WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.
The bank closed and restricted two of my accounts with out any prior notifications and when I called to require about the issue a representive told they had no explanation for why and I needed to contact the security intake team because it was under review. I contacted them several times throughout the past month and I am sent directly to voicemail. They charged a reversal amount of XXXX $ which was deducted from the account without my knowledge or approval and I had XXXX in my checking account. These actions has caused me to be evicted from my place of residence and a lot emotional, physical, mental and financial and unnecessary stress on my family. I have e-mail the CEO of the bank and whomever else I contact to get this resolved but no response or results.
I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.
XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.
I took advantage on XX/XX/XXXX of an American Express promotion to receive XXXX XXXX XXXX points after adding an authorized user and spending {$1000.00} on the authorized user 's card within three months of adding it. This spending threshold was met on XX/XX/XXXX. On that date I contacted AmEx 's customer service by online chat through their banking portal, and was told the points should post within 6-8 weeks. 

These points have never posted, despite several follow-up contacts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. 

I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. 

I totally object to the way my situation is being handled by the following institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records
On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Bank of America ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Bank of America and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD " TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUTDOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON THIS.
All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.
Equifax is not investigating and verifying the accuracy of accounts in my credit report that are reporting inocorrectly.
For the period from XXXX XXXX, 2015 thru XXXX XXXX, 2015, my medical insurer was XXXX. During the same period, XXXX XXXX was my medical device provider. XXXX has repeatedly attempted to collect for rental for a XXXX for the treatment of XXXX XXXX. According to XXXX, XXXX did not obtain pre-authorization to bill XXXX for the rental of the XXXX and denied charges for the certain months, but has paid their portion of the charges for other months. XXXX has advised me on multiple occasions that I am not responsible for payment under the terms of their agreement with XXXX and that I can not be billed for the contested charges. However, XXXX has repeatedly attempted to collect directly from me and on several occasions has placed the charges with a collection agency. ( I will note that my complaint is strictly against XXXX, not the collection agency ) Furthermore, I have documentation from both XXXX and XXXX that the CPAP rental for XXXX 2015 was paid, yet XXXX continues to claim I owe them {$300.00} for that period. 

Presently XXXX claims I owe them {$980.00} although this figure seems to fluctuate from month to month with little explanation as to why. As recently as XXXX 2015 XXXX claimed the amount due was {$1900.00} Finally, I made a payment of {$490.00} in XXXX 2015 for for the XXXX, 2015 machine rental, under duress, in order to prevent the charge being sent to collections. I am contesting that charge as well and want the money refunded. 

I have referred this issue to the Washington State Attorney General 's Consumer Protection Division but their role in this matter appears to be limited to mediation with no apparent enforcement authority. To date neither XXXX nor XXXX have responded to the WaAG-CPD inquiry. I was advised by the AG 's CPD office that private legal action may be my only option, but did suggest that a complaint with CFPB may also be helpful.
XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I am trying to up my credit score so I can buy a home. This failure to protect my information may destroy my ability to make my life and the life of my daughter better. I am, frankly, terrified.
New information based on CFPB, XXXX, we sent out a debt validation letter on this property with loan number ending XXXX. This is the information they sent back. 
The debt was not validated and they are collecting the debt.
I had a student loan, it was a XXXX loan from XXXX  XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XX/XX/XXXX and defaulted in XX/XX/XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XX/XX/XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With Equifax, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XX/XX/XXXX. I submitted multiple disputes to Equifax and they have not fixed the problem. I have multiple old credit reports sent directly from Equifax XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XX/XX/XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XX/XX/XXXX and first reported as 90 days late and XX/XX/XXXX. The date of furniture is adamant that they're providing the correct information to Equifax showing that the account was reported as 90 days late in XX/XX/XXXX and that the problem is on Equifax end. Equifax refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
I got an email offer for getting XXXX after {$5000.00} spend on XXXX XXXX 2017. I enrolled in the offer on XXXX XXXX 2017 and got a confirmation email shortly after I was enrolled. Then I spent some time completing the spending requirements. During this time I got couple more emails reminding me to put spend on this card to get the bonus points. However, I did n't get any bonus points after I completed the spending. I called American Express to submitted a claim regarding my missing rewards. Then I was told that the deadline for enrolling is XXXX XXXX, 2017, which I missed ( expiration date for enrollment was written on the side with smaller font, easy to miss ). However, I did n't get multiple confirmation email after my enrollment. I understand that I should be enrolled within the time frame to get the offer, but it is clearly American Express ' mistake to send out multiple confirmation email to remind to spend the required amount. Thus, I feel I should be rewarded for the offer. I talked to a couple rep from American Express, but they all refused to help me. I 've put a lot of my everyday spend on this card and always appreciate the good customer service from American Express. But I have to say that this experience is such a disappointment to me.
Over the last few months I have been trying to get my credit work done between the three credit bureaus equifax XXXX XXXX and XXXX  they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section 609 you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.
My monthly mortgage payment has gone up from {$600.00} per month to {$620.00} per month. When I called Nationstar asking why, I was told that my condo had a newly assessed value. I am assuming that the newly assessed value and increase in my payment is direct retaliation for the filing of my last complaint with the CFPB about this shady company. 

My old {$600.00} monthly payment was broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes & Insurance XXXX XXXX XXXX Monthly Payment $ XXXX new monthly payment is broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes {$63.00} per month & Insurance {$37.00} per month ) = $ XXXX Monthly Payment {$610.00}. 

However, I am being billed {$620.00} per month, starting XXXX XXXX, 2015, not {$610.00} per month. 

When I inquired about the increase in payment, I was not given the current value of the property that the tax amount is based upon, and in addition, I was told that Nationstar has some goofy rule that allows them to keep up to two months of tax payments in the account even though they do not go to the taxing authority. I was told that this was also the reason why my payment has gone up. When I ask these questions, I either get someone on the phone who does not understand the question, and/or I get transferred all over the place. 

Here is what I want : The value of the property that Nationstar is basing their taxes on. They keep pushing me to the taxing authority to get this value yet Nationstar has that information readily available, otherwise they would not be able to generate the tax amount. 

The law or rule in Nationstar 's possession that gives them the authority to withhold XXXX months of tax payments. The law or rule that says they can not give me the value of my condo from their perspective. 

An explanation as to why my payment went up from {$600.00} per month to {$620.00} per month. 

It is this sort of shadiness that makes people wary of the mortgage business. It is time this behavior stopped.
EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.
On XX/XX/2018 at XXXX pacific time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from XXXX XXXX and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.
On last month I filed a dispute with Experian about an account resulting from identity theft and they said that it came back verified. On XXXX XXXX2018 I sent another request along with my Federal Trade Commission Identity Theft Report, they already have copies of my police report. Along with the FCRA section 605B which as a credit reporting agency I am sure they should be familiar with. Section 605 B of the Fair Credit Reporting Act requires them to block any information resulting from identity theft in four business days. This is the fourth business day. This is not a dispute so it should not take 30 days. I still have not heard anything back from the company and it is still showing up on my Experian account. I need this inaccurate information blocked as it is required by law.
Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen.
Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Bank Of America ( BOA ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my BOA accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with BOA. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a " defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with BOA Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported " default payments ''. 

Thanking You, Yours Sincerely XXXX
I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.
There 's a Florida address that belongs to a thief that took out a XXXX dollar loan in my name in XXXX! 
From the looks or this report, I believe he 's at it again. Never lived in Flordia, never took out a XXXX XXXX credit card? Seems like he took another loan out in my name in XXXX? 
Do n't really know what I can do at this point. The police told me in XXXX when he took out the first loan, that this man has been steeling identity for over 15 years, with never a conviction? So now 10 years later, he 's been stealing successfully for over 25 years! 
I 'm ready to give up and start doing what he is! Seems like a pretty good living! 
I refused to pay a bogus bill from XXXX in XXXX and it still shows up 11 years later? 
It seems to me that my XXXX score is not fair at all. 
Thanks, the real XXXX XXXX XXXX. XXXX