WillisBack/dataset-financial-user-claim huggingface dataset:
This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my account.
PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients.
Tried depositing my payroll check to cover my overdrawn account and now they are closing it and not allowing me access to my account online or via app.
Late payments on my Credit report are wrong information about my payment history. I have never been late I have always made my payments on time. Please remove as soon as possible.
I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.
A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.
I found a fraudulent charge of {$43.00} on my BankAmericard on XX/XX/XXXX. I immediately called Bank of America ( BOA ) and put it into dispute. They got back to me, credited my account with the {$43.00}, and said they would do an investigation. No other fraudulent charges were found so I did n't report the card number as stolen. On XX/XX/XXXX, my account was re-charged with the same {$43.00}. When I questioned BOA I was told the vendor said they had shipped the merchandise to me and it was delivered. I said " No, I did n't order anything nor did I get anything delivered ''. I, once again, stated this was a fraudulent charge and I wanted it removed. BOA has refused. I then tried to find contact information on the so-called vendor and it does n't exist! XXXX is also involved, as the original charge came through XXXX. They refuse to help because they say my credit card has jurisdiction over them. I also asked XXXX for the contact information on the vendor. They could n't find it either!! On the morning of XX/XX/XXXX, my BOA credit card blew up with over {$10000.00} in charges. I immediately called, all attempts were denied, we immediately cancelled my card and BOA is issuing me a new one. Guess where the {$10000.00} in attempted charges came from? Yep, the same vendor!!!! While BOA has no problem taking care of the {$10000.00}, they are still refusing to remove the original {$43.00}. I want the original {$43.00} fraudulent charge removed. That 's all I am asking.
I am XXXX XXXX military and in the process of trying to purchase a home. which will be my forever home/retirement home for completed 20 years of military service. There are some late payment reports on my credit report from my current mortgage lender BB & T. My credit report shows that I had late payments for XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. I have reached out to the bank numerous times explaining to them that I was having financial issues due to having one source of income and being stationed in XXXX XXXX California. Also, I had a tenant abandon my property and in the process of transferring to XXXX XXXX, Texas. Finally, I assumed responsibilities of a nephew due to my sister being XXXX   and I had a death in the family which the family member did not have any life insurance, etc and my family and I had to allocate the funds for burial. I have called BB & T and spoke to several representatives on several different occasions during this painful financial setback. I have also provided a written requesting stating all of these facts to their mortgage department as well as the SCRA department of BB & T. Additionally, I went into a branch in person as well. I have been a loyal paying customer to BB & T since XX/XX/XXXX and have never had any issues up to this point. I am humbly requested that these late payments be removed so that I can purchase my final home before retirement.
I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.
Back in XX/XX/XXXX, I was in court to try to settle a debt. We agreed for me to pay {$100.00} per month every XXXX of the month. 

The attorney told me to go online and make a payment, and thats what I did. I was always making my payments on a timely manner. 

In order to make a payment online, you need a CONTROL #. So every time I made payments I typed in my Control #. 

Last month (XX/XX/XXXX ), it tried to make a payment for {$100.00} via online and I was unable to do it because according to the website, it was BLOCKED. So I called the number and I tried to let them know about my control number being blocked. 
They told me they dont know the reason and it must have been a temporary thing. So I made my payment through the phone. 

Today, XX/XX/XXXX, Saturday, I tried to make my payment. And unfortunately my control # is still BLOCKED. I tried to call the number but the their office was closed and I tried to call every bodys extension and left voicemails because I really need to make that payment today. 

You were told to make a payment online and when you do, they try to BLOCK the control number that way you miss your payment and force you to break the agreement you made in court..
On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...
on my credit report from Experian, there are many credit report requests from XXXX XXXX. I dont have an active credit card with them and Experian should not share that information with them.
I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.
I provided a sign on bonus for employment and was told that leaving within a year I have to pay it back depending on when, my offer letter did not state anything about paying the bonus back in full. I left the company after 9 months because the culture and organization is terrible. During my exit no one even mentioned anything about the signing bonus being repaid. I then received a letter from the M & T Bank collections group demanding that I pay the amount back and when I called, XXXX XXXX who I spoke to, was rude and not willingly to negotiate, which I was willing to do.
I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
I was looking to move into a new apartment and I was denied. I discovered that I had an account in collections with Rent Recovery Solutions from XXXX XXXX apartments managed by XXXX. During the time I lived there my apartment was in deplorable conditions due to roof leaks and unfinished repairs from maintenance. After numerous request to maintenance and management about those issues I was completely ignored. I had no other alternative than to withhold rent payment and go to court. They filed suit because of this and I filed a countersuit due to the fact they refused and failed to repair the property. The results of trial were that I had to move by XXXX/XXXX/2015 and I did not have to pay any money to the property for rent, late fees, utilities, and court cost. I have provided this information to XXXX XXXX at Rent Recovery Solutions as well as copies of the court orders. After verification of receipt of papers, she stated that her client XXXX XXXX apartments refuses to remove the erroneous information and to will continue to report it to the credit bureau and advised that I file a dispute. This has caused a great damage while trying to secure a home for me and my family.
Amsher Collections continues to erroneously submit my account to the credit bureaus as a debt that has not been paid. This action was done as recently as XX/XX/2018. Amsher is fully aware that the debt ( {$160.00} ) has been paid but continues, in bad faith and against FCRA requirements, to report this account to several credit bureaus.
My mortgage was sold by PHH ( XXXX XXXX ) to XXXX in XX/XX/XXXX. Then in XX/XX/XXXX PHH filed a {$51000.00} promissory note against my house supposedly for a loan modification, which was never filed. They told XXXX  I was behind 10 payments. I have proven there were only three payment behind when XXXX  took over my mortgage. The Promissory Note is taken care of by HUD and I contacted HUD and they also reached out to PHH, who never responded. I am trying to sell my house and can not do that until this promissory note is removed from my mortgage for a company that no longer holds my mortgage. I am going on 6 months of not being able to sell my house, afford my mortgage, have my payments to my new loan company posted ( reaping the benefit of interest write off on my taxes ), and processing a pending divorce.
I spoke on the phone with XXXX from your Billing Dispute department from Kentucky on XX/XX/19, and she opened the dispute ( XXXX ) because she mentioned that the correct reason for this dispute is that I have not received my order. Up to this day I do not have any merchandize and I lost {$3700.00} so I am left with nothing.
experian report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans.
Transunion updated my credit information from XXXX, XXXX made errors on reporting my mortgage payments documentaion was provided, however Transunion actually lowered my FICO score after receiving the updated information, none of the other bureaus did this is unfiar and biased and illegal
We sold our house financed with XXXX. We turned ownership to the new owner XX/XX/XXXX. My first call to XXXX was on the XX/XX/XXXX. I inquired as to {$2500.00} escrow money that was to be released back to us. They told me that it would be up to 14 days. I called the 2nd time on the XX/XX/XXXX which allowed 17 days. I asked the individual handling my account to put a stop payment on the 1st checkand to Expedite the check. He assured me that he would expedite the check and assured me that I would have the check in 5 days. 
XX/XX/XXXX I called for the third time and demanded that the money be directly deposited into our bank account. The customer service manager acknowledged receiving all pertinent information needed to direct deposit the money into our account. She very clearly told me that she would call me when the individual responsible for wiring the money was done wiring it. I provided all the information by XXXX XXXX   Pacific Time. She indicated that it needed to be there prior to XXXX XXXX Pacific Time. 
I have received no call, nor has the money gone into my account. 
I have been lied to, and as far as I can tell they are refusing to release the funds to us. Their deceptive practices are illegal and are completely hinging on fraud.
I was a victim of identity theft last year. Several accounts were opened in my name. Several companies extended credit. When I found out. I contacted all the credit bureaus and placed a fraud alert. I filed the required affidavit and returned a copy to each company that there was credit opened with my name and used. I also sent a copy to each credit bureau including Experian. XXXX is XXXX of the companies that is giving me a hard time. They say that It is my account and refuse to take it off. Experian refuses to investigate any further hiding behind the XXXX clause. I want me credit report to report exactly what my responsibility is. I was a victim of identity theft. I am not going to pay XXXX for item that I did no authorize and I also did not receive. Also the system for uploading documents to experian is not working. I have had to spend numerous stamps getting correspondence to them.
On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.
Wells Fargo closed our bank accounts and did not explain why and we have done nothing wrong. We have always handled accounts in accordance with their policies and the law. 

That is bad enough but they closed our minor children 's bank accounts and claim the children are banned from the institution for life. 

That is arbitrary and discriminatory and punishing the innocent.
My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.
I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.