WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XX/XX/XXXX I filed a complaint with XXXX XXXX and through his office the complaint was filed with CFPB ( complaint # XXXX ). My main complaint was against Bank XXXX XXXX as they had taken all the bad loans from XXXX XXXX XXXX XXXX XXXX. CFPB closed my  complaint as BOA claimed that XXXX XXXX XXXX XXXX XXXX has ownership of my property. On XX/XX/XXXX I purchased the property the mortgage was recorded on XX/XX/XXXX, Book XXXX @ Page XXXX. The mortgagee was XXXX  XXXX XXXX , XXXX, XXXX MIN # XXXX, the Lender was XXXX XXXX XXXX , XXXX An Assignment of mortgage was prepared on XX/XX/XXXX, by XXXX  XXXX XXXX assigning the loan from XXXX XXXX XXXX , XXXX to the XXXX XXXX XXXX XXXX XXXX , the assignment was executed by XXXX XXXX who acted as a secretary of MERS when in fact, XXXX XXXX is an Assistant Vice-President of XXXX XXXX XXXX , her signature was notarized by XXXX XXXX who also is a SAenior Business Analyst for XXXX  XXXX XXXX . The assignment was recorded on XX/XX/XXXX in Book XXXX @ Page XXXX. Since XXXX XXXX is not an employee of MERS and does not have the authority to sign in their behalf this automatically prove fraudulent robosigning and faulty loan ownership documentation which is against the XXXX XXXX XXXX and the Regulation X of CFPB. XXXX XXXX XXXX , XXXX has full ownership of the property as the original Promissory Note was not endorsed at all ; the securitization of the mortgage has been violated by mortgage transfer, for that XXXX XXXX XXXX , XXXX is the ONLY one who has the authority to foreclose the property. I requested a modification in XX/XX/XXXX and in XX/XX/XXXX I was awarded with a Home Affordable Modification, which was in violation of Making Home Affordable, the loan was to be modified for 40 years, instead was modified for 26 years, also under Making Home Affordable Guidelines I would have qualified for a Loan reduction as my property was under water instead I ended up with a deferred principal balance and a balloon payment in the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX transferred the loan to SLS who has refused to work with me as I am going through a divorce and I am a self-supporter. On XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX issued a check payable to me and my X-husband in the amount of {$10000.00} for fire damage. MY divorce attorney forwarded the check to SLS, on XX/XX/XXXX, up to date, I do not know what happened to this money as I never received the check back or SLS applied the money to the outstanding balance of which would have brought the loan current at that time. I am requesting for this case to be reopened and bank regulators to be assigned to this fraudulent case, and I hope that this time that I will get the help I deserve, need and justice for all.
I have reached out to both XXXX and XXXX XXXX by email and phone calls about the attempts to pull my credit on XXXX/XXXX, XXXX/XXXX/, and XXXX/XXXX. Emails were sent on XXXX/XXXX. Follow up calls were made XXXX/XXXX-XXXX/XXXX.  I explained that I am a victim of identify theft and that is why I have a fraud alert and security freeze. That neither of those companies followed the process of calling me on my cell phone and asking the additional security questions that they are required to follow.
I filed a complaint before on this same issue and just got the latest response. Their response finally acknowledges that he was not authorized on the account and the multiple court documents crafted, signed, and submitted for them. However, it claims that I gave him permission to use the extra card that he ordered from them without my knowledge. Really, Wells Fargo? I found out about such a card when he took it as he took a couple of other things ( including money that was legally solely mine out of a Wells Fargo account after Wells Fargo had been informed that he was not an authorized person and Social Security had also made the same determination ). I reported the thefts to the local police. They were not sure how to respond because of the federal element ( social security ) and directed that the court would determine response. The court did. He stole those things. I am not to be held responsible or liable for them in any way ( held harmless ). He must make restitution for what was taken / fraud. All of this ( police report, court documents ) have already been given to Wells Fargo. They know that I did not hand him a credit card and tell him to use it after removing him from all of the accounts and calling the police on him. They gave it to him without my permission ( just like the cash he also took from their account ), in fact after being explicitly informed not to, and he absconded using it. As soon as I found out, I reported it, and they have continued to pull one excuse after another from a pre-set list, often rotating them, on why they won't fix the issue. And excuse after excuse doesn't hold water, is illogical, is countered by documentation, is countered by courts. So they can try again here. I've already shown that he was not authorized, that literal theft and related crime was committed. If they want to claim that I still somehow told him to use this credit card, then they need to prove it ( because it's axiomatic and documented that I did not ). Find another, better excuse, Wells Fargo.
PLEASE DO NOT MARK AS DUPLICATE. This is my third complaint about an issue that was not resolve by the bank. Case #  XXXX  was marked as duplicate but it is NOT a duplicate. Please read the content and have the bank address my issues.     Barclay closed my credit card without prior warning and wo n't give me a specific reason. This has caused a lot of inconvenience.I filed a complained already requesting a refund for the {$89.00} annual fee they charged but Barclay denied my request stating : " As stated in the terms of your  Cardmember Agreement , we reserve the right to close your account at any time, without prior notification .... With respect to the {$89.00} annual fee, unfortunately, we are unable to issue credit since the request for account closure was not processed within 60 days of the fee billing date. " First of all,  Barclay  was the one that closed my account without warning and states they have the right to close account any time. The 60 days does n't even apply because I was given no choice with the account closure. How is this business practice fair to the consumer if a bank can just charge an annual fee for a card, collect money, and close accounts any time?
In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Equifax sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EQUIFAX the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EQUIFAX is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. Equifax is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate information
On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Bank of America deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Bank of America the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Bank of America fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Bank of America and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Bank of America and is in jeopardy of being distributed to another party which is not right or fair at all.
Went into local branch in XX/XX/XXXX to remove deceased, change address and add another person to account. Now the interest checks are going into account. Even after 8 visit to resolve. Now being told it would be another 60 days.
I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.
I have contacted XXXX and Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX, XXXX.
XXXX refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.
I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.
This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.
I call the collection office and no one is available to talk to me, also let a message and no one call me  back.
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..
I have sent multiple letters and made request online in XX/XX/2017 to have fraudulent inquiries removed from my credit profile. Equifax has been no help in this situation even with my Personal Information being impacted twice by their cyber breaches. Equifax did not look my disputes they sent me a generic letter explaining what an inquiry was instead of helping rectify an issue caused potentially by their breach.
On XX/XX/XXXX Plaza Home Mortgage took XXXX out of our escrow account and paid themselves XXXX on XX/XX/XXXX. 

Then XX/XX/XXXX the loan was released with a negative escrow of XXXX to XXXX XXXX XXXX. In the month of XXXX our mortgage payment went from XXXX to XXXX which put me and my family in a tight spot. 

We refinanced our house to pull funds out of equity to pay off other debts so we could afford this new house note our starting principal was XXXX and our now principal is XXXX. 

We also had the hardest time paying off my loan care because they rejected the pay off amounts 4 times once I did a conference call with the lady from title source they put us on hold and hung the phone up in my face. They said the reason for rejecting the payment because it was not the full amount and the lady from title source said that is not the case so after they hung up the phone it left me with no other option but to pay XXXX to meet the new pay off amount with hopes of them closing out the loan so I wont have two mortages open at the same time.
Our Mortgage was taken over by Bank of America in   XX/XX/XXXX  and we have had nothing but discrepancies with our payments with them ever since.We have tried to modify or re-fi our loan several times since  XX/XX/XXXX  and Obama claimed " I have made it easier to modify mortgages for the American people ''. We were denied a modification and In  XX/XX/XXXX  our  lawyer filed  a Motion to Compel Accounting w ith the courts to try and correct the shortage error they said we owed. I have provided bank statements  4 or 5 times, with proof each time of 2 years back payments to them over the last 7  years we have been fighting with them. They corrected the  first  time with a payment by B of A of {$14000.00} on  XX/XX/XXXX . The second correction was a payment by B of A of {$11000.00} in  XX/XX/XXXX . I have spent hours on the phone with B of A and in my total and utter frustration asked them to open up a claim in B of A 's " Research Dept '' to try to correct this. A man named  XXXX  called me weeks later and said he was from the  " Acquisitions Dept ''  with B of A ( #  XXXX  ) and stated when I questioned what was the mistake? I feel B of A owes me an apology and he just said " I do n't know, your loan miraculously was fixed of a {$15000.00} mistake! '' B of A is stating it is now currently that we are {$59000.00} behind. I am soon refusing to give them any more statements or time on this matter. We have never missed a payment in these time frames! We finally stopped making the mortgage payment several months ago to get them to do something, they said the only way we would qualify for a mod is if we stop making the payments. In order to stop foreclosure now we recently went to credit counseling and applied for  HEMAP. We were denied HEMAP because we make too much money. They have offered a modification finally!!! The terms are NOT to lower the payment and interest rate from currently 7.9 %, but they raised the 3 trial payments to {$75.00} above the payment we were currently paying. AND they will not disclose the " terms '' of this mod until we make the 3 trial payments. Never heard of such a thing! B of A told me the increase of the mod payment was for the shortage we are behind.The counselor from the  credit counseling agency we went to said she has never seen this atrocity before in her   23   years in the field, there is something wrong, especially since they corrected the error  twice on their end and we should file several complaints with whoever will listen. I filed a formal complaint with PA Dept of Banking in   XX/XX/XXXX  to no avail, did n't even hear back from them except that they have notified the Bank of our concern.   What this Bank has done to us has ruined our credit. We have not been able to refinance with any other bank because B of A has reported us as late payments all of this time since  XX/XX/XXXX , AND they have charged us late payments of {$100.00} every month since then! We are good people who have always paid our bills and our credit was in the high  XXXX    XXXX   when we bought this home. We have been her e 17 ye ars and do not want to lose our home. We are fed up. Please help.
The company did not give me the credit for the principle reduction. Further I was not notified by Ocwen about the settlement with the government despite writing them for the last 6 years. Why was I not included in the principle reduction. I have letters from that state my principle balance without the balloon payment. After I reported Ocwen to CFPB they went o. The attack made changes to my credit report and dropped my score over 30 points. I disagree with their response to you. Consumers including myself are still suffering at the hands of this company.
Over two months ago, I submitted an investigation request to Trans Union. They were supposed to respond within 30 days, but they have not.
I have a a unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY XXXX,XXXX,XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
XXXX XXXX XXXX XXXX was apparently bought out by Citibank. For SEVEN weeks we had no access to the account, nothing, no statement, no online access etc. Apparently none of the payment information transferred over where we had the account set up for auto pay monthly but NO one advised us of this and we weren't sent a new card in the mail to date. The new card will have a new number so there is no way to check on payments or get in the system to check on anything. I have been receiving collections calls from Citibank regarding payments I didn't make, except it is THEIR problem. The collections agent tried to collect for TWO months, even though the 2nd payment isn't due until XX/XX/18. I was then transferred to his supervisor since I am unwilling to pay a higher monthly payment that is high through XXXX and Citibank error and NO error of ours. XXXX employee number XXXX became condescending and nasty and attempted numerous times by PUSHING for a payment that isn't due until XX/XX/XXXX. I set up a payment for XX/XX/XXXX for a little more than the normal monthly payment but am still being harassed for a payment that is almost {$30.00} more than is due because of their late fee that they will only take off of the total balance but are still trying to collect on the front end. I was called via robocall at my place of employment to collect on something that was " late '' through no fault of my own. I believe I am due for these calls and treatment. They won't even send a NEW card at this point until I pay what they say as due but I have no ACCESS to my account. So I am filing for their unethical collections practices.
I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX   in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.
I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.