WillisBack/dataset-financial-user-claim huggingface dataset:
The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.
I have had a XXXX XXXX Chase credit card since XXXX. I contacted them on XXXX/XXXX/XXXX in preparation for my next trip I wanted to confirm the benefits of using the XXXX Chase credit card to purchase a XXXX airfare. I spoke with a rep that offered me a list of the benefits which included first bag checked for free and complimentary extra room seating. I proceeded to book 3 plane tickets on XXXX/XXXX/XXXX. Once my reservation was complete I went on to select my complimentary extra room seats and to my surprise I was being charged a {$59.00} fee per seat. I proceeded to contact XXXX to see if this was a system issue. I spoke with a rep who confirmed with me again that I have the benefits I was previously told I had and that the department who handles these issues is not available on Sunday which is when I was calling but that he would escalate my issue and I would be contacted by the proper department. I proceeded to wait for a call and was never contacted by anyone regarding this issue. A few days later I get a letter from Chase apologizing for not resolving my issue and for me to contact them if I still have the issue. I was never contacted by Chase regarding this issue. I called Chase on XXXX/XXXX/XXXX after getting passes around to various reps I speak with a male rep that proceeded to tell me that I do not get those benefits as I am an authorized user and not the primary on the account. To my surprise this was the first I had heard of this. I explained to the rep that is wrong as I applied for the card over the phone in XXXX. He proceeded to tell me the primary card holder 's name. I confirmed with him that is my mother and we applied for our cards at the same time but that we were on 2 different application and 2 accounts. He kept checking to see how he could resolve the issue, and could not come up with a solution that would result in me getting the benefits that I was told I had all these years. I even explained to the rep that in XXXX XXXX I traveled to XXXX XXXX and got all the benefits of the card with no issues. I asked to be transferred to a supervisor to see if this could get resolved. After a little over an hour on the phone I spoke with XXXX a supervisor and after re-explaining the situation she offered me 3 solutions : 1 ) Do nothing 2 ) Apply for a Chase card and not get the benefits for this trip ( meanwhile the benefits of the card was the reason I booked a XXXX flight with this card ) 3 ) Write a complaint to Chase which could take 13 days to get resolved. 

I explained to XXXX that neither of these options where going to help me in anyway as my trip is set for XXXX/XXXX/XXXX and I would be responsible to pay {$75.00} in luggage fees and {$170.00} for extra room seating after being assured twice that these benefits were complimentary and that I qualified for these benefits. I proceeded to ask XXXX if there was anyone I could speak to as well as ask her as the consumer what my rights where and what available avenues I had to get this resolved. Her answer was that the supervisor was the highest person I can speak to and proceeded to offer me the same 3 options I noted above.
I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late of of XX/XX/2017. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.
Huntington Bank is refusing to produce the records requested by a subpoena dated XXXX XXXX, 2015, for copies of specific documents from an IRA account for a deceased account holder. It appears Huntington Bank issued checks to the wrong beneficiaries on the IRA account of concern. Huntington Bank personnel indicated they disbursed beneficiary checks to XXXX ( XXXX ) individuals and they provided the names of those individuals ( XXXX sisters and XXXX nieces of the deceased account holder ). A Huntington Bank document in my possession indicates there was only XXXX ( XXXX ) primary beneficiary ( XXXX of the sisters of the deceased ) and XXXX secondary beneficiaries listed on the beneficiary document. The beneficiary document indicates that secondary beneficiaries are not supposed to inherit any monies unless all primary beneficiaries are deceased. The primary beneficiary is alive. On the document we possess it is noted that the primary beneficiary is supposed to receive 25 % of the account funds. Therefore, the remaining 75 % of the account funds are supposed to be probated ( or distributed via a settlement between the parties ). I am a probate beneficiary and I also am acting on behalf of the other probate beneficiaries for this account. Huntington Bank is also refusing to provide our attorney, me, and the primary beneficiary with the requested documents. Huntington Bank 's failure to comply with the subpoena is creating additional stress, attorney fees and expenses for me and the other beneficiaries, as well as causing a serious delay in the resolution of this probate estate matter and further duress by this delay. Huntington Bank needs to provide copies of actual requested documents to our attorney immediately. If Huntington Bank is not able to provide copies of actual documents matching the distribution made by their agents, Huntington Bank needs to request that their insurance company restore the funds to the IRA account and await further instructions from our attorney regarding the proper distribution of the beneficiary funds. Also, Huntington Bank billed our attorney {$16.00} for sending our attorney a letter with the information improperly provided ; the subpoena requested copies of actual documents and not someone 's typed interpretation of those documents ; Huntington Bank needs to reimburse me for that charge ( passed on to me by our attorney ). Huntington Bank will also need to reimburse me for all attorney fees, legal fees, expenses and court costs created by their mistakes and improper delay of this case. Thank you for your assistance.
Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... 
Sincerely,
Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.
I am in the process of purchasing a home. I chose to do business with Quicken Loans based on their strong reputation within the mortgage industry. After starting my loan application, I received constant miscommunications, poor service, and a feeling from their team as if my business really was not important to them. I chose to withdraw my loan application, and take my business elsewhere. I chose to withdraw my loan, and the FHA case number was transferred to my new lender. Quicken had to close my loan application out in order to transfer the FHA case number, and when they did, they closed the loan as " loan denied, credit denial. '' This caused a hiccup with my new lenders underwriting team. I had to spend many hours on the phone with them explaining to them why my loan was not in fact denied, I withdrew it. At this point, I have worked through the concerns my new lender had, but on principal, my loan application should be closed based my request to withdraw my application, not " credit denial. " Quicken Loans is the biggest joke of a company I have ever had to work with, and I am certain their ratings with XXXX XXXX are forged.
NationStar Mortgage charged {$75.00} for " maintenance '' as a lender expense, statement dated  XX/XX/XXXX  ( attached ).   I called them at  XXXX  to ask what this was for, and was informed that it was for " lender paid items '' related to " upkeep of your account '' for " service related to the loan on the property '' and about 25 minutes later ( after being placed on hold several times ) that it was " charged for inspection done on my property '' on "   XX/XX/XXXX   '' I asked that a copy of the report be sent to me  (  it is attached ). The invoice is for {$15.00} dated   XXXX   ( not {$75.00} and not   XX/XX/XXXX   ). Additionally, there are several errors in the report -- such as the property is a  XXXX -family brick row worth {$300000.00} and that a relative was interviewed -- which makes me believe this was a phoney report.   My former mortgagor  XXXX  sold all their loans to NationStar in   XX/XX/XXXX   and I am wondering how many other people received the same {$75.00} fee. If every single mortgagee from  XXXX  was charged {$75.00} during the buyout / transition, that could be hundreds of thousands if not millons of dollars.
XXXX will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX    . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.
I am making a formal complaint against employees at the Bank of America Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they boast about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other BOA branches.
I have contacted Experian CRA on multiple occasions regarding a collection reflecting on my personal credit report from " XXXX XXXX XXXX '' that I am no longer responsible for post a divorce. This particular account was assigned to me during chapter XXXX bankruptcy proceedings and subsequently I was dismissed of this liability via a divorce an my spouse received this property. I have disputed this account for the past 18 months with Experian an they wo n't remove this negative mark. I have provided documentation and contacted " XXXX XXXX XXXX '' on several occasions with negative results. The account number is # XXXX.
I received a mailer from Bank of America with a promotion for a checking account with a {$300.00} signup bonus. The bonus would be awarded if certain requirements were met. I signed up for the account in XX/XX/XXXX and had completed all of the requirements by XX/XX/XXXX. I called Bank of America shortly after completing the requirements to confirm that the requirements had been met. The representative told me that I had met all the requirements and that I did not need to do anything else but wait for the bonus to post. The amount of time listed in the mailer seemed to indicate it would only take 90 days for the bonus to post but the representative told me it would take 90 days plus an additional 60 days. I waited until XX/XX/XXXX and then contacted the bank again. At that point they told me the promotion was denied as I had not met all the requirements. At that time, too much time had past for me to meet any additional requirements for the bonus and so I was locked out of being able to do anything further. Had the first representative told me I had not yet met the requirements, I could have performed tasks to meet them. I was given false information that prohibited me from obtaining the bonus. On XX/XX/XXXX, I contacted the bank and asked them to review the account, but they said there is no one I can speak to directly about this issue and I simply must wait another 30 days while the issue is being reviewed, all while I keep {$1500.00} minimum in the account to avoid any minimum balance fees on the checking account. I contacted the bank again on XX/XX/XXXX but they would not let me speak to someone on the promotions team directly and said the account is still being reviewed.They told me to keep waiting, but also told me that if my review was denied I would not be notified. The only way to determine if any decision was reached would be to call a phone representative who could check on the status. I believe that the bank is dragging the issue out on purpose in order to force me to keep my money in the checking account.
i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$3000.00} XXXX   {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX XXXX XXXX OF XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I reviewed my credit reports with XXXX, XXXX and XXXX and found out that Healthcare Collections LLC had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to Healthcare Collections LLC on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all three credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.
Unauthorized credit Inquiry on XX/XX/2017 Creditor Contact Details PROSPER MARKETPLACE 0 XXXX XXXX XXXX SU XXXX, CA XXXX ( XXXX ) XXXX
I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, XXXX, TransUnion ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX