WillisBack/dataset-financial-user-claim huggingface dataset:
Please note the attached documents were submitted and the BANK OF AMERICA has offered us a cash settlement to sign our interest over to them and we have been trying to work with them for over 5 years on this.! The tax liens are attached to the property XXXX XXXX XXXX XXXX NC XXXX. All was filed and documented as you will see attached. This has been such a beyond nightmare and I have received a ton of letters from BANK OF AMERICA stating they would get a resolution, they have kept on and on and back and forth and never want to resolve or give any answers! I am sick of being put on the back burner and treated like a automated letter will go out. I am going to mail, fax and send all XXXX pages of correspondence to you, banking commissions, and any other complaint places because they are wrong! Desired resolution- We will release our unencumbered interest to them for settlement we sent them. This has caused my family to break up, move XXXX times and end result wasted a ton of my time when all they had to do was work with us originally. It is so beyond fair that people just have to let BOA give them what they want because they do n't care. I am actually sick of playing games and getting all this correspondence, letters, sign this and do this and I am not agreeing to a settlement until it is right.
Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?
The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. 

the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.
Equifax has not properly investigated the following issues on my credit report. Any claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ( initiated XX/XX/XXXX ). Please see items below ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT XXXXXX/XX/XXXX XXXX XXXX XXXX. XXXX CH-XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT COLLECTIONS XXXX XXXX  XXXX XX/XX/XXXX PAID XXXX XX/XX/XXXX {$95.00}
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so..Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX
On XX/XX/2018 I went to the XXXX XXXX XXXX for service ( carwash ). The transaction amount was for {$26.00} XXXX {$21.00} for the wash and a {$5.00} tip ). I attempted to use my Bank of America debit card. The attendant took several swipes with my card before handing it back and telling me that it was rejected. I then provided my Bank of America Visa card and completed the transaction. A few minutes later, my wife called to tell me that our checking account had a pending post for {$20000.00} to the car wash. She immediately contacted B of A to dispute the transaction. B of A removed the transaction. On XX/XX/2018, the {$20000.00} was withdrawn from our account rendering a negative balance. We again contacted Bank of America and established a case file objecting to the transaction. We after doing so, I visited a local branch and spoke to the branch manager who informed me that there was nothing that could be done. In fact, it could take up to 90 days to resolve the problem! While with the bank manager we contacted the merchant and he was adamant that the transaction had not taken place and therefore didn't need to do anything. I informed the merchant that my next stop would be to the police department. As I pulled up to the PD, the merchant called to tell me that he was incorrect and that he did have my money. In a 3-way phone call with his processor, it was agreed that the merchant would issue a reverse charge to my debit card. The processor has provided their evidence that the reverse charge was made on XX/XX/2018. As of this correspondence ( XX/XX/2018 ), we have not seen a posting to our account and B of A is not willing to provide any relief. This was not my mistake, yet the bank policy seems to lend to taking care of itself versus taking care of its customer. Because the bank allowed the transaction to go through, we are significantly negatively impacted and now have no way to meet our financial obligations. I've received nothing but canned responses on each of my calls and the obligatory " Have a nice day ''! While I've received many comments from B of A employees that they've never seen a $ XXXX car wash, I've gotten no help from them whatsoever. Between the merchant and the bank, we are now in financial difficulty.
XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed i  n my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.
Thank You
Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!
I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.
Our granddaughter XXXX XXXX XXXX contacted us this morning concerned about a withdrawal she had made from XXXX. This is college account we had opened for her. She thought she should have received yesterday, we received this morning at about XXXX. XXXX asked the check be deposited in her Wells Fargo account, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. The check was made out to my husband XXXX, he signed it, made out a deposit slip with XXXX ' account number and presented it to the bank. He was told the bank could not accept third party checks. XXXX went to our XXXX XXXX and cashed the check. With cash, {$3900.00}, in hand he went back to Wells Fargo and was told they could not accept the cash without XXXX present because there was no history of the cash and there was no way to trace. Without argument he went to the college, met XXXX and paid the tuition. Not being happy, called Wells Fargo Customer Service, spoke with XXXX, ( XXXX XXXX ) I asked to speak with a manager, he said he would if I explained my concern. I told him and he said my husband was given the correct information. I are repeated my initial request. I was transferred to XXXX. XXXX explained it was a Federal reg which all banks have to follow. I asked for the req number so I could contact my Congressman. He put me on hold and told me he was incorrect it wasn't Federal by banking policy. I asked if he knew the reason as he had explained he was in the executive section of Wells Fargo. He didn't know. He did say the reason was probably due to fraud or counterfeit. I asked he transfer me to someone in a higher position. He said there was no one higher ( I believe he said this ). I stated there is always someone higher and he transferred me to XXXX ( XXXX XXXX ) I explained, she gave me generally the same answers. I asked if they suspected my husband of fraud or counterfeiting why weren't the police called. He had in had American money, not foreign from our bank. He was making a deposit into the bank, not taking any money out. He would have left any info. He was not a member of any carter or mafia. I find this utterly ridiculous. I asked for the person ( people ) who had made this policy. XXXX explained because of the banking mess ( my word, not hers ) several years ago banks made this decision. I still don't understand. She told me there isn't anyone I could speak with. So I asked for a banking commission or something. She told me of CFPB. Is there an answer why Wells Fargo or as I was told any bank not accepting cash for a deposit?
XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX  # XXXX $ XXXX ...
XXXX XXXX Child Support is charging me childsupport FOR NO REASON WHEN MY DAUGHTER IS LIVING WITH ME " NOT THE MOM " I spoke to childservices and they claim that even thoe my daughter XXXX XXXX is Living with me " XXXX XXXX '' that they cant stop or cancel that CS case. also i am a victom of identity theft. i found out someone has been using my SS # since i was a minor. i found this out when i got my first job at XXXX at XXXX XXXX XXXX Ca XXXX
I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them!
On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. 

My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. 

upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. 

Also there are several inaccuracies on my report and the agent could not assist me with this either.
I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.
I have tried contacting since XX/XX/2018 and on alsoXX/XX/2018 Ally to help lower my payments because of a passing in my family.

They never allowed me to lower my payments.

Then It got to the point where they repossessed the car on XX/XX/XXXX which is a XXXX XXXX XXXX. I had been making my payments on time until a few months ago.

After they repossessed my vehicle I called 3 times again and kept getting transferred.

After I finally spoke to XXXX a customer service agent of the company i told I wanted to know how much of all of my payments were going to the surety bond for this loan. I got transferred over 3 times and no one would give me an answer.

I know that all loans include a Surety Bond and I am aware that she inform the customer upon request.

I know that The surety bond has enough to cover the remaining balance of the loan
Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. 
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. 
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. 
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.
Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX  who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX  account.
Complaint is for the service r of Wells Fargo, which goes by the name of America 's Servicing Company. This service r is and has been in violation of various mortgage disclosure laws, such as those required in R.E.S.P.A and T.I.L.A. Laws since the originating mortgage XX/XX/XXXX. 
The particular mortgage is a subprime mortgage it was presented to an elderly person, a senior, non XXXX speaking who was asked to sign documents under duress and without proper representation nor translation. The senior in question was a vulnerable XXXX year old having just lost her husband. She was approached but an unscrupulous mortgage broker who used all of the equity in her primary residence to finance multiple properties. This is XXXX of XXXX. Moving forward to violations they included, inappropriate and unexplained fees of the section XXXX of the Federal Trade Commissions Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. The escrow fees in this particular mortgage were excessive and continued from the onset of the mortgage through today. Despite the many complaints mortgagor submitted, especially after the one year anniversary which was the date that the borrower was exercising her right to not have it any longer withheld. The original note was defective and the closing documents altered to hide or change specific numbers in the monies she was charged for such loan. Despite having a XXXX credit score borrower was charged an 8 % interest rate when the market rate for such loan was an average of 5.5 %. This is akin to loan sharking. Continuing on to more violations the insurance escrow on a yearly basis was being paid for and charged to the home owner by the service r at triple and some years quadruple the amount that the home owner herself paid consistently without ever being uninsured, again, her borrowers complaints fell on deaf ears. XX/XX/XXXX home owner experienced a hardship and asked XXXX Wells Fargo and the service r to review and modify the terms of the loan given the high rate of interest. She was denied her request without any explanation. This was a major down fall for borrower as in the months to come her failing health declined and the cause of income loss. The situation has never improved and neither the service r or the bank ever made any effort to reconcile numbers which are representative of the total balance due to date believed and proven by home owner and her accountant to be wrong.