WillisBack/dataset-financial-user-claim huggingface dataset:
I sent Bank of America qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. XXXX, and The Gramm Leach Bliley Act, A TILA Request in compliance with the Truth in Lending Act and a Dispute of Debt and Debt Validation Letter in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and FIOA on XXXX XXXX, XXXX. My qualified written request was notarized by XXXX XXXX XXXX, XXXX Republic for the Commonwealth of Massachusetts and was sent certified mail number XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX XXXX, Litigation Specialist II on XXXX XXXX, XXXX stating that only XXXX pages were to be included ; however on XXXX pages were received and I have until XXXX XXXX, XXXX ( only XXXX day ) to respond or they will close the case. This letter had no contact information other than a fax number and the XXXX pages that they received was not included. I tried reaching out to Bank of America to contact XXXX XXXX and no one there seems know who she is. I have faxed the qualified written request to XXXX today and also attached the fax transmittal sheet as proof. Bank of America is acting in bad faith and is refusing to comply with my request. 
I am writing Bank of America to inquire about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, that Bank of America have sent, and the conversations with their service representatives, have been unproductive and have left unanswered questions. As a consumer, I am extremely concerned about predatory practices, specifically regarding this mortgage company or anyone who has any interest this matter. 

I am concerned about the possibility of potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices that may have negatively affected my credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
THEREFORE, I am legally and lawfully able to demand, and do demand, first hand evidence and information from Bank of America, pertaining to the original, uncertified or certified, security, regarding my account, # XXXX. Failure to provide this security will be confirmation that you had not created or owned one. Bank of America is not above the law and by law they have to comply.
I've been disputing a account that still haven't been verified it mines legally. I keep receiving copies of the same letters but no verification from original creditor that this account is mines. No signed contract or information of payments to show where this account come from.I deleted it once and it was deleted but then later reinserted with no notice that this would come back on my credit report.
i was charged by a plumber for a job he did not complete. it was a bait and switch scam. bank of american denied my claim against the charge because i did n't have another plumber do a inspection of the previous plumbers work. so i got stuck repairing the plumbing myself and the fraudulent charge.
I need help. Mr. Cooper has a trustee sale scheduled on XX/XX/XXXX for my family home valued at {>= $1,000,000} ( XX/XX/XXXX XXXX appraisal - old and market has improved since then ) and there is approx. $ 400K equity from sale after Trustee 's bid of $ XXXX. Excess proceeds would pay-off outstanding balances to IRS and HOA, then leave approximately $ 350K of surplus funds for me to start over and deal with significant health issues. During last recession, I depleted all assets, including 401K, so this is my only source for retirement savings/healthcare ( significant health issues since XXXX and continue- XXXX - like having XXXX XXXX every day ). The home is listed for sale at {>= $1,000,000} and several buyers put home in top two for  consideration, but pending Trustee sale date scares them away. 

I have not received proper notice the sale will not be extended again and Mr. Cooper has been unresponsive to my attempts to contact them over past few weeks. Also, my attempts to obtain a 'Surplus Funds Form ' have gone unanswered for months. In XXXX, I emailed Mr. Cooper 's attorney of record and receive email response stating their files were closed. ( see attached email string attached ). I requested this form from XXXX XXXX XXXX, handling the Trustee Sale, and they do not have one. No one seems to know where to get a copy of form? 

I asked for reinstatement amounts last XXXX and never received. Asking for same over past week via voice mail to Mr. Cooper, but nothing yet. Understand hurricanes have caused increased work for Mr. Cooper and workers overwhelmed. 

Respectfully request the Trustee Sale be extended to XX/XX/XXXX ( 60 days ) to  allow me reasonable time for a buyer to close. 

I have not received property notice due to lack of communication from Mr. Cooper and negative response from Mr. Cooper 's attorney, who stated 'file closed ', but today Mr. Cooper says file is open. Mr. Cooper 's attorney non-responsive to me. 

Please help - I remain in home and keeping it in tip-top shape. Interested buyers are afraid to move forward and feedback very positive - 'lovely home ' and 'well maintained '.
I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$91.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Despite my on time payments and credit score rising 100 points form XX/XX/XXXX to XX/XX/XXXX credit score was lowered causing utilization to rise and credit score to drop. Criteria used to determine the decrease was pulled in XX/XX/XXXXbut score used was fromXX/XX/XXXX without my authorization. Creditor directed me to contact XXXX who is not responsible for the decision. Creditor is Walmart/Synchrony.
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this property.
Since I have attempted to get validation of debt from CAPITAL ONE BANK OF USA NA but no luck this error is really affecting me applying for new credit
Dear President of MB Financial. 
Please be advised that my subject loan # was tagged with a 30-60 late for no reason on XXXX 2015. 
The XXXX check was deposit XXXX check # XXXX, ( It was 3 days before XXXX XXXX ) I have proof of each and every payment. 
I was trying to work out the details with your Customer Service Rep and I am getting no place. 

I am asking your help today.
XX/XX/XXXX after had hired a credit repair law firm in XX/XX/XXXX. My credit score allowed the due process to get a home finance. A loan. I applied with a XXXX XXXX XXXX. My first application on XX/XX/XXXX was denied, because a credit reporting agency had reported a XXXX collections. I owed no debt and the information was incorrect. I contacted the credit bureau reporting it and requested they remove it. I was denied. I returned a phone call to the XXXX XXXX XXXX office. I gave the documents that supported the right for the removal of the collections debt reporting on my credit report withholding the home finance application from due process. The XXXX XXXX XXXX - loan officer had contacted the Credit Bureaus and without incident it was removed. XXXX XXXX XXXX had gotten me the home finance approval as long as my credit report pulled XX/XX/XXXX had no debt /collections reported. The Credit report pulled XX/XX/XXXX approved the process of the home finance. I needed the small down payment for the purchase. etc. I was reported in collections with a payday loan XXXX XXXX XXXX   XXXX redress XX/XX/XXXX. The personal down payment loan assistance and investigation for the return of theft of account going back to XX/XX/XXXX expired the home finance approved XX/XX/XXXX. On XX/XX/XXXX I was notified of a data breach going back to XX/XX/XXXX. XXXX XXXX. In review of credit reports for XX/XX/XXXX & XX/XX/XXXX the information reported by XXXX XXXX XXXX in the collections debt retains 4 debts. Yet on that date of the Inquiry 's it was expressed that XX/XX/XXXX the home finance was approved to process the application and pay the down payment. Down payment was needed so i applied for what i am applicable for in reference to a credit card, financial, tax identity theft indicator prepared by the Department of Treasury. IRS going back to XX/XX/XXXX placing a id theft indicator on account XX/XX/XXXX with credit repair in XX/XX/XXXX for the having of a credit score for the personal loan for down payment assistance. I had no intentions to have to go back to XX/XX/XXXX to remove fraud and etc the FTC XXXX settlement. I contacted XXXX XXXX XXXX in reference to the above information assisting i the undersigned in contacting a company. : XXXX XXXX for my credit report XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX are unable to provide me with a copy or letter affirming its assistance in removal of a debt and therefore the 2 credit reports furnished by XXXX are as equal to provide customer of each credit report on the dates of my 2 credit Inquiry were XX/XX/XXXX & XX/XX/XXXX. : XXXX XXXX XXXX if followed by more XXXX XXXX reporting inquiry to be removed in XX/XX/XXXX. Data Breach XX/XX/XXXX XXXX XXXX credit reports for XX/XX/XXXX and XX/XX/XXXX state totally other than the home finance inqury 's a application. as processed in the information provided.
Listed below is an email I sent this organization yesterday and today.     In  XXXX     2017 I  purchased a TV using a  XXXX    XXXX   and my Rush pre-paid debit card that I have my payroll load every other week. The TV became defective and  XXXX   XXXX  allowed me to return the TV for a full refund. Instead of using the  XXXX   XXXX  the sales associate put the full refund back on the  Rush Card be cause the sales clerk was having issues with the system. I never knew this was a violation for  XXXX  or cause an issue with m y Debit Card. When I went to use my card the following day I found out there was a hold on my account. Instead of the co mpany placing a hold just the refund they have frozen the complete account including my payroll funds. For the pa st three da ys I have not been able to reach anyone from the company. The customer service agent in a third world country is unable to help me. After sending o ver 100 emails I fin ally, did receive a response from their office. I was told from a  XXXX  to fax in my id and original receipt which I do not. All I had was the receipt of the transaction that happen ed two da ys ago.     At this point I ask that your company do a complete investigation and hopefully help me with having the hold released on my account.     EMAIL sent to the  Corporate offi ce.   To Whom  it may concern : I have been a customer with Rush Card for sev eral years and since this organization has a license with your company, I feel this issue needs the utmost attention. A few days ago I had returned a TV at  XXXX   XXXX  due to this item being defected. The transaction was processed and a credit was posted to my card. This is where the issue begins. On Friday the  XXXX  of  XXXX  any transactions I have made using my card were denied. I have tried to reach the customer service department, however they are located in the  XXXX  and they do not speak English. Apparently, RushCard and  XXXX  has my account on hold and blocked all of my transactions for some bizarre reason. I was told to call the corporate office because I had a credit post to my account? Apparently, the corporate office is not open or there is no one in the  XXXX  to resolve this issue. I have called every number that I can find with Rushcard and no one is available to help its customers. Since, Rushcard has ruined my  XXXX   XXXX  weekend, and unable to visit my family, this will become a public relations nightmare for everyone.     I completely understand about security with a bank and a credit card, but this company should not be able to just freeze an account without calling its customers. This is not customer service nor how a bank should treat its customers. I hope your organization will revoke its license with  Rush Card. Y ou would think that after the   XXXX   dollar lawsuit and a new CEO this organization would learn how to treat its customers.
I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. 

Fraudulent marketing specifically to mislead consumers.
On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.
XXXX XXXX, 2017, I found out that my personal data was compromised by the Equifax data breach. I tried to add a security freeze with all three agencies. I received error messages by all three - I believe because I am new to the United States and have a short credit history. However, I was able to add this freeze to XXXX and XXXX by phone. When I tried to do the same with Equifax, they provided no option to add this by phone. They requested that I mail in my social security number, name, date of birth and credit card details to a XXXX XXXX XXXX - which is highly insecure. I called the hotline for the data breach issue and was told that they are n't Equifax, they 're contractors and they ca n't provide me with a customer service number for Equifax, that I should XXXX it. I found a customer service number online that 's only active during the day Monday to Friday. My data is stolen and I have to wait three days to do something about it? 

I tried instead to add a fraud alert so that any issues could be prevented right away, and again I could n't do so online or by phone and I was requested to mail in the information - including a photocopy of my social security card! 

This is highly unprofessional and negligent of Equifax. In my opinion, I should have automatically received a security freeze at no cost - and now I 've spent three hours dealing with this, and I have no guarantee of resolution. Further, I have to risk further compromise of my data by sending in my information by mail to a XXXX XXXX , which means I ca n't send it by courier for sign on delivery. 

In sum : - They allowed my data to be stolen - They are not offering any remediation to protect from abuse or identity theft ( credit monitoring is reactive. They will tell me if something happens after the fact and I will have to invest the time in the remediation ) - They are not contactable - They are not honoring a request for a security freeze or fraud alert to be placed immediately on my account - They want me to further compromise my data by sending all of my personal identifiable information by mail to a XXXX XXXX XXXX, which eliminates the ability to send it by courier and getting a name of someone who signed for it - They do not provide the time lapse between a mail in request and when they will actually place the freeze. So if I risk sending my information by mail, there is no timeframe to resolution It 's criminal that these credit reporting companies have no oversight or governance. They have the most sensitive data of nearly everyone in the USA and they are being negligent with it. And there is no means of remediation.
I received a bill from debt collection company in the name of Van Ru Credit Corporation I advised XXXX in fax several months ago that I had went XXXX and that I wanted to be placed in the service members relief act regarding my bill. As of today 's date I have never heard back after sending in paperwork regarding my XXXX status.
Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.
On XX/XX/XXXX I had a hearing in Bankruptcy Court the judge order the servicer to re-file a Notice of sale of my property which is time frame of 90 days so I had enough time to either apply to modified the loan or sale my property because I have equity. 
They never file a new Notice of Trustee 's sale. 
So I apply for modification of my loan and a 3er party XXXX was able to help me to submit the complete package on XX/XX/XXXX when I follow up on the XXXX I was told that they could not review it because the package has to be in the office 35 days before the sale also she mention that they had sent me a letter explaining the detail on the denial of the review for modification, well long and behold they lie they did not had sent out the letter because the next day XX/XX/XXXX I call back again and talk with different agent he mention that they had not sent out any letter, that I had assign a single point of contact and he provide me her information name, email, and extension number. 
Two hours later I call back to reach my point of contact but she was not available so that new representative inform me that a letter was sent out because they can't review my loan modification do to the policy of the company that it had to be received 35 days before the sale date, I ask to email me a copy of the letter and she sent it, I am attaching it.
On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.
Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people.
Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. Sub Servicer Bayview Loan Servicing purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. Sub Servicer Bayview Loan Servicing has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
XXXX The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''