WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Complaint regarding lack of notice for transfer of mortgage account I have a mortgage account with bank of America since XX/XX/XXXX. Today ( XX/XX/XXXX ), I attempted to make a payment online and I could not as the account was not available. I called the mortgaged department and, I was informed that my account was sold to another mortgage company. I asked how the decision was made without any notice and having to find out that day. I explained that to the representative that in the last month ( XX/XX/XXXX ), I called several times to discussed mortgage payment, check received, and possible refinance option and, not one time has someone even mentioned it. The representative stated that a letter was sent on the XX/XX/XXXX. I explained that I have not received any letter as of XX/XX/XXXX. I was transferred to the debt collection department and was informed the account was that the account transferred was a request from my ( investor, FHA ). The representative explained that they had 30 days to notified me but yet, the alleged unreceived letter was sent out on the XX/XX/XXXX given me 15 days of notice. I contacted the FHA resource center and, I was informed that they do not make such request for account to be transferred to other company as it is the lender 's doing ; the bank just need to notified the HUD national. I am filling this complaint because Bank of America failed to give me proper notice of their decision to transfer my account and gave me false information. Bank of America has violated my right to received proper notice before such action was completed.
I declared Chapter XXXX bankruptcy and the servicers of the student loans were included in the discharge. Regardless of " type '' of loan. The document says they were discharged. It does not specify that the loans were student or not, but a minor disclaimer is all that is included. It is beyond unclear, and this is reaching a territory that is creating a very difficult situation. I am thinking of never working again because of the legal process in place. 
This uneven and unequal economy progress has left me without a decent job, and has made it difficult to find any faith and trust in repayment of the studies that I am coming to realize are for me to act as a slave to your economic engine. 
I am becoming quickly an enemy of the state and am now looking into which nations I can go to and claim financial burden as a reason to seek asylum. It will end the dynamic relationship of my family moving to this country over the years, but at this point the unrealistic expectations set by federal policy and not protecting citizens has essentially established a poor state, and this is violating my constitutional right. 
I need assistance, support in clarification and I am demanding the support needed to redefine the rule under which student loans are managed. 
Discharge should be available just like every consumer loan. Student loans do n't always pay tuition. In my case my debts paid for my housing, my food, and other related expenses while I was studying. They are more like consumer loans and they should be discharged as such, but due to the excessive cost, confusion, and the downright cruel and unusual punishment based on the lack of access to the necessary body I am finding that I hate my government and under my own constitutional right will sign for any and all access to foreign government agencies to government and protect me under their rule of law vanquishing the territorial control of the US, it 's leaders and the constitution that is governing this, thus establishing unjust policy. 

I lost my job in XXXX, I have been dealing with XXXX, and am at a point that I have no faith and trust in the workplace, and in the US Dollar. I am at a point that I declared bankruptcy because I felt overwhelmed and incapable of repayment. As student loan debt is permanent, I have grown frustrated further and have given up on furthering my education, and am not going to work anymore because it is a taxation on me through interest that is paying a public loan servicer. This is a huge violation of the constitution and I do not care what punishment is part of it. The politicians and banks are in collusion against the taxpayers. Thus, I am not paying back anything now. I will declare a civil war before I do. Thus, I will be XXXX, and will request international guidance and their involvement to restrain the XXXX Government against genocide of those seeking to elevate their knowledge to build a better life and that the Republicans and rich sought to destroy the potential growth of the economy through usury. 
XXXX nation. Especially now.
Equifax has alot of credit inquiries that I have not authorised. 

XXXX XXXX /misc reporting agencies on XX/XX/XXXX XXXX XXXX  XXXX XXXX national credit card cos on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, Ca.XXXX on XX/XX/XXXX XXXX XXXX/ misc.reptg agencies on XX/XX/XXXX XXXX XXXX, oh. XXXX on XX/XX/XXXX XXXX/ XXXX  , Ca. XXXX on XX/XX/XXXX Ive tried numerouse times to file a dispute but equifax wont recognise my account. It does recognise my account if Im trying to see the status of a dispute. Ishould be allowed to access my own info when I provide all my personal info. I cant even log in to get my free credit report. XXXX XXXX is the only way I can see my equifax info. I did not authorise the inquiries so they should be immeidiatly removed from my credit report. The other credit reporting agencies do not show but 4 inquiries and equifax is inaccurate by stateing I have 11 inquiries. Im trying to get accurate info and a decent  score as I am a XXXX XXXX year old trying to get into a nice min. XXXX XXXX XXXX.
I had a payday loan with a lender, XXXX. They are tribal entity. It was a {$200.00} loan. On 2 separate occasions ( 1 I recorded and will attach ), I asked XXXX XXXX to take out the full amount owed on my next pay date. They did not do so either time, only taking out a finance fee. I noticed they were doing this so that they can continue to take out only the finance fee well past the amount I actually owed. As a result, I contacted XXXX and told them I considered the account paid in full and I closed my checking account. 

Apparently, XXXX has now sent this account to collections, Allied Collection Services in XXXX XXXX. This company has submitted negative entries onto my credit reports stating I still owe XXXX XXXX and it 's absolutely not true. Not to mention the fact they are reporting a trade line for a TRIBAL payday loan, which is illegal. XXXX violates Louisiana 's usury rates for payday loans.
I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.
Wells Fargo and XXXX XXXX XXXX have opened accounts using my previous information at a time when I have banked with each of the banks at one point in my life. Employees From both these branches have re opened account without my permission to gain monthly bonuses and meet the monthly requirement as an employee, the banks also gained off victims like myself by opening fake accounts it showed growth in banks overall gained interest in stocks to go up, collected fees from fake accounts, caused my credit score to drop damaging my life. Wells Fargo has offered to settle the matter with a refund that I dont agree with. The amount is low for the all the harm these banks have caused my family. I wanted to settle the matter in court but unfortunately these banks are protected from doing so.
DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.
Dear Sir, I have been observing in my XXXX XXXX report that XXXX   XXXX/XXXX  reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX  balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX  credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.
In XX/XX/XXXX i sent a dispute to XXXX about XXXX XXXX XXXX. In the dispute letter I stated that all judgements had to be removed from all 3 credit agencies as of XX/XX/XXXX. I attached a copy of my final judgment from an eviction from XXXX XXXX with no balance owed. Then i received an update credit report that said this dispute has been verified an updated with no changes. So in XX/XX/XXXX I sent a letter to XXXX with a copy of my XXXX  report of them following the new law in removing this Judgement off my credit file as an collection. I still received AGAIN another credit report of the result to my dispute as verified an updated. XXXX has yet to show me proof of them verifying this account or even Following the new law that they had to remove all tax liens in judgement from credit report to show credit worthiness. I feel like they are not reading my dispute nor followin the guidelines of FCRA that has been violated.
After filing complaints about 1 month latter Huntington Bank has done the same thing of doing overcharge fees on items I dont have. Including charging me twice for same item then charging me overcharge fees. Also they received a complete account audit letter from my attorney and me but havent done audit. In conclusion, still from previous complaints I havent found out why a electronic check was cashed listed as paid then a week later disappeared from account and listed as unpaid but I never was notified and still havent been refunded. Nor has what happened been explained, which a audit should do.
I received on my credit report a collection for XXXX XXXX. I called the collection agency numerous times to tell them this debt was paid. They keep saying it was n't and send me all my XXXX XXXX bills. This account was paid when I was gong to put XXXX in my home and XXXX XXXX told me I had to take care of this bill before I can get XXXX in my home. So I agreed to have two bills one for XXXX and the other to pay the XXXX XXXX bill off. I finished paying this bill off a long time ago. They refuse to take this off my credit report.
XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document
I had a over draft fee and NSF fee issues with this institution..Branch manager was very rude constantly wanted to cut me off and asked for her superior whom she referred me to XXXX XXXX as the regional manager ... XXXX XXXX calls me the next day after my initial call to him and escalation email to the banks XXXX and he calls me and does the same thing ... .constantly cuts me off without allowing to get my point across and its either his way or the highway and does not like to be questioned ... ..he then tells me I have 10 days to close my account or he is gon na close the checking account for me. This bank 's problem seems to trickle down from leadership to the branch manager as if it is ok for the branch manager to be rude to their customers since the regional manager believes he can be rude and constantly cut me off ... .I reached out to the parent company Zions bank which pushed me back to the president of the Nevada state bank XXXX XXXX and gave me a # to call which I did and a guy picked up the phone and said he is the chairman of the bank and he has seen my email and someone named XXXX will contact me. I do believe XXXX XXXX did not like me asking him the actual procedures and federal laws that over the entire process and I do find him that he is either using my race against me or perhaps has personal issue with someone escalating to the office of the president and then is making a decision for me to forcefully close my account ... ..I get to decide to close my account if and so I want to do such not XXXX XXXX unless my account meets the banks policy requirements being in the red for so many days and they can force the account closed due to negative funds ... I am requesting that XXXX 's XXXX decision because he just decided to close my checking account to be denied as well as requesting the bank to provide written policy for business checking account over draft fees and pending transactions as well as written Policy when can the bank close a checking account at their sole discretion. I do believe XXXX XXXX from Nevada State bank is using race in this decision and none others besides the fact I asked him to provide such information in writing and the fact I asked him not talk over me while I am telling him my issues ... So far from the branch Manager to her immediate supervisor who is XXXX XXXX very rude, unprofessional and XXXX possibly and not like being asked questions about federal laws and written policies.
Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.
Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. 
Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.
Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.
I applied for bankruptcy and filled but as I filled I paid off all things before submitting and they still said I went through bankruptcy.
Filed for Chapter XXXX bankruptcy XX/XX/XXXX Loan servicer ( Ocwen ) offered a modification XX/XX/XXXX. The modification was to begin XX/XX/XXXX. It was to end XX/XX/XXXX. 
Accepted modification completing all specified steps required to do so. 
Mortgage payment statement changed XX/XX/XXXX. 
XX/XX/XXXX the Ocwen statement increased by over {$1400.00} US. 
Ocwen stated that the period of an interest-only agreement had ended. 

We agreed to a modification not a 5 year only interest only agreement. I am making the payment ( XXXX ) consistent with the modification agreement. I have retained in hopes that the matter could be resolved quickly without destroying mat already-poor credit rating. Both the lawyer and the servicer are unresponsive. Meanwhile it looks as if we may lose our home. We are receiving frequent notices of default.
This number calls me repeatedly and says I owe a debt and they are taking legal action. I dont owe a debt and they leave nasty messages on my phone. They wont say who they are just say legal department
In XXXX, our taxes were {$3100.00} and our home owner 's insurnace was {$800.00}. At the end of XXXX, we were refunded money from our escrow account. 
In XXXX, our taxes decresed to {$2600.00} and our home owner 's insurance increased to {$980.00}. 
We received notice XXXX that we had an escrow shortage of {$2.00}, XXXX. 
I do n't agree with the consequences falling on us if our escrow has been miscalculated. 
Freedom Mortgage conducted another escrow analysis and stated they do not determine the escrow amount. I was told RESPA calculates.
Rushcard was supposed to do an update Monday XXXX XXXX supposed to take a few hrs. They did n't even email me or I would have canceled my direct deposit. Now it 's weds. I was supposed to get paid tues. Come Thurs my car insurance will be canceled. I will be high risk because of them FOR LIFE.
Equifax is the only bureau reporting 3 collections to my credit report that are not mine. I do not have nor do I ever get collections and all our medical is auto drafted from our account automatically. The accounts show NOT REPORTED- XXXX & XXXX & XXXX - These are erroneous and not mine. I demand to see a signature and XXXX XXXX is not valid verification.
On XXXX XXXX 2018 it was reported by the XXXX XXXX that Bank of America was refusing to conduct business with legal gun manufacturing businesses in the U.S.

ArtIcle here : XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America has instituted a policy that has me very concerned that if this current policy is allowed to continue I and other Americans may be arbitrarily refused business by Bank of America simply for conducting business which the bank deems inappropriate or politically inconvenient.

Americans need banking services to survive in the modern economy. Law-abiding citizens have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business.

Please look into this matter and put an end to this Bank of America policy of discrimination.
Credit bureau " Equifax '' had mixed my credit report information and my brothers credit report information. I contacted them in XXXX XXXX about this issue and after sending over requested proof and verbally telling them all of my accounts they did an investigation and started my credit file with them. Until XXXX/XXXX/XXXX I did not have a file with them, however I have credit history from at least XX/XX/XXXX. 

My current issue is that my accounts are not updating currently to show the most recent information, they show incorrect balance information and other incorrect information. I believe this is is because my file is still mixed with my brothers, my brothers credit file still includes my name, social security number, and all of the accounts that are listed in my credit report. 

Equifax 's inaction to correct these issues has caused financial harm to me by listing incorrect information on my credit report and reporting a lower score than all other credit bureaus because of this incorrect information. 

I contacted them on XXXX/XXXX/XXXX about this issue and they told me it would take several weeks to hear back. At the end of the call the service rep spent five minutes pressuring me to buy their credit monitoring for {$12.00} a month so that I can " see the status of this investigation. '' This is a clear conflict of interest ; Equifax has a incentive to not correct mistakes and refuse to update my file and follow up with my complaints when I do not subscribe to their service in order to pressure me to subscribe to their service so that I can see what is wrong with my credit report. An " annual credit report '' for free is not sufficient when issues like this arise, in cases of valid disputes credit bureaus should allow online access to credit report file for free from the start to the end of an investigation. 

Thank you for reading.
I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved.
i have a XXXX XXXX XXXX XXXX student loan. I just took a break from school going through financial hardship XX/XX/2016 credit report of a XXXX day missed payment for student loan debt hit my credit score. i attempted to call to see if this was true i was really unaware at the time and have speak about having this removed and lower monthly payments.