WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.
Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.
For several months, I worked with XXXX XXXX, a loan officer for the American Financial Network. He pulled my credit 4 times, got me pre approved for an FHA loan and gave me some advice on how to increase my credit score. In the end, I could not be approved because I had a federal student loan that was in default. This was a fact that he should have known in the beginning, when I explained to him that I was in default and would be for 9 more months. He pushed anyway, telling me that the federal loan default would not prevent me from getting a federal loan. By the time that the loan was rejected because of the student loan defaults, XXXX supposedly ran a credit simulator and instructed me to call several creditors with debts I had paid off and have them removed from my credit report. At my time and expense, I did, and was rewarded with a 105 average drop in points on my credit scores, due to having less credit accounts and length, and to the many inquiries. After talking to all 3 credit agencies, at even more expense to get counseling on why my credit score dropped so drastically, I was instructed that the only thing I could possibly do was to get some of my inquiries removed. I contacted XXXX, he apologized profusely for not realizing his error with the student loan default before wasting 7 months of my time house searching and all, and agreed to seek deletion of my inquiries that he made. We had a conference call with an agent of the credit pulling company they use, and she instructed him to write a letter, which I would submit to the agencies, and the agencies would contact her to get the deletions done. He wrote the letter and sent it to me, however, he was mistaken, again, this time about how many inquiries were made. The letter he sent me reflects to delete XXXX inquiries, however, there were XXXX. XXXX XXXX no longer works for AFN. I was forwarded to a XXXX XXXX, where I explained the damage done to my credit by XXXX. XXXX said that he would not help me with a letter deleting the inquiries made in error.
Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.
XXXX XXXX has been reporting a negative information on my credit files with credit reporting agencies under account number XXXX. It is manipulating account data details of the said account on my credit reports with credit reporting agencies in a way that 's causing my credit score to constantly and substantially drop in a absence of any new derogatory information. This is an extortion tactic to extract money I do not owe. Since XXXX XXXX XXXX XXXX has been reporting a negative account on my credit reports under different account Types : Factoring account, debt buyer, collection account, open account ... .In XXXX XXXX it reported the same disputed account that was already on my credit report since XXXX XXXX as a new collection account causing roughly a XXXX points drop in my XXXX and XXXX credit scores. Recently in XXXX I disputed errors with account details with credit reporting agencies mainly with XXXX and XXXX providing evidence that they were reporting inaccurately compared to Experian. When the XXXX agencies forwarded the Experian credit report I supplied as evidence to XXXX XXXX, suddenly on XXXX XXXX I was alerted of a XXXX points score drop on my Experian credit report even though no derogatory information was reported on my credit report with Experian. On XXXX XXXX my Experian score was XXXX, on XXXX XXXX it dropped to XXXX without any reason except what I suspect was data manipulations by XXXX XXXX. XXXX XXXX also caused a further drop of about XXXX points on my XXXX credit report by pulling the account around XXXX XXXX and reinserting it the next day making the account impact my credit as a new derogatory account. I was aware of this shenanigan when XXXX alerted me that XXXX was no longer listing the disputed collection account on XXXX XXXX but then the account suddenly reappeared and was reported on XXXX XXXX on my XXXX credit report. It is abundantly clear to me that XXXX XXXX is manipulating account details ( terms, status, dates, etc ... ) to make the disputed negative account perpetually appear on my credit reports as a new derogatory account. There is no other reason that can explain the substantial drop in my credit scores. 
In addition to data manipulations, XXXX XXXX which has had no dealings with me has been falsely reporting account payment history for that " debt buyer '' disputed account with credit reporting agencies. It also has been reporting an open collection account from an alleged charged off account they supposedly bought from XXXX and with past due amount even though I 've never opened an account with XXXX XXXX and never had a contractual agreement to make monthly payments at a certain date on the reported negative account.
I contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.
I noticed collections on credit report that I do not recognize or owe. I mailed the 3 major credit bureaus on XX/XX/18 via certified receipt and Account Numbers XXXX, XXXX, XXXX and XXXX were immediately deleted, however, Equifax was still reporting the accounts. I contacted Equifax again because I never heard back regarding these accounts XX/XX/18, certified receipt again and they investigated this time and verified as accurate. I mailed Equifax again because theres no way these accounts are verified as accurate, especially since Equifax isn't even reporting the Collection Agency names on my credit report, it only has the Account Numbers listed on my credit report. I requested Verification procedures and documentation because at this point, I would like to know what and why these accounts are on my credit report. To date, Equifax still has these accounts reporting and have not investigated further nor sent me any information regarding these accounts. Per Section 609 of the Fair Credit Reporting Act, this information is to be provided upon request. These accounts need deleted. I've tried to be patient, but this is ridiculous! These accounts need deleted from my credit report.
Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.
I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have.
Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Evans & Green, LLP in XXXX, MO was hired around XXXX 2017 to collect a debt from our business regarding advertising with a local tv station - XXXX aka XXXX XXXX XXXX. 
During the attempt to collect the debt this law firm as repeatedly come into both retail stores taking pictures, harassing employees telling them that the store will be closing because all assets are being seized, harassed employees over the phone. 
Now as of today this law firm has posted defaming comments on both stores XXXX pages on all of the posts attempting to announce the unpaid debt to all of our companies XXXX fans and customers. The posts appeared 21 times throughout both XXXX pages. 
This is clearly a violation of privacy and a violation of the Fair Debt Collection Act.
Car Care One account closed on XXXX XXXX, XXXX for no apparent reason.
I was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.
XXXX 's XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??
Overlooking my financial info and predatory lending practice against elders. Modifications mistakes and delays.
Call my workplace at least XXXX a day after I have told them that I can not have calls at work. They have not identified the name of the company where they are calling from, so I only have a telephone number.
Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.
I have updated XXXX-Synchrony using the online account message center while I have no money or income. Often as soon as I post an online update of my job search and prospects, the company will begin calling twice an hour to my mobile and home XXXX which continue for multiple days. The call is from an automated system that only provides account status and past due amount and payment options ( no attendant. ) I realize this action will likely terminate the online message center ( the usual tactic by Synchrony ) but the calls, which included two after XXXX are not productive for either of us while I am not in position to make the payment. I prefer correspondence online
I am a Florida resident and former homeowner ( who just sold my home XXXX, XXXX ). I had filed for a home loan modification under the XXXX XXXX bailout " HELP FOR HOMEOWNERS '' in XXXX, XXXX ( after Bank of America was bailed out by the federal government and given hundreds of billions of dollars to HELP HOMEOWNERS ). 

Bank of America however never helped me. All I requested was that my original home equity mortgage payment of {$340.00} a month be restored. However Bank of America increased my mortgage payment threefold to {$1200.00} a month and threatened to foreclose on my home. In good faith, I listed my home for sale, successfully sold my home XXXX XXXX, XXXX ), and paid off the Bank of America equity line mortgage in full. 

However upon the closing statement with Bank of America, I see the following fraudulent charges I am now disputing and seek to be refunded in full by Bank of America XXXX and along with treble damages ). 

- Foreclosure Fees {$260.00} - Uncollected Fees {$1900.00} - Subtotal {$2100.00} Total times 3 ( for XXXX damages for consumer fraud ) = {$6500.00} My loan number with Bank of America is XXXX. My case number with Bank of America 's escalation department is XXXX. My closing statement wherein documentation as to my having paid off Bank of America in full ( along with their fraudulent fees, documented above ) is herewith attached. 

I have repeatedly phoned Bank of America speaking to the following representatives in the mortgage, foreclosure and " customer service '' departments XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all of which thus far have done absolutely NOTHING ). 

Please investigate Bank of America for bank and consumer fraud as this type of activity has been going on for years, which I have personally experienced with the lender XXXX bailed out by the federal government and simultaneously lying to, deceiving and defrauding American citizens throughout the nation daily ). 

Bank of America must be brought to justice and a class action lawsuit commenced to ensure defrauded citizens are repaid and monies stolen by Bank of America returned and restored to hardworking American citizens. 

Respectfully, XXXX XXXX XXXX XXXX www.Linkedin.com/in/worldproperties XXXX XXXX XXXX is a certified Florida XXXX XXXX, XXXX XXXX XXXX, Wellness Trainer, XXXX XXXX, and Author of more than 20 books who has touched 76 countries serving the U.S. Military, Companies, Cruise Lines, and Universities across the globe.
I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.
We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.
Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.