XXXX       On   XXXX   XXXX   XXXX   Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided.     On   XXXX   XXXX   XXXX  ,  Ocwens  attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my  XXXX  and  XXXX  statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct  XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct  XX/XX/XXXX  received date. Ocwen failed to include the correct capitalized amount and date for my   XXXX   modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct   XXXX  , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a  XX/XX/XXXX  received date.  Ocwen  negligently reversed and re-applied {$200.00} + {$600.00}  (   XXXX  {$800.00}  ),  contractual payments received between  XXXX , with an incorrect  XX/XX/XXXX , received date.
I was scammed out of {$200.00} by a person who claimed that he sell me a part for my dirt bike. 
I sent him the money via Western Union Transfer and now he is not answering his phone or returning any of my texts.
On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX   brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX XXXX XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney. Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a racial discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, XXXX XXXX are XXXX. 

I, XXXX XXXX XXXX, consumer and legal owner of XXXX XXXX XXXX have been harassed with threatening letters/correspondence of imprisonment by XXXX XXXX XXXX XXXX, VA if I fail to make payments to the court as well.
In XX/XX/XXXX I cosigned a XXXX XXXX student loan for my daughter XXXX XXXX ( now XXXX XXXX XXXX XXXX for XXXX {$35000.00}. On XX/XX/XXXX I filed a Chapter XXXX Bankruptcy which was discharged on XX/XX/XXXX ( File XXXX ). 

Immediately after the bankruptcy filing and continuing through this year, XXXX XXXX reported this loan to all XXXX credit bureaus as " discharged with bankruptcy ''. No collection efforts have ever been made on this loan and I, therefore, assumed that XXXX XXXX agreed with how it was reporting the loan 's status to the agencies. 

Despite often-made statements to the contrary, I am well aware that only Qualified Student Loans can survive a Chapter XXXX discharge and that this loan clearly did not meet this definition since it was for an amount more than XXXX times the cost of attending the school that my daughter was enrolled at. My daughter did not deceive anyone with respect to obtaining this loan ; she disclosed what school she was attending but no one ever questioned her as to the cost of attendance. The IRS is quite clear that " mixed use loans '' can not be considered qualified student loans and this loan was so large that it had to be known that it would be used for purposes other than tuition, books, etc. 

For the past five years I have assumed that XXXX XXXX recognized that this loan did not survive the bankruptcy and there have been no attempts to collect on it from me. That is none until today when I was called by Northstar Location Services, a representative of which informed me that they had been directed to collect on the loan. I asked about the five years of reporting it as discharged by bankruptcy and I was told that they had no knowledge of that. I tried to explain to the representative that it is improper, unfair and probably illegal to report that a loan was discharged and then to suddenly decide to collect on it. I essentially was told that they were acting at the direction of .XXXX/XXXXMy assumption is that XXXX, the " new XXXX XXXX '' has been reviewing its loan portfolio and has decided to try to squeeze more out of it. So they have sold the debt to a collection agency in the hope that they can get me to pay it. On the phone I was even offered a " deal '' whereby I could be removed from the loan for a payment of " only '' {$15000.00}! 

It is simply unconscionable to suddenly change the ground rules on a consumer after five years of taking a position that is diametrically opposite from the XXXX being taken today. This is the kind of underhanded operating procedure that makes consumers dislike dealing with any financial organizations. 

Despite all this I have received nothing in writing from XXXX XXXX or the collection agency. My contact at Northstar is a XXXX XXXX at XXXX XXXX. 

Anything you can do to assist me in this matter would be greatly appreciated
I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.
Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.
Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house.
XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.