WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.
My data was compromised in the 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.
I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
I sent a registered letter dated XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
I applied for a Paypal Cashback Mastercard from Synchrony Bank while I was going through a difficult time. This was in XX/XX/2018. I had just been evicted from the house I was renting and didn't have much money. They gave me a very generous credit limit, but due to certain obligations while I was staying with family, it quickly got whittled down to almost nothing. I was making the minimum monthly payments with no problems at first, but soon I noticed they started to increase my minimum monthly charge a little more each time. Some months it was as high as {$97.00} - higher if I couldn't afford to cover it. XX/XX/XXXX charge was {$73.00} and last month 's was also {$73.00}. I cancelled the card last month because I couldn't deal with it any more, paying that much every month and only the barest scraps were being applied towards my overall debt with the rest being eaten up by unreasonable fees, charges, interest, etc. I asked if they could reduce the amount due to my hardship but they refused, stating the fees, interest rates, APR, etc. were all pre-set at a certain limit. The card is no longer active and they are still charging me ridiculous amounts even when I can not use it. The last statement I got said I owed {$73.00}. I paid that, but only about {$20.00} of that went towards the whole amount ; the rest was interest on purchases ( XXXX for purchases and XXXX for cash advances ). My current APR on this card is 28.99 % which is ridiculous and I think they themselves know it and just took advantage of me due to my poor credit history. These people are predatory and should not be allowed to trap people into financial slavery like they do.
We bought our first home XX/XX/XXXX. XX/XX/XXXX I received a notice of foreclosure. I tried to get a modification and did so but still could not keep up with the payment. The bank resumed the foreclosure and we received a letter stating they would be selling the house. we moved and a year later we found out that they stopped the sale and the house is still sitting empty in our name. I 'm just trying to find out what options I have if any. 

After doing some research I found out that known robo-signers names and signatures are on a-lot of my paper work. 
The original loan servicer was Litton loan and my mortgage was sold multipul times, I 've lost track of how many times. 
The current servicer is Ocwen and they keep sending me a bill for $ XXXXDo i have any options besides bankruptcy?
These inquiries listed below are not mines. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
VISA credit card through Bank Of America -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Bank Of America transferred (??? ) this money to what they have chosen to label " CREDIT BALANCE REFUND DEBIT '', and they labeled this as " FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Bank Of America is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate " snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!!
I called Synchrony Bank on XXXX and spoke to several people in their customer service department, after ; receiving a letter from them reviewing my credit report. I need to know if pulling my credit report was a soft pull or hard when I had not requested. I spoke to, a woman named XXXX, but she told me she could not tell me. I also, asked how could they say my accounts were delinquent when I did n't have any delinquencies for their reason for lowering my credit limit. I brought to her attention that none of my accounts were over their limits in XXXX, so how could that be a determining factor, especially when I just lowered my balance with them by {$50000.00}. It 's like after, I made that large payment in XXXX to them and all of my creditors to lower and pay off all of my creditors, I get this letter from Synchrony Bank to put a negative mark on my report.
Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, XXXX. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, XXXX. If there is shown a way to contact this agency, it is not readily or easily found.
XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me
Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied
I was contacted at my place of employment on XX/XX/18. I answered the call and they asked for me directly. I indicated that they were speaking to me and the indicated that this was personal business matter. I informed them that they could not contact me at my place of employment regarding personal business matters. The company is Reliant Financial Solutions and the phone number calling me at work is XXXX. They also have other numbers as well but this is the one that called me at work. They have been calling me multiple times per day on my cell phone number but will not leave a message.
I refinanced my loan with XXXXXXXX XXXX  in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. 

On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX  XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. 

Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.
I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX
My complaint is one many bank of America and their fraudulent practices they give me a loan modification based in my income what I can afford they know my income is limited but they said one year after you make the payment I will be able to refinance their loan modification was only one way to make a contract that is in favor of them by law the contract it has to be that both parties agree on by they changed the way it only benefit them the loan modification only last 3 or4 mouths they forced me through the Cort system to sign their loan modification they have try before but this time after I paid them 3 times the amount they asked for they force I signed they said last complaint I made they know my income is limited my XXXX is the only thing on their way to help me I called costumer service but they do n't know why but refinance or hamp or hardest hit or harmp is not for me I called discrimination last person I talked to he said there 's no discrimination if I do n't apply one of his excuses was they do n't give me the form she said he will send them I m still waiting for them other excuse was that I did bankruptcy another of their lies when I signed my original contact she only sign become she was my wife she has responsibility in this loan that was one of the problems why they dropped the first lawsuit against me and my wife then they realize their mistakes and filed the XXXX lawsuit against me only bank fo American discriminate me For mi XXXX the hire lawyer they got in touch with me and warning me about the complaints discrimination about not getting refinance they try get me out of the house by changing the scrow
ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.
Two years ago I went to a XXXX XXXX XXXX in  XXXX XXXX, CA. The associate asked if I would like to open a XXXX Debit Card. I said no, however they explained, this is NOT a credit card and is in no way tied to your credit. I agreed to open the card, which was simply linked to my checking account like a debit card. I filled out the information and gave it to the cashier/associate. The associate entered the information, then rang out the transaction. The transaction went through and I left the store with approximately {$50.00} in merchandise. I am now receiving notice from XXXX XXXX that I am in collections. I have called them and they said that the transaction did n't go through and now they have put a collection on my credit. This error occurred due to some system error with XXXX and I never received notice that I owed them anything. They will not remove the collection even if I pay them. My credit score has gone from the high 700 's to below 700. This all over {$50.00} on an account that I was told is not a credit account and was not tied to my credit whatsoever. Also the phone number they read back to me was wrong by one digit, they said they had called to try and collect the debt over the phone. I would have been able to pay this had the associate not entered my phone number in incorrectly as well.
Ally is a predatory lender i got a lian in 2013 with them they had a settlement against them in 2013 for XXXX and minorities that gpt a loan 2013 i wrote them a letter recently to attempt to settle my loan they cashed the check my interest was 14 percent over a 6 year term they got almost double their money from me i want my title
I have made multiple attempts to dispute an inaccurate public record on my credit report. Despite my request for proof of verification, methods of verification, etc., the company only responds with the " information has been verified ''. 

Failure to provide me with the requested information is in direct violation of section 609 of the FCRA rule.
When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XXXX/XXXX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account XXXX : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Navient is a criminal organization, they practically force you to make a payment VIA routing and account number. In order to pay by debit card you have to request a call back. They do not allow credit card payments what so ever. Navient was just recently sued for unethical practices like this. 

What is criminal is that they will not provide an amoritization schedule so I can plan to make more efficient payments on my loans. Theu rrfuse to provide this report because of special circumstances which they can not even explain. Navient does not want students to pay off their loan balances. Naveint expects students like me to pay interest until the day I die.
The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with XXXX and Transunion. 
** XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with disrespect and very harsh, without giving me a chance. 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE!