WillisBack/dataset-financial-user-claim huggingface dataset:
I am a retired XXXX from XXXX XXXX XXXX. When I retired, I elected to sell my residence at XXXX in XXXX and reside in XXXX with XXXX residence in XXXX. In XXXX, I had taken out a second mortgage on the property for {$100000.00} with XXXX Bank, now defunct, which I repaid in XXXX. On XX/XX/XXXX, when I closed on on the sale of the property I was told that Bank of America held a quit claim on the property, leaving me breathless. Althought the mortgsge had been repaid fourteen years earlier, I was told I could n't close unless I allowed Bank of America to hold roughly {$100000.00} at closing. My attorney has constantly tried to deal with them to no avail, trying to contact them perhaps more than a dozen times. To the best of my knowledge, only once were they willing to talk with him, telling him it may take as long as a year for them to find the title clearance in their records. We have repeatedly sought a resolution and they will not respond, in spite of it being more than a year. XXXX Bank was acquired by Lasalle National Bank, which was in turn acquired by Bank of America. In XXXX, Lasalle National Bank sent me a letter telling me they were closing their trust department and asked me if I would like a copy of their records, to which I responded in the affirmative. Accordingly, they sent their records via fax to the economics department at XXXX. Unfortunately, I assumed the matter was proforma and the title had been properly transferred, neglecting to notice that there was an active quit claim deed. I still have those documents. According to my attorney, Bank of America is n't claiming that I have not repaid the mortgage, only that their records do n't show the tile being cleared. Since three years after I repaid the mortgage the Lassalle documents showed it still had not been processed, they obviously wo n't find any record of the transfer. They say they wo n't return my money, which is being held in escrow at a title company, until they find the transfer. Both my attorney and the title company have tried to return my money through alternative means, but Bank of America simply wo n't cooperate. My friends who work at the federal Reserve and the SEC are utterly astounded at what has transpired. It has been more than a year and I am quite upset. It does n't seem to pertain directly to any of the categories below, but I am checking one so that I can proceed with this application.
Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.
XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. 

A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).
On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.
I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.
I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation. 

The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.
I tried to place a freeze online on my Experian Credit File. After entering all the requested information, I was told they were unable to place a security freeze based on the information I entered. I tried again with the same result. They want me to mail them at a P O Box my name, ssn, dob, address, a copy of my driver 's license, a utility bill, and a bank statement in order to process the freeze. ( To protect my personal information, they will not return the correspondence. ) In contrast, I froze the other two bureaus online in a matter of minutes by giving the same information.
XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file
XXXX XXXX and their foreclosing firm, Rubin Lublin has wrongfully collected funds from the sale of my foreclosed house. XXXX billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, XXXX billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, Rubin Lublin. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by XXXX for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.
A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.
On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.
Dear national credit systems, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX
The FICO score division of TransUnion is reporting a serious delinquency on my XXXX XXXX. No delinquency of any type exists. No company has reported and type of late pay or any delinquency because one does not exist. Their computer generated this delinquency because a credit card account showed a balance but no reporting from the credit card company and their computer interpreted this as not making payments. The balance does n't exist and there has been no activity on the account. The delinquency does not even exist on TransUnion 's credit report. It is the FICO divisions computer that is assuming this delinquency. I disputed it and got a letter from TransUnion saying it had been updated. Yet it is still being reported that there is a serious delinquency. It has so far cost me in higher insurance premiums and is showing up on my report while I am trying to buy a new house.
Filed a dispute of a credit card to TU in XX/XX/2016 for the amount they were reporting since it wasnt correct. Instead of correcting the amount, they completely deleted the credit card from my credit report. Every other credit bureau is reporting this card and I have called TU repeatedly to fix this and they wont. I have called the Credit card and they are still reporting my card usage to TU but TU refuses to add it back to my account. Since this has happened I have been not able to move forward in getting a home because they have severely damaged my credit score. They will not fix this, please help.
On XX/XX/XXXX there is a hard pull on my credit report from Capital One. this is fraud. To date, I should only have 2 inquires from Capital one. 1 being from my auto loan that I refinanced through them and then another more recently one in XX/XX/XXXX. The XX/XX/XXXX one is correct, this is for a credit card that i applied for and then closed given that i was not aware there was an annual fee. I have had suspicious activity on my account that i have disputed and can ultimately say this is fraud/identity theft. I have not applied for anything other than my car loan and this most recent credit card with capital one.
We were supposed to receive one annual tax disbursement from our escrow account on or before  XXXX   XXXX , made out to us and the tax authority. That amount would have equaled {$3700.00}. Instead we received a check from  Franklin American f or {$750.00}.     Once we got a second tax bill in    XXXX  2017  --  and no check from  Franklin  -- we realized there was something wrong. They had paid us a quarterly payment instead of an annual payment. After many long, fruitless conversations with the service center, and one with a helpful ( and knowledgeable ) person at the corporate headquarters, we thought we had the issue resolved.     Without our knowledge,  Franklin  sent a check for {$2600.00} directly to the tax authority. We were literally about to mail a tax payment ourselves ( and consider hiring a lawyer ), since  Franklin  had never updated us as to the status of our tax disbursement.     This leaves a remainder of {$320.00} in our acco unt ( if  my math is right ) that  Franklin  should have sent us  four  months ago. We 're still waiting.
I called to make a payment, short version the man decided to tell me I had a attitude for asking questions. The manager was just as insufferable. The absolute worst people Ive ever had the displeasure of speaking with. These people ( that term used lightly ) behave as they are above you because you owe money. I actually find that funny as a majority of America has debt, that being besides the point they are awful miserable individuals who have no business working with people. I am in awe of this company in the worst way possible.
I have written and spoken with XXXX, XXXX, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and XXXX and Experian did n't budge has refused to budge and continues to report this on my file.
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
We fell behind in our payments back in 2014 following a really unreasonable modification. The modification was over {$1300.00} and placed our loan into 40 years. At XXXX years old we will never live to pay this off. A few months after the modification the payment went down to {$1200.00} a month. We fell behind XX/XX/XXXX due to the fact I am having health problems and my medical condition is on going at this time. We also lost about {$400.00} a month in income due to family members moved out of the home, in which they where contributing to the household at the time. We received a notice from the mortgage company Nationstar that we had to have in a payment just over {$2000.00} by a date in the letter in XX/XX/XXXX. We contacted our point of contact person XXXX XXXX and informed her we where having difficulty and that we needed more time. Again we contacted our mortgage company and the man that answered the phone told us we had to have in over {$4000.00}. We informed them we did not have that much but could make a payment and where awaiting our tax return. Within a week the amount went up to over {$7000.00} and they turned the account over to a lawyer for collection and foreclosue precedings. We have attempted since XX/XX/XXXX to make a payment in order to get caught up but they will not take any payment, in order to help us out. Now we can not even get a response from XXXX XXXX at Nationstar or the law office they sent the account to for collection. In the meantime we are just getting further and further behind. We where not looking for another modification just a forbearance to get us time to get our finances back on track. We did get a letter from someone at Nationstar that handles compliants but that only puts the side of the story out that tells how we are behind. How they says they are out to help us and wo n't even return our calls or talk with us. Feeling stressed out due to we have a son with a XXXX and fear we will be out on the streets.
I have been requesting a loan modification from my bank Chase Bank for the past XXXX years and have been rejected each time. Their statement is that I can pay the mortgage even when I have presented them with documentation of my hardship. I am now resubmitting another request for a modification with Chase Bank.
I was not properly notified of this debt and it was illegally placed on my credit report without a chance for me to dispute it.
Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
OnXX/XX/XXXX I opened up a checking account with Capital One 360 under the premise that if I make 2 direct deposits of XXXX by XX/XX/XXXX that I will be awarded XXXX. I rearranged my direct deposit to satisfy the stipulations. There was a direct deposit made on XX/XX/XXXX and a direct deposit on XX/XX/XXXX. I called yesterday to see when will I be getting the incentive and I was told because the promotion was n't targted to me that I will not be eligible. That was not apart of the criteria when I opened the account and after I opened it, I called the next day and was told that I would be eligible. I spoke with 2 representatives on XX/XX/XXXX that told me that i was not eligible for the incentive. I posted this issue on their XXXX page as well as I emailed the CEO of the company. Companies should not be able to take advantage of people in this way.