WillisBack/dataset-financial-user-claim huggingface dataset:
Please reference complaints : XXXX XXXX XXXX These complaints contain 6 years of history requesting our mortgage owner Bank of America, the Servicer of mortgage, XXXX, and the second lien holder XXXX. Each time we received responses where one bank blamed another and not taking responsibility for failure to request the desired solution. After your agency 's effort, and our persistent complaining, we received approval for a deed-in-lieu. This was the desired resolution requested in those aforementioned complaints ( copies attached ). Bank of America then approved and issued a proposed deed-in-lieu ( copy attached ). 

What was requested is for us to move out in two weeks, which was impossible since we have over XXXX square feet of property, a XXXX car garage, and a partially finished basement. The moving company could not move until XXXX XXXX. Our move will be out of state. When requested to extend that date, we received no response. We have unsuccessfully sought assistance from the mortgage servicer XXXX. 

Additionally, the deed-in- lieu proposal from Bank of America 's attorneys provided no protection from further personal liability, unlike what my attorney has seen before. The wording in fact stated several times that they could seek any deficiency after they received the deed. Our sole assets are a government pension, social security and a XXXX retirement account. Bank of America 's attorneys have stated they required they include such deficiency statements with a deed-in-lieu. The same language could also be included in a foreclosure or short sale resolution. In past complaints Bank of America has taken no culpability stating XXXX is the servicer. Now, it is Bank of America and their attorneys who are culpable and need to remove the language that allows a deficiency judgement. 

Bank of America purchased the Loan from XXXX after XXXX took over the original mortgage in successor to XXXX. We were never notified of this until Bank of America issued a summons to us to start foreclosure proceedings. We have been in and out court with the bank attorneys can not explain the public record which does n't show the final mortgage, only a construction loan of {$600000.00} ; this perplexed the foreclosure judge. The public record also shows the 2nd mortgage and a home equity loan, which were with XXXX and XXXX, respectively. XXXX has agreed to defer the remaining balance to {$6000.00} to be paid by XXXX upon settlement. 

The second item stopping foreclosure is the Bank of America attorney can not reconcile the amount of the purported final mortgage amount, which is not filed in public record. However, documents provided by the attorney in court show a calculation error whereby the balance of the construction notice was to be increased by the extras added during the construction period. The balance was actually added to the original amount of the construction loan. 

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I have had a Charles Schwab account for a while and due to my husband 's unemployment, we have had overdrafts - I don't mind paying when there is a legitimate overdraft. However, Charles Schwab routinely holds my deposits and will not release the funds - even well after the funds have been substantiated - and continually charges me overdraft fees. This month alone I have been charged {$150.00} mainly because they will not release the check funds. This is very unfair and one of the checks is written from my very own account so I know that the money has cleared the bank.
I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.
My card was stolen XX/XX/XXXX, once i realized it was stolen i immediately called and canceled. i received several emails from capital one stating that if it was not me please contact the. Contacted capital one, they began investigation XXXX XXXX, XXXX. Since the investigation, I 've continuously called to get updated. Since XXXX XXXX, XXXX i have contacted them at least 7 times. I spoke with rep on XXXX XXXX, XXXX that said i would have funds available in 48hrs. still did not have any available the next XXXX reps after were not helpful at all, continued to tell me that there was nothing they could do, i had to wait until investigation was complete. My biggest issue is that i am a customer and you should n't let the customer go a month without funds or trying to help them out in any way. i have a payment due XXXX XXXX, XXXX and they are going to want there money, no excuse. if not paid i will get late charges etc. This has really inconvenienced me in everyway because they denied my credit increase due to the fraudlent activities, i could not purchase XXXX gifts, since the investigation i have n't had any funds or any real sympathy. this was my last option to contact you guys. so if there could be anything done i would greatly appreciate it. ( orignal statement sent to XXXX ) Capital one has refused to settle with me, i asked for a settlement of {$4500.00} dollars after investigation took longer than the time given to me. Also since then i experienced financial hardship which forced my wells fargo account to overdraft and owe a {$1200.00} balance. I had to borrow money from family members which i soon have to pay back in total of {$2000.00}. Capital one has been handling the case in a unprofessional manner, its takes weeks to get response from them, they did not offer anything to me while the investigation was going on with the fraud claim. I did not use card in over 3 months and they still are asking that i pay them along with fees that were associated with all transaction that were made. Every time i called no one could give me answers they always said " XXXX temporary funds will be available on your card in 48hrs ''. Capital one is not the business to use, my card was stolen, used by someone to purchase numerous transactions and nothing was done for me. I feel used by the company and there are several reviews of things happening to other customers. XXXX XXXX of XXXX has been very helpful with assisting me. Since the business has failed me i have been in contact with my local court to file a small claims suit against them for failure to settle. So i am reaching out to you guys to see if you could reach out to them, i was recommended to you by XXXX XXXX XXXX on behalf of XXXX.
My name is XXXX XXXX XXXX and I am using my Sons email since he has power of attorney. I do n't have an email account. I am XXXX years old. 
XXXX XXXX XXXX sold my reverse mortgage to XXXX XXXX. 
Since XX/XX/XXXX I have had problems for 4 months trying to get a withdraw to pay my bills and taxes. I have called 24 times spoken to almost all the customer service people and a manager XXXX. 
I requested {$7000.00} dollars in XX/XX/XXXX, they show sending it to me via Check. Never made it to my home. They said they cancelled the check and asked me to fill out another request and that they would credit my account. 
I sent in another request in XX/XX/XXXX with a voided check and direct deposit request fully filled out in XX/XX/XXXX. They show sending me another {$7000.00} that I did n't receive into the bank. When I called asking why I did n't get it in my bank account they showed missing a digit on my bank account and bank rejecting the deposit. However charged me {$7000.00} on my statement. So now I have {$14000.00} they show I took draws for that I never received. So I called them again they said they cancelled the {$7000.00}, however I still showed {$14000.00} taken out of my account and added to my loan amount. In XX/XX/XXXX again they said fill out another request for funds so I did in the amount of {$8000.00}. Also sent in another bank check voided with all the information so they can correct the Bank Info. They still had the wrong bank acct number missing one number. I said what does it take I have bills to pay and all I get is excuses and I have done everything they have asked and I have been without my funds for 4 months. They now show {$22000.00} taken out of my account as they tried to deposit the {$8000.00} again in the account missing a digit since they did n't update it. I again called and they said they would put this in on priority. It is now XX/XX/XXXX and I have n't received a dime in my account but they show over {$22000.00} plus interest and transaction fees added to my loan. This is fraud since the funds never left there facility but they are charging me. 
All I want is them to correct my statements as I have not received any money out of my account since last XX/XX/XXXX for {$3000.00}. This has put full stress on my XXXX year old wife and I am XXXX as we can not take this anymore.
Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls.
In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!
Regions Bank fraudulently charged me overdraft fees they also charged me an excessive withdrawal fee and a cash deposit fee ... no one can give me w straight forward answer as to why Im beyond livid
The new company is called Diversivied Consultants calling on behalf of XXXX XXXX. I keep telling them that i didn't have XXXX and that they have the wrong person. They keep calling day and night. The balance is over 1400.00 and i pay my bills every month if this was my bill it would have been paid.
I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report. 

While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off. 

Need help on removing this collection from my account. 

Thanks & Regards, XXXX
Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX XXXX EQUIFAX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
I first found out this debt was sent to collections via phone only and never received a notice a call at all even up to today. I spoke with XXXX XXXX regarding the account in the month of XXXX. I updated my address as well since it was inaccurate. I informed the company that I am disputing the debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would need to get back with them once resolved. The representative threatened that he will report this on my credit and will impact anything i get in the future if a payment was not made today. I was forced to pay account after continuous calls and threats from the company and never hearing back from XXXX XXXX XXXX which a complaint was filed against them with CFPB as well. More importantly, the representative assured me that if I made a payment prior to XXXX therefore the account will not be reported to the credit bureau. I made payments on XXXX & XXXX which totaled out to be {$320.00} and satisfied the entire balance. Recently, I looked at my credit report and see that the account was on my credit. The company lied and harassed me until I made a payment and even smirked when I told him that I am disputing the account with XXXX XXXX XXXX. Also, I sent an email requesting the company cancel any collection attempts until account is resolved with XXXX XXXX XXXX on XXXX/XXXX/17. I never received a response from them at all.
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX Bank. The written letter offered the option of " XXXX payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX Bank reported my account to Experian as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.
I had a equity line on my home. It matured after 10 years this year and converted into a principle and interest loan. this new payment quadrupled the original payment. This new payment will eventually financially break us and we will be forced to lose our home. Instead of waiting I immediately contact the bank who services the loan and asked what were my options. I provide them with all of the documents in hopes that they would be able to modify the loan which would allow us to continue on paying the mortgage. They came back to us and stated we could not sustain the modification due to the debt to income ratio. I pointed out the obvious that it was because the newly converted P & I payment was the reason why that ratio was now the case. Basically they told me that my options were 1. ) Apply for a refinance which made no sense since if they just denied the modification why would they approve a refinance. 2. ) Short sale my home or 3. ) Sell my home. None of these made sense to me, for one, we have never missed a payment ever. Two we have XXXX young children XXXX of which are XXXX year old XXXX and a XXXX year old XXXX son who has special needs services through the school system in the town in which we live. Which he will lose if we lose this home and have to move. In my opinion, this bank never took into consideration any of the extenuating circumstances of our situation nor did they consider the facts of the matter. They looked at the numbers provided and took nothing else into consideration including the fact that if we were able to refinance or modify this loan to reasonable P & I loan we would be able to easily afford the home the we live in. Instead they would rather watch as it goes into foreclosure. Peoples Bank is very difficult to deal with I have found this out through the years of dealing with them and I would like to find another option to rectify this situation. I am currently researching other options but I was told I should file this complaint anyways so that the incident was at least reported as another predatory lending operation gone awry. Thank you
I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.
There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks