WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump
My name is XXXX XXXX. Me and my wife XXXX XXXX are proud residents of the great state of New Jersey for over 25 years and we have one of our sons serving this country in the military. My family and I have lived in our house for over 17 years, but due to unfair treatment by our mortgage servicers ( currently Select Portfolio Servicing ), we are in danger of losing our home. 

I was a city bus driver for many years. Like many people, I lost my job in XXXX. We were able to modify our mortgage then, but unfortunately I was laid off again in XXXX. At that time I contacted our lender to get help. We applied for a modification repeatedly but never got a decision due to incomplete files. Each time I contacted them I spoke to a different person. I feel like we were given the run-around. To make matters worse, they called often looking for money but would never help us. 

Each time we sent in new applications and paperwork it started all over. No decision, only incomplete files and another new person to speak to. It has been very frustrating! There must be rules or regulations that prevent such awful treatment when people are making an honest effort to resolve a financial problem like this.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX  are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section  616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX  XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.
Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.
My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.
XXXX XXXX XXXX Has been harassing me and threatening me about an account not owned by me or opened by me. Several letters have been sent threatening me and suing me.
I live in South Florida and was in a shelter and went without work and pay for two weeks due to Hurricane Irma. All my creditors are deferring at least one month 's payment except Capital One. I have no way of making my payment because I just began work and I am behind on my utilities and I might have trouble with rent and car payment. I called Capital One and asked if they would defer my XXXX payment. They refused. They only said they would not charge me a late fee. I begged them to help me, but they refused. I am living in a county that has been declared a federal disaster area.
I opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.
XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Called to take care of debt a number of times, myself, then with representative, XXXX XXXX overtalked, yelled and interrupted every single word said. Then hung up on me, a total of 5 times. Asked about settling this OLD debt from 2008, he lied and said that the company does not offer settlements. Block you from talking to others at company, try to bully you into doing exactly what they say with no lip. Above description of issue with company options are limited. Conversations should be monitored and recorded as proof of complaint, we have times and dates called to resolve matter, in which this company did all they could to not resolve this OLD, OLD debt.
Experian is reporting inaccurate information on my credit report. XXXX  Acc # XXXX is reporting lates on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Experian was reporting was wrong but they have failed to contact me or remove this information,
I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?
This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
Hello, The following company Su n Loan is  not bonded in the state of TX and legally can not collect debt in TX. Please remove from my credit report.     Please remove from my credit report and debt is not owed.
I recently deposited a {$7000.00} check into my account at Chase bank, this is something that I have done in years past. I have now been told that this is unusual activity and have froze me out of my account entirely. They are now asking for me to speak with the maker of the check which is not a possibility because the maker of the check is XXXX and does not have a car to get to a branch. I have spent 6 hours on the phone with chase trying to resolve this issue and I have been lied to on several occasions by being told that Chase calls the maker of every single check written and deposited into a chase account. I have been labeled as a criminal, and accused of fraud and I am tired of being harassed and lied to by chase. I have shown them check images of previous deposits, and that was not enough to show that this was not an unusual activity. After several phone calls with chase we were told that a notarized letter would work to verify that the maker of the check wrote the check, while writing this complaint right now the joint holder of the account is on the phone with chase and now they are saying that a notarized letter will not suffice to un-restrict the account, so yet again I have been lied to by chase. This is completely unacceptable and I am sick and tired of being lied to. I also received a direct deposit put into that account and now Chase is holding my paycheck from me and will not let me access my paycheck. I have had enough of chase and this is unacceptable. No one should ever bank with chase they illegally hold your paycheck, and they will lie to you and hold onto your money with no reason and close your account with no notice. Oh and if they do not receive information that they " require '' which is not required by law, they will steal your money and not allow you access to money that you have earned on your paycheck. NEVER USE CHASE they will swindle you out of your money.
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
Since XXXX XXXX 2017, I have contacted Equifax, Inc about my inability to view copies of my Equifax Credit File using any service ( XXXX, XXXX, equifax.com or any other provider. Companies and financial institutions are also unable to pull copies of my credit file since XXXX XXXX 2017 in clear violation of the FCRA due to Equifax XXXX XXXX active on my account despite the fact that I canceled this service on XXXX XXXX 2017 and have requested this be fixed but my requests have been null. On XXXX XXXX I ordered the Equifax Credit monitoring solutions which allows daily pulls of my personal credit report. Since then, I have pulled daily copies due to ongoing credit disputes on inaccuracies I am working on fixing. This stopped working XXXX XXXX and has not worked since then. Equifax needs to fix their credit lock system and unlock my Equifax credit file and they also have to remove soft inquiries associated with their Equifax product because after a few pulls credit reports locks which violates their contractual agreement with consumers. They claim I am entitled to unlimited daily Equifax Reports with paid subscriptions but after a few pulls credit reports automatically lock and do n't provide reports after self pulls reach a limit. This is clearly a problem. As of today XX/XX/2017, companies, financial institutions and I can not pull a copy of my Equifax credit report and requests to fix this has gone unanswered. They did manage to fix this once on XX/XX/2017 but stopped working again XX/XX/2017. They have to fix this issue or i will not be able to open financial accounts due to Equifax lock and soft pull issues. I called support today XX/XX/2017 and XXXX XXXX still active despite multiple tickets and soft inquiries not removed.. No one including myself or lenders can pull my Equifax Report XXXX This is extremely concerning.
I have been adding additional funds to my Citi mortgage payments for the past year. My expectation ( and assumption ) was that these extra funds would be used to reduce the outstanding principle. I was shocked and dismayed to learn that Citi had been accumulating the extra funds in a non-interest balance called " future payments. '' The rep on the phone ( who is going to apply 3 payments to my principle - ticket number XXXX ) said that they can not go back more than 90 days, so the " future payments '' balance still has two payments sitting in it interest free while I pay interest on my principle that I can not reduce using those funds. If I want more than my expected payment to be applied to principles, I am required to move my bill payment for the mortgage from my bill pay system at XXXX XXXX to Citi EZ payments or I can call once per month to have it applied. 

I have had mortgages at many banks in the past and made the same excess funds in my payments and have never seen this. This seems debilitating complex to pay down my principle faster than they prescribe and they appear to have engineered this policy to maximize their profits. 

Should it be this difficult to reduce my mortgage?
I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XX/XX/XXXX back to XX/XX/XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XX/XX/XXXX student lian that was discharged.
I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. 
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. 
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. 
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. 
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. 
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. 
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. 
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


We would like to advise you of the many problems we have had with Bank of America since XX/XX/2018 trying to negotiate a short sale on our house.When our financial situation changed due to our HELOC loan ballooning from less than 200 /month to over $ 700/ month, we could not afford it. The bank put us through a loan modification which was denied because our house was underwater. After a failed attempt to sell with a realtor, we asked Bank of America for permission for a short sale. We were told it was up to the bank 's Short Sale Department, and if we had an offer, we would receive paperwork.We received a complete package from a person at the short sale department, which we gave to our realtor, who found a very good cash offer for our home.She was unsuccessful reaching her contact at Bank of America over a period of 5 months. Documents lost, resent ; promised calls and conference calls never happened ; holding times exceeded an hour ; the bank never heard of our realtor ; the bank account manager XXXX XXXX never heard of the bank short sale contact ; we never received promised copies of bank emails, etc. We finally pleaded with our loan manager to see what she could do. She asked her manager to look into this. Now our realtor and we have a new contact, who tells us the loan modification was only on primary loan, when we thought it was also on the HELOC, which we stated we could not pay at the new rate at the beginning.We have been in circles from XXXX until now, XXXX. We have exhausted our savings trying to keep current until now. We have even asked our children for help, which they did, until they can no longer. We feel Bank of America has needlessly caused severe delays, and we fear our cash offer will withdraw, now that six months has been wasted.
diversified consultant keep calling my XXXX and XXXX year old sisters for one of my debts that has already been paid off and posing as an insurance company.