WillisBack/dataset-financial-user-claim huggingface dataset:
My mother passed away 9 months prior, and I have been paying and dealing with her mortgage and small estate since. The house was sold as of XX/XX/XXXX no thanks to BoA who nearly ruined closing being unable to provide us with a payoff letter until my brother found an automated system which apparently none of the reps in the Mortgage department knew about. 

The problem now is the remaining balance in the mortgage 's property tax escrow account. I have been attempting to deal with BoA for over a month. They insisted on sending a check to the address of the house that was sold against my instructions. The check was unfortunately not forwarded by USPS and was lost. In the meantime I send them every document they asked for losing them on 2 occasions. I sent them a death certificate and a properly filled out and notarized Illinois Small Estate Affidavit. They refuse to reissue the check and send it to my new address. I have called their mortgage department twice. I spent 30 minutes with a rep who first told me flat out that they will not accept the small estate affidavit. She then started giving me incorrect legal instructions to have it filed with the county which I immediately called her on. She then told me she would escalate the issue. 

I then faxed them a copy of the Illinois statute with the relevant portions underlined. Illinois statute requires them to accept a properly filled out and notarized small estate affidavit. Bank of America 's  own website says they accept small estate affidavits in compliance with state laws. I have not heard from their escalation department in the agreed upon 48 hour timeline.
My mortgage is with Ditech, which was formerly Green Tree. I admit that my payments have been late. I sent a postdated check ( dated XXXX XXXX ) for my XXXX payment. They presented it to my bank before that day, rather than returning it to me as unacceptable. Finally, on XXXX XXXX, I received a notice about the overdraft ( that notice was dated XXXX XXXX ). I sent a new check and letter that day. My letter pointed out that Green Tree ( the name at the time ) had been in possession of the overdraft check since at least XXXX XXXX, and that for some reason communications from Green Tree/ Ditech were taking nine or ten days to reach me -- considering the dates of XXXX notices I mentioned in the letter. ( In my opinion, they should have received my payment by the XXXX or XXXX, possibly on the XXXX at the latest. ) On XXXX XXXX, a man came to my house to show that someone was living here. He asked to take pictures of the property to show its occupation status ; I granted that permission, but, if he took a picture of me, that permission was certainly not granted. I am presuming that this would count as XXXX XXXX live contact required in the foreclosure process. However, the check I sent on the XXXX cleared my bank on the XXXX, and showed when I checked my online banking balance. I immediately messaged a friend that the check had finally cleared -- ten days after I mailed it. My message to her was made at XXXX Eastern Daylight Time ( XXXX area ). That would be XXXX in XXXX, where the check was cashed. Obviously, Green Tree/ Ditech was in possession of my check and held that check. My complaint could be much longer, but I will stay focused on this : Green Tree/ Ditech is holding check payments on my account, yet seems to be working on foreclosure without written notification that they are doing so. The first, post-dated check, was presented five days after I mailed it. The second check, mailed the XXXX, was not cashed until 10 days after I mailed it, and only AFTER the " live contact. '' Green Tree/ Ditech was in possession of the payment, but intentionally held it up. At the same time, I am getting at least daily phone calls from " XXXX '', even though I have informed the company ( in writing ) that I have a profound hearing loss, and can not use a telephone. I am getting notices from XXXX different addresses like XXXX days apart -- and, those notices appear to have been held up from the date of their issue. As part of its settlement order of XXXX 2015 ( with the FTC and CFPB ), Green Tree is supposed to respond to consumer inquiries in a timely fashion ( I asked them to hold the check, they did n't, I sent a replacement check in which I inquired about their timeliness and have not had a reply ). They are misrepresenting their actions ( I had to ask the man who came to my house WHY he was there, and he said it was to see if someone was living here, that a lot of people had just walked away from their homes ). In short, they are setting me up for failure by holding payments that have been made prior to Michigan foreclosure timeline requirements.
On XX/XX/XXXX I sent a certified letter to Diversified Consultants located XXXX XXXX XXXX XXXX, XXXX, XXXX stating I am disputing the debt listed and I need the name and address of the original creditor ; a copy of the alleged agreement between the original creditor and me ; documentation and a complete accounting of the amount claimed to be due, including any bills or invoices sent to me as well as any relevant payment history. The letter was delivered on XX/XX/XXXX and signed. they never responded to the letter. I sent a certified letter to XXXX, XXXX  and XXXX and they never deleted it from my file.
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.
No matter how hard I tried on the phone it would say I tried too many times and stopped and on line after answer all questions to the best of my ability it would not continue after that, just stopped.
Student Account balance and High APR on student loans and student accounts. I would like to enforce my civil rights act as a student and military dependent. I would like to enroll in limited to zero credit and information sharing as well. Thank you. 



XXXX Bless, XXXX XXXX XXXX XX/XX/XXXX Student Accounts in XXXX XXXX University, XXXX XXXX and XXXX XXXX, and XXXX XXXX XXXX.
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.
My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.
I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 


I received a written response from XXXX XXXX, a Resolution Specialist, from Bank of America. 
At the end of this letter, it states that " If you have questions or would like to discuss this situation further, please feel free to call me XXXX XXXX  XXXX, and I 'm available Monday through Friday from XXXX XXXX  to XXXX XXXX. Pacific. '' Since! I have made numerous calls leaving messages for her to please contact me, with no reply. I am now compelled to submit my query through this venue. 

In her response, she states " My research reveals that your application for the XXXX XXXX Agreement was  evaluated and approved under the stated income guidelines in XXXX 2002 ''. She also writes, " We have reviewed your claims of predatory lending. However, our research has uncovered 'NO ' reasonable factual basis to substantiate your claims. 

Therefore, we are unable to address your claim in detail at this time. 

If you wish to pursue this matter further, we will need you to provide factual detail in support of your claim and I will investigate the matter. '' My gross income, at the time, totaled less than {$37000.00} annually ( Soc. Sec. XXXX and Pension XXXX ). What also was not considered was my real estate taxes that were approximately {$15000.00}, home insurance and all other bills related to owning a home. Surely, had all these been considered this credit line of {$200000.00} never should have been approved. I feel I was duped into a 10 year interest only loan which now places me in the position of being unable to make the increased payments which will be more than triple my current monthly payments. 


The documents submitted to CFPB and sent to me by XXXX XXXX do not include a copy of the deed, copy of the stated income guidelines in XXXX 2002 (  which was part of the research that she claims my application was evaluated and approved ), copies of their income verification procedure and what was given by me as proof, copies of the the real estate tax and home insurance bills which were used as part of the loan process needed to secure the loan, and all other paperwork that was used to determine that I was qualified for a {$200000.00} interest only loan. 

I would like to receive these copies to show that, as she claims, her research has uncovered no reasonable factual basis to substantiate predatory lending. 


In fact, what was submitted to CFPB and a copy sent to me was a copy of the original loan from XXXX XXXX. 


Since this homestead is jointly owned, XXXX XXXX research overlooked the fact that the original XXXX XXXX loan was only signed by me. Why would this loan be granted without requiring both owners signatures. This clearly shows that this loan was made without taking the proper precautions of securing the loan and was definitely done through predatory lending.
These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.
I opened an account with PNC Bank. My ATM card was stolen and used fraudulently. I was unable to get a police report because it happened in a different city than were I live and my local police dept would not assist. The police dept where the offense occurred also could not assist because the crime had already occurred and I was out of the city. It was a mess and I could n't figure out how to resolve it. While still in conversation with the branch manager - PNC abruptly closed my account. Now it 's a negative " SUSPECTED FRAUD ACTIVITY '' on my XXXX report. The total due is {$1900.00}, which is ridiculous and incorrect. But my hands are tied because they closed the account so there 's nothing to dispute. They already sent it to collections.
the loan was paid off but XXXX. and XXXX show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
Received copy of garnishment from Employer which Frederick J Hanna Associates is attempting to garnish my wages for a XXXX XXXX credit card debt. I had the card back in XX/XX/XXXX, received last correspondence in XX/XX/XXXX and the debt written off back in XX/XX/XXXX to another debt collector. I have not received any future correspondence regarding this debt until current- XX/XX/XXXX from Frederick J Hanna Associates . The amount is 3 times the original debt, the statute of limitations has passed, the debt originated in XXXX but I live in XXXX and have been living in the state since XX/XX/XXXX. It is illegal to garnish wages for credit card debt in the state of XXXX.
eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an case filed against me that included " malicious intent. '' and " check fraud ''. I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an allegation made against me by " XXXX '' that included " malicious intent. '' I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.
I was approved for a forebearance through XXXX/XXXX/2016. However, Mohela is reporting past due for XXXX. I 've already contacted them about without a resolution.
My XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and have fraudulent transactions listed on the account.
I was with XXXX XXXX XXXX XXXX XX/XX/2016 and had gone through financial hardship and could not pay off the debt owed or make any payments which led to the debt being in collection. I was moving home to home and had little to no knowledge of credit and how to manage finances. I am currently trying to rebuild my credit and have more knowledge on credit now than I did before.
Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.
I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it
I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.
In XXXX I entered into a contract to purchase a pre-construction home, The builder had requested proof of my ability to purchase the home and had their own XXXX XXXX provide XXXX XXXX for the 1- unit building where my townhouse is part of the units there. I early XXXX the builder contacted me to provide permanent financing, I was directed to a mortgage broker and they provided a mortgage through a XXXX XXXX XXXX XXXX XXXX, at closing the true lender was not disclosed and it was table funded by XXXX XXXX XXXX. At that original closing with XXXX XXXX XXXX the closing agent and the Mortgage Broker asked that they make copies off all the documents and I would be provided copies at a later date. The later date came and passed and I never received any of my closing document including the TILA and RESPA document regarding my options to cancel the mortgage. I had made numerous attempts over the next several years to obtain any of m, y documents and finally received a portion from XXXX in XXXX and fromXXXX in XXXX. After making the first years payment all on time I received a new type Payment coupon fromXXXX homes with a multi payment option AKA " XXXX XXXX XXXX ''. After making my payments for the first year to XXXX I file a rescission demand letter via US Certified mail to Both XXXX and after received only verbal response from XXXX they directing me to contact XXXX  I sent two Rescission Letter to them also. none of these entities ever filed an law suit to cancel the rescission letters. I only received one letter about two month later fro XXXX XXXX XXXX that they were not honoring my request. I tried to sue them for fraud since the entire country at that time had been raising issues about the Mortgage industry and their actions that crashed the entire financial markets. In early XXXX I was told able a similar case to mine involving the same company XXXX XXXX XXXX that the US Supreme Court ruled that Rescission was effective upon mailing. I also found the same facts in that case were very consistent to my matter. I 'm representing my self in this matter and would like to have some help and assistance from you Bureau. I 'm a senior citizen and have been XXXX for more that 8 years. Respectfully, XXXX XXXX XXXX. E-mail XXXXXXXXXXXX contact number ( XXXX ) XXXX
I purchased a home in XX/XX/2017 and the inspection indicated A/C should be maintained. I called XXXX  XXXX XXXX and as soon as he opened unit, he broke part and sold me {$1500.00} part to keep running. In the meantime - and before he left, he had a salesman here who mislead me in unit I was purchasing and did not offer financing options. He placed financing with XXXX and they are a nightmare.this is an I was not advised this is an installment loan, I thought I was financing an air conditioner. Since that deception, I lost my job and was a natural disaster victim. The promotional period ran out and XXXX REFUSES to allow a hardship program or reduce interest rate.XXXX XXXX refused to honor their warranty, forcing me to pay for maintainance and XXXX gives no consideration to their vendors action.
I 've attempting to apply for  XXXX   XXXX   XXXX  that is up to {$17000.00}. I have worked in a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the passed 21 years, and meet all the requirements but have received no assistance.     I 've completed all the necessary paperwork but to no avail. I continuously receive emails notifying me I eligible for the assistance ... ... then complete the paperwork and nothing happens.     Why?     Can you help.     Sincerely,  XXXX  in too much debt.
I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX.  Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support. 

On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.
I received a letter from citi that I was automatically enrolled in a Credit Protection program for which I am charged a monthly fee. It was for my Macy 's credit card account. The letter provided terms of conditions and " reminded '' me that there is a fee for the program. I never signed up for this program, nor am I interested in participating. I tried to cancel online, but the website did not work. I was finally able to get ahold of someone after 10 minutes on hold. I cancelled the service and requested a cancellation notice. I also called Macy 's and notified them that I will be canceling my credit card as a result of this practice. I think this " automatic '' enrollment is a predatory practice and I am sure that many people are " automatically enrolled '' and charged a fee without even knowing about it.