WillisBack/dataset-financial-user-claim huggingface dataset:
After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident
Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( XXXX ) XXXX
XXXX XXXX bloomers keeps calling about at least 5 times a day and no voice mails get left and no one answers when you you call the number back.
The finished my payments with XXXX XXXX XXXX in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
LexisNexis XXXX reported to XXXX XXXX XXXX incorrect Indiana XXXX information. Called LexisNexis XXXX and asked how to get a certified XXXX record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified XXXX record and XXXX and the Indiana XXXX is responsible for correcting the incorrect third party information. The refusal to allow me to provide the certified dmv record is affecting my auto insurance renewal and the incorrect information resulted in a refusal to renew auto insurance effective XXXX/XXXX/16. I spoke with XXXX ID # XXXX on XXXX/XXXX/16 at XXXX XXXX at Lexis Nexis. They are providing information that affects my financial well being and preventing me from obtaining auto insurance. This is a consumer reporting agency - third party - and they are providing incorrect information and will not allow me to dispute the information.
On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.
Hello, I used to have a Santander bank checking + savings account when I first came to this country as a student in 2013. When I stopped using that account, I went in to close both the accounts and was told that instead of closing it formally, I can just withdraw the money and stop using the account, and the inactivity would make them close the account in a few months. This was in XXXX 2013. Moving on, I started receiving mailers from Santander bank at my current address for a {$220.00} bonus if I open a checking account. I went to a branch in XXXX, MA. to apply and I told the manager that I used to have an account. She could n't find any account in my name in their system and told me I am a new customer to them and opened a new account for me. I fulfilled all requirements of direct deposits for the account and contacted them multiple times for the bonus and was told that to wait longer. Finally I got in touch with the bank employee who opened my account and now works at a different branch and he told me I would not be getting that bonus as I was an existing customer for them. I was misled while opening this account and I feel I should be getting the bonus {$220.00} I was promised for being honest and upfront about everything whereas the bank was not.
XX/XX/2018 Phone calls placed at XXXX XXXX est, XXXXXXXX XXXX est, XXXXXXXX XXXX est, XXXX XXXX est and XXXX XXXX est ( call on a different number ). 

I spoke with XXXX XXXX at Grant and Weber at XXXX extension XXXX regarding a medical bill. I was asking questions about why the debt could not be negotiated and how then medical collections worked. My mother spoke with XXXX and was told she could not speak to a supervisor. I went back on the phone and tried to clarify more questions that I had. I was told numerous times after asking that I could not talk to a supervisor and eventually told " I will not transfer you. '' Once this phrase was spoken I immediately asked about the call recording policy. I requested to know how to get a copy of the phone call several times and was repeatedly denied. I was also told by XXXX " I tell you what happens. '' I called back four times after XXXX transferred me to a general voicemail after I brought up wanting a copy of the phone call. I called back to speak to someone else about getting a copy of the phone call and Grant and Weber will not answer my phone calls ( tried three times ), and when I called on a different phone with the same last name, hung up on me. The business practices used by Grant and Weber,  especially XXXX, are an attempt to force the consumer to blindly pay a bill without having their questions answered. 

XXXX refused to let me speak to a supervisor until I said the magic words, that I wanted a copy of the phone call. He then attempted to threaten me more by stating that " I tell you what happens. ''
My mortgage company, Loancare, purchased my loan from XXXX. My XXXX monthly payment went up {$400.00}. When I called Loancare, I was told that an escrow analysis was conducted in XXXX of XXXX. At that time it was determined that there was an escrow deficit in excess of {$3000.00}, which is beyond the normal course of affairs. Neither my taxes nor home insurance went up enough to cause that kind of deficit. I first called Loancare and emailed them with my issue on XXXX XXXX, requesting a full escrow history analysis. In the intervening time, I have been promised on XXXX occasions that a supervisor would be in touch that day or the next day, only to have that not occur. For two weeks, it was impossible to stay on the line and wait for an agent -- XXXX had to opt for a call back, which made it difficult to communicate with Loancare. Between XXXX XXXX and now, I have had the following information given to me agents/supervisors only to have the next XXXX refuse to acknowledge and confirm what was said : 1 ) XXXX agent, looking into the matter, indicated that it seemed that when my loan was purchased incomplete escrow monies came over and escrow monies were erroneously applied to principle ; 2 ) I had a supervisor last weekend explain that every payment I have made is being manually readjusted ( even dating back to XXXX before Loancare bought the loan ) -- the following agents have refused to confirm this ; 3 ) I was promised that the situation would be escalated to upper management and that I would be receiving a phone call on XX/XX/XXXX. That day has come and gone, as is par for the course with Loancare and how it seems to do business.
EQUIFAX HAS NOT PROCESSED DISPUTE AND INVESTIGATION TIMELY FOR XXXX AND XXXX. I AM AUTHORIZED USER ON BOTH ACCOUNTS & XXXX XXXX XXXX, INDIVIDUAL ACCOUNT USER, HAS BOTH ACCOUNTS REMOVED FROM HIS CREDIT FILE WITH ALL XXXX CREDIT REPORTING AGENCIES DUE TO INCORRECT DATA. BOTH ACCOUNTS ARE CLOSED AND OLD AGED ACCOUNTS.
Under Fair Credit Reporting Act section 611 ( 15 USC 16811 ) I am allowed to ask that disputes be removed. Mortgage companies deny loans and disputes put on there in error can be removed. I have tried for 3 months to get Experian to remove disputes made in error - each time I call, write, fax, a new dispute is opened which hurts me more. 

Each time I am told they will handle it they open yet another dispute ( see attached ). 
it is a cycle and it just adds to the problem. 

XXXX had no issue with doing this and took the comments off the report. 

Experian continues to send my inquiries by telephone or letter or fax to the dispute center and open yet another dispute. 

( see attached )
A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}.
On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ). 

I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX. 

The XXXX charge dropped off. 

They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending. 

My question to them is why had n't they done anything in the intervening 3 days? 

I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen. 

I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account. 

To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done. 

To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees
I enrolled in the Public Service Loan Forgiveness program because I only work for non-profits. FedLoan Servicing has given me the runaround since XXXX. I have sent in the forms, which they claimed they never received, sent them again and again via fax, yet I can not get the customer service reps to accurately record my employment with the non-profits correctly. By them not recording the information correctly, they always say I am not enrolled or they have no information regarding the agency. I have been with the XXXX FL XXXX ( the 2nd time ) since XXXX. Today they recorded it as XX/XX/XXXX. Prior to that I was employed with a XXXX organization in XXXX - no credit for employment there. FedLoan Servicing has done everything possible to incorrectly show accurate employment information to make sure I dont get credited appropriately. They do n't even credit my overpayments correctly.
Took private loans to cover tuition costs after federal aid was not available, on or about XX/XX/XXXX. The private loans I understand were owned by " XXXX XXXX '' with unreasonable high interest rates such as 12.500 % on a {$15000.00} and 14.375 % on a {$15000.00} principle. Navient, formally XXXX XXXX, has refused to provide any banking institution information that I could use to help re-finance any of the high interest student loans. I called Navient today, XX/XX/XXXX to inquire again about possible refinance options to lower the interest rates but told that I would need to contact a 3rd party and again refused to provide information on which bank ( s ) own my student loans.
I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
The credit reporting agency has refused to investigate various creditor that I believe are report information incorrect on my credit report.
Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX
The telephone number listed is my place of employment. I have requested this man stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX. 
He has called every day this week and I have repeatedly asked him to stop.
My loan was with XXXX up until XXXX 2017 and  was bought by Nationstar and is now Mr. Cooper. 
Every month I send them an extra payment of {$1500.00} and instructions to apply in whole to the principal. Every month they apply it incorrectly, every month for the whole year. 
They apply it this way ... 
Principal {$580.00} Interest {$420.00} Escrow {$370.00} Additional Principal {$110.00} That 's {$790.00}, almost {$800.00} that they try not to apply to my Principal on my loan. I have given them instructions and every month they ignore my instructions. Every month I have to call, explain what they did wrong then wait for a couple of days for them to apply the correct amount toward the principal. 
Every month.
I owed a debt in XXXX to Wells Fargo Bank. I was contacted by XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) demanding {$1100.00} by XXXX/XXXX/XXXX. This was sent in and this collection agency sent me a letter showing I had a XXXX $ account balance and that I was Released from all claims and liabilities pertaining to the above referenced account. I recieved a phone call last week ( XXXX/XXXX/XXXX ) from the XXXX XXXX XXXX XXXX ) XXXX attempting to collect the same debt from five and half  years prior, for which I have the written proof that it was paid. I have a message from them stating they were planning on taking me to court and if they did not hear back from me they would talk to my HR dept to garnish wages. When I called XXXX XXXX, the paralegal reported that a letter was sent 45 days prior ( which I never received ) though when I asked for a tracking number she said it was not sent with one. I then submitted copies of the documentation showing payment in full from XXXX to a paralegal I spoke to at XXXX XXXX. She said I would be contacted by one of their attornies in 2-3 weeks supposedly to confirm the documentation. When I asked for a confirmation letter from her, the paralegal said one could not be furnished. I also tried to contact Wells Fargo overdraft collection delartment MULTIPLE times ( 8 times over the course of the morning/ early afternoon ) on XXXX/XXXX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I was disconnected or told to call back at a later time. I also on the same day ( XXXX/XXXX/XXXX ) tried to get their collections dept. to help me which they could/ would not. My goal was to get this confusion taken care of. I tried calling the original collection agency from XXXX ( XXXX XXXX, XXXX ) however the numbers on the paperwork are out of service. The whole situation is disconcerting ; i would hope a large corporation like Wells Fargo would keep more accurate records. It feels as though they are trying to take advantage of me. I am now concerned because Im afraid the new collection agency is going to say because the original collection agency is now longer around, that i still owe the money. Thank you.
Hello! 

RSI Enterprises is threatening to claim debt collection to a citation issued by XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a supposed photo " stop sign violation '' and a {$100.00} fine ( now {$130.00} after collection fees ) from 2015. I finally received a collections letter dated this month. There is no available proof online that this even occurred, no video of the supposed violation nor of the driver to prove that I was driving. 

Firstly, I never agreed to pay this debt, therefore this is considered invalid right off the bat. There is not a posted sign at the entrance to this private property park and therefore does not constitute a Legal Contract. Secondly, the laws clearly state that a " promise to pay '' MUST exist before anyone can post to a credit report ... deeming this a false claim on collections. 

It is illegal for out of state companies to claim collections on private property that are n't legally enforced. When driving on public roads and am cited for a violation, by LAW, the officer must have the suspect sign that claims they will be responsible for any/all debts or fees that are incurred by said violation. 

Many others have also had this happen to them ; some fight it in court, some just ignore the claims by RSI Inc.. It seems that ignoring the collection letters is completely valid due to their acting on illegal collections and because there are no DMV restrictions or appearance on credit reports ... just proving even further that this a scam run by XXXX. 

Thanks for submitting this company and hopefully we can fight to take them down with everyone else that has had these illegal debt collections sent to them.
we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.
My person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.
CashCall Inc. keeps giving my loan to other company and keep raising interest on my loan and to that I stop paying them.
Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.
Public record XXXX Dist Court Docket # XXXX, plaintiff XXXX XXXX went to small claims court asking for {$550.00} dollars for contract work not completed. Judge rule on the side of defendant and agreed with amount paid prior to the court appearance and I agreed to pay court cost of {$93.00}. TransUnion shows I owed and did not pay until the court appearance {$240.00} and that is not accurate. I keep explaining this to them and they continue to post the same explanation?