WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage.
I have had a credit card with the Bank of America for decades. The service I have received is excellent. I am a veteran of the XXXX war and a retired XXXX XXXX XXXX and the Constitution is very dear to me. The Bank of America recently decided to distance itself from the XXXX and the provisions of the Second Amendment to the Constitution 's Bill of Rights. I would point out that even before the Constitution was written, the XXXX War could not have been successful because the actions of loyal Americans protected later by the Bill of Rights were in part responsible for the success of that war ; men who volunteered and took their own firearms to battle against oppression by the XXXX  government. I am deeply troubled by this action of the Bank Of America and it is my wish that they reverse this terrible and un-american action.
initially filed complaint # XXXX indicating that this company will not provide any information, help me verify the debt, or remove my cell phone number from their dialer without requiring me to provide personal identifying information. 

CFPB forwarded the complaint to the said company. 

Said company then responded that they could n't deal with the CFPB unless I completed a HIPAA release providing them with even more personally identifying information including SSN, DOB, and permission to share detailed medical information. This is a scam!
I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.
I have sent CAPITAL ONE BANK legal documents like, XXXX Affidavit, Promissory Notes. They have told me that they shedded all the paper work that i have sent to them. That told me they do n't deal with that, they the documents had to go to some place else. Those were legal Notarize Documents. they Should had forward them to the correct place, or sent them back to me, They never rebutted my XXXX Affidavit. They have violated some security Laws. That XXXX stand truth in XXXX if not rebutted. You do n't destroy legal documents, it is against the law.
In XX/XX/XXXX this company contact me as a service provider for federal repayment loans. They presented themselves as an agency that works for/with the government to initiate a payment plan for student debt. A month later I received a notification that my extension for payment ( s ) was being revised. I called the company and requested the immediate cancelation for their services. That phone call went to three different phone specialist to try to convince me to stay. The last specialist appeared to be their last chance to convince me otherwise but I was very clear that if I wanted an extension I would ( XXXX ) file myself and I sure as XXXX would not be paying {$200.00} a month, every month. That is just ridiculous. Services were canceled XX/XX/XXXX and I did give them two payments of {$200.00} a month. Money was not reimbursed. I was contact XX/XX/XXXX by the FTC to warn me of this company. XX/XX/XXXX, Ameritech also contact me via mail to be contact.
XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.
Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.
I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX
am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
There is old outdated credit on my file when I dispute the information Equifax just updates information does n't accurately dispute the information I do n't believe it even does to the creditor who is reporting. Since I joined the credit monitoring program my score has gone down significantly.
After they called me, I called them back and asked for a settlement and that they stop calling me. They would not agree. I then called back and they would not allow me to make a settlement on my account without agreeing to allow them to call me regularly about the debt. I did n't agree and asked again for a settlement. The would not agree to take my settlement offer. It is hurting my credit score and they wo n't let me pay it off.
On XXXX night XX/XX/XXXX XXXX going into XXXX XXXX use to withdrawal XXXX the machine got to the point where it stated to counting the money but the door that the money comes out neve opened up instead it repeated The process again but no money stii does n't in it printed a receipt saying incomplete transaction. So I used the machine next to it abd this time a receipt comes out stating contact your financial institutions. So but now Im on the phone with my financial institutions which is American express they tell me that on their side the money came out. So now I 'm mad because they was playing with my hard earned money I get the manager of the XXXX to make him aware of what was going on with the Mac machine. So a lady comes in about XXXX to use the Mac I asked her could see use the one that I used to see if it works for me and low and behold the Mac machine got to when it ask you your amount. Well the lady went to hit XXXX the Mac machine cuts completely off then cuts right back on and saying temporary out of Order and American express keeps playing game they told me to send copies of my receipts I also sent my drivers license and prepaid card I sent in then they stated that I have to fill out a dispute form out I filled that out. I call them on XX/XX/XXXX to see if they received the documentation they asked me. Then they informed me that they was n't going to contact XXXX. " supplies all the Mac machine ib the XXXX '' but that they was n't going to contact them until XX/XX/XXXX and then contacting them they was n't going to contact me until XX/XX/XXXX. But instead e-mail me XX/XX/XXXX @ XXXX. Telling me that they was n't going to put my money back into my account and that if I wanted what paperwork they sent to XXXX and that take 5 business days
OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?
In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. 
Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. 
In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.
I recently sold my residence and the mortgage was through Citibank. They are charging me for a " faxing fee '' of {$25.00} to provide the payoff which I did not request or authorize. They do not have any fee list posted and refuse to refund or send me my escrow balance in a timely manner. Please help as my tax dollars were used to help these greedy people but they just don't care about customers.I called Citi and was told that they sent my information because it was requested. There is no authorized form on file so they basically gave my mortgage information to strangers. the title company said it is not normal for the mortgage company to charge a fee let alone {$25.00} to fax a payoff amount. I requested the payoff amount in late XX/XX/XXXX and it was mailed at no charge so why the excessive fee?
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX. I have requested on multiple occasions for XXXX XXXX XXXX XXXX ( XXXX ), XXXX, located at : XXXX XXXX XXXX, XXXX, CO XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, XXXX. It is a fact, that I did not receive notice from XXXX, nor Ocwen Loan Servicing ( OLS ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
It is also a fact that, I was in constant, consistent contact with XXXX located at OLS, ombudsman 's office during the time of the sale occurring and I was completely blind-sided with both XXXX and OLS illegal actions perpetrated against us which has displaced our family. 
Per Colorado Revised Statue 38-38-101 requires specific documents be filed with the Public Trustee in order to initiate a foreclosure. I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of XXXX times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. - Combine Notice from the Public Trustee 's Office We implore your office to investigate this matter immediately, as XXXX which is considered a foreclosure mill purchased from XXXX and XXXX ( Shut/Closed Down ), is in the process of attempting to evict my family at this time. We are forwarding to additional bank regulatory agencies. 


Thank you
I have applied for a mortgage with Rhode Island housing. They have been unable to finalize my loan because Equifax has a freeze on my Equifax credit report. I have called and they advised me I would need to send my Driver License and copy of my SSN card to verify my information. I faxed over per there request multiple times and sent it with mail confirmation. They have stated they can not read my license. They ca n't tell me if they received the mail copy even though I have confirmation they received it. They will not allow me to email the information directly to someone. Every time I call them state the license is unreadable and the only option they give is to mail it. I have been trying to contact customer service now for over a week and unable to get someone on the phone, In the meantime I can not proceed with the mortgage until they unlock this issue.
I had my identity stolen by someone I knew back in XX/XX/XXXX and several accounts were opened with my social but a slight change in my name. I had to go to the police station back then and fill out an affidavit to report the fraud. It is now XX/XX/XXXX, XXXX and XXXX has my correct name, address and date of birth, but for some reason Transunion still has the name the person used in XX/XX/XXXX, along with their address and date of birth they used even though this information does not match my social. I 've also noticed that my Transunion score is around 30 points lower than the other 2 bureaus. Transunion also has my former employer 's information listed, and collection notices were sent to the corporate office of that employer with out my consent.
SinceXX/XX/XXXX, I have attempted to get Experian to correct incorrect data relating to my name and addresses with varying success. I contacted Experian via mail and supplied evidence, a copy of my ID and utility bills. In XX/XX/XXXX, some of these corrections were made, but with errors ( See Experian Report XX/XX/XXXX ), which listed among other things, only my apartment number and city ( only ) as my address omitting the street name. I followed up with a request in XX/XX/XXXX ( see enclosed ) which resulted in previously investigated and deleted information to return, and an incorrect spelling of my name to reappear. It seems that I am back where I started, and Experian is not properly correcting and reporting previously investigated items.
I am asking for the CFPB for assistance to have these errors corrected by Experian. The information listed is not correct historical data and strangely was previously investigated by Experian and determined to be inaccurate and deleted. This came back!
My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX  in XX/XX/XXXX to check on payments, at that time XXXX XXXX  said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.
XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX
XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.