WillisBack/dataset-financial-user-claim huggingface dataset:
After literally years of trying to get Bank of America to send documentation as to why and how I am bound to their terms, I received an interesting document from Seterus whom Bank of America turned my loan over to. Now to be very clear, Bank of America did not provide this document to me even though I have been asking for it for years but here 's the most interesting part, it is a 'Assignment of Mortgage ' document dated XXXX/XXXX/2016. I hope everyone sees the issue here, they have for years not only been harassing me and collecting money and everything else, but very clearly they had not done what was proper and there 's still parts to it that are not proper but I still have n't put the pieces together with this. The fact is that Bank of America has grossly mis-handled my loan and I have another document that XXXX has provided which I believe to be forgery but first, I would like an explanation from Bank of America on this document and that explanation should include why BoA did not file this previously and also why was I not provided a copy from BoA??? One very notable part of this is that my loan was transferred to Countrywide so I still do not believe that this document is valid or relevant in any way. Another thing is that this document was never recorded which perhaps is a clear indication BoA knows there is a problem with this document. One more addition is that the 'note ' that XXXX sent does not match the original mortgage note that was recorded for the loan so again, there is A LOT of suspect material at this point!
XXXX 2015 I want to titlemax in XXXX, Ohio on XXXX XXXX and opened a title loan on my XXXX Ford Explorer XXXX XXXX. When I did this I was able to get a loan for {$2400.00} I was told my XXXX payment will be around {$400.00} because of processing and interest fees. On XXXX XXXX I made my first payment with no problem, but when I ask about the next they told me that it will be roughly around {$400.00} anything over the interest and processing fees will go to principal and that I could not Opt to tell them that I would like my permit to go to principal. I spoke to the general manager how 's the store she proceeded to tell me that this is a " 30 day loan '' and that every day that the loan is still not completed I would have to refinance the loan so with this being done it will make my finance interest go even higher. Also just passed payment attempted to get paid 2 week extension on my due date because of a financial crisis that temporarily one of my income was being down. Now prior to this I have heard people going to the same store and get extensions or be able to do partial payment on overdue payments ... They simply had to talk to the general manager of that store to see if they can work on a temporary payment plan I was even told this when I was closing the loan with XXXX she told me just to call in and ask to speak to the general manager. Now there has been a new manager in place since then and she is not honoring that and it is putting me in even more of financial bind. Example : I asked to pay the principal due for XX/XX/XXXX which was {$370.00} .... at first one the general manager replied she told me or ask me when I can pay the rest implying that that was something possible to be done and I told her out of the {$500.00} that they were charging me since I was late on the payment that I was only able to pay the {$370.00} and pay the remainder a week later. She declined that and proceeded to ask me where can I pay the {$500.00} and that my truck can be eligible to repossessed. I told her just so my truck does n't get repossessed I would have it in by XX/XX/XXXX. I then asked her why was n't the loan process explained to me originally as the way she just explained it to me ... .she then told me at that point that it was a 30 day loan and that she would n't even get this type of loan for herself if she had to go down the avenue that I had to go there because she knows it would suck people in ... These are her own words and I will testify to that. I feel like this is a predatory loan and that it is very miss represented by its agents that process the loan. I was never given a clear estimate on how the payment was allocated to the loan. I feel as this company is increasing rates and making people pay more by refinancing these loans month it is making it impossible for people to repay these loans.
I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit, and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX, CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX
XXXX is a terrible company they gave me a debt of XXXX dollars for a phone I just got and I recently switched and now they 're trying to set a collection on me if I did n't pay I have the XXXX XXXX XXXX XXXX as my lawyer and if they think they can take me for a ride they ca n't I 've had numberous complaints about this company and how they poorly treat they 're customer told me I was a valued member. They harassed me and said if I do n't pay they would collect judgment all I had was a phone and tablet and they gave me a XXXX dollar fee because I was late paying them
Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
Vital recovery services has called and texted me multiple times per day including early mornings on weekends. Service rep refuses to describe what debt is owed and in what amount. I check my credit reports regularly and I have no outstanding debts and am not in collections status with any financial service or vendor. These attempts to collect a debt are fraudulent and meet the legal definition of harassment in addition to violating several statutes of the consumer protection act.
I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.
I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but   XXXX   will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows  : 1.       XXXX  {$2200.00}  2.      XXXX  {$5400.00}
Citibank. Fraudulent charge to my credit card account on XX/XX/XXXX for {$24000.00}. I discovered and reported the fraud to Citibank on XX/XX/XXXX, and Citibank agreed to reverse the charge, but never did. Citibank withdrew the {$24000.00} from my bank account without authorization on XX/XX/XXXX. I called twice to have the amounts refunded, but Citibank did not process the refund. My bank finally reversed the charge, then Citibank charged me {$27.00} for the reversal of their error. It is now XXXX, and Citibank still has not reversed the fraudulent charge, which continues to drastically affect my credit score and undermine my ability to get a home loan. I called and spoke with XXXX with  Citibank on XX/XX/XXXX and she gave the same line as every other time, that they are processing it and it is awaiting management approval, which means they will do nothing about it again, and I can expect them to try to withdraw the funds from my bank without authorization again. I have spent at least five hours trying to work with Citibank to get this resolved, but they continue to refuse to reverse the fraudulent charge from my account. XXXX XXXX with Citibank 's executive office responded to my last CFPB complaint, but has not fixed this issue and has not returned my call.
I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.
I spoke to a representative at Bank of America on XXXX/XXXX/XXXX on XXXX occasions. The first XXXX informed me that the extensive holds that they had on my funds XXXX in the amount of {$1000.00} was scheduled to be released to me on today which is XXXX/XXXX/XXXX and checking my account online before going to bed i see where the {$1000.00} was no longer there it was combined with another hold showing {$2700.00} on hold which all of these hold began on a XXXX XXXX deposit in the amount of {$6800.00} that is in violation for holding this long. There is also a hold in my savings account in the amount of {$3800.00}. This has caused a hardship and lot of stress and mental anguish on me.
I submitted disputes to the credit bureaus about an account that is older than seven years. I clear understand the rules that the statue of limitation begin since the last day of payment or activity, so the account in question is XXXX XXXX knowing that this item is from XX/XX/2010, so I submitted the disputes but the credit bureaus XXXX, XXXX and Experian did not delete the account.
I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.
I ask the sun loan to stop posting late notice on my fence so my neibors would no know issue. I advised them XXXX of my neibor had read XXXX of the notice. I would work on repaying them as soon I got another job. and also as how to stop the interest from going up more. Also stop calling my familey and adviceing them of my money issue.
I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.
I had a subscription to XXXX. The credit card on file expired over one year ago, yet a new charge for the subscription was placed on my credit card 13 months after the card on file with merchant had expired. I called my credit card company ( Capital One XXXX ) to dispute the charge and they said since I had a subscription then I had authorized the charge. After asking how a merchant was able to charge an expired card, Capital One admitted to giving the merchant my updated card information. My credit card company provided personal information ( new card number, expiration date, and security code ) directly to a merchant and which allowed the merchant to charge an expired card. I was neither notified from the merchant that my card on file had expired, nor was I notified of the agreement between merchant and credit card company to auto-update my card information, nor did I authorize my credit card company to give my information to the merchant. The credit card company finally relented and credited my account for the unauthorized charge and I have cancelled my subscription with the merchant.
Equifax was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
I lost 32 points on my XXXX it and XXXX  and this debt has already been discharged in my chapter XXXX bankruptcy. This company operates fraudulently. I never received anything in the mail to alert me of them adding an old debt to my credit file. I seriously believe they did not contact me on purpose so that I wouldn't know. This company banks on people not paying attention to their credit files so they can collect on old closed debts.
My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you
XXXX XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XXXX XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XXXX XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops XXXX points. However, they include a number of hidden fees and charges. 

XXXX XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.
I have been refused by ( XXXX ) creditors to submit a letter to me to remove an unauthorized " Hard Inquir '' on my Transunion Credit Report & gt ; The ( 2 ) are : 1. XXXX - Unauthorized Inquiry on XXXX XXXX, 2016 2. XXXX XXXX - Unauthorized Inquiry on XXXX XXXX, 2016. 
These need to be removed from my Transunion Credit Report ( Only Agency where this occurred ) My Contact Info : XXXX XXXX - Phone # XXXX E-Mail : XXXX Please reply at your earliest convenience. Thank you.
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX and XXXX  their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com
XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court.
INFORMATION IN THIS ACCOUNT IS INNACURATE. 
WRONG COLLECTION PRACTICES.
O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.
I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date, a buyer or transferee of property will not be permitted, under any circumstances, be assigned to, or assumed by, a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX, division of XXXX XXXX XXXX XXXX, XXXX ; Also, Select Portfolio Servicing has excessively increase my mortgage interest rate since my mortgage modification contact has been completed. 
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX, Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also, as of XXXX/XXXX/XXXX Select Portfolio Servicing Inc has been trying to force me into signing my home my home over to them.