WillisBack/dataset-financial-user-claim huggingface dataset:
I previously did a complaint with Bank of America on this matter and only one of two issues were resolved. They did advise that their XXXX loan on this land was transferred to XXXX BUT they did NOT resolve the issue on the mobile home which sits on this property. 

In XXXX XXXX and XXXX XXXX received a loan from Bank of America which put a lien against the land located at XXXX XXXX XXXX, XXXX, CA AND the mobile home located on said land known as " XXXX XXXX, Model Starcrest, Serial Nos. XXXX ''. 

In XXXX the XXXXXXXX XXXX refinanced this property again with Bank of America, and said loan is still being paid at this time and we are NOT asking for a release for this loan. What we are asking for ONLY is for Bank of America to remove their lien from the mobile home as the XXXX loan was paid in full in XXXX. Attached you will find the XXXX Title Search showing the lien on the mobile home is specifically for the XXXX loan ONLY as the loan in XXXX did not put a lien on the mobile home. I have also attached a copy of the 1st page of the XXXX Deed of Trust and the Full Reconveyance that was recorded in XXXX which removed the XXXX lien off the land but not off the mobile home. 

I have been advised over and over that THIS loan ( XXXX ) was transferred to XXXX in XXXX but you can not transfer a paid/closed/release in full loan since it no longer exists. If BofA was able to record a Full Reconveyance in XXXX for land they are also obligated by law to release the lien from the mobile home that was secured by the same XXXX loan that has been PAID IN FULL. 

Please make sure that someone from BofA has a representative that is familiar with how mobile home liens work deal with this complaint because the regular loan parties just are not understanding this matter.
Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. 
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. 

In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. 

My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. 

I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. 
Court document is included in my package. 

I then filed a new loan modification packet on XX/XX/XXXX. 

I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. 

On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. 

As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. 
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. 

This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. 

I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.
I contacted XXXX  a couple of times to complain about a report on my credit that was dismissed through bankruptcy, it was for a student loan that I had got 10 years ago and had been paying on it every since, never a late payment, when I filed my bankruptcy the student loan was included and all of my debt was dismissed through Chapter XXXX. I had a co-signer on the loan and the creditor tried to collect from my co-signer 3 Months later, when my co-signer called me and told me what was going on I immediatedly call XXXX XXXX and worked out an agreement to resume payments until it was paid in full, I also made up the payments that were missed during the bankruptcy proceeding and am now current. I spoke with XXXX  and Experian regarding the same issue and it has been resolved but for what ever their reason XXXX has not removed the 4 missed payments and my debt to then has been dismissed
Complaint about U.S. Bank, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX/XXXX  XXXX, XXXX N.W. XXXX XXXX, XXXX, FL XXXX Dates : XXXX XXXX and XXXX XXXX, 2017 ; two charges of {$32.00} vs. one charge of $ XXXX {$59.00}. A vendor arbitrarily changed the billing protocol without notifying me ; this resulted in my monthly premium being raised to the vendor 's advantage. There was no notice given to me and I only found out when I received my credit card statement. I called the vendor and in the ensuing " chat '' was told that this was the way they were going to proceed henceforward and I had no recourse. It appeared from the " chat '' that XXXX had only recently taken over billing for XXXX XXXX. I asked for the matter to be forwarded to a supervisor and that I be contacted by email since I had already been on the phone for an elongated period of time ; I was told that I would be transferred to " the first available agent '' ( not a supervisor ) but that they had no email capability and that I would have to comply with their dictates. I tried to dispute the matter with US Bank but they refused to take the dispute and told me that the most they would consider would be to modify one payment so that the aggregate amounts would equal the correct total. As with the involved vendor, I was told that I had no recourse except to accept their directive ; to reiterate, US Bank refused to take the dispute.
This company keeps calling me XXXX times a day 7 days a week. Even after speaking to them.
Mortgage servicing company has been charging PMI and it does not show on the statements or tax forms. The value of the house have increased 28 % ; yet they have refused to remove PMI premiums from
I have a student loan which is now serviced by Navient. I have a problem with the way they apply my monthly payment. I am a responsible borrower, I am current with my loan, I have no real trouble making my payment. However - I like to pay a little more than the minimum each month in order to pay down the principal. Navient makes it hard, or nearly impossible, to do this. 

The company has an easy way for borrowers to go online to make a payment each month, however there is nothing in the payment process that allows borrowers to repay a little more in order to shorten the term of the loan, and the amount of interest paid. 

Every other type of financing - mortgage, car loan, even a loan I received to buy a new mattress allows for a little overpayment, which is applied to the principal. 

Navient deliberately does not allow this to happen. This is a blatant attempt to XXXX over the borrowers, and drag out the loan term and increase the amount of interest they pay. This is not fair. Many student loan borrowers likely have no idea how to shorten the term of the loan, and Navient capitalizes on this unawareness. 

For many, a student loan is the first type of loan they receive. Assuming they are able to make their monthly payment, Navient traps them with a slick website which tells them exactly how much to pay so that the loan gets paid out over the longest possible period and Navient sucks every penny of interest out of them. Yes, Navient is a business, but they could at least provide a means for their borrowers to pay a little more. This wo n't cost Navient that much, because most people ca n't pay any more than the minimum anyway. 

The federal government backs many, if not all, of the loans Navient profits from. The fed government should, therefore, force Navient to apply the same truth-in-lending principals that mortgage lenders do.
A FRAUD WAS PERPETRATED AGAINST ME BEGINNING XX/XX/XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC AND IT'S REPRESENTATIVE XXXX XXXX ), USING XXXX XXXX XXXX XXXX TO OBTAIN AN AUTO LOAN OF {$25000.00} FOR A VEHICLE I NEVER RECEIVED. A {$4000.00} CASH DEPOSIT WAS OBTAINED FROM ME BY XXXX XXXX. I MADE NO PAYMENTS TO WESTLAKE. HOWEVER XXXX XXXX MADE PAYMENT ACTING AS THOUGH THEY WERE FROM ME. 
A COMPLAINT WAS FILED AGAINST THE PERPETRATING PARTIES IN XXXX XXXX NORTH CAROLINA, ( BECAUSE I NEVER RECEIVED THE VEHICLE ), FOR BREACH OF CONTRACT, XXXX XXXX, CONVERSION, PIERCING THE CORPORATE VEIL AND FRAUD XX/XX/XXXX.
I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back )
I applied for a HARP loan with Bank of America. I was told that my loan was approved, but the day of closing they stated that the loan was denied I have not foreclosed on the home, and Bank of America refuses to assist with turning the water service over to the new owner that purchased the property. This should have been done when the new buyer purchased the home. Bank of America has terrible customer service and I am not sure how anyone does business with them.
portfolio recovry is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and XXXX that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask XXXX XXXX but XXXX XXXX is not the ones reporting it they are. what they are doing is illegal and I want this removed.
Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.
Stenger and Stenger, XXXX XXXX, Michigan took me to court for a credit card bill and I asked for proof of debt and the case was rescheduled. They mailed me copies of page 1 statements with a noted balance along with a copy of a standard " XXXX XXXX Customer Agreement ''. When we went back to court they said they would send me statement of fraud forms to fill out which asked me to write my name out 5 times. I have been a victim of fraud several times. The instances have included, but not limited to, social security numbers and taxes on two different occasions and most recently someone attempting to forward a debit card belonging to me to Florida. In no way am I comfortable sending several copies of my signature to a company whose business it is to unscrupulously collect debt from consumers. This is against the law because it is the plaintiff 's burden to validate debt. The court is not enforcing this and they both have the upper hand because they know the law and I do not. It is my opinion that the court and the credit collector are using fear and intimidation tactics to unlawfully gain money knowing that I am a layman in matters of law. Stenger and Stenger are refusing to validate the debt and instead hoping that I will concede out of fear or be made to pay by the court because I have no way of disproving their claims.
In XX/XX/XXXX XXXX XXXX/Best Buy processed a charge on my Best Buy Credit Card that should not have been processed - illegally processed a renewal in my daughter 's name on my account after product was cancelled in XX/XX/XXXX. Due to XXXX XXXX 's negligence in not only charging this on my card but also in efficiently processing the credit for the charge ; I was charged late fees and interest. It took XXXX XXXX 4 weeks to properly process the credit for the charge as they confirmed it erroneous. Best Buy upon receiving the credit ; refunded all late fees and interest as charge WAS NOT MINE or AUTHORIZED. In the time it took to refund not only the charge but also late fees and interest ; Best Buy reported me to the credit bureaus with a 30 day late status. Note - there was a XXXX balance prior to erroneous charge, late fees & interest. Therefore Best Buy reported me with a late pay for charges that weren't authorized and all refunded. How can I be late when the charges were refunded at their discretion and I owed nothing? I have documents and a log of who I spoke to on what date and lots of supporting documents. I contacted Best Buy in XX/XX/XXXX with all supporting documents and they won't remove late pay status even with documentation.
Upon trying to setup my account information after my loan was sold to Chase, I was informed that my external account was in use by Chase, however I nor any family member have a Chase account. After calling I was informed that I simply need to add XXXX to the account number. Upon trying to deduce exactly why my external account information was being used the senior online associate continued to avoid the question and upon further requesting information the senior associate disconnected the line. After calling back and being routed and rerouted I was told to send an email. Im astounded by the lack of concern with system noted fraud and identity theft
I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.
states its from a payday loan during my service time in Texas 10yrs ago. Military was not allowed to do payday loans at that time and most places would not even let you apply. But i receive repeated calls over the last 9 months. Will not verify debt. Requested debt be sent back to original debtor for proof of debt, Dynamic Recovery explained it would take 1 week to not receive calls anymore. That was XX/XX/XXXX. Most calls hang up on me, others will be rude and dismissive and never will a voicemail be left. Most recent call today XXXX.
For the credit card issued by XXXX XXXX XXXX, ( 1 ) Give me the details of all answers submitted by your employee named XXXX, for issuance of this credit card. It is my information and therefore it is my right to know my own information, which have been submitted not by me, but submitted by the bank employee. ( 2 )  Even after around 10 months of credit card usage, my XXXX score is still not available. See attached XXXX score screenshot, clicked in my XXXX  XXXX XXXX 's mobile application. I have complained many times to branch at XXXX XXXX XXXX, CFPB, bank 's customer care, Bank 's credit card department but nothing worked out as XXXX XXXX XXXX is extremely busy to practice illegally and with no business ethics. Bank 's motto seems to cheat new customers on the fake promise of good service. Once the prey signs the document, no one listens to that victim customer because the motive of cheating is achieved. And this way, I am still not getting my XXXX score as no one listens to my complaint in XXXX XXXXXXXX XXXX. Kindly give me the details of all answers typed by the XXXX ( XXXX  XXXX XXXX employee ), because I am sure he must have done some blunder and therefore even after using credit card for around 10 months, paying the bills on time every month, my XXXX score is not available anywhere.
On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to Experian explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved American Education Services and Experian alike. American Education Services for wrongly placing a late notation ( they did this for XXXX XXXX as well ) ; and Experian for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against American Education Services, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.
Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.
I received a letter from Chase stating that my credit card was being canceled because continuing the relationship represented a possible reputational risk to Chase. Three phone calls were made with no explanation given. An e-mail was sent and we got a message saying that we would get a response in 10-12 days via US mail. When the letter came it referenced an article on a XXXX web site as the basis for their decision. ( XXXX ) This article references a XXXX in XXXX in 2006 and references someone with the same name as mine but actually has no relevance to me. I do n't live nor have I ever lived in XXXX, I have no criminal record and I have no relationship to the people in this article. I am recently retired, an XXXX, and a graduate of an XXXX XXXX University with no criminal record, not a XXXX as they seem to imply. 
After receiving the last letter from Chase, I called the person who had sent the letter ( XXXX XXXX ) four times over three days before getting a return call. He said that he would have the issue reviewed and get back to me within two days. It took five business days and an additional three call from me before he called and said that " they '' had decided not to change their decision. 
It 's obvious that Chase made no effort to verify their information and is perfectly willing to smear my reputation and hurt my credit rating based on inaccurate/false information and shoddy research on their part. 
I have several questions : Did Chase cancel the credit cards of everyone with my name? 
If the report had the name XXXX XXXX in it would they have canceled the credit card of everyone with that name? 
Why did they decide to cancel the account after two years? Is it because I always pay on time and they never collect any interest? 
It 's shameful that they feel free to impugn my character and integrity in the name of maintaining their reputation and hurt my credit rating in the process.. How can someone with a good credit rating and no criminal record possibly hurt the reputation of a company like Chase.