WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 To CPBP, SUBJECT : Bank of America 's deliberate attempt to delay process of Automatic Full Payment inspite of reaching out several times.

Hello CPBP, I have been approved for XXXX XXXX XXXX XXXX from Bank of America. I have contacted them several times to make sure that the card is paid in full ( automatic full paym

ent ). However, Bank of America has enforced a policy that unless and until " XXXX  '' is not generated, customers can not set up their account to be paid in full. The " XXXX XXXX' generation process has taken several months and upon several requests Bank of America was not willing to set up auto payment over the phone.
They have done so for charging interest My balance was just in range of {$20.00} and they have marked my account with credit reporting agencies as delinquent and in debt collection of for debt of {$1.00} ( for 4 months, total of {$6.00} ).

This has led to cascading effect of high inconvenient and many of my applications being deined resulting in hundreds of dollars of loss..

I have made full payment to Bank of America ( including the interest charge of {$6.00}, today XX/XX/XXXX). They have still NOT obliged my request for auto payment of my card, in case i use the card.

I sincerely, reqest CFPB to investigate this loophole which " Bank of America '' has created to not approve the " XXXX '' process and hence NOT honor any request for auto- payment in full.

thanks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX
Alpha recovery group is claiming that 2 accounts were opened on XX/XX/2018. I have disputed this accounts validity with Alpha Recovery and the results came back as verified with XXXX. However, this is not my account and I have never received correspondence via phone, email or mail from Alpha Recovery stating that a debt was owed to them. This in itself was a violation of my consumer rights because it did not allow me to dispute the validity of these accounts before being reported to XXXX. In response to the XXXX   dispute, I was sent a settlement letter via mail. They did not send me validation of the accounts in question as requested.
I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.
Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.
I has submitted a complaint abo ut   XXXX   XXXX   XXXX   (   XXXX  ) a few weeks ag o Complaint  #  XXXX . I faxed in a request to change the bank account my contribution for my IRA was withdrawn from. Only the account was changing, the amount was to stay the same. The update form was faxed at the end of  XX/XX/XXXX  and would take effect for the contribution on   XX/XX/XXXX  . However  XXXX  attempted to withdraw the money from the wrong account. When I asked why this happened, they claimed it was because they were not sure the amount and defaulted to the account that was previously set up. After this I called my Investment Rep and he sent me the same form I had already sent in, which I returned and  XXXX  was able to correct their mistake.   I received a letter from  Huntington Compliance , where they claim I had requested the withdraw to start with   XX/XX/XXXX  , which is incorrect.  XXXX  made a mistake and while this was eventually corrected, mostly with my pointing out all their errors, this is not acceptable for a large company to make mistakes like this.
I cancelled car insurance with XXXX in XX/XX/XXXX. I obtained coverage with XXXX. XXXX continued to bill me through XX/XX/XXXX and cancelled non pay. The debt was sent to XXXX XXXX XXXX Opened XX/XX/XXXX - {$140.00} Original creditor : XXXX XXXX XXXX After applying for a mortgage and being denied I contacted both XXXX and XXXX XXXX I sent a copy of my XXXX documents since XX/XX/XXXX and disputed it with TransUnion they have denied my dispute as a valid charge even thoug XXXX day the it is a XXXX balance due to having coverage with XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE :  XXXX Policy Number XXXX issued by XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for speaking with me. This letter is intended to confirm our conversation on XX/XX/XXXX regarding the status of the billing adjustment on your cancelled auto policy after receiving proof of other coverage effective XX/XX/XXXX. As we discussed, we now have on record that the account is closed with an ISO balance of {$0.00}. With this information, I will send another notification to our collections department to inform them of this. If we may be of further assistance, please do not hesitate to contact us Sincerely, XXXX XXXX XXXX XXXX Gold CSR XXXX cc : XXXX
This debt doesnt belong to me someone used my information and they didnt pay for this and now its on my credit.
On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.
I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.
Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.
I have a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my report.
On XX/XX/2018 I view my account Checking and Saving account and TD Bank double charge me one Charge of {$5.00} Maintenance Fees and another charge for {$1.00} for mailing my statement prior to online banking the statement for all account was required by United States Federal Regulations and now because of the new internet used the TD Banks and other Bank within the United States are adding extra cost for banking when this is consider to be Fraud if I'm paying {$5.00} maintenance Fee should this cover mailing expense because United States now have different method to Bank it should be illegal to charge for mailing of the statement and when open the account this is what they informed me that will maintenance fee only Please investigate this agency and Maintenance Fees charge to me and others ensure that it according to United States Federal Reserve Bank Regulations and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Vermont Student Assistance Corp ( VSAC ) ignored my deferment request and has garnished my Social Security deposit and my IRS tax refund. 

My deferment request was valid based on 1 ) an existing deferment for another student loan and 2 ) economic hardship. In addition to the garnishment, VSAC harasses me with daily phone calls and letters. It is pressuring me to enter its repayment program with higher interest rate. 

I am single, retired and live on a fixed income. Prior to the garnishment, my monthly income was {$1200.00}. After the garnishment, my monthly income is {$1100.00}. My income consists of Social Security and a small pension. I am unable to work and hope to receive XXXX but am afraid to apply because VSAC will take it. 

I am in extreme financial distress because of this garnishment. I have XXXX cents in my bank account. I had to sell books to buy my last monthly prescription. I had to borrow money to pay my utilities after having them cut-off 2 weeks ago. I live under daily XXXX because of this which affects my medical condition ( XXXX ).
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . XXXX
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.
I am trying to get a letter of deletion/forgiveness for a late fee that was reported to credit bureau. It is for the month of XXXX. I called the company and they said they were unable to do it so I had to write the home office. I have n't gotten a response as of yet and I 'm in need of one.. I need the letter of forgiveness in order to pass the underwriting for my new home. That letter is the only thing holding me up from moving. My job changed it 's pay period so therefore I was late paying.My account is still open and current with prompt payments on time.
I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX/ XXXX/ XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
I had a card Upromise XXXX account ending in XXXX and apparently from XXXX payment from my account I am being held responsible for this account. I am a victim of ID THeft and I would appreciate this card to be handled under that protocol.
I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.
I feel we we 're mislead with the forbearance. The interest that accrued over the course of forbearance is close to {$20000.00} in 5 years. The original loan was {$58000.00}. We did not fully understand this process. During this time, we went through a bankruptcy. This is our daughter 's student loan taken out as a parent loan. We also did not realize she was not on the loan at all as the plan was for her to pay her loan. She worked in low income schools as a XXXX and was not able to get the loan discounted as it was in our names only. We would have done the original loan as a cosigner if we had been offered that option. Our complai n't is with the servicer both XXXX and Navient. The school attended was XXXX.
Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).
Despite several written requests to TransUnion that they are reporting inaccurate information on my credit file. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? As of XX/XX/XXXX XXXX TransUnion is reporting my XXXX XXXX account as a credit card account included in a XXXX bankruptcy. This account should be a closed credit card account in good standing. I have never file Bankruptcy. TransUnion is also reporting a collection account from XXXX XXXX XXXX XXXX. This account was deleted from my credit file in XX/XX/XXXX. XXXX XXXX XXXX agreed that they will delete information from my credit files.
I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).
I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.
In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.
Citibank arbitrarily, without notice or more importantly without justification closed my Double Cash account in EXCELLENT standing on XX/XX/2016, simply b/c I disputed a {$32.00} charge for which I submitted detailed information to support the minor dispute. Citi advised me in writing that as a result of its investigation, my dispute was meritorious and it credited my account for {$32.00}. Then it was summarily closed without notice or justification. 

Besides being a loyal Citigold banking customer, I had had this acct for more than a year with 0 % APR on purchases. During this time, the following happened : 1 ) Citi increased my credit limit without my even having to request it. 
2 ) I made more than {$40000.00} in payments in advance of any of it being due b/c of the 0 % APR. 

I called Citi to inquire why my acct was suddenly closed which I learned when I was trying to catch an XXXX home for {$5.00}. The reps were apologetic and after reviewing my acct, could n't explain why except to say that there was a " security risk. '' So I did n't understand why I was n't contacted if Citi noticed suspicious activity. Instead, I was advised to write to Citi 's Office of the President. I have since written twice to Citi, first on XX/XX/2016, and again on XX/XX/2016, when I received no response from Citi. 

It 's impossible and unreasonable to think that after my making over {$40000.00} in advance payments on an acct with 0 % APR that Citi independently deemed as being in excellent standing and increased the credit limit to {$7500.00}, that my disputing a {$32.00} erroneous charge for which Citi issued a permanent credit in my favor would constitute anything but a " security risk. '' Citi 's actions were unwarranted and remain unjustified and have adversely impacted my credit history. I have followed Citi 's instructions to write to its Office of the President ( when electronic communication is the most efficient and expedient way to communicate ) but have received no response. Twice. Citi 's silence can only be imputed as its admission of negligence and its failure to correct its patent error in closing my acct and deeming it/me a " security risk '' without justification or explanation.