WillisBack/dataset-financial-user-claim huggingface dataset:
Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.
On or about XX/XX/XXXX, I requested my account closed, due to overwhelming debt. I explain my current situation, and explained I will not be able to pay until the spring of XX/XX/XXXX.  I was informed I could not enter into a payment plan, due to me only being between 30 and 60 days late on my payments. I also instructed the representative I hereby wished calls to no longer made to my number, and all future responses be conducted by postal mail. On or about XX/XX/XXXX, I again asked for the account to be closed, and I again stated my financial situation, and requested the phone calls halt, and for all communications to be conducted via postal mail. Also, the represenative stated I could sell items i purchased on XXXX. I found that as a personal insult. On or about XX/XX/XXXX, I  received 10 phone calls from XXXX. After my wife 's phone was contacted, I contacted the number back, and spoke with XXXX, who explained to me my account was still open, as well as there were no notations in my account. I requested a supervisor, and was informed it would be a minimum of a 15 minute hold. I requested for a supervisor to call me back.
According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights.
Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED
The company Klarna/XXXX  appeared on my XXXX   credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.
I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.
I received a loan from XXXX XXXX XXXX for {$1000.00}. I called this company 4 times and asked for these people to change my bank account information. They didn't change it, instead they continued to try to take the funds out of an account that had no money in it, causing it to go into an over draft status, thus, generating even more fees from my bank. Also, after receiving the loan, I realized that I was being charged an excessive interest rate, I looked up my state law and read that the cap in my state is 36 %. This company is charging me 515.35 %!!! This loan will cost over {$4000.00} with that interest rate. 

They are deceptive payday lenders that are hiding behind a tribal affiliation. They say that their tribe laws over ride state law? How is that? How do they legally charge over 500 % interest?! 

Never again, especially with this company. Its criminal that they take advantage of people that are clearly already struggling.
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
I have been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.
Western Union was used to send money to the XXXX as we do each month. We sent the money on XX/XX/2018 at XXXX XXXX Central time. Western Union has a new policy where they take the money out of your account but it is not ready for pick up for about 7 days. They are using the consumers money for their gain. 
tracking number is XXXX for the first transaction and XXXX for the other.
My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.
On XX/XX/XXXX, my homestead property was judicially sold to satisfy the unpaid balance of a promissory note I had executed in favor of XXXX XXXX XXXX back in XXXX, XXXX. 

The then-current holder of the Note was XXXX XXXX XXXX XXXX XXXX XXXX, the trustee was XXXX XXXX, XXXX, and the servicer was XXXX XXXX XXXX 

As of the sale date, the unpaid balance of the Note was {$680000.00} inclusive of unpaid interest added to the principal under the terms of the Note. 

However, according to the XXXX 's records, a withdrawal of {$60000.00} had been made from my loan account in XXXX, XXXX without my knowledge or consent. This artificially increased the loan balance to {$740000.00}. And when the loan was liquidated in XX/XX/XXXX, the XXXX recorded a prepayment of {$760000.00} and reported a {$25000.00} gain.
While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.
On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
There are two accounts one is Sears and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving SEARS/CBNA XXXX
I had just received a letter from Portfolio Recovery Associates. Monday XX/XX/2018. The letter is dated from XX/XX/2018. Portfolio Recovery Associates claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from PRA requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter
I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score.
On or aboutXX/XX/XXXX I contacted Portfolio Recovery Associates to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the PRA associate, she asked if I was also going to settle or pay my XXXX debt they have from XXXX XXXX  stemming fromXX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay PRA. I once again explained to her that PRA can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX  
Towards the end of the conversation, I requested that she have someone from PRA, in Authority, to call me and address the attempted collection. I have not received any sort of communication.

Name of company : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Thank you and I look forward to our correspondence.
Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.
My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX
I received a fault student loan collection that I was not aware of the amount of {$55000.00} and is not reported on my student loan servicing, this is scam collector company.
****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..
Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.