WillisBack/dataset-financial-user-claim huggingface dataset:
I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.
Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.
I have been trying to do a deed in lieu with my main mortgage holder and the secondary mortgage holder for approximately one year. Main mortgage holder, XXXX, has been fine to work with. Secondary mortgage holder, SLS, has been a disaster. They have missed responding to 5 short payoff contingent approval letters sent to them by XXXX. 

Each time SLS misses responding to XXXX 's short payoff contingency letter, my case closes out at XXXX and then I have to submit paperwork and start the whole process over again. 

I am an elderly woman and have been trying to turn over my house to XXXX since shortly after my son 's untimely death, because he helped me pay my bills and after he died, I was no longer able to afford the house. I was advised the deed in lieu would be a good process to use. It has turned into a nightmare because of the incompetence of the SLS company as the junior lien holder. 

Dealing with them is causing me so much stress in my life, at a time when I'm still grieving over my son 's death, and I need DESPERATELY for someone to help me. 

My daughter had been helping me deal with them from last XXXX through this past XXXX, when they yet again failed to respond timely to the short payoff contingency letter. When they failed to do it that time, that was the THIRD time they didn't respond and she no longer wishes to deal with them over the phone because of their incompetence. They've now failed a couple of more times since then. PLEASE HELP ME.
I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.
Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX.
Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35. 

Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}. 

I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details. 

To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.
Bank of America claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.
I made a transfer from my Bank of America checking account to my XXXX savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my XXXX account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a Bank of America branch and they deposited it into my BofA account. Then a few days later it was taken out of my Bof A account again with a " refer to maker '' error. I again went to Bof XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that XXXX presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact XXXX to get them to research it to no avail as they state the money is with Bank of America. This has been going on since XXXX and I feel that I have been defrauded out of XXXX since neither bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
My credit report shows that I owe CBNA ( it looks like this is my Best Buy credit card ) when I paid the FULL balance a few months ago. It shows I owe  XXXX  when the account balance is {$0.00} so I 'm just confused why this is showing up incorrectly.
On XXXX XXXX, 2015, I submit a Letter Of Validation to Midland Credit Management. Please provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have only have received a statement alleged, debt.
1. Mortgage sold by XXXX XXXX XXXX to the XXXX office company ( Nationstar Mortgage LLC ) in XXXX Texas. 
2..Loan Documents provide a period between the XXXX of the month until the XXXX of the month within which payments received are NOT considered " Late '' ... .Nationstar Mortgage LLC disputes this part of the loan documents. 
3. If a payment was received during XXXX and XXXX, I, XXXX XXXX, Home Owner, consequently would receive phone harassing phone calls form Nationstar Mortgage LLC, demanding payment, at once, or legal action would be taken by Nationstar Morgage LLC against me. I had as many as XXXX phone calls on the XXXX of the month demanding payment. 
4. Once again, the loan documents allow payments to be received any time between the XXXX of month and the XXXX of the month without being considered " Late '' ... ... 
5. I filed a complaint with the XXXX and the XXXX issued an order cease order that forbid the phone calls demanding payment, at once! 
6. Today, Nationstar Mortgage LLC posted a notice, in retaliation for my BBB complaint, denying me access to the mortgage records on their Wed Site ( Transferred from XXXX when the Mortgage was sold ) .. Furthermore, the notice forced me to deny the results of the XXXX order pertaining only to the Phone harassing phone calls ( by forcing me to click on the Opposite target of the notice from my desired answer ) in order to gain access to the information on the Nartionstar LLC web site about my account. 
7. I, XXXX XXXX, home owner, urge the Agency to investigate the operations of Nationstar LLC..
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XX/XX/XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.
To Whom It XXXX Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company TIME PAYMENT CORP-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX :XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXXXXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX NA Inquiry : XX/XX/XXXXXX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX
Opened a bank account with Bank of America via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.
After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.
This is my second complaint against Bank of America credit card. I had  XXXX  $ credit card  in 2015,  due to extreme financial hard ship and my car was stolen that time, my wife was  XXXX , and I was a  XXXX   XXXX   XXXX  with no employment. I was told and explained every situation of mine to Bank of America but no use, they are horrible, they did not inform me when interest rate was increased to 22.00 % + something, I was paid more tha n 600 $ extr a for interest and late fees, they are not helpful, last time when I cal customer care, his name was  XXXX  he was threatened me like we will update all information to debt collector, and he insulted me like I have job then what 's the problem like, this is entirely discrimination to me. I really love this opportunity to clear my problem. I do n't want pay more than my actual credit limit.
i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.
( continued XXXX ) She came back to the line and asked me to call Danco back. I called them back and spoke to XXXX again. He told me that Danco could n't take the payment because they had n't taken on the terms of the lease because it was too low and I 'd have to take it up with XXXX because the car still belonged to them. I asked him so who am I supposed to pay my carnote to and he told me to call XXXX again. By this time they were closed and I was soooo frustrated! When I got home later that evening I was doing a client and I saw a tow truck pull up outside. They asked me did I want to get anything out of the car because they had been sent to repo the car. I was so confused because they would n't let me pay the car note but they were going to repo it and it had only been 6 days since the payment was due! My brother drove the car off because I did not want a " repossession '' on my credit history. I parked it in a garage and called them at daybreak the next day. I spoke with XXXX at Danco and for 2 days he tried to convince me to either 1. Sign the new contract 2. have the extra payments placed at the end of my current contract or 3. Find another car of lower value or 4. Have the payments taken out of XXXX Chexk since it was her fault. All of this just placed me in a highly XXXX situation as if I had n't been through enough with them I was in jeopardy of not having a car again, but I was n't going to pay more. So I told him they could just get the car back and take me out of the contract and give me my money back, because if it would be that easy to sign a new contract it 's just as easy to release me from one.. he said I was correct but he felt like I was going to be a good customer and that he would just pay the {$1500.00} out of his pocket. I agreed and I 've had the car for 4 months since and have paid my carnotes but I just recently found out that my license may be suspended because the tickets STILL HAVE NOT BEEN PAID! I risk going to jail and I have a baby. This is asinine and EXTREMELY ridiculous that these people have taken me through all of this XXXX for almost a year now and on top of it all they sent me a XXXX IRS form for the XXXX XXXX, stating that they 'd reported the vehicle as income as if they 'd either given it to me or I 'd paid for it, either way all of these things will take almost a lifetime to be rectified and resolved. I 'm so frustrated, I believe a civil suit may be best.
In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt of late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.