WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them myself.
XXXX XXXX XXXX charged me a fee to set up and have what they sold to be bi-weekly payments made to my lender. They were to take out 1/2 the mortgage amount every other week on dates I specified, and pay my lender twice per month. This was part of their " Interest Minimizer ''  program. I found that 1-they only made one payment per month -- whatever was the amount due and 2-they paid by paper check, which my lender did not accept. This caused the lender to continuously report that I was behind on the mortgage. I cancelled my " membership '' with XXXX XXXX when I found this out. I have since found that there is a lawsuit against this company, and hundreds of other consumer complaints. Links to the articles are here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am still receiving letters in the mail and phone calls from this company inviting me back. Meanwhile, my credit report is a mess and I can not get a loan for a car. Mortgage company is PennyMac.
Midland credit management account XXXX amount {$630.00} opened. XXXX has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my XXXX credit report for violating the fcra and inaccurately reporting account statuse as well as account type.
I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to  request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.
Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.
XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.
I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?
On XXXX/XXXX/XXXX, I made my payment online like I normally do each and every month. I was paying off the remaining balance of {$310.00}. Fast forward a month, I receive a notice that my payment never went through and I incurred a 30 day late mark on my credit report. I have asked Nordstroms to fix this reporting as this is their error and not mine. I confirmed with my bank that there was never a payment presented to them. I have not changed my banking information at all in a couple of years and i have never been late on this credit card or any other credit card that I utilize. This late mark is now causing me not to be able to purchase a new home.
On XX/XX/2018 I traded in my XXXX XXXX  for a XXXX. I requested from XXXX that my Preferred XXXX XXXX Plus Insurance be cancelled. I am entitled to a refund. It took XXXX til XX/XX/2018 to cancel my insurance and I have yet to receive the refund of {$310.00} from XXXX of XXXX. I have emailed at least 10 times informing them that I need a status update on the refund and also that I have a new address. No one gets back to me. 

My contract Number with XXXX XXXX XXXX is XXXX Refund amount XXXX
A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.
Please contact me about the serious concerns I have with Navient personnel in matters of falsifying company records, lack of integrity ( intentionally making untrue accusations and proven deceit ) and unacceptable customer service.
I sent a dispute letter to  XXXX    XXXX   which was signed for on  XXXX / XXXX /   17  due to having the wrong amount owed. I received a letter back from them dated  XXXX / XXXX / 17  in which the correct information was showing but was not what was reported to the credit bureaus by them. I Sent them a new letter which they signed for on  XXXX / XXXX / 17  asking them to remove this item from my credit report due to FCRA section  623 ( a ) ( 3 ) and FDCP 807 ( 8 ). In which they never marked this item as disputed within the 30day  period. They proceeded to send me a letter dated  XXXX / XXXX / 17  stating they would mark it dispute. However, this is not Within the parameters of these laws.
XXXX inquiries on credit on transiuion that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.
I sent out a certified letter to XXXX and they responded with the attached letter that they are not reporting my account to any of the bureaus. Please remove this account as per the attached letter.
I have a mortgage with Bayview Loan Servicing and they provided me with a modification XX/XX/XXXX. The modification was to have a principal reduction feature in it of {$410000.00}, spread over 3 years in the month of XXXX of the proceeding years. The stipulation for the modification was that payments would need to be within 90 days to get the principal reduction. I unfortunately had a niece pass from XXXX at the age of XXXX that I help with the funeral arrangements. I addressed this issue with Bayview Loan Servicing and also sent them supporting documents pertaining to my situation. On XXXX XXXX, XXXX I received a letter stating that I would still be eligible for the last principal deduction. Now Bayview is stating they will not indeed give me the deduction even though I have the correspondence from them in writing.
Lender never issued XXXX Mortgage interest statement for mortgage interest pain in year 2013. As all interest was paid in full from the sale of my home, I should have received a XXXX statement for tax year 2013 which accurately reflect total mortgage interest paid to Seterus Inc .
They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up.
I was working with someone who said that he worked for PennyMac Loan Service. He said that he could get me a personal loan to pay for a property to fix and flip. He told me if I would pay a fee that I would get my loan transferred into my account. I paid all the fees that he said that I needed to pay and I still haven't gotten my loan yet. I went to the PennyMac site and filled out a request to be contacted and I found out this morning that he is not who he said he is. He said his name was XXXX XXXX and his email is XXXX.
On XXXX XXXX 2017 a Short sale Offer and application was submitted to Chase Home Mortgage for the property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX through the Equator system and it was received in that system. The Borrower for this property, XXXX XXXX, and I have continued to work with Chase Home Mortgage on the Short Sale offer since then. I have included the Equator pages showing the messages and requests back and forth between the file processor, XXXX XXXX, and me. All Purchase Agreement documents were submitted and received by Chase Home Mortgage by XXXX XXXX 2017. The completed application had been submitted previously and was accepted as complete by Chase Home Mortgage prior to XX/XX/2017. As a result of having received a completed application for the Foreclosure Avoidance option selected by the Borrower, a short sale, any foreclosure process should have been halted per Dodd Frank regulations regarding the process known as " dual tracking ''. This process is also not permitted under State of Oregon regulations as well and a complaint has been filed by me with the State of Oregon Department of Justice. The Borrower received, on XX/XX/2017, by legal process server, a notification of a pending foreclosure sale date. That notice is included in the documents I am providing to accompany this complaint. The sale date is now set for XX/XX/2017.
It is apparent from the document trail and messaging trail I have provided that Chase Home Mortgage is guilty of " dual tracking '' and is in violation of the Dodd Frank Wall Street Reform and Consumer Protection Act.
If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.
I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??
When I recognized that my transaction posting via the app was not aesthetically similar to other check deposit transactions, I called to inquire about its validity.. ( mind you I made a deposit on Friday evening for an undisclosed amount ) I call Chase and speak to a fraud specialist and explain to her that someone put money in my account ( duh, it was me but forgot that I had made that deposit ) without my consent. 

Half way through the conversation my brain reactivates and I tell this representative ... " Oh! I now know what happened.. I received a check from work and made that deposit myself ... The reason I was confused was because the post on your Chase app was TOTALLY different.. generally there is a check icon next to a paper check deposit transaction.. '' She then says.. " Oh ok! That makes sense.. Let me get back to you in 2-3 minutes '' .. 

I wait.. 

She comes back onto the line and says " I regret to inform you that Chase has closed your account and has terminated our relationship with you. We will not disclose any further information '' I followed up with a local branch manager the following day to inquire about the situation only to find out that my account had only been restricted, and worse case scenario I would be able to pick up a cashier 's check for the remaining balance. 

Chase, without my consent, wrote a check and sent my money to the incorrect address.. They claim they notified me via letter but I have not received one.
NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. 

THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? 

THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.
I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble opinion.