WillisBack/dataset-financial-user-claim huggingface dataset:
THIS NEW COMPLAINT IS ONE OF SEVERAL WE ARE FORWARDING TO CFPB. LET US ALL UNDERSTAND REGARDING OUR HOME 'S HURRICANE XXXX  SUBSTANTIALLY DOCUMENTED STORM DAMAGE, THERE IS NO WAY WE WILL COMMENCE PROJECT ( REPAIR AND ELEVATE ) BY MOVING OUT AND PAYING DOUBLE MONTHLY PAYMENTS JUST FOR TEMPORARY RESIDENCE ( NOT INCLUDING ANY POSSIBLE MONTHLY MORTGAGE PAYMENTS ), ONLY TO BE HELD AND STUCK AS TEMPORARY RESIDENTS WHILE BANK OF AMERICA DECIDES SOMEWHERE DOWN THE LINE WHEN AND IF THEY WILL ENDORSE OUR FEMA NFIP REVIEW CHECK TO PAY OUR GENERAL CONTRACTOR 'S FINAL DUE DEMAND AND REGAIN ACCESS OUR RENEWED HOME AGAIN. BANK OF AMERICA WILL NOT PUT US IN THIS POSITION OF STARVING US OUT OF RETURNING TO OUR HOME. IT IS NOT UP TO BANK OF AMERICA TO DECIDE WHEN WE CAN RETURN TO OUR HOME AND BANK OF AMERICA IS VERY WELL AWARE THAT ANY DELAY IN PAYING OUR GENERAL CONTRACTOR ( A DIRECT RESULT OF BAC NOT ENDORSING OUR FEMA NFIP REVIEW CHECK ) WILL LEAVE US ON THE STREET, HOMELESS. WE CAN NOT PAY FOR THE PROJECT OUT OF POCKET AND WE CAN NOT AFFORD THE SKY-HIGH TEMPORARY RESIDENCE MONTHLY PAYMENTS INDEFINITELY. AS IN THE PAST BAC HAS ENDORSED OUR FEMA NFIP CHECKS. WE EXPECT THIS 2017 CHECK TO BE HANDLED IN THE SAME WAY. THE FUNDS MUST BE READY AS WHOLE IN ORDER TO COMPLETE THE PROJECT AND RETURN TO OUR HOME IN THE SWIFTEST WAY POSSIBLE. WE WILL NOT ASK BAC TO ENDORSE THIS SAME CHECK A THIRD TIME. EVENTUALLY, AS IN THE PAST, THIS NEW CHECK FORWARDED TO US WILL EXPIRE AND BECOME USELESS. THE ENTIRE PROJECT WILL FAIL AGAIN. BAC IS HOLDING UP OUR GENERAL CONTRACTOR 'S CONTRACT, HOLDING UP OUR NEW YORK RISING AGREEMENT, HOLDING UP OUR HOME BECOMING WHOLE AGAIN AND CEASING US FROM LIVING IN A SAFE AND HEALTHY ENVIRONMENT - WHICH WE HAVE HELD FOR OVER TWO DECADES. INCLUDED WITH THEIR BAC DIRECTED MANDATORY FLOOD INSURANCE PREMIUMS AND THEIR BAC DIRECTED HAZARD INSURANCE PREMIUMS WAS OUR MORTGAGE PAYMENTS FOR OVER TWO DECADES. WHO HAS GIVEN THIS BANK ALL THIS POWER TO FORCE US TO PAY ALL THEIR DEMANDS FOR DECADES JUST SO THEY CAN FORCE US TO LOSE IT ALL AND BECOME HOMELESS OVER THIS FEMA NFIP CHECK? BANK OF AMERICA LOSES NOTHING BY ENDORSING THIS 4TH AND MUCH NEEDED FLOOD INSURANCE CHECK ( NOT THEIR HOMEOWNER 'S HAZARD INSURANCE CHECK ) TO US, BUT WE MAY LOSE ALL IF THEY DO N'T. THE PROJECT CAN NOT START WITHOUT US MOVING OUT OF THE HOUSE, THIS IS A BIG PROJECT TO REPAIR THE FOUNDATION AND FLOORS AND ELEVATE THEM AND THE PROJECT WILL NOT START WITHOUT ALL MONIES READY IN ORDER FOR US TO GET BACK IN THE HOME ASAP. BANK OF AMERICA HAS NO RIGHT TO HOLD THIS UP. THIS IS NOTHING BUT A POWER MOVE ON THEIR PART. THEY ARE PLANNING TO FORCE US INTO THE STREET INDEFINITELY. IF BANK OF AMERICA STATES THEY HAVE NOTHING TO DO WITH THE MANDATORY FLOOD INSURANCE PREMIUM PLACED ON OUR HOME, THEN WHY ARE THEY HOLDING UP THE ENDORSING OF FLOOD INSURANCE REIMBURSEMENT CHECK? WILL SOMEONE WITH SOME AUTHORITY AND KNOWLEDGE START LOOKING INTO THIS? PERHAPS SOMEONE SHOULD ASK SEN XXXX XXXX - SHE MAY BE THE ONLY PART OF CFPB WHO UNDERSTANDS WHAT IS HAPPENING HERE. BANKS SHOULD NOT BE GETTING AWAY WITH SUPPRESSING THE LIVES OF THE ELDERLY LIKE THIS.
SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.
In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.
i was foreclosed on in XX/XX/XXXX. my house was sold and my credit report reflected that action. from that point on my credit report was reporting ND or no data. 
then after 3 years, and just in time for me qualifying for an FHA loan, quickenloans added a foreclosure coding on XX/XX/XXXX. 3 years after the foreclosure. which to FHA is the start of the 3 year period to qualify for a loan again
I am disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXXChapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.
I have disputed inquiries on all XXXX of my credit reports that are not mine. I have even placed a fraud alert on my credit file and they are still reporting these inquiries which are not mine. I have called the credit reporting agencies, faxed letters, and done on line disputes and they still are reporting these inquiries in which I have not applied and the companies have no permissible purposes. Notice the inquiries which were accurate I let them know. My family went through a tornado in XXXX 2016, and have not applied for new credit, we were injured and out of work for 4 months so there was no reason to try to get new credit without being employed. Also on one of my credit reports I had XXXX ssn 's on there that were n't even mine. This needs to be corrected. The glitch in XXXX I believe may have something to do with some of these inquiries.
Ad Astra Recovery is reporting an amount of {$1200.00} on all three CB 's since XXXX 2014. I do not and have never had a contract with this collection agency, neither written or verbal. I have called and written them a number of times with no validated response. I was told they collect on behalf of XXXX. In 2014 I was XXXX XXXX and I have never had a loan with XXXX either. We were forbidden to do so. I informed them of that as well and stressed to them the strain that this account is putting on my credit and my life.
Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Brookhollow mortage in Texas was working on a mortgage for me. I had to cancel on the mortgage because they were telling me it was my job ( XXXX XXXX ) and they were doing me a favor. I submitted all of my docs by XXXX/XXXX/2016. BROOKHOLLW MORTAGE WAS NOT RETURNING MY CALLS AND WHEN I DID REACH THEM THEY SAID I HAD TO GET THE TAX TRANSCRIPTS. I SUBMITTED THE TAXES AND THE XXXX IN PLENTY OF TIME. THEY CALLED ME ON XXXX/XXXX/2016 AND ADVISED I HAD TO GO DOWN TO THE IRS OFFICE AND OR WEB SITE TO GET TAX TRANSCRIPTS. AGAIN THEY ADVISED THEY WERE DOING ME A FAVOR ( XXXX XXXX ) WITH ALL OF THE CHAOS WE COULD NOT FUND TILL THE XXXX HOUR AND NOT DO THE WALK THROUGH IN A TIMELY MATTER. THEY ALSO WERE ADVISING ME THAT I NEEDED A SCHELDUE C, WHEN IN EFFECT I DID NOT. THERE WAS A LOT OF UNCERTAINTY WITH THIS COMPANY. I HAD TO CANCEL THE LOAN BECAUSE OF THE LAST MINUTE UNCERTAINTY. THE BUILDER WAS READY TO CHARGE ME {$500.00} A DAY ON A PER DEIM. I DID NOT HAVE TIME TO EVEN DO MY WALK THROUGH. WHICH THEY SAID I CANCELLED. THE BUILDER THEY WERE WORKING WITH ( XXXX ) TOOK MY {$5000.00}. BROOKHOLLOW MORTAGE ADDRESS IS XXXX TX XXXX THERE NUMBER IS XXXX
I HAVE NOT RECIEVED MY DEBIT/ CREDIT CARD & I CANNOT SIGN INTO MY ACCOUNT. THE XXXX   WAS SIGNED & REFUSES TO MAKEL DEPOSIT
My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.
Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.
My account number with Wells Fargo Dealer Services is XXXX. 
I have been late on paying my auto loan payment with Wells Fargo and when I look into my online Wells Fargo I see XXXX charges totaling {$210.00} that I clearly recognize and take full responsibility for. However, the issue is that starting XX/XX/XXXX whenever I call the rep will tell me my late charges are {$390.00}. I have attached an online statement showing the XXXX charges totaling {$210.00}. I have called many times and spoke to several representatives who have made requests to investigate the account but up to today XXXX XXXX at XXXX no results of these investigations have been communicated to me. I have talked to more than XXXX different people if I am not mistaking. Some were very patient and listened to me and showed they care and tried to help. However, XXXX ( ID XXXX ) and my account manager have been unpleasant. Especially my account manager, who I think does not even understand what the real issue is, would repeatedly tell me to go online and see the charges and that all the charges are valid. The first time we spoke ( 3 weeks ago or so ) over this issue he told me that the account was under investigation so he could not do anything about it. I asked him if had the authority to waive some of these fees so we can just put this issue to bed. He said he did not have that authority, I said fine. On Thursday XXXX XXXX I made a payment from my XXXX XXXX account for the {$210.00} which is what my online account is showing with dates and which is what I know is correct. On that same Thursday I requested the remaining charges ( $ XXXX {$210.00} ) be disputed because I do n't know where these are coming from nor would anyone explain to me where these charges were for. The Rep told me to call today ( Monday XXXX XXXX ). When I called they transferred me again to the account manager who was this time very rude. He told me that the account has been adjusted and that {$210.00} credit has been applied. and that there is nothing to discuss and that I should go online and figure it out. I told him that I actually made a {$210.00} payment and that I did not understand the adjustment he is talking about. I told him that this is the second time my account has been investigated and I still do not have any explanation for the remaining charges. And I requested the remaining fees be taken off my account until someone could provide me with a reason for these fees. He just went off and stating that I just wanted to create troubles and that all explanations have been given to me already. I asked if I could speak with anyone else and he told me nobody was available to speak to me and I asked his name and Id and he said he already gave it to me at the beginning of the conversation. I could not hear some of the last things he said but he just hanged up.
XXXX  This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, They continued aggressive collections even though they were alerted of a active Bankruptcy # XXXX. This debt was paid for {$35.00} on XX/XX/2018 under duress. The G.M. at the store refused to waive a {$30.00} surcharge. The total paid by Bank Cashiers check was {$65.00}. Due to XXXX XXXX corporate office notified of BK # XXXX we are asking for a full refund of surcharge of {$30.00}.
In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!
I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming
Since Experian assigned  XXXX   XXXX  from their consumer affairs department, I can not get any information from experian.com and I am not able to get the Experian annual credit report.
I have been a Bank of America customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had " made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds " if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.
I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. 
XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.
1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine
I have lodged disputes witXXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017.
This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file. 

Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment. 

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.