WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?
I have filed numerous complaints in the past year and Ocwen has never tried to resolve my issues to my satisfactory. They have paid my condo association over {$25000.00}. which they should not have and added it to my escrow which I never had an escrow account to begin with and charging me almost 8 % interest on top of that. They are now threatening me with foreclosure and this issue has not been resolved. The federal government is still allowing them to rip people off with no repercussion. They have been sued by XXXX states for XXXX of dollars and still they continue to operate as they always have. They have sent me false invoices through to XXXX which, which in itself is a federal offense and punishable by law with fines up to {$10000.00} per each offense. THEY NEED STOPPED!
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is XXXX XXXX they called from a XXXX XXXX phone number XXXX
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.
I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.
On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.
I XXXX XXXX received a notice from XXXX around XXXX XXXX. 

This letter i docT XXXX an amended complaint to add Legal Trust BY US Bank Ntional Assocition Personal Representatives vs XXXX XXXX et al. 

I am the alleged investor where I own these investments as 3rd party beneficiary thorugh my ownership through XXXX, and my barcley shares and through XXXX XXXX XXXX and XXXX. 

What the problem is these investments are unsecured debt and that is supported with my claims with the IRS Criminal Division which are attached dated XXXX XXXX, XXXX. These assets were backdated and never funded the trust and would be subject to 100 % tax penalty and there are multiple servicers. 
That is supported with the XXXX XXXX letter dated XXXX XXXX, XXXX where XXXX is the servicer and another letter from XXXX XXXX dated XXXX XXXX, XXXX from XXXX XXXX where XXXX is the servicer. 

XXXX XXXX did assignment on XXXX/XXXX/XXXX where she backdated the assignment not complaint to the tax code to fund trust XXXX CFR XXXX XXXX REPORTING WHICH IS GOVERNED BY NY LAW AND FORM XXXX FROM ORGINATION OF TRUST TO THE TRANSFERS TO DATE FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL FORM XXXX FILLED XXXX/XXXX/XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX MERS THERE are multiple mortgages on this house unsecured debt and supported by the XXXX XXXX case. 

this matter is being disputed under the fdcpa i need complete history under qwr and diligent inquiry and any forced placed insurance and distued under sox act sec XXXX and other sttures ture act as me being an investor and the trustee indebture act and filling false and misleading states i also must point out i am the expert under rule XXXX and sincece where such assignments are not produced are admission of guilt under XXXX v. Texas. since a fiduary responsibility is required to file such tax forms and you now know these debts are unsecured qnd sending false and misleading information is allegedly mail or wire fraud. I also did receive credit offer from XXXX XXXX which is on file with the CFPB already. The amounts are false and misleading as well and possibly forced placed insurance.
Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX  EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..
On XX/XX/XXXX I lost my bank card and someone found it and racked XXXX dollars on it out in XXXX CA . I barely get buy on my social security check which is XXXX a month. I repeatedly have been lied to giving the run around. I talked to an executive named XXXX numerous times got nothing but the runaround. I 'm XXXX in my account. They will not help me. I advised her and a lady at Chase bank about Federal Consumer protection law Reg. E section 205.6 since I reported it with in the 2 day period. Lady at bank laughed said we can do what we see fit. The executive XXXX confirmed this with me on a phone call, but will not do nothing about it. I 'm bout to loose my home, car ca n't afford to even feed my kids. I 'm in desperate need of help!! Please
I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX   XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX.
My mortgage company increased my escrow payment more than they had to. I requested that they spread out my escrow increase over a longer period of time so that I could afford to make my house payment. They agreed to reevaluate and to get back to me with an updated payment. This was in XX/XX/XXXX. I did not have my updated payment information for my XX/XX/XXXX payment so I just sent in my regular payment amount. On XX/XX/XXXX, at the end of my grace period, I called Capital One, my mortgage holder, and asked them if they had my updated payment information. They were not able to give me an updated payment amount so I then asked the lady, her name was XXXX, since I was at the end of my grace period If I needed to make a payment over the phone to avoid a late fee. She informed me that because they were reevaluating my escrow amount I could wait until the end of the month to pay the balance and not have a late fee. A couple of days later I received notification of the updated escrow amount and I immediately made a payment on the balance due which they receive XX/XX/XXXX. I received my XX/XX/XXXX statement which shows they charged me a late fee anyways. I called XX/XX/XXXX to complain because they gave me misinformation over the phone, which a lady by the name of XXXX admitted to and then she proceeded to refuse to refund a late fee. The late fee is {$89.00} on a {$190.00} discrepancy in my escrow payment. I feel that I was intentionally misled or lied to by the representative on XX/XX/XXXX. She gave me misinformation and because they are not making good on their mistake I think that they were intentionally trying to charge me more late fees. I have an excellent payment history over the last 10 years with this bank of not making late payments. I had a couple of late payments towards the end of XX/XX/XXXX, including the one in question, which were both dealing directly with the problems I was having with them increasing my escrow higher than they needed to. In both situations they assessed a late fee even though I had paid my normal payment amount that I had been making over the last year. When I was on the phone on XX/XX/XXXX with XXXX I had the ability to make a payment over the phone that day and avoid the late fee. Because she told me that I would not be charged a late fee if I made the payment by the end of the year I decided not to make the payment on XX/XX/XXXX until I had the updated information. Had she just said that I needed to make a payment on XX/XX/XXXX to avoid a late fee that is what I would have done.
I have been having statement issues with paypal credit which I tried reaching out to them regarding but no resolution. I was charged a late fee in XX/XX/XXXX and a late fee in XX/XX/XXXX. I have since made the pmts due online. I called today and explained the situation. One of their reps offered to reverse the late fees but said the system would not allow them to put the reversal through. She contacted a supervisor who she claims also tried but again the system keeps kicking them out. I find this very difficult to believe. In the interest of good customer relations and in this age of technology, how is this possible? This is the same company who placed a hold on my account for months for no reason at all and I never complained.
I have a private loan with Navient that was orginated in XXXX. I graduated in XXXX XXXX and before I graduated I began receiving calls from Navient. Since then, Navient call everyday at least 2-3 times a day to both myself and parents trying to collect. I have made Navient aware of my financial situation and even after finding out that my parents and I only have {$45.00} of disposable in between the XXXX of us and still would not accept any payments lower than {$390.00}. They also keep suggesting that I enter into forbearance and pay {$150.00} for 3 months but wo n't accept {$150.00} for payment. I have already used 6 months of forbearance and will only have 6 months left for the lifetime of my loan. Is there any IBRP available for private loans with Navient?
XXXX XXXX issued me a refund for overpayment upon me canceling services on XX/XX/2016. I received a prepaid CitiVisa card on XX/XX/2016, with my refund supposed to be available on that card. After attempting to transfer the balance of {$250.00} from card to my checking, I was given error message. I then called Prepaid Citicard, in doing so, the first person was not able to help. I was transferred to a Supervisor. This lady told me it would be 24 hours and it would be corrected. On XX/XX/2016 I attempted to transfer funds. This time I 'm told there is no money on the card. I call Citi again. The first person today, XX/XX/2016, tells me that the lady I spoke to yesterday requested a check payment. I did not request a check. That person yesterday claimed to be me and requested it. My conversation was recorded, I told her multiple times, I DID NOT WANT a paper check issued. That associate claimed to me and authorized a check to be sent. I did not do that. So now I have no refund, Citi has an employee that impersonates customers. My next complaint will be with the Pa State Police, because she clearly committed fraud. And I am still out my refund from XXXX.
On XX/XX/2018 I sent {$1500.00} worth of a specific cryptocurrency ( XXXX ZIL tokens ) to Coinbase in error. Understandably, Coinbase does not currently support this specific cryptocurrency but it does support Etheruem and the specific cryptocurrency runs on the Etheruem blockchain. I reached out to Coinbase to have the coins sent back to me but I was given a bunch of excuses as to why they can not, the representative I emailed even went as far as to say that my coins were lost. This is 100 % false! The coins were sent to a secure wallet in which only Coinbase has the private key to access, and with this private key Coinbase can actually access these funds at any time. I explained this to the representative and she responded that Coinbase only accesses the private keys under extremely limited circumstances. If it can be done and Coinbase is just simply refusing to do it, they are pretty much stealing and violating lost property laws in NYS and in CA where they do business. The process to send me back my coins that were sent in error would literally with no exaggeration take only one minute if I had the private key to the wallet, but only Coinbase has access to the private key and will not cooperate in sending back the coins to me. I have proof of the coins in the wallet belonging to Coinbase and as well all communication from Coinbase regarding the matter. Hypothetically, if the value of this coin went up to {$1.00}, Coinbase would be sitting on $ XXXX USD equivalence in coins, not to mention all the blogs Ive found online with people in the same situation, just holding on to their assets as well. Return our assets Coinbase!
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.
I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.
Order a  free trial and paid shipping and handling.  Company has  automatic charges start after 18 days and did not send any new product s. Company th en said the {$110.00} charge they charged us for was for the trial. The advertising says free trial just pay {$4.00} f or S & H. T he company is bogus and has tons of complaints on  Internet.  My credit card company of 20 years will not credit us the charges that we filed as fraud. Citicard managers do not understand they just lost a long term great client to back a bogus money grabbing compan y. Citicard  will not be used in our house again.
While shopping for furniture for my home I opened a Credit Account wit h " Ashley Advantage /  Synchrony Bank '' and was granted a {$10000.00} Credit Limit by the store. This occurred in  XX/XX/XXXX . At the time I ordered some furniture that would NOT fit in the home I was living in. I opted to wait until I moved to my larger home and order furniture. On  XX/XX/XXXX  I went back to my neighborhood Ashley Furniture Store and ordered {$7500.00} worth of furniture from same ( well within my {$10000.00} limit ) I put down {$590.00} as my Sales Associate insisted I at least pay more than the taxes on the bill - leaving a {$7000.00} balance. When the " account not found '' error came up at the register in the Ashley Store I was dumbfounded! The Customer Service desk phoned Synchrony Bank and after several go-rounds with the Customer Service people at Synchrony I was HUNG UP ON ( several times. Synchrony refuses to speak with me - and closed the account without my knowledge or consent on  XX/XX/XXXX  No notification was given and no reason for the account being closed! I was redirected to a Kiosk to re-apply for credit AND was DENIED. Their alternative credit lender is a much higher interest rate company called " Genesis '' and the limit was only {$2000.00} which will not accomplish the objective. Synchrony never notified me this account was closed. I have NO LATE PAYMENTS on my credit and now the additional inquiries to lower my scores. Please assist me. This company should not be allowed to run over consumers who are doing the " right things '' with their credit and finances! Making me go to another lender at 29.99 % is most definitely usury. Damaging my credit with extra credit pulls only makes the situation WORSE. How could I go from being eligible and approved at {$10000.00} to Zero approval in this time-frame. Something is not right. AND non-notification is surely illegal. Please assist me.
<P/>
I just turned   XXXX   on  XX/XX/XXXX . They closed my account XX/XX/XXXX . Is this age discrimination???