WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.
Payment was scheduled online in XXXX for the scheduled due date. Payment was scheduled to be the full amount of the balance due. He payment was credited t the account, and debited to my checking account, but Chase would not credit my payment.
XXXX dispute is reporting me as deceased. Kohls credit my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called experion and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to experion I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute experion and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs experion from the agent and I was placed on hold and told " fts '' or the federal government. I believe experion is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
I fell for TransUnion Interactive 's Credit Report and Monitoring offer of a {$1.00} trial, only to discover that there was no usable information included ( like my credit report ). For that, I had to sign up for another $ XXXX, which I did, naturally with the understanding that I would have full access to all three bureaus ' reports for 30 days. Not only were these SIGNIFICANTLY limited versions of my credit reports ( compared to the free reports from all three agencies I obtained a month ago ), making comparison all but impossible, I learned today that you ca n't actually access them for 30 days if you do n't pay an additional {$17.00} within 7 days to continue the initial " membership. '' And of course, there is no refund for this bait and switch ... all I could do was cancel both the membership and the credit report access before I got automatically charged for renewal, and as a result I immediately lost all access to even this limited information. This is a SCAM.
Receive calls multiple times a day from XXXX, XXXX XXXX. It is as recording saying I owe money and to stay on the line. I have never owed money anywhere. This is harassment for something I do not owe. Could be a scam trying to collect money.
I have recieved over XXXX hit on my credit trying to find financing for a vehicle, it has all happened within the last two months. Everywhere i go im at a high risk level and i cant get financing for a vehicle. If you look on my report it clearly shows how many times my credit has been abused in this auto loan process, i want to dispute all of the hits on my credit report to you guys. Its a perfect example of how horrible auto dealerships ruin peoples credit
{$180.00} will br collected by XXXX XXXX I, XXXX, the charge is a fraud charge put on my citi master dividened card. The balance is sold to XXXX XXXX I, XXXX by citi bank.
Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.
Because Equifax have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Equifax are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is twenty seven times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over 4 hours on the phone with telling the same story over and over again to people who hardly speak English and have no idea about the US postal system. Eventually I had to start all over again for the XXXX time. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.
XX/XX/XXXX  paypal funds a loan for {$8000.00} at 30 % repa y Paypal b alance was {$19000.00} XX/XX/XXXX  Paypal deactivates my account/debit card and ability to process transactions without notice.  <P/>  XXXX   XXXX   Paypal reactivates my account.   <P/>  XXXX   XXXX   Paypal s ets a {$10000.00} + 18 % reserve on my account. Seizing {$10000.00} indefinitely and applying 18 % of sales to a 90 day rolling reserve. Taking a collective 3 % transaction fee, 18 % rolling reserve fee + 30 % loan fee = 51 % of gross + {$10000.00}  XX/XX/XXXX   Paypal denies my claim to speak with a representative about revie wing my case for a minimum of 90 days.  <P/> I liquidated inventory to cover expenses I had fallen behind on from a slow   XXXX   sales year.
Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us. 
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third. 
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else? 
Summation : We have not caused the bank to lose any money, they were paid out. 
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive?? 
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!! 
Why they want our properties, which are appraised for far more than the balances. 
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time. 
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????
I no longer work for a company and they are calling repeatedly. It is a business phone not a private phone.
Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card
First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales. 
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.
On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.
On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.
Since my mortgages origination with  XXXX  I have never had an escrow account. The loan was transferred to  Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in  XXXX   2017 . Sure enough it happened again for the next quarter. I paid the taxes on  XXXX   XXXX  in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today (   XXXX / XXXX / 2017  ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days.  I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in  XXXX  and then being refunded in  XXXX  and then again dispersed  XXXX   XXXX .     I also have another complaint to make about them. I paid my mortgage on  XXXX   XXXX , which was a Saturday and they said that because the last business day of the month was the  XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the  XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.
I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.
Made several attempts to pay mortgage via phone payment using my checking and routing information. M & T representatives recorded and processed the information. I received no information about a payment not going through. I checked with by other bank to be sure the payment was withdrawn and it was not. I again made the same attempt with the same results. I was on hold with customer service to try and resolve the issue for approx 1 hr before terminating the call. I spoke with customer service later on and the only thing they were concerned with was if the residence was occupied or not. I have been victimized repeatedly by m & t in the past and charged over XXXX in fees because they do not post deposits and debits in a timely manner. In addition they want me to pay late fees and I assume will report to credit agencies for being delinquent on a mortgage that they would n't accept payment for. I spoke with my current bank and confirmed all the checking and routing information was correct for which it was. M & T is claiming I Gave them invalid account information. The emails I received from them contradict that claim.
My records associated with the account XXXX XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I already reached out to the credit bureaus and to XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.
I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.
XXXX sent funds to Bank of America 's routing number XXXX ( Receiver XXXX ) on  XX/XX/2018. Attached is the transaction information for the transfer of {$15000.00} on XX/XX/18. The trace number for the transfer is XXXX. 

My account at bank of america is closed but XXXX did not receive a rejection of funds. Pls check your suspense account to locate the funds