WillisBack/dataset-financial-user-claim huggingface dataset:
The Fair Housing Act makes it illegal to deny or discriminate against people based on race, XXXX, national origin, religion, XXXX, familial status or XXXX when it comes to issuing mortgages or mortgage modifications. Master Servicer Bank of America and sub-servicer XXXX XXXX XXXX have discriminated retaliated against us by placing our home in foreclosure while in a active workout and while we have been making trial modification payments since XXXX 2016. Master Servicer Bank of America padded my inhouse modification with over {$100000.00} of unauthorized fees, misappropriated payments, failed to post escrow correctly, never corrected errors made from forced placed insurance, put themselves as the lender on our modification and they were never the lender. Bank of America the Master Servicer and XXXX XXXX XXXX the sub-servicer have retaliated against my husband and I through a variety of unfair and fraudulent tactics through targeting our XXXX to take advantage of and manipulate in-house modifications. Both Bank of America Master Servicer and XXXX XXXX XXXX sub-servicer have committed the following violations against us by targeting us : a ) Targeting XXXX borrowers with in-house modifications then do the bait and switch with dual tracking. ( See Exhibit A ) b ) Targeting XXXX borrowers holding fraudulent deeds and notes with denial of Hamp modifications. ( See Exhibit B ) c ) Targeting XXXX borrowers with in-house modifications that placed Bank of America as the Lender when Bank of America was never the lender. ( See Exhibit C ) d ) Targeting XXXX borrowers with in-house modifications that fail to provide the identity of a true current secured lender creditor. ( See Exhibit D ) e ) Targeting XXXX borrowers with in-house modifications that charged excessive interest. ( See Exhibit E ) f ) Targeting XXXX borrowers with in-house modifications that threatened to foreclose on borrower unless signed. ( See Exhibit F ) g ) Targeting XXXX with in-house modifications that inflated unauthorized and undocumented fees. ( See Exhibit G ) h ) Targeting XXXX with in-house modifications that padded mortgage with increased fees. ( See Exhibit H ) i  ) Targeting XXXX borrowers with in-house modifications stating they willfully and voluntarily give up their rights to a trial by jury. ( See Exhibit I )
I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.
I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
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Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
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enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.
Summary : What I was told was a " re-authorization '' of my existing XXXX credit card was actually a new card. I asked the clerk twice if he ran my credit and was told no - he said he just reauthorized my old card. In fact, he did run my credit and opened a new card for me, which I did not want. 

Details : I have had a XXXX store credit card for over 10 years, but do not use it regularly. I went to XXXX on XX/XX/2018 and tried to make a purchase with my XXXX card ( a relatively small purchase of only {$37.00} ). After I swiped it, the clerk asked if I had used it recently - I said no. He said that if I don't use it every 6 months, it needs to be reauthorized ( that seems like an absurdly short window for a store card ). He asked for my drivers license, and then the credit card pin pad asked me for my Social Security Number and Date of Birth. I asked if he was running my credit and issuing me a new card. He said no, he was just reauthorizing my old card. I accepted the information on the pin pad ( admittedly, I didn't read all the fine print - there was a long line of people waiting behind me to check out ). The clerk then handed me a paper slip and said that the new card would be mailed in 15 days. I asked again if he ran my credit and if this was a new card. Once again, he said no. 

I went home and did some research, including checking my credit monitoring service. In fact, he did run my credit and I was issued a new card. I did not want a new card, and I certainly didn't want to be tricked into applying for one. I was told that he was just reauthorizing my existing account. I called XXXX the next day and lodged a formal complaint, as well as closed my XXXX account.
XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.
The date was for XX/XX/XXXX and the debt was for {$1300.00} and wasn't aware that I could dispute this debt. The XXXX XXXX charged off my balance in XX/XX/XXXX and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.
Hello - I received an Escrow Account Statement for my mortgage dated XXXX/XXXX/XXXX indicating there was a surplus of {$1700.00}. My mortgage is serviced by Seterus Inc., loan # XXXX. In the past, Seterus was very good about issuing a check for a surplus. I waited about 30 days but did not receive a refund. My loan is current, in fact, I make extra payments. Sometime in XXXX I called them inquiring on the status of the refund. they indicated that it takes up to 8 weeks. I waited ... I called back in XXXX, spoke with XXXX XXXX and she indicated that that it would take another 4 to 6 weeks, I asked to have this escalated as this did n't sound right. I called back the next day and spoke with XXXX and explained I was calling to confirm the escalation. she indicated there was no escalation. asked to speak with a supervisor ... during the transfer was disconnected so I called back. was connected with XXXX ... he was very nice but again said there was nothing he could do and needed to wait another 4 to 6 weeks. Asked to speak with a supervisor and was connected with XXXX. He requested a 'task ' to issue a check for the surplus but again it would take 4 to 6 weeks. I reminded them that according to the rules, the surplus should have been disbursed within 30 days back in XXXX. I feel that they are in violation and taking advantage of me ... Asked him to escalate the request. Called back today XXXX/XXXX/XXXX, they show a task to disburse the surplus but again will be in 30 days. I 'm very frustrated and not convinced that I will receive a check ... this company is not responding properly and i have asked to file a complaint their response is 'a task has been submitted and you should receive a check in 30 days '. I feel like I may not see the funds ... They have my money ... They have benefit ... I 'm at a loss of what to do ... Can you please help.
This company says that I owe a debt from XXXX XXXX. Not only do I not admit to or know this debt, I was a victim of identity theft. I went on the federal website to submit my information and complaint about being a victim of identity theft. I told this when they called me threatening me with jail, and embarrassing me in front of my employees. I do n't know this debt and it was opened in my name and fraudulently and even after an address change request they still ignored my request. It 's not my debt and I wish the original, wet ink signature sent to me before we talk about whatever this bill is and if this goes in my credit report I will seek
We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.
I paid the 2nd installment of my XX/XX/XXXX-XX/XX/XXXX property tax in the amount of {$2700.00} in XX/XX/XXXX. I did it so I can claim it as an itemized deduction on my XX/XX/XXXX Income tax return. If I did not pay it, the mortgage company will have to pay it because there is an escrow account in my mortgage to pay the property tax. The mortgage company admitted there was an excess in their escrow account and mailed me a check for {$1000.00}. This is {$1600.00} short. There is no reason for the mortgage company to hold on to this {$1600.00} shortage.I want all my money back.
There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check
A Representative claiming to be from XXXX XXXX from The Solidus Group, LLC contacted my father and proceeded to not only tell him about my debt on an outstanding loan, but give balances, and a case number. He told my father that he was going to have me arrested and would charge me with criminal charges. 
When I finally was able to get in contact with someone ( they have a very impenetrable phone system ), the man who answered told me I was wasting my time calling without an attorney and they would see me in court. He kept cutting me off and telling me I was willfully trying to fraud the lender. When he eventually stopped talking long enough for me to get a declarative sentence out, he transferred me to a female collection agent who told me I had to pay with only a debit or credit card. After taking my information, and setting up XXXX payments for half of the balance, she hung up. I tried calling back several times. I then attempted to contact the next day where the original gentleman who contacted my father told me I had better let all of those payments I set up go through or they would " see me in court and charge me with criminal charges ''. I attempted to ask for him to validate the debt or send some information in the mail, but he, like the first guy I spoke to, kept cutting me off and hung up. I called back but the number immediately went to voicemail. I have never been contacted before by these people and have received no notices in the mail or anything about this outstanding loan from either the original lender or this so called third party collector. Proper collections protocol was NOT FOLLOWED in the slightest. FURTHER MORE- when I was told that this was going to court no information or formal summons or complaint of writ was sent to me.
I applied for the Barclays Ring Mastercard on XX/XX/XXXX, to utilize the balance transfer feature offered by the card. At the time of application, I requested a balance transfer of {$9000.00}. I received notification via email on XX/XX/XXXX that I was approved for the credit card. I received the credit card on XX/XX/XXXX, and activated the card as well as the online account on the same day. I noticed that the {$9000.00} balance transfer had not been processed, so I requested the balance transfer again - this time through the online account and in the amount of {$10000.00} ( I thought this was the same amount I originally requested, but did not have a record of it after the application was submitted ). On XX/XX/XXXX, both balance transfers ( one for {$9000.00}, and another for {$10000.00} ) were processed, so that the new Barclays Ring account now showed a balance exceeding the credit limit, in the amount of {$19000.00}. The credit limit for this credit card is {$15000.00}. I don't understand how both of the balance transfers were even allowed to process, as they took the balance beyond the credit limit. I immediately called Barclays ( XXXX ) to resolve the issue. The representative I spoke with opened a case number ( XXXX ) and told me this issue would take 8-10 business days to resolve. Those days past, and nothing changed with the account. Also at this point, my credit score took a large negative hit because this new account exceeded the credit limit ( XXXX down to XXXX ). I  called Barclays, gave them the case number, and was told that the case is still pending with no further update. I continued to call Barclays back, on an almost weekly basis ( ~7-8 times ), and was given the same update each time. The representatives recorded down which balance transfer to reverse, and indicated the balance transfer fee would be waived when the case was resolved. On one call, I was also told NOT to make any payments until the case was resolved, and all late payment fees would be reversed. Today, XX/XX/XXXX, I called and spoke with a representative ( XXXX? ). She told me the same story and provided the same update. I asked to speak to a manager ( XXXX ). The manager told me that because the balance transfers are over a month old, there was nothing Barclays could do to reverse the balance transfers. He suggested I contact my other credit card company and ask them to send me a check in the amount of one of the balance transfers. And then I cash that check and pay off one of the erroneous balance transfers. It was now my responsibility to fix Barclays error. I asked what had been happening the whole time the case had been open, when it seemed he was able to easily give me this answer when so many others provided non-updates. He apologized and said there was nothing Barclays could do at this point, except remove one of the balance transfer fees and waive the late payment fee that was assessed after XX/XX/XXXX. 

I just paid the necessary amount on the Barclays Ring account so I am no longer exceeding the credit limit. It sounds as though Barclays will be taking no further action at this point.
please remove this information off my XXXX equifax and XXXX report address on my report do not belong to me and
I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
A stop payment was requested against XXXX XXXX with my banking institution/XXXX  XXXX on XX/XX/XXXX. While initiating the request an " estimated amount '' of the transaction was to be provided, with the understanding the amount wasn't necessary to stop the payment as long as the merchant information was correct. It was presented in a manner to seem as though it was a filler amount for the banking customer service side. Stop payments have a fee of {$31.00} per bank account. As this merchant and I were in dispute that may go to litigation, I felt this would be the correct course of action, barring closing bank accounts. What followed, the merchant was able to post a transaction to my account on XX/XX/XXXX. The stop payment was not effective whatsoever. After speaking with Wells Fargo today, XX/XX/XXXX, they then stated that the amount was I gave them as an estimate was not accurate, so therefore they could not stop the payment based upon the merchant information. After speaking with XXXX, XXXX and then finally XXXX in the customer service department, a " courtesy '' reimbursement for the stop payment fee was issued after they originally stated they could squeak by with reimbursing {$7.00}. As I've been a Wells Fargo customer since XX/XX/XXXX, I've reached the limit on my customer loyalty after experiencing horrible customer service coupled with scam fees.
Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''
This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed immediately!!
As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( Equifax, XXXX and XXXX ) about the inaccurate information being reported under my name. Equifax claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.
In XX/XX/2012, I was preparing to XXXX to XXXX so I went into the XXXX XXXX website to fix allotments to make sure that my finances would be taken care of while I was XXXX. I accidentally deleted the allotted for SNAAC. I had no idea until XXXX XXXX who happened to a Representative for them at the time made attempts to contact me in XXXX by email, but since I was often out on missions she was unsuccessful. She contacted me via XXXX XXXX which in hindsight seems to me like an peculiar way to contact someone for debt collection. She threatened to contact my XXXX XXXX at the time, which she either did or someone from the Rear Detachment at XXXX XXXX   gave her XXXX XXXX 's email or relayed the message because I got a stern talking to from XXXX XXXX about paying my bills on time and threats of XXXX if I didn't take care of the problem. I took care of the issue as soon as I was able to get to a computer and then applied for refinancing with XXXX XXXX XXXX XXXX upon my return to the United States.