WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advise that Bank of America violate the dual tracking laws, after our home had been considered for a loan modification agreement, bank of America was wrongfully pushing us to foreclosure 's sales, also simultaneously transferred our mortgage/loan to XXXX XXXX XXXX and then to XXXXXXXX in order to eliminate their name from the problems and unlawful act.that ant. Please note that under above mortgage transaction, our home was sold back to to XXXX XXXX XXXX XXXX XXXX by XXXX foreclosure and trustee Sale # XXXX / property address at XXXX XXXX XXXX XXXX, CA XXXX. 
On XX/XX/XXXX, we had no choice and forced to move out from our only existing premises that we spent all of our retirement and life investment. Regarding to our communication result with CFPB dated XX/XX/XXXX, Bank of America is so big and strong with their strong law firm that usually homeowners such of us become homeless regardless of our right. We did not receive any remedy yet, at this elderly ages with a few on going XXXX XXXX under a doctor 's care. We lost our home because of unfair business dealings by the bank of America. 
My wife and I are carrying a lawsuit against Bank of America for above illegal mortgage practices of dual tracking, and Homeowner Bill of Right. 
Although we can no longer take our home back, but we are willing for a fair settlement offer by the bank of America to recover some of our losses. 
We would certainly appreciate the assistance of CFPB corresponding to above and look forward to hearing from you.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are  bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX => -  XXXX | Experian => - XXXX XXXX
I received a dunning letter from a 3rd part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing XXXX XXXX XXXX, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These 3rd party debt collectors are posing as attorney 's representing XXXX XXXX XXXX, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.
On XXXX XXXX, XXXX I went to chase bank XXXX XXXX XXXX, XXXX XXXX NY XXXX to open up a business account Banker XXXX XXXX XXXX XXXX helped me to open up the account, 11 days later on XXXX XXXX, XXXX I went to the same branch to open up another business account different corporation name same type of business but XXXX was not there to help me so another banker named XXXX assumed to try to open up the account for me but she said she can not find the right code to open up the account so she said she will have relationship manager XXXX XXXX contact me on Monday, XXXX contacted me on Friday XXXX XXXX, XXXX and told me that my business is a high risk and its considered money laundering business and I will need a money laundering officer, and when I told him that I opened up an account 2 weeks prior he told me that XXXX used the wrong code and that account has to be closed as well, and when I told him that I had the same type of business around three years ago and it was running for two years he said that the bank privacy changed recently I asked my wife who was a banker for a few years if there 's such a thing she said there 's no such a thing and how can he assume and accuse me for running a money laundering business if the first account has only {$25.00} in it and not a single transaction has been made and the second account was not open, so the next day on Saturday XXXX XXXX, XXXX we went to the branch to get more details but XXXX was n't there so we spoke to XXXX who assured us that he did n't use the wrong code and the privacy of the bank has n't changed since the patriot act XXXX and he never heard of a money laundering XXXX before, so at that point I felt that I was discriminated against, mislead and accused of doing illegal business, so on Tuesday XXXX XXXX, XXXX I contacted the corporate office located on XXXX XXXX XXXX XXXX NY XXXX to file a complain for discrimination, racial profiling, misleading and accusation of doing illegal business against XXXX XXXX and I was told I will be contacted within XXXX hours from that day, On Friday XXXX XXXX, XXXX I got a call from the Executive office informing me that they will conduct an investigation and I will be contacted once they come up with a decision, On Friday XXXX XXXX, XXXX XXXX contacted me from the executive office XXXX Ext XXXX and he told me that they came up with a decision and they did n't find any discrimination against me and I will need a money laundering program for my business.
Security Credit Services continues to report an illegally obtained/fraudulent account. 

The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
XX/XX/2018 Spoke with company and they told me they could not remove even if I filed Bankruptcy # XXXX AZ chapter XXXX.
As of XX/XX/XXXX my wife and I had prepaid her Wells Fargo student loan to a point where our next payment due was listed as XX/XX/XXXX. For two years we continued to receive statements showing our principal balance in the amount of XXXX. What was not disclosed anywhere on the statement was the interest which was accumulating on our balance. Last month we paid off the statement balance of XXXX. When I logged on to the account to verify that the payment had been applied I was somewhat surprised to see a {$2100.00} balance representing the interest which had been accumulating over the past 2 years. It is common sense that lenders should be required to clearly depict the full balance of the account on the monthly account statement. Not representing the exact status of an account is clearly a deceptive and predatory practice. Please require lenders to be upfront and honest with their customers. Had I been clearly informed as to the status of accumulating interest I would have taken steps to pay down accumulating interest charges.
On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
I phoned Experian on XXXX XXXX to have them fix incorrect addresses on my credit report. 
There is only one correct address that should be reporting and that is XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThey did not allow me to open a dispute of wrong information being reported on my credit report. 

The F.C.R.A deems me the right to dispute incomplete or inaccurate information on my report. Credit reporting agencies must delete inaccurate, incomplete or unverifiable information. My creditors have reported my address as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThis is the only verifiable and true address. All other unverifiable information must be deleted according to the F.C.R.A. False information has been used in identity theft of myself in the past. I work hard to keep that from happening again. In light of all the repeated data breaches I would expect a Credit Reporting Agency to be at the forefront of protecting consumers personal information and make it more difficult for thieves by only reporting accurate info.
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.
I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!
My wife and I were affected by the Equifax hack and our information was stolen. The company provides credit monitoring, but it requires users to waive their rights to a lawsuit. Furthermore, it only offers the service for one year. In addition, they will not answer their phones, or emails, in order for me to obtain a contact, so I can sue them.
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX XXXX XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged.

Following my receipt of this letter XXXX XXXX and XXXX reported that the loan was closed and reflected a XXXX   balance. This raised my credit score to over 800 and " Exceptional. '' XXXX continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect.

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX  and XXXX  and never with XXXX?

Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.
My personal data was compromised in the Equifax hack that was reported in XXXX of 2017. I have n't yet been victim to identity theft, but the release of my financial details makes me susceptible to identity theft for the rest of my life. Equifax should be held accountable for collecting and releasing this personal information without my consent.
Im a regular customer of WesternUnion. On XX/XX/2018 I sent two separate transactions overseas. The reasons I did two transactions was the auto fill from previous transactions. 

I sent {$70.00} and then {$30.00} to the same person. However, WesternUnion cancelled the transaction for the {$70.00} and the {$30.00} available.

I wasnt notified by WesternUnion that they canceled the transaction. I didnt know whats going until the receiver went to WesternUnion XX/XX/XXXX after going for consecutive days. WesternUnion overseas told I took the money back. On XX/XX/2018 I called WesternUnion and was told by two different representatives that they cant access the transfer, but I should call back in 15-20 minutes two times. Finally, I was told that they canceled my transaction because I sent separate transactions. Nobody seems to know whats the real problem. I called back WesternUnion representative again and asked if I send another transaction on XX/XX/XXXX if the person would be able to get the money. I was reassured by the representative yes. I was taken aback when WesternUnion again canceled-suspended the transaction again. I had to asked for a refund. 
After numerous calls I called back XX/XX/XXXX and asked for the department that placed restrictions on my transactions and was give this email XXXX for help. I sent an email and I havent received an email or phone call from WesternUnion about this inconvenience. I must say this situation was handled unprofessional and without regards or thoughtfulness of all party involved. Im very disappointed with WesternUnion.
" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.
In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.
Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?
Account listed under  XXXX  states I am paying as agreed. Account is included in bankruptcy with no negative balance prior.
XXXX XXXX has called family members and discloded my information to another family member.
TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business days.
I received a letter from the law firm of XXXX and XXXX in XXXX Texas stating that my mortgage with Nationstar Mortgage was past due and near foreclosure. This information was not accurate and immediately faxed a request for them to validate the debt information as per my rights under FCRA and FDCPA. The fax was sent on XXXX/XXXX/XXXX ( fax confirmation attached ) and I have yet to hear a response from the company. They continue to report the mortgage as past due and in foreclosure despite the account being paid in full in XXXX. I was recently denied a car loan because of their false reporting.
I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.
I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.