WillisBack/dataset-financial-user-claim huggingface dataset:
I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!
unsecured debt of {$840.00} when the original creditor never had a contractual agreement with me. Whatever claims of a contractual agreement indicated by the original creditor never existed and therefore, is cancelled. The original creditor sold the account to another agency ( LVNV funding ) and wrote it off on their corporate taxes as a " loss '' and therefore, they have no claims against me. Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states.
I was approved for my Capital One Secured Card on XX/XX/2017 after speaking to several representatives on ways to increase credit score and what is the best card as well as options credit limits and so on. I recently inquired about my Secured Card in an attempt to get a credit limit increase and upon process was informed that it is impossible. I was also informed that I had 80 days from approval of card to put through a credit limit increase. I also inquired about the deposit ( {$49.00} ) that i had put down for the limit of ( {$200.00} ) and was told that they would look into me getting my initial deposit back due to great behavior. I have never missed a payment on this Secured Card and have had another credit card with Capital One for over 6 years. I am contemplating closing this card down and would hate to and would want to find a solution. Thank you.
I have several times requested a deferment but was told I was not qualified during my unemployment. I 've sent documents regarding my unemployment. When I called, I inquired about an Income Driven Plan and quickly faxed and mailed in my forms. During this XX/XX/XXXX year, I 've accrued late fees and capitalized interest charges since they put me in forbearance while they wait to receive the income driven forms I sent them. I called again in XXXX because I did not receive any letter and checked my account inbox to see if there were any messages regarding the progress of my forms I sent in - none. They tell me they have not received nor have any record of it and to resubmit it which I did on XXXX XXXX, XXXX. It is XXXX XXXX, XXXX and I have not received any answer to the forms I both re-faxed and re-mailed. Even though it 's been difficult without a job and looking for employment, I sent in a small payment because interest is accruing. After I made the payment, I received an email stating the amount of my loan and a XXXX interest payment until XXXX/XXXX/XXXX. " XXXX ''? I am not confident Navient is conducting business properly and I dont trust their system or professionalism. I still dont have an answer or letter of progress and have to continue making calls to them.
XXXX XXXX XXXX calls me every day from many differences numbers telling me they are going to sue me for debt. I 'm tired of being harassed I lost my job I have no way to pay it right now.
I sold some of my annuity to a company called XXXX XXXX. We did several transaction over a years time, involving different amounts of my {$1100.00} a month payments. A year ago, I was offered to sell the remainder of what I understood was the rest of the monthly amount for {$33000.00}. 
Later I ask XXXX XXXX the balance left of my annuity which I bought for {$180000.00}. 
That 's when I was told that XXXX XXXX owned all my money.
This company keeps calling my house repeatedly all hours of day and night. The one time I was able to speak with someone they would not give me any information. the women said we owe a debit and they are collecting, but my husband and I have lived here for over 30 yrs and we do not have any outstanding debit.

When I questioned them about it, they said it was for my husband and they would call back later. I explained we do not have any outstanding debit and if they want to clear this up they need to speak to me as my husband has no personal finance and I pay all the bills and have for 40 yrs. Now we are getting robo calls day and night with no way to get back to them. This is total harassment and I am sick and tired of it.
Debt service trying to collect for XXXX Transportation Department before a law suit is filed. 
The number they tell me to call back is XXXX and the case reference number is XXXX.
XXXX XXXX XXXX, XXXX XXXX XXXX, should be remove from all reporting agencies, it hasn't been remove from experian
I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently Transworld systems is also part of the same group of which XXXX   XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX
Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.
Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy.
My husband and I are on Income Driven Repayment plans while he is a resident XXXX as we have a partial financial hardship. I am on REPAYE, and he is on PAYE. Our loans are held by XXXX ( PHEAA ). On XXXX/XXXX/XXXX, we received a notification to submit annual loan recertification documentation. My husband and I submitted those documents promptly on XXXX/XXXX/XXXX. We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 


I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent XXXX # XXXX answered and had to transfer me to another department, so again I waited again until XXXX # XXXX answered. He informed me that the application was in manual review and should be finished relatively soon, probably by the end of the week ( XXXX/XXXX/XXXX ). 


After hearing no updates from XXXX, I called again on XXXX/XXXX/XXXX at XXXXXXXX XXXX. I spoke with XXXX # XXXX who said it would take 30-60 days from XXXX/XXXX/XXXX to process. I informed her that I had called on XXXX/XXXX/XXXX and was told that it would be completed last week. 


She transferred me to XXXX who stated she was a supervisor. She reviewed my information and said my application was queued for manual review, but strangely needed to be escalated or expedited, but somehow had not yet been done. She then provided a monthly estimate of {$1000.00} for the payment. I informed her that this was a significant increase and did not appear to include my husband 's loans, which we applied for and cosigned together on XXXX. She said she will try to expedite and we will hear an update by XXXX at the latest. I expressed concern that with my payment plan expiring on XXXX/XXXX/XXXX that this would not be enough time. Given the absence of response on XXXX/XXXX/XXXX, I have elected to file this complaint.
I received the Initial Escrow Account Disclosure Statement from Freedom Mortgage. It states that the PROJECTED ESCROW BALANCE SUMMARY OVERAGE is {$3200.00} that was to be RETURNED TO ME ONCE ACCOUNT WAS CURRENT. On XXXX XXXX, 2015 I paid the XXXX 2015 monthly mortgage payment of {$1400.00} and I was current. At the bottom of the Disclosure Statement the following is stated : Federal Law requires that any escrow surplus of {$50.00} or greater for accounts that are current must be returned to you within XXXX days from the date of the analysis. Due to the delinquent status of your account, your surplus will be retained until the account becomes current. It is your responsibility to contact our a Customer Care department to request the release of any surplus when the status of your account changes. I did contact Freedom Mortgage on XXXX/XXXX/15 and requested my refund and it 's now XXXX/XXXX/15 and they have n't sent me anything, which is against the law.
Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}
XX/XX/17 - Reading a learning what i will need to do to protect myself after the recent hacking of Equifax. I do not know how much time and effort this will take and i 'm very scared about it.
when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner. 
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.
The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!
I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.
AES/SUNTRUST # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$4000.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion XXXX status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX XXXX XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
I have a XXXX by XXXX card. I stayed at the XXXX XXXX by XXXX from XXXX XXXX through XXXX XXXX, XXXX. After that stay, I discovered that I had been double billed ; once for my stay and once for the stay of another member of the group I was traveling with. 


I wrote to XXXX requesting a reversal of the charges to my card for someone else 's stay, as well as a reversal of all late fees, interest charges, and negative hits to my credit report. XXXX denied my request and found that the charges were valid. 


Of note, I can not have my phone with me at work. I can not access my civilian email from my work computer. I often come out from work at XXXX or XXXX o'clock to find several calls from XXXX, but their call center is closed by the time I leave and does not open until I have been at work for an hour or XXXX. The few chances I have had to complete a live conversation with a Chase rep have not been fruitful ( I have those conversations saved ; I clearly stated that the conversations were being recorded on my end to avoid any legal complications ). I mention that to illustrate some of the difficulty that we have had in communication. 


The hotel 's XXXX admitted, via email, that the charges to my card should have been charged to sI finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card.omeone else. The XXXX first refused to refund me until another card had been presented, and then told me to do the legwork to find the contact information for the person whose stay showed up on my card, saying that they could n't refund me until they had another card. I provided the contact information to the XXXX. The XXXX responded with : " I finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card. '' That message was sent XXXX XXXX. I still have not seen any refund to my card, and XXXX is denying my appeal to dispute the charge despite the emails I provided to them showing clear mishandling of the account by their affiliate, XXXX. 


I AM showing that my credit statements are being impacted, my Chase/Marriott card has been cancelled due to non-payment ( for charges I did not authorize and for late fees and interest associated with those charges ). 


I have clearly stated several times that I am asking that XXXX refund me the charges for the stay that was wrongly charged to my card along with all fees and interest associated with those charges. I 'm also asking them to redact the negative credit reports that have been submitted. 

So far I have received absolutely XXXX traction from either company. Can you help?
Home mortgage was applied for as a Department of XXXX ( XXXX ) loan in XX/XX/2009 when I was still on XXXX and was, to my knowledge, a XXXX loan. When I tried to refinance the mortgage under a XXXX it was discovered through more than XXXX months of research and hours of telephonic conversations, the mortgage was never turned over to the Department of XXXX, as the attached closing documents would lead to believe, by the mortgage lien holder ( Bank of America ). When I pushed the issue forward with Bank of America and requested they make their mistake right, within 30 days my mortgage was sold to another lien holder ( XXXX ). After further research with XXXX I was told they ( XXXX ) purchased multiple of these XXXX but not XXXX loans from Bank of America.
Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX  XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX