WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a safe deposit box at Bank of America in XX/XX/XXXX or XX/XX/XXXX. The safe deposit box was subsequently closed and the keys were surrendered in XX/XX/XXXX. At the time of the closure, they were unable to find the documentation to close the safe deposit box ( I believe it was my original signature card ). In XX/XX/XXXX or XX/XX/XXXX, I received a notice in the mail saying that I owed a balance for the safe deposit box, and was told by a customer service representative when I called the XXXX number that I needed to contact the branch directly. I spoke with a teammate at the branch and was told that they would research the issue and follow up with me. I called back a week later and was told the same thing. On my third attempt to resolve the issue, I was told that my records were found, and the issue would be corrected. Also I was told that I would be sent a confirmation of closure via mail. In retrospect I never received the confirmation via mail, but as I was told the matter had been resolved I did n't think to follow up again. Today I received another Payment Notice for the safe deposit box with an outstanding balance of {$350.00}. I have n't accessed this box in over a decade now and the last time it was accessed was to validate that it was emptied and surrender the keys. I remember there being an access log, and it should show that I have n't accessed the box since XX/XX/XXXX or earlier. Massachusetts echeatment rules for safe boxes state that after one year of delinquency the bank should send me a 60 day escheatment notice, and escheat the contents to the state. Why am I still being billed for a safe deposit box that has been dormant for over 10 years AND that I closed 10 years ago? I do n't know what records are actually available for the account but certainly there should be record that this account has been dormant for over a decade and that I 'm still being billed for it. This is unfair : the bank is intentionally not closing the box to continue accruing rent. It seems very deceptive. The box should have been closed out years ago and regardless the bank should not have charged me for rent year after year for a delinquent box.
Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.
I had requested for a consolidation option for my son. Upon receiving quotes from XXXX and Navient regarding a consolidation they sent me information in late XXXX early XXXX ( XXXX ) informing me that my application was under review and that I would receive a packet in the mail that would allow me to decide if the options presented to me would work. I was told over the phone that nothing was solidified and that until I receive this paperwork I would not be set into a plan. Well, I did not receive the paperwork in the mail and on XXXX XXXX, XXXX my loans with XXXX were bought from Navient for a total of roughly $ XXXX. I called to question this and was told that because my lack of response, I was automatically enrolled in a 25 year plan for repayment with this consolidation and because of this consolidation, I could no longer adjust the terms. I was upset because I did not sign any paperwork and was never aware of the plan, interest, or the consolidation holder.
I made payments XX/XX/XXXX & XX/XX/XXXX. When i checked my account from Navient i can not see the two payments in the account summary which i always check everytime i make payment. I send them an e-mail and question why i did not see those payment but they gave me an answer like they put it as a refund ( do n't know what it means ) I did n't receive any refund check. Then they told me to skip XX/XX/XXXX which i did. When i paid XX/XX/XXXX the same thing happened it did not appear in my account summary, instead it appears that I am delinquent. I called and ask but no clear answer to my question. On XX/XX/XXXX i am due my payment but i feel like not making another payment until the issue is resolved, on the other hand i do not want to be delinquent. All payments are done online. I am the parent and this is my Parent Plus Loan for my XXXX boys. XXXX graduated XX/XX/XXXX and XXXX graduating XX/XX/XXXX.
I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.
This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.
Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX  for XXXX dollars.

Link : XXXX XXXX XXXX  Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX  I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.
I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.
I contacted Alliance collections about putting 8 collections on my credit for the same collection and how it was an unfair practice for them to use my doctor dates of services and the broken up bills that the hospital sent them for the grand total, when those dates of services and those bills were never sent to me like that in the first place. They wrote back to me telling me its basically legal for them to do that..and sent the list of the dates of service. Those billls were sent to my insurance and then sent to me. So i got them as a big bill. I know you ( Allaince ) got contracted to pay off one amount. Not all of the little amounts you are are trying to use as your bills to ruin my credit and make me pay faster. It only makes me want to contact a lawyer and see what i can do because i have proof that it was one bill from the hospital. being on XXXX, is hard getting by anyway, and when you do this to people to hurt them it is terrible and it is unethical i feel to ruin someone's credit when they are paying you just because you want them to pay quicker. I know I owe, it is not about that or the amount. It is about you putting 8 hits on my credit for one bill from the hospital. That is ridiculous. That is unfair and unethical  practices.
Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.
I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile
Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.
- I got notification from XXXX XXXX that my score has dropped so I began to research as to why. There were XXXX hard inquiries according to XXXX on XX/XX/XXXX and XX/XX/XXXX from Chase which I have no idea why. 
- I also got an email from XXXX XXXX XXXX on XXXX XXXX stating that my credit card application has been approved but I never applied. 
- I would like for these hard inquiries to be removed from my account.
This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.
I got a title loan in XXXX for {$1000.00} and also got another {$300.00}. My payments have been very steep. I have made all of the payments. For XXXX they only charged me {$60.00}. So I called and asked why they said I guess the company is giving you a break I'm not really sure and also asked if I would like to get more money on my loan which I declined. Now I look online for my XXXX bill and they have charged me {$590.00} for just the month of XXXX. Which is unrealistic I can't afford that. I have children to take care of. So now I'm going to face losing my vehicle.
XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on XXXX XXXX and transunion credit bureausXXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and transunion.these debts should not be on any credit file as they are insured and the result of error.
Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.
I have responded and sent out dispute letters to company Ability Recovery Service for XXXX College. XXXX College stating that I owe them {$1300.00} in payments for classes that I never attended. I was a victim of identity theft and have present an police report to the credit bureaus to put on my file. They have my phone number and mailing address that they are sending this information to and I have not done any business with them. I have explain in my letter to Ability Recovery Service collection agency that I do n't owe the money for this debt. Per the collection agency XXXX College wants me to call them and explain the situation to them, but I sent dispute letters to them and the credit bureau to get this collection debt off all three credit bureau and I have not had any luck.
The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. 

I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. 

I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. 

I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.
Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .
I pay bills the day I receive them, and I always pay my credit card bills in full. And because I am uncomfortable with electronic means, I insist on receiving a MAILED paper monthly statement. 

So when I am charged {$25.00} for a late fee, it either means that the letter carrier somehow " lost '' the statement, or the bank did n't send me one.
In the past few years I have been charged over and over for paying late. I suspect that the credit card company ( in this case Bank of America ), declines to mail a paper statement every few months to customers who pay in full their balances.
I have paid " late fees '' over and over in the past few years, and I am tired of it. One or two of those I may have misplaced and was thus legitimately charged, but the majority of them I did not receive.
Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX-Equifax, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX-Equifax, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.