WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America 's CEO, President, Attorney XXXX has the background of our XXXX rooted mortgage XXXX situation, involving IRS estate tax time window whereby, millions were lost needlessly, affecting BofA mortgage XXXX, its collateral, XXXX, XXXX, not intended to be sold, if Winchester commercial realtors performed as hired. 

DOUBLE DIP -- BofA, by involving smaller lenders, rewinds the mortgage clock, to day one. 

My siblings and I, through our parents ' estate have already, since XXXX, paid in approximately $ XXXX in lump and other payments, to XXXX. This is $ XXXX out of about a $ XXXX or thereabouts purchase price. 

Compassion and humanitarian perspective needs to be heightened, as I have XXXX siblings, approaching senior years, who have lived life with XXXX, believed to have been due to exposure to DDT as infants, in agricultural area. THIS XXXX. HOUSE WITH OTHER PROPERTIES ARE OUR BACKUP PLAN TO WELL-BEING. GRATEFUL FOR XXXX, XXXX, XXXX, BUT THESE PROGRAMS ARE IN THE FINANCIAL RED, MAY OR MAY NOT BE THERE LATER. 

PLEASE ASSURE BOFA UNDERSTANDS, we can not afford " double dip, '' as after paying in approximately $ XXXX, another $ XXXX, rewinding the mortgage to day one, would have a house worth about $ XXXX on the market today, THEORETICALLY COST ABOUT $ XXXX! THIS SHOULD BE A VIOLATION IF ANY BANK CHARGES DOUBLE FOR A HOUSE, IN REALITY FIGURES. 

In XXXX, BANK OF AMERICA SETTLED $ XXXX IN MORTGAGE VIOLATIONS, WITH CONSUMERS. 
MAY OR MAY NOT HAVE BEEN GIVEN THE SAME OPPORTUNITY THROUGH USDJ/BofA Stipulated Settlement on XXXX. 

I wish for BofA to understand that my family and family estate can not be victims to smaller lenders. We need to work with BofA exclusively and inclusively, as it has the best online banking services and best long term customer service for business and personal. 
Above all, we can not afford double dip into our mortgage payment plan, where a house begins its price tag at $ XXXX or thereabouts, there are payouts close to $ XXXX with improvements, then, a smaller servicing lender, BofA hands the loan off to, rewinds the mortgage to $ XXXX, day one XXXX, figures. THEORETICALLY, BECAUSE OF INTEREST, THIS CAN END UP MORE THAN DOUBLE DIP, as just taking payout approximate amount with improvements being close to $ XXXX, adding the rewind $ XXXX XXXX figure, Equals about $ XXXX -- possible unjust impoverishment case for any homeowner, especially, if house markets in XXXX, at $ XXXX. 

LARGER BANKS HANDING OFF LOANS TO SMALLER LOAN SERVICING PROVIDERS : SMALLER LENDER HANDOFF GOUGE SHOULD BECOME A CONSUMER PROTECTION LAW, INCORPORATED INTO HOMEOWNER BILL OF RIGHTS LAWS -- LIKE CALIFORNIA 'S XXXX. 
LEGAL SAFEGUARDS TO PROTECT AGAINST UNJUST IMPOVERISHMENT OF HOMEOWNERS.
Good Day : In XXXX of 2016, I went to Prosper online site to see if I can obtain a loan for {$5000.00}. I was approved for the loan and checked the box agreeing to the terms and condition of the loan ; however, when I found out that the fee for obtaining the loan was 4 % of {$5000.00} = {$200.00}, I did not want to pay an upfront fee to obtain the loan and exited from the website. 

I did not submit the loan application. After about 2 days, I was informed through my email that the check will be sent to my bank account. I called the customer service office immediately and informed them that I did not submit the loan application and that I was not interested to obtain any loan from them and that they should stop the transfer of the money to my account. 

I was told that they can not stop the money to my account and that I can return the money once it is in my account and I did as instructed. Now, prosper has been calling me that I owed them about {$160.00} for the month of XXXX 2016 and may be other amount for subsequent months. 

I have called the customer service office several times and it seems that they can not resolve this issue. Please be informed that Prosper did not request for any proof of employment or documentation showing the ability to pay the loan in violation of federal lending rules. 

Thank you
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, XXXX and Experian in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX
TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.
There are  XXXX  very old   XXXX   accounts that are not supposed to be reporting on my credit. The  XXXX   XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The  XXXX   XXXX  card account has an account number of "  XXXX  '' with an open date of  XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called Chase a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bure au is refusing to honor my creditor 's deletion request.
In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.
Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX
On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.
There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me.
Capitalone 360 did not honor a check they say they would honor as a XXXX time couresty.
I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!
I have taken out loans through Rosebud Lending ( d.b.a. XXXX  ) in the past but I was unaware these loans are illegal in my state of Arizona where I am located. The interest on my loan is more than 500 %. I have already repaid the initial balance and interest ( more than 130 % of the original balance within 2 months ). I would like this loan to be voided since it is illegal in my state. I am not, at this time, seeking a repayment of the thousands of dollars I have already repaid under previous illegal loans.
I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
I was billed twice for XXXX XXXX XXXX for XX/XX/XXXX season. 

I have been double billed for my XXXX XXXX XXXX account for XXXX. 

Initial charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX - SEASON XXXX CA {$99.00} Subsequent charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$99.00} I have written XXXX emails to XXXX XXXX XXXX support at XXXXXXXXXXXX I have also disputed the charge with XXXX twice and had long discussion with them for second dispute. The second dispute was denied today as they said it was not the same merchant. That an online merchant could use multiple billing methods seems beyond their comprehension.
On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.
History : XXXX XXXX XXXX held Several loans, I applied for Home Loan Modification and XXXX they gave me the run around as they ended up having to pay XXXX ( DOJ lawsuit ) as a result. Nonetheless, XXXX sold my loan to Nationstar Mortgage. When this particular loan was moved to Nationstar they told me that I had a Home Loan Modification @ 2 % FIXED for 40 years. I told them okay. ( See attachment with screenshot of 2 % FIXED 40 years ) Well recently, late XXXX/XXXX they increased my mortgage payment and denied I ever had the Home Loan Modification and is now telling my I have an APR??? What? I 'm so frustrated because they CONTINUE to get away with these type of things. Naturally, I paid the increased mortgage payment ( Because my credit has been RUINED not making payments. I did n't want to stop because it would not help while I 'm trying to rebuild. I decided to write instead. I want my 2 % FIXED 40 Year Mortgage re-instated. I 've requested from Nationstar..instead they are moving again to different Company name " XXXX XXXX '' because they are trying to hide from the same illegal practices XXXX was sued for.
XX/XX/18 Open a Account I was not able to open a additional account at a bank that I already have a account open?
CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.
Name of company : Portfolio Recovery 3rd Party Debt Collector Company repeated calling me 4-5 time a day on my work phone and on my cell phone I have them blocked on my cell phone but not on my work Phone. I have told them to Stop calling me at work. That does not detour them.
Over the last 6 months 4-5 times a day
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Sent a certified letter dated  XXXX / XXXX / 17  requesting the company complete the items requested in the letter to Validate the disputed amount owed.     They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.
On XX/XX/2018, I was notified by email from PayPal that my account was permanently suspended and that all remaining funds would be held for 180 days. This was due to an unprecedented security flaw in PayPal 's system which enabled cyber-attackers to access compromised accounts, and consequently file unauthorized transaction disputes through PayPal 's Buyer Protection Policy after receiving said items. 

The reason I am filing this complaint is because PayPal claims to hold all funds for 180 days in case of any chargeback attempts filed by buyers through their respected credit issuing agencies. However, most of these chargeback disputes have already been filed and effectively settled, by PayPal reviewing each case and successfully covering me under their Seller Protection Policy. Therefore, there is no valid reason for the majority of my limited balance to be held for 180 days, since the chargebacks have already been effectively settled and covered under PayPal 's Seller Protection Policy. 

I would also like to stress the fact that this is a MAJOR security flaw, and possibly thousands, if not millions of accounts are currently compromised and vulnerable to attack. PayPal does not offer an effective solution to these affected account owners, such as sending notifications, requiring a form of 2-factor authentication, or requiring a password change. There is also no way for PayPal to determine if these account owners had used a proxy to login to their own accounts, to successfully file an unauthorized transaction case and receive their money back, or if they were genuinely compromised by black-hat cyber attacking thieves.
On XXXX XXXX, XXXX, a customer of ours transferred {$910.00} to our Paypal account. The same day, XXXX charged {$27.00} for this transaction. Also on the same day, I requested that the money is transferred to our XXXX checking account. Paypal would only transfer {$500.00}. Since then, we are trying to transfer the remaining {$410.00}. XXXX is coming up with excuses. SSN needs to be entered in profile, technical issue etc. None of them has fixed the problem and I still can not transfer the money as of XXXX XXXX, XXXX. As if Paypal was trying to keep it for themselves. They should be punished and forced to reimburse the high fees that they charged.
I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information
I received a screenshot from mother of a letter she opened in the mail stating that they demand payment in full of all principal, interest and any outstanding fees. At the bottom of the letter it says call us to make payment arrangements. I called their customer service and was asked to verify my information with them which o nly 1 of the 3 contact pieces they had were correct. My address seemed to be right in their system yet I have never received any correspondence from them about my student loan. When I called I was told that the letter demanding payment in full was not true and they tried to apologize for that being sent to me and also told me they have no payment arrangement options available except for forbearance ( but only if you are a certain number of days late ) otherwise they have no other ways to assist a borrower with making payments and coming current. So basically the letter I received was not right and they had no way of pulling it up to confirm that with me. I am frustrated because no one in the company knew the differenc e between payment arrangements and forbearance when I tried to go into detail about what could be available to me. I got no help and was told to look at my promissory note ( that i signed in  XXXX  ) and see what options are available to me under that if any are or if my loan defaulted that it would go back to citibank and they would come after me. ( THIS COMPANIES NAME IS   XXXX   XXXX   WHO NOW SERVICES AS OF  XXXX / XXXX / XXXX   XXXX  STUDENT LOANS )
Bank of America Credit Card Services has on multiple occasions in one year charged {$1.00} interest on a XXXX balance. I have continued to call multiple times, each time they remove the fee and apologize for inconvenience, but yet do the same thing each time I have paid a balance and have a XXXX balance. Bank of America is deliberately charging customers {$1.00} on XXXX balance, is aware of the issue, but does nothing until a customer calls in and complains.