WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -
As the subprime mortgage crisis was peaking during XXXX, we relocated to XXXX in XXXX, XXXX, for employment purposes and executed a home mortgage on a residence here. With the increases in loan demand due to easy initial lending practices during that period, housing demand was sharply stimulated to exceed housing supply and, unbeknownst to me at the time, my XXXX mortgage was based on an artificially-inflated property appraisal value. 
This subprime mortgage crisis was a nationwide banking emergency that coincided with the US recession of XXXX XXXX - XXXX XXXX. In XXXX and later, financial settlements with homeowner mortgage relief components were reached with major financial institutions, regulators, and credit agencies to settle claims related to unfair, deceptive, and fraudulent predatory lending practices during this period. A list published in the XXXX XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements. 
I, like thousands of other Americans, still need your help with mortgage principal reduction programs. We 've paid every monthly payment so far, but now that I 'm recently retired, my monthly mortgage payment has become an increased burden for us at nearly XXXX percent of my monthly budget. 
In XXXX XXXX, XXXX XXXX took on HUD and FHFA for their failure to act : " These XXXX XXXX investors made money by crashing the economy, got bailed out and now they 're back to feed at the trough again, scooping up these loans at rock-bottom prices so that they profit off them a second time - and it is up to us to stop that! '' She scolded FHFA chief XXXX XXXX for postponing action on principal reduction for struggling homeowners. 
We need your help to restore the middle class and promote " true '' economic growth by returning " stolen '' money to those who were " robbed '' by greedy financial companies during the subprime mortgage crisis. You can make a real contribution to the American middle class, rather than to Wells Fargo Chief Executive XXXX XXXX 's {$19.00} XXXX in compensation by acting NOW. 
To date, I have n't received a letter, telephone call or any contact information explaining how any of these and other settlements with financial institutions, regulators, and credit agencies will provide my family with mortgage principal relief on my bloated XXXX home mortgage. I 've been contacting my elected officials about this issue for more than three years and they have been unresponsive and dismissive. Now I read in the XXXX ( XXXX XXXX, XXXX ) that accumulated US Justice Department fines from these settlements might be diverted quietly to other budgetary needs. 
Apparently the Consumer Financial Protection Bureau is our only hope. Where are all the funds from these settlements now? How can I access the funds from these settlements for mortgage principal relief? 

Attachments : 1 ) XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements 2 ) XXXX XXXX, XXXX XXXX took on HUD and FHFA 3 ) XXXX ( XXXX XXXX, XXXX )
I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my XXXX and Experian credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling XXXX on at least 3 occasions, the issue is still unresolved. I've also called Experian on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.
Date PAID : XX/XX/2018 Amount paid in full {$500.00} Company : XXXX XXXX XXXX My problem is with TransUnion. within the last two month, they are reporting information that should be updated to pay and closed. but the information read as a collection/charged off on my report. I had sent in proof that this account was paid in full.and the status of my report should a positive on my credit report and my credit score should go up. Can you please look into this problem. thank
On XX/XX/XXXX I submitted check # XXXX from my XXXX checking account to Third Federal Savings & Loan of XXXX OH for {$200.00}. In early XX/XX/XXXX I satisfied and closed all accounts with XXXX XXXX. 
In XX/XX/XXXX I discovered {$200.00} missing from my XXXX checking account. After spending considerable time tracing to find the source I called Third Federal and learned they had issued a duplicate check and charged my account. Third Federal committed to sending me a letter explaining how this had happened however in spite of my numerous calls I have received no such explanation from them. 
As this constitutes an act of theft I respectfully request your assistance in holding Third Federal accountable for their actions and for them to submit to me a written statement acknowledging same.
Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.
The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.
For many years I had an account with Washington Mutual and was rewarded by the bank with a free checking account and safety deposit box. Since this bank was taken over by Chase Bank I lost the key to the box in the process of moving. Now it seems that Chase Bank cant find the box. Unfortunately I had a large amount of jewelry and stock certificates in the box. I last accessed the box about 4 years ago when I put additional items in the box. After that time I moved and have gone through everything that was packed. A few boxes were missing. 

I asked Chase if they could check one of my old statements from Washington Mutual as it box was listed on my statements. They can only go back 7 years which was after they took over WAMU in 2008 Do I have any Recourse? i was told that the old sign in cards had bee replaced with an electronic database. They do not have many safety deposit boxes that were the smallest size and if one has no key and no nameitshould arouse some suspicion. 

Thank you for any help or suggestions. Can I hire some legal advice? 

XXXX! o XXXX XXXX XXXX
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.
In XXXX XXXX, I was expecting a check from XXXX XXXX as settlement for my XXXX tax refund. Unfortunately, On XXXX XXXX, XXXX, my check cashed using a forged endorsement. The XXXX of the person who cashed it had been written on the check. After consulting with a detective in the XXXX Police Dept, I learned that the XXXX belonged to someone with the same name as mine, who lives in my neighborhood. After contacting XXXX XXXX headquarters, I was informed that i would not be issued another check, even though i did not benefit from the check, nor did was i aware of it being cashed. Also, I was incarcerated in the XXXX XXXX XXXX on the day the check was cashed. XXXX XXXX of XXXX XXXX provided me with a copy of the cashed check. Next, i contacted Silicon Valley Bank ( SVB ), which is the bank printed on the copy of the check, and informed them that i wanted to file an " affidavitt of forged endorsement ''. SVB would not provide me with their affidavitt, but forwarded it to XXXX XXXX, to be forwarded to me. However, XXXX XXXX denies receiving such email, and has since ignored my emails.
I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection ma de verbal promise that by us paying the debt, the debt would be REMOVED from all credit bureau 's. According to the my complaint filed yesterday, they have recordings.     We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by a point or  XXXX . As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points.     Which additionally, this substantially impacts my mortgage rate. Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial discrepancies in my  credit score.      Additionally now, CFPB prematurely allowed this issue to be closed, when  in FACT it i s no where near closed.     FOX notes, they have a recording. They have NOT produced a recording where I was present when I heard my wife confirm the debt would be REMOVED. I DEMAN D FOX TO  PRODUCE THE RECORDINGS which clearly exits the call confirming they WILL REMOVE the debt.     Secondly, I 've provided PROOF, t hat FOX HAS NOT REMOVED THE DEBTS. They are still listed on   XXXX   and  XXXX  .     I 've reattached for this complaint.     I will be calling CFPB in the morning to ensure this is left open  until FOX co nforms and fulfills their agreement.
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.
Netspend will not return the remaining balance of {$300.00} on the account that I closed. When I closed the account they said that the remaining balance would be returned via a mailed check. The check wasn't sent. I contacted them, and then they issued a check for the portion of the balance that was loaded to the card with cash but not for the {$2300.00} I had loaded via ACH transfers. When I contacted them again they said they could not return the funds without a letter of indemnity from the originating bank. I contacted the bank that the funds were originally sent from to request the letter. The bank then sent a confirmation letter for the transaction to Netspend. Netspend then returned {$2000.00} via ACH, but withheld the remaining {$300.00} and requested another letter. I then had my bank send the same type of letter on XX/XX/18 for the {$300.00} transaction, but did not hear back from Netspend. When I contacted Netspend again they said they required 20 business days to review the letter and that they would contact me once it was reviewed. I did not hear from them again, so called them again after a month, and they said the letter had been declined. I was forwarded to the fraud department. The representative said he would contact my bank and call me back within 3 business days. I did not receive a call. I called Netspend again and they advised me to wait a few more business days. Again, I did not receive a call. I called back again and was told to send another letter. I have called Netspend at least 20 times, with some calls lasting over 90 minutes and have been left without a way to recover my funds.
In XXXX 2016 I had snow damage to a aluminum awning that is attached to my house.State farm issued a check made payable to me and to Wells Fargo.Well Fargo will not release the funds to me so that I can get the damage fixed. 
They told me it has to be monitored. They want to release funds to contractor in increments. This process is impossible because it only takes contractor one day to complete. my loan is current and the amount is XXXX dollars which is under their threshold. I can not get this fixed until they release the funds to me. This awning is about to fall and I really hope nobody is under it when it does fall.
Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.
XXXX/XXXX/XXXX XXXX XXXX Equifax XXXX Dear Credit Bureau, A lawsuit I will file due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of XXXX by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with equifax. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am hoping to not have to sue Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false inquiries removed. You XXXX contact me before suit is filed on XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it is factual then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
I applied for Hardship around the begining of XX/XX/XXXX, with many times being told to send in this information and that paper I was denied with CLEAR evidence of my hardship from letters from my Doctor 's etc and lost 50 % of my income. They still added up late fees during my hardship application that they said were not going to get assessed. They would rather have my home go into forecloser than help. I am a XXXX and obviously will have work after having, XXXX. that is pretty much common sense this day with all of the XXXX shortgage in the USA.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had any Accounts under the name Chase or JPMorgan Chase & Co. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. My XXXX XXXX Accounts were closed associated with Theft and Tamper years before XXXX XXXX name was changed to XXXX XXXX XXXX XXXX ; of which, was years before I moved to XXXX, Georgia in XX/XX/XXXX. 
Thank you, XXXX XXXX
I sent a payment using my XXXX XXXX Bill Pay service to Great Lakes much as I had for over the past year. Upon noticing that the payment had not been reflected in my account a few days later I called and was informed that they had changed the address of where payments should be sent from XXXX to XXXX without communicating to me in any manner. When asking what would happen I was told that even though I had electronically transferred my payment through Bill Pay that they would not return my payment for XXXX weeks. After two weeks passed I called and asked for an update where I was told the funds would be returned to my bank and then put back in my account. When I contacted my bank by submitting a claim they contacted Great Lakes and informed me that I should be getting my funds returned via check in the mail within forty days. I called as the 40 day limit was approaching and was told again it should be returned shortly so I made another payment in the same amount over the phone with the understanding it would be applied as attended and my original funds would be at my house soon in the form of a check. While they applied the second payment over the phone I still have not received my original refunded payment and have since made another payment to Great Lakes which has not been reflected in my account despite following their explicit instructions. I checked with my bank and they show that the latest payment was posted. Due to these events I now have several thousand dollars that are floating in Great Lakes accounts instead of either being returned to me or applied to my loan. When I called yet again this morning I was told they would look into the matters and get back to me within 48 hours. At this point I have no idea when I 'll get my original payment back and if I 'll have to wait just as long for my latest payment to be sent to me instead of being applied.
I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.
This caller has been asked to stop calling my place of employment. To cease and desist communication and they continue to call.
I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!
I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL XXXX