WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time.
ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.
I opened a new business charge card account with  Citi bank in   XXXX   XXXX  . For 2 months i received the bill and paid it on time. After that I stopped receiving bills from Citi bank and later learned that my bill was going to an incorrect address. Now I am charged with late fees and finance charges that Citi bank required me to pay even though the bill was sent to the wrong address! Not only that the paper statement contained the entire 16 digit account number! I have repeatedly called Citi bank to try to resolve this but they were not helpful at all. I closed my account after paying the late fees and finance charges so that whoever was receiving my paper statement would not use my charge card. Citi bank employees could not give me the address that the bill was going to because they s aid they could lose their job. All they could say was that the bill was not going to the address that I gave them when I told them my address.
AFFIDAVIT OF TRUTH SIGNED BY LOCAL NOTARY, SENT VIA XXXX CERTIFIED MAIL # XXXX. I sent a demand to EXPERIAN notifying them that there is inaccurate and false address on my credit file. I certify that i have never lived in the city of XXXX. as a matter of fact both of these addresses are not even XXXX DELIVERABLE, please Amend these errors. 

EXPERIAN ALWAYS CLAIM THEY CAN NOT CORRECT THESE ITEMS BECAUSE A CREDITOR IS ISSUING THE DATA, BUT THAT IS FALSE. HOW IS IT XXXX, XXXX ARE ABLE TO FIX THIS SIMPLE ISSUE YET YOU CAN NOT? 

I INTEND TO SUE IN FEDERAL COURT AND INTRODUCE INTO EVIDENCE MY AFFIDAVIT OF TRUTH OF WHAT I ASKED EXPERIAN TO AMEND IF THEY CONITUE WITH THEIR NEGLIGENT NON-COMPLIANCE.
I received a phone call from a debt collector claiming to be from Sears looking for my son at XXXX XXXX Saturday morning XX/XX/XXXX. I have nothing to do with this debt and don't know why they're calling me. I wish to file a complaint. It is unfair that a family member should have to bear this burden for someone who knows nothing of a debt that they claim on my adult son. The number they called me from is : XXXX ( XXXX XXXX, Texas ), as identified by the caller ID on my phone. The caller sounded to be a young female. I had appointments today that required my utmost attention and by disturbing my sleep, ruined my capacity to perform at my best. I wish compensation for their frivolous actions as well as a formal apology.
I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.
On XX/XX/XXXX capital management services LP sent me a notice of debt verification. I asked for debt validation. They could not provide it, they forwarded my request to original debtor. I then filed a complaint through your company. Assuming the original company was trying to collect debt from me. They dropped capital management from collecting the debt. They then became the original creditor and original creditor. However, payment could only be remitted to XXXX XXXX XXXX, which is a parent company of XXXX XXXX XXXX. However I do not have a standing contract with XXXX XXXX   to pay anything. Therefore I am at liberty to say that XXXX has commited fraud. They charged off account, sold it to CMS, took it back and is now letting XXXX XXXX handleXX/XX/XXXX.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. Let it also be noted that XXXX XXXX purchased the XXXX XXXX XXXX XX/XX/XXXX. I am sending a copy of this complaint to the XXXX as well. Thank you for your time. Also CMS was originally on my credit report but was withdrawn when XXXX   noticed I was trying to take action against them.
Credit card was assessed undue fees and did not make any calls/contact to alert me that a balance was pending on my account.
I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.
XXXX / XXXX /   17  - Applied for revolving credit form  XXXX   XXXX  /   XXXX    XXXX / XXXX / 17  -  XXXX   XXXX   ( via letter ) de clined my request stating the report they received from Experian shows my total credit obligations when compared to the total annual is too high  XXXX / XXXX / 17  - Spoke with  XXXX   XXXX   XXXX   XXXX  and was advised that Experian is reporting my total monthly credit obligation is : {$8400.00} + This is incorrect. In-fact, my total credit used a nd total credit obligation within any given month for the past several years does not exceed a couple hundred  dollars  XXXX / XXXX / 17  - Send a letter to Experian to dispute the erroneous reporting  XXXX / XXXX / 17  - Filed dispute with CFPB
American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.
I had joint checking account with my mother, which we closed in person at the branch early   XX/XX/XXXX  . Currently we have received bill from the bank  (    XX/XX/XXXX -  a year later!!! ) with  XXXX  balance charge which was triggered in   XX/XX/XXXX   by charging our assumingly closed account {$5.00} dormant fee and creating fake interest of {$1.00}. By phoning in this complaint in, I was told they can not waive this dormant fee charge, because there is balance on this line of credit attached to this checking account. They created this mess on their end by not closing this account, despite my and my moms request and created these charges for themselves.
I applied thru Quicken Loans/ Rocket Mortgage to refinance my conventional loan with a VA Home Loan . Rocket Mortgage said the VA would not let me use my SSD as income because I have a Designated Payee. My VA XXXX does not have a Designated Payee, it is directly deposited into my checking account.
On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it resolved.
I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/
Trustmark Bank is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called XXXX and XXXX in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. Trustmark currently has a lawsuit against them relates to outrageous overdraft fees!
The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.
Lender has continued to contact my place of business after they were told to stop immediately. They have constantly harassed me and may cause me to loose my job by continually doing so.
A review of my morgage account activity was conducted on XX/XX/XXXX. It was discovered that {$230.00} has been paid from my escrow account as XX/XX/XXXX and XX/XX/XXXX monthly private mortgage insurance premium. Upon verifying loan documents provided at settlement signed XX/XX/XXXX ; monthly PMI premiums should be {$51.00}. PNC Mortgage has not provided any form or correspondence explaining the PMI monthly premium change and has repeatedly declined to discuss this issue with me. THIS IS NOT A DUPLICATE OF CFPB CASE # XXXX. THIS IS A DIFFERENT ISSUE REGARDING A DIFFERENT LOAN NUMBER.
I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report
on XX/XX/2018 i sent a letter to capital one requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.
On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.
XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX TO SEND PAYMENTS, CITI XXXX XXXX   XXXX XXXX XXXX, SD XXXX ALSO has an agreement with XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) where CitiMortgage will utilize XXXX XXXX to perform various servicing functions for my 2nd mortgage I have had since XXXX to XXXX. The BBB has all bad reviews and XXXX is not an accredited by the XXXX. XXXX is a fraud and scam consumers. I have talked with CITI and they will not help. XXXX XXXX TERMS and AGREEMENTS are not acceptable, but you have to agree to them to pay your mortgage. We have not agreed and would like the federal government to see the people begging for help. I would like to know my options and where to turn for help. Letter stated ACTIONS NEEDED, Beginning XX/XX/XXXX all mortgage payments should be made to XXXX XXXX directly. To reach XXXX   XXXX  call XXXX. MY NEW ACCOUNT NUMBER:XXXX.
I opened a credit Card account with Best Buy. I was unaware that I was enrolled into debt protection for the last 10 years. Citi Bank currently works with best Buy and has been charging me for Debt Protection. I was completely unaware of this until now. I requested them to refund me a portion of the charges and they refused. There are months where I paid more than {$11.00}. I believe they charged few at least {$500.00} in the last 10 years.
I was offered a job. I just retired from the state after almost 30 yrs as a XXXX XXXXXXXX in XXXX mass and a XXXX XXXXXXXX with the XXXX XXXX XXXXXXXX XXXX in mass. So XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX Ca. XXXX had to do a background check and drug test on me for the job, no problem. I had a drug test around XX/XX/2018 and another one on XX/XX/2018 both came back negative dilute. I was so appalled that I asked my doctor to take one and it came up negative. Also they said something was in my background check and I looked it up and saw absolutely nothing. So I didnt get the job because these people lied. I was in law enforcement for a long time and got tested every year at different times. Never did it ever come back negative dilute. How many other people have these people lifes have been destroyed because of them. Id like this rectified and the company notified that I was going to start working for notified, this was far from the truth. Im also informing the attorney general office. Thank you, XXXX XXXX
I received letters dated XXXX XXXX from Wells Fargo bank notifying me the my accounts were going to be closed XXXX XXXX. 

All my account were closed at the bank,. This included 3 different business accounts, several personal checking and savings accounts for me, my wife, my mother and also a business credit card account. 

The only account that has been left untouched is my mortgage account. 

So far, despite several attempts, the bank has refused to disclose any reason for the closure,. 

I have operated these accounts way back when I initially opened them at XXXX XXXXk over 10 years ago, and these accounts were migrated from XXXX after Wells Fargo acquired them in XXXX. I have run these account with very healthy balances and operated them in good standing at all times so this really comes as a shock that the bank would treat me in this manner without providing any kind of explanation for their actions whatsoever.
I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously
Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.
I went on free credit report to get my credit score and it was brought to my attention that there is a mortgage loan on my credit and school debt now I've never took out a loan from these company 's this is the first time I have ever had to go thru this so I dont really know how to fix it. Please help me
I originally took out loans through XXXX XXXX. Now I have loans through both them and Navient. Navient 's is about XXXX and XXXX XXXX is about XXXX. However I am a recent XXXX so I am trying to get on a payment plan that will work with me. I have called both companies every month for the last 4 months and they keep telling me to wait and call back. Recently they told me I had to wait until my loans were deliquent before they can get me on any payment plans that would work for me. I do not believe this is good business as I am told I can lose benefits or this can lower my credit score.
Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
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These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
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XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
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XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.
I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.