WillisBack/dataset-financial-user-claim huggingface dataset:
WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. 
These are the amounts XXXX, XXXX, XXXX. 
Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with Bank Of America. 
We believe they lied and forced us into foreclosure. 
We also got a document from the bank in XXXX-2012 saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. 
All mortgages were off the books six moths later in XXXX they appear now under XXXX XXXX .We feel that many people involved committed fraud. 
The banks and their affiliates including the recorders office of The county. 
Which I still have. 
Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. 
Please help me clear this up, end this or at least meet at the table to come to a final conclusion. 
Also we tried several loan mods with BOA and two short sales which both were rejected. 
XXXX will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. 
I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. 

I am also having different agencies look into this including my XXXX which was with The XXXX.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. 
The document I got is from XXXX XXXX The Vice president of BOA at the time showed all mortgages were paid off at the time of XXXX-2012 also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. 

To make matter worse we living a black mold filled home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. 
Please help in any way you can.
I have a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Robo calls sometines as much as 6 to 8 times a times a day XXXX ( XXXX ) XXXX, constant spoofed numbers XXXX ( XXXX ) XXXX,,,, those are some of there numbers with same area code as mine it says XXXX XXXX. I believe it is debt collector and I am on the do not call list. Thank you. 
XXXX XXXX
I received an email from PayPal about a settlement for Case XXXX. They said I would be credited with {$30.00} plus an additional {$1.00} to cover a fee if I request a check. They did not deposit the {$1.00} and are charging me for the check and giving me a refund of only {$29.00}. I realize this is a very small amount but with XXXX customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact.
My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authorization, and leaving voice messages, I finally signed the form just so he would get the loan financing done and out of my name. However I do not feel the company should be requiring me to sign a standard form letter that does not apply. Please research and respond. Veterans United Home Loans - Loan # : XXXX, Borrower Name : XXXX, Loan Officer : XXXX ; NMLS XXXX ; ph : XXXX
We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
XXXX XXXX allowed an unknown party to change the name on my XXXX   Credit account. Then lowered by credit limit negatively impacting my credit score. I now have another name associated with my credit profile and social security number due their error.
on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.
My name is XXXX XXXX. I am a XXXX year old female.I went to XXXX XXXX last XXXX for a fix on my XXXX XXXX. They told me it was not fixable and said that I needed to have a new XXXX and a new XXXX.. Gave me a price of XXXX approx. I agreed. They made the XXXX and could not get them to fit. The next time I went back there was a new XXXX there and he said we had to have new XXXX. We made new XXXX and the XXXX did not fit and he proceeded to put a XXXX for another XXXX on my one XXXX XXXX to hold the XXXX. He made another impression for the XXXX, we got that and he could not get either the XXXX XXXX or the XXXX to fit so they didn't hurt. I continued to go back several times with no luck. It is nowXX/XX/XXXX. 9 months I have been going to this XXXX. I made an appt. and returned the XXXX on XX/XX/XXXX. I had to have financing for these XXXX and got a loan with their company XXXX XXXX which is XXXX XXXX. The problem is with the finance company now. XXXX XXXX took my balance down to the price of the XXXX   XXXX but the finance company is still demanding that I pay a XXXX payment for XXXX. I fought with them and they took over XXXX off the bill because I was paying all that time for nothing. I am more than happy to pay the XXXX bill I owe for the XXXX with a XXXX monthly payment that they told me it would be I have made XXXX and XXXX payments and they are still demanding that I pay the XXXX for XXXX. I have agreed to pay them XXXX for that month but they are refusing. In the meantime they are reaming me with late payments huge interest and say I owe them more money than I do. They have also lowered my credit score with their report. I would appreciate any help you may be able to give me to get this corrected. I live on social security and would be more than happy to pay the correct amount due. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. 

XX/XX/2019 Account was closed by bank. 
Amount owed is {$1800.00}
My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE
I never signed up for overdraft protection for my Capital One 360 checking account. Capital One credit card initiated a payment on XXXX XXXX that I had scheduled for XXXX XXXX. I called the credit card division and tried to get them to stop payment, as all financial institutions in 2016 do they claimed they could n't stop this purely electronic transaction even though the banks were n't open yet and no transaction could have occurred and it was going to a bank they owned. 

I knew I did n't have overdraft protection with my Capital One 360 so it should just decline the transaction since there would be insufficient funds. But I do n't trust banks and wanted to double check. It was true that I was n't enrolled in your standard overdraft protection, but to my surprise I was enrolled in something called an 'overdraft line of credit ' with an 11.50 % interest rate. I never signed up for this nor was ever even given any information about it or any notice that this was an active part of my account. Fortunately I was able to turn that off before the banks opened today but I have a feeling this violates the requirement for the bank to get me to authorize overdraft protection. Either that or the bank is having fun with the language of the consumer protection laws and sees this as a way to auto-enroll members into overdraft protection by calling it something else, and likely making more money off of the 11.50 % interest than they ever would have through traditional overdraft fees.
I pulled my credit report and found that AMERICAN HONDA FINANCE is  reporting a late payment on XX/XX/2014 i also send out a dispute for all 3 credit bureau and noting
My wife and I have just had a Bankruptcy Chapter XXXX discharged, we attempted to get a used car loan from 2 local ( XXXX ) XXXX dealerships, 1 in XXXX, CA ( Capital One Auto Finance offered a rate of 19.99 % a {$1000.00} down on X/XX/2017. We did n't go that route. 

My second attempt was on the SAME DAY with the XXXX dealership in XXXX, CA XXXX they came back with an interest rate of 26 %, plus {$1600.00} down per XXXX XXXX at the XXXX dealership ( XXXX ) XXXX. 

This is EXTORTION at its BEST without the XXXX ... In America, what the XXXX going on in our Country. I am a Veteran who ran into a difficult period financial, work, suffering through a mild XXXX and now a Bankruptcy. This is what this Country come too!
I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Account was investigated by XXXX and determined the account was closed and to be removed from credit report. Credit Collection Services still report account on report effect XX/XX/19 as having an open account with a {$270.00} balance. I contacted Credit Collection who informed me that there was an error and account was being removed.

Account still appearing on report and should have never been report on credit report. Credit Collection and XXXX has caused a hardship on my closing for a home and decrease my credit score. Credit Collection stated it will take 30-60 to correct their mistake. I request for a letter to submit to loan office and they are unable to do so. Causing me to seek additional housing before closing
his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )
I have taking a loan with Ally financial inc. who I believe are violating my XXXX rights. They recently repoed my vehicle again. Every month I get my XXXX check on the XXXX. I have repeatedly asked to move my due date to that date so I will not get late fees. They refuse because I 'm over due on my balance. My husband has FMLA with his employer so when he misses work to help me because i am a recovering XXXX XXXX patient he loses pay when he calls off. Ally harasses me by phone, they have already been sued for racial discrimination case with the interest rate. I do not recommend this company to anybody. I feel they are taking advantage of me because of my XXXX and continue to charge me late fees instead of moving my due date to my pay date so I can be on time. Please help
Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )
Once again I am providing the proof that item for case number XXXX has been shipped to address you provided to me and TOLD me to send package to. Please issue my refund of {$1400.00} immediately as I 've followed your rules and have done everything you have asked of me. I 've been told several times that I would have my refund within 72 hours and it has been over 11 days now. I 've filed a complaint with the bbb and cfpb since my refund has yet to be issued as promised by PayPal several times.
I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX 's to the XXXX different major credit bureaus : Company : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.
I called boa several times to try and get my home equity line of credit to a fixed rate. In the beginning they never tried to help me. Then I called again and again and denied any kind of work out. Now I got another package where they send not to try and do modification to a fix rate but they sent paperwork to do another equity line of credit with variable rate subject to change again. I need help I am older woman looking to a loan mod with a fixed rate