WillisBack/dataset-financial-user-claim huggingface dataset:
A " Deed in Lieu of '' package was sent to me after a 2nd failed attempt to get buyers for the Short Sale of a rental property. My realtor had requested this additional time for the Short Sale since we had a buyer within {$5000.00} of Bank of America 's asking price. Once I read the entire " Deed in Lieu of '' package and realized my obligation would be to leave the property in the condition requested and pay taxes on the amount Bank of America stated in the documents would be reported to IRS, {$3800.00}, I agreed to move forward with this option. Before signing the documents, I called Bank of America, Deed in Lieu of department to verify the Tax amount to be reported to IRS and was told it was accurate. 

The actual XXXX I received last month indicates the amount of debt discharged is {$63000.00}. I called Bank of America to discuss the discrepancy and was told the Deed in Lieu of Dept. made a mistake with the Tax amount. I was told to disregard it and the XXXX was accurate. I argued if I had known this my realtor would have been more aggressive in getting a buyer since we were so close to the Short Sale asking price. I was told it did n't matter. I want to know if I have any recourse with Bank of America and can they be made to lower the amount on the XXXX? 

Let me know if you require anything else. Thanks for your assistance. 

XXXXXXXXXXXX
I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.
As a military verteran, I attempted to refinance my existing home loan with USAA XXXX XXXX. I initiated the process in late XX/XX/2017 and worked with XXXX XXXX. During the process, I provided extensive information regarding my income, debts and the value of my home. USAA completed an appraisal and provided no less than three good-faith estimates of my anticipated closing costs. At most, the estimates for closing costs were no more than {$5500.00}. 

Two days before closing, I received an " updated '' estimate that placed closing costs at {$64000.00}. XXXX XXXX refused to explain the discrepancy and blamed it on an " underwriting decision. '' She promptly closed my loan file when I refused to pay the {$65000.00}. 

I wrote a complaint to the USAA Chief Executive Officer, who referred the matter to corporate representative XXXX XXXX. XXXX XXXX admitted that XXXX XXXX had made an error and explained that my case " would be used in training '' USAA representatives. Beyond the error, XXXX XXXX declined to make any corrections to the loan file or otherwise assist me. 

I believe that changing the loan terms at the last-minute, without any chance to address these issues, constitutes predatory, bait and switch lending under California and federal law.
I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.
Select Portfolio Servicing XXXX Inc., aka SPS charges a fee to pay your mortgage online of {$15.00}. In addition, when you do pay this fee SPS does not show it on your mortgage statement. They should not be allowed to charge someone to make their mortgage payment and if they so they should be required, in writing on the statement, to acknowledge that such a payment was made that did not go toward your mortgage or escrow.
I paid my account on the XXXX of XXXX - Capital one did not credited the payment until the next day which result in a past due fee. This is not my fault, I need this fee removed from my account. This happens often with this company.
After my loan defaulted, and it went into defaulted payments it was n't explained as well when Navient took over my loan again they put additionally interest rate, making again my payments higher than able to afford, almost wanting me to default again. Additionally I made a payment to the department of education, and it was n't given notice notice Navient had taken it over, so I called explaining I had made this payment already to the department of education Navient representatives told me all I had to do was show proof I made the payment and Navient would take care of this I was told this 3x I provided proof from my bank and now they are telling me I have to recover the payment from the department of education. Now I still have a late payment and it appears again they want me to default.
In     XX/XX/XXXX , my car was totaled and I had to resign from my position as a result. I called Navient on  XX/XX/XXXX  and paid {$150.00} for a 3-month forbearance, but the forbearance would cover the two months I was past  delinquent (   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX ) and I  would have to call again  in  XX/XX/XXXX . I   moved in with my aunt in  XXXX , PA on   XX/XX/XXXX  and have not found a job as of yet. I did not have savings, so what I have from my final paychecks is depleted. I called Navient today,  XX/XX/XXXX , and told them I am unemployed and do not have {$150.00} for the forbearance. They informed me that if I was n't in   school or could n't pay {$150.00}, they could not stop my payments. I asked the representative to please record that I had called and informed them of my situation and tried to resolve it. I have   XXXX   co-signers : My father,  XXXX   XXXX , and my grandmother,  XXXX   XXXX . Neither of them are in contact with me right now because I went into delinquency with  Navient la st year due to financial issues and they became angry with me because of it. In   XX/XX/XXXX , I  ended a long-term relationship and moved into an apartment on my own. I also bought a car. These decisions were not financially responsible, but I bear all of the blame for them.
I have submitted dispute to the three credit bureaus to verify this account. On three separate occasions this account has came back verified by XXXX  and XXXX. XXXX   sent result stating that this account was not verified and it did not belong to me and it was deleted. If XXXX  was unable to verify this account how is this account verified by XXXX  and XXXX? I request that this inaccurate unverified account to be deleted promptly from XXXX  and XXXX. If this account is indeed accurate and valid I request the original signed contract with my original signature.
My husband and I sold our house with a short sale on a closing date of XX/XX/XXXX due to extenuating circumstances. The mortgage was held by Wells Fargo and the closing completed by the law firm of XXXX in XXXX, CT. Wells Fargo did not process the closing correctly and I received a negative report on my credit stating that my husband and I were late on mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. We did not own the house during these months. I disputed this through Wells Fargo and they denied my claim and put a Compliance Condition Code on my Credit Report. I asked to have this code removed from myself and my husband 's Credit Report. Wells Fargo told me that I could only have the Compliance Code removed if I agreed with them about their findings. I told them I just wanted to the code removed. I was informed by a XXXX that upon removal of the code, my credit number would not be effected. The code was removed and within 1 day my credit score dropped over XXXX points as reported by XXXX on XX/XX/XXXX. Comments were added and changed on my credit report. Now, my husband and I still have the late XX/XX/XXXX and XX/XX/XXXX payments for a house we did not even own and I have a worse credit report than before I filed the dispute.
I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?
I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.
My Mortgage was sold to a servicer. I have called several time to find out where to make my next payment. XXXX XXXX XXXX will not give me the address or a phone number to reach out to the new compmeany. I only have one week left to make my next payment on time. 
I have looked the new company up on line and found a phone number, but when you call it, and go through all of the prompts, there phone hangs up on you. I was one month ahead, now I may be late and or one month behind.
Debt with XXXX XXXX XXXX XXXX has be re aged. Account was opened in XX/XX/XXXX is showing opened on XX/XX/XXXX. Account was not validated and should be removed as soon as possible.
On Friday XX/XX/XXXX @ approximately XXXX XXXX I called into Chase in spoke with a XXXX. I informed XXXX that i believe my daughter was about commit fraud on the bank account we both shared. I explained to her that my daughter was a run away and that i seen something in her inbox on social media something about using her debit card fraudulently and could she close the account and debit card out. XXXX   informed me that I could not close the account or debit card out and that it was nothing she could do because the fraud has not yet been committed. I went on and asked what the heck she meant she couldn't close the account or the cards. Im explaining to you that my daughter is a run away and is fraud is about to be committed fraud on this bank account and I'm trying to prevent it. I argued back and forth with XXXX about the closing of the account because i would be the responsible party, shall any fraud happens, XXXX finally agrees to close the account. 5 Days later i log onto my account and notice that and negative balance for XXXX is placed on the high school checking. I do some research and find out that, the card or the account was never closed. On or around XX/XX/XXXX a deposit was made in the form of a check wrote out to XXXX XXXX in the amount of {$1400.00}. I immediately contacted the bank and explain to them about the conversation I had with XXXX and that the account was been closed. At that point they informed there was already a dispute in process not to worry. About a week or so later I recieve a letter in the mail stating that i owed XXXX plus applicable fees. I should not be responsible for her fraud. I did my due diligence by contacting chase trying to prevent the fraud. Furthermore I was lied to and was told that account were closed. I been with Chase for over 10 years and I have never had an issue like this. I have the recorded call to chase on the night I was told that the account was closed.
Dear CFPB ; I buy and sell a lot off collectibles on XXXX. Today I noticed that Capital One had charged me a cash advance fee on an XXXX   purchase of {$1700.00} last week. I called them and then spoke with a supervisor who said nothing could be done with the added charge in excess of {$50.00} plus high interest. They said it was XXXX 's fault that put it through as a " cash advance ''. I asked the supervisor how she had seen such problems resolved in the past, she said she didn't remember. 

Then I spoke with XXXX including their specialist who said it was just a computer algorithm that executed the transaction, that there was no difference with other transactions that I had done without any fees through XXXX. I have been paying off Capital One as quickly as I can on a monthly bases incurring no extra interest fees. I'm including a copy of recent transactions. 

XXXX XXXX
U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXX, GA XXXXTrans UnionXXXXXXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Hello, In reviewing my Transunion account, I noticed 29 inquiries ( extremely high ) compared to the 9 inquiries with XXXX and XXXX.

I contacted Transunion onXX/XX/XXXX for a request for investigation of unauthorized inquiries. I advised Transunion, via letter, that I had contacted these company to no avail and am now requesting that Transunion investigate the inquirires on my credit report to determine who authorized them and once their investigation is complete, if they find my allegations to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report.

According to the Fair Credit Reporting Act, Section 604, a creditor should not have access to a consumer 's credit information unless the individual, themselves, gives written permission or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

I am requested ( an originally requested onXX/XX/XXXX ) that the below inquiries be investigated and removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX  - XX/XX/XXXXIf you have any questions or concerns, please feel free to contact me.

Thank you, XXXX XXXX
AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX),  I  have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time. 

I find this absolutely unacceptable and asked them to either XXXX  or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?
I have contacted Equifax servel times regarding the Inquiries that I did n't authorize all I keep doing is telling me to contact the companies and when I contact the companies they can I find inquiry at the 1 year
The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.
I had a mortgage with XXXX, they purchased my mortgage from another lender. My taxes were never included in my mortgage. XX/XX/XXXX I fell behind a couple of payments, My mortgage payments were XXXX per month. In XX/XX/XXXX and XX/XX/XXXX I sent double payments to catch up. Citimortgage at this time paid some property taxes on my mortgage. Then they took the payments that I sent them for mortgage payments and applied them to taxes they had paid. They said my mortgage payments were now XXXX because they had paid the taxes and I was four months behind on my mortgage because the XXXX payments were not enough to cover the mortgage. I told them that if they were going to escrow taxes that it had to be a change in contractual items not just because they wanted to. Also that it was fraudulent to take payments sent for mortgage payments and apply the to some thing that was not included in the contractual mortgage. I never stooped making payments. I started sending XXXX to cover the XXXX they were paying on my property taxes. I did this because I did not want to get behind on paying my mortgage and the taxes they were paying. I filed a claim with the attorney generals office of New York state. XXXX then sold my mortgage to BSI Financial Service XX/XX/XXXX who I shared this information with who the started saying that I was four months b ehind on my mortgage also. Now BSI is Stating that I need to pay XXXX a month projected increase in property taxes, even though the value assessed by the city and county has decreased.
The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly 2k in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.
Today, XX/XX/ 2019 I was notified that my credit scores had dropped significantly. I found on my report 3 of the same loan, just in different amounts, from nelnet on my credit report as missed payments for 90  days. My school loans are all deferred and should NOT be on my credit report at all and should not show up as three different occurances, which lowered my score even more. If my school loans are deferred, they should not be on my credit report at all and not on three separate statements. I re-submitted all of my information through nelnet to show my school loans as current but they stated they cant take the marks off my credit report!!! They need to be taken off since they should not have been on there to begin with!
I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Portfolio Recovery Associates ( PRA ) calls me on a regular basis. They never leave a message if I let it go through. They hang up if I answer. If I call back, they ask about my PRA account, of which I have no idea as they have left no information about why they are calling, or given me any account information. I want to take legal action against them. I have blocked many of their numbers, but they call from locations all over the U.S.
XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of XXXX