WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX Bank of America Attention :  XXXX XXXX XXXX Chair and Chief Executive Officer/ Customer Service Department/XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX : Reonveyance of Property at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Dear XXXX XXXX : This is a Notice, in lieu of a complaint at this point and time. 
Thank you for the affirmative steps youve taken to aid in the possession of our property. 
Pursuant to our ownership rights, as corroborated by your Companys recording of : a ) Substitution of Trustee, ( XXXX ), XXXX/XXXX/XXXX and, b ) Reconveyance recorded on XXXX/XXXX/XXXX ( XXXX ) c ) Substitution of Trustee and Full Reconveyance ( XXXX ), recorded on XXXX/XXXX/XXXX ) d ) Preempting the Trustee Deed recorded on XXXX/XXXX/XXXX, and, e ) Replacing it with, the Full Reconveyance ( XXXX ) : We are informing you of our action to reclaim possession immediately. 
For a smooth transition, as the Trustee, I will expect your cooperation in retrieving access to the property by : 1. Surrendering the Keys to the house to us, by mail, or providing a location for me to pick them up, or, 2. Advising the current Holder of those keys either to : a ) Mail them to your office, or, b ) Mail them to us at the above address If I have not heard either from your or the former managers by XXXX/XXXX/XXXX, I will pursue action to change the lock ( s ). 

Sincerely, XXXX XXXX
1 ) American Medical Collection Agency is attempting to collect {$230.00} for services I never received. The amount in dispute stems from a botched XXXX XXXX conducted by XXXX XXXX, in which improper procedures were followed and the results were invalidated. This resulted in my doctor having to order additional XXXX XXXX with another company and additional expense to myself. Both myself and my doctor 's office have attempted to resolve the matter with XXXX XXXX Directly. Upon each attempt to speak to representatives by telephone, we found their customer services agents completely befuddled and unable to cope with a simple request of correcting an erroneous bill. Due this absolute ineptitude on the part of employees at XXXX XXXX, the " usual procedure '' of " rolling '' unpaid medical ills into debt collection in order to intimidate payment out a consumer has occurred. However, the company has an obligation to only bill for services it actually has provided as well as correct bills that resulted from botched testing ( in which test results were found to be obviously invalid ). a ) The specific problem with the testing was 1 ) my doctor ordered two XXXX XXXX that were to be repeated 7 days apart to determine my reaction to a XXXX By XXXX 's mistake, both blood tests were done at the same time ( the same tests were performed at the same time ). Yet, the results of these two tests were wildly different, despite the fact that they were made from the same blood taken at the same time. So, XXXX botched the XXXX XXXX in two ways, and both myself and the doctor 's office have asked that they remove these charges from my bill. 2 ) I have explained the problem in letters to both XXXX XXXX and American Medical Debt Collection Agency.  Both of my letters on this matter have been completely ignored and not responded to by either firm. 3 ) After receiving an initial letter from American Medical Collection Agency, I requested verification of this debt. They have failed to provide this in violation of state and federal law. They did respond to my new address and by providing me a copy of their permit to collect in N. Carolina ( which is evidence that my letter requesting debt verification and request was received by them, yet ignored ). 4 ) The XXXX/XXXX/XXXX debt collection letter I received from American Medical Collection Agency contains illegal bullying tactics in that it has the phrase " Credit Record Reporting ... ..Credit Record Reporting '' printed in multi-color ink running vertically along the right hand side of their letter multiple times. As you know, Federal Law does not allow for the credit reporting of illegitimate medical debt, and such reporting can also not be attempted by law until at least 18 months from the transaction date.
On  XXXX   XXXX , 2017, I contacted   XXXX   in reference to {$200.00} collection debt that is placed on my credit report. The amount was  XXXX  out by  XXXX . I contacted   XXXX   XXXX   XXXX   .  on  XXXX   XXXX , 2017 and spoke with   XXXX   XXXX   XXXX   to have the negative entry removed from all  XXXX  credit bureaus.   XXXX   XXXX   XXXX   asked me to email him proof of the returned equipment and he was going to rectify the problem, No change was done. I sent another email on   XXXX     XXXX , 2017 and received no response.
On XXXX XXXX 2017 I sold a pair of sneakers on XXXX for {$670.00}. The buyer paid through PayPal. I had enabled two ways for the buyer to receive the item ( local pickup and shipping ), the buyer preferred local pickup. After the person picked up the item he reported to his credit card company that he did n't authorize the transaction. PayPal then took the money out of my account. After I showed them proof that the buyer did indeed receive the item ( he left a message on XXXX saying " thanks for the shoes '' ) PayPal said that they would help me in getting my money back. Today XXXX XXXX 2017 PayPal said that the credit card company ruled in the buyers favor. PayPal said that they can not offer me any sort of protection because I used the local pickup option. My problem is that I was not notified/made aware that selecting this option would strip me of my seller protections.
I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.
I am writing this complaint in reference to my experience in dealing with the ( NFCU ) Navy Federal Credit Union mortgage department in regards to trying to refinance my mortgage home loan with this bank ; I have terrible bad customer service since I started this whole process. I had tried to go through Navy Federal credit union when I was first trying to get my house and the first time I had the same bad customer service I had wrote to the bank president XXXX XXXX about my experience and displeasure and dissatisfaction with the service through the lending department and I received a call from a woman from Navy Federal two weeks after I had sent the letter. I had given her my story of my situation and explained to her that I have not ever expected to be treated so badly in all of my years that I have been banking with Navy Federal and she had apologized and explained to me that should not have happened and highly encouraged me not to get discourage an reapply. I did what she had told me and I wanted to have my mortgage with Navy Federal since I have been with them a long time and I have gotten good service from them ever since I was in the military. When I first began the process with the Navy Federal mortgage department I had again started to get bad service again and the way that I was treated was not so egregious that I had to request to speak with a supervisor and asked to be assigned another loan officer because this person was not proactive and not returning any of my phone calls or answering any of my questions, communication was poor and customer service was horrible. I was assigned another loan officer who I was working with for a short period of time, she advised me that she will be going to another department and that I will be getting another loan representative. I got a new representative and I felt like I was alone in this whole process, the support was n't there. I was the one calling all the time to find out where and how things were going and I was n't getting any of my phone calls returned, at this point I was extremely disappointed because I had given all my financial information and everything that was needed already and I was going through this terrible experience with this institution that I held so highly and referred to as XXXX the best. I believe I was treated rudely and unfairly, I feel like I am being redlined by Navy Federal Credit union and this is totally unacceptable, I believe that when I first complained about the first individual things took a turn for the worse and I was being treated this way for that. I have provided a copy of the first letter that I had sent to the bank president. Navy Federal Credit Union 's mortgage department is not very good at all and especially for veterans which Navy Federal always take pride and says that they are committed to providing quality service and taking care of the member which in this case they have n't and it 's been a total disappointment and let down.
I have contacted XXXX XXXX, XXXX and Equifax on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA laws.
I first began my loan with XXXX XXXX in XX/XX/XXXX ; after which XXXX XXXX transferred my loan to Navient. My original loan was for {$20000.00} and each invoice generated by Navient note " Consolidated '' loan but they do not indicate more information such as the type of consolidated loan. 

After trying to contact Navient this year ( XX/XX/XXXX ) to inquire about my participation in the Loan Forgiveness Program, Navient told me that I could not participate unless I would switch to another federal consolidated program at a higher interest rate and make another 120 payments. As a loan provider, Navient did not take any steps to notify me of the type of loan would not qualify for the Loan Forgiveness Program. Every single statement I have from Navient has not indicated more than my loan was consolidated. Navient had 10 years to notify its consumers but chose not to. My current balance is {$11000.00} however total amount to be repaid is also noted as {$12000.00}. 

In XX/XX/XXXX, I contacted the U.S. Senator 's office to create a complaint and they advised to contact the Department of Education. Dept of Ed evaluated my complaint and then notified me to contact CFPB as a case had been opened against Navient.
I received a letter from this collection agency saying it was on behalf of the XXXX dept of revenue. it looked like a scam, but I called XXXX immediately to verify if it could be real ... it is. I then made immediate action to communicate with XXXX and XXXX for XXXX  XXXX XXXX XXXX and also called this collection agency to inform them i am taking immediate action to resolve this issue with XXXX. The collection agency wont give me any 'grace period ' so I can get this resolved with XXXX and they continue to threaten me. I just found out about this!!! XXXX revenue needs forms from the IRS sent to them to fix this issue and the IRS has my request and states they need up to 2 weeks to get me the response, and then XXXX says they have 30 days to review. the collection agency says they are moving to garnish my wages, issue liens, etc!!! I have excellent credit score and NO history of evasion of any of my responsibilities. In a couple of months this can all be resolved .... and in a couple of months this collection agency can do me great harm.
XXXX XXXX staff had incorrectly advised me to request my bank to stop a payment made to XXXX. Had I followed the advice, I would have become delinquent in my student payment and faced dire consequences. 

On XX/XX/XXXX, I called XXXX to resolve issues with Public Service Loan Forgiveness ( PSLF ) program. It is my understanding that all payments made through an income-based repayment ( IBR ) program while engaged in qualifying employment would count toward the PSLF program. Although I believe that I had made three qualifying payments under the PSLF program, XXXX had only counted two of my payments. During the XX/XX/XXXX call, the customer service representative told me that XXXX most likely made an error in not counting the third payment. The representative promised to have XXXX staff review the contested payment to check if the payment should have counted. 

On XX/XX/XXXX, I called to follow up on XXXX 's review process. A different customer service representative told me that my contested payment definitely would not have counted toward the PSLF program, as the contested payment was unnecessary and not part of my official IBR payment plan. I then asked if I could have the contested payment refunded, but the customer service representative simply advised me to have my bank stop the payment. 

Later on XX/XX/XXXX, I called to speak with a third XXXX representative to confirm that my contested payment was not part of the IBR program and thus would not count toward PSLF. I was then told that my contested payment was still pending review, and the second customer service representative was not authorized to determine whether the contested payment counted. I also found out that, regardless of whether the contested payment counted toward PSLF, the contested payment would have been due shortly after the time I paid it. The third representative informed me that, had I requested that my bank stopped the payment in accordance with the second representative 's instructions, I would have been delinquent in my payments.
I recently requested an investigation on my credit report for XXXX separate items you 've come back on the XXXX and claim that you have verified that all XXXX belong to me which I find extremely odd considering that none of them belong to me the first XXXX is XXXX XXXX XXXX account number XXXX the second XXXX is XXXX account number XXXX how is it possible that you were able to verify that these accounts belong to me if you look at my credit report if you look at all three credit reports it is very clear that I was a victim of identity theft there are alerts and freezes on my credit report there are warnings about variations of my social security number being used there have been addresses that I have never lived at for example like XXXX XXXX where they have mailboxes that I do n't have XXXX at so of course they 're able to verify some basic information of course my name possibly the address things like this if the Criminal Who open these accounts did n't have the majority of the basic information he would n't have been able to open the accounts to begin with I mean there 's even been police reports filed and investigations I want a detailed explanation of how you came to the conclusion that these XXXX accounts belong to me I want to know all the identifying information that was used to verify these accounts because they do not belong to me they were open by someone else not myself and I am not liable the third account is the public record in XXXX Michigan case number XXXX this case is a little bit more complicated the credit card that sued me was for a furniture store once again the account was opened fraudulently XXXX XXXX the company everybody agrees at this point and the Judgment has been vacated this should not still be showing up on my credit report again if you have verifying information that it should I want a detailed explanation of everything that was provided to you by law I 'm entitled to this explanation if you 're unable to provide an explanation that I expect all XXXX of these accounts removed immediately they do not belong to me
My XXXX loan XX/XX/XXXX. {$54000.00} XXXX sold to Navient XX/XX/XXXX my XXXX loan, sold to Navient was {$53000.00}. 
Today, XX/XX/XXXX my Navient loan is {$53000.00}. 
In Sixteen Years, I have had various sums of money taken automatically out of my checking account every month. Maybe 3 or 4 mixups during the changing from XXXX to navient. Can some one tell me why?? Why not one XXXX of my principle has gone down in Sixteen years. 
When my daughter XXXX XXXX XX/XX/XXXX we looked toward our lender for help and guidance as to what was the minimum payment we needed to make in order not to be turned over to a credit bureau. We were told to go on a forbearance. We followed their instructions. I believe during that time, XXXX took advantage of me and my family. Can it be possible that I have GIVEN XXXX of dollars to XXXX and Navient, and have not brought my principal down????
We put our loan with Primelending on a biweekly pay in order to pay off our loan faster. While on the phone they told our payment would be processed when received. It has not been. They then sent us supporting paperwork telling us that the half payments would be held and not applied. We called today once we noticed this and they said they hold the payments till they have a full payment. They said that them holding our half payments would make no difference in paying off our loan faster.
I have been attempting to resolve this issue for almost a year wit h Walmart ag ent Synchrony Bank. My card was compromised   XXXX   of 2016   with charges from  XXXX  and  XXXX . After contacting Synchrony on numerous occasions to resolve the issue their solution was to refund the charges and re-issue the card. Since these charges were setup as re-occuring charges the charges were not blocked but rolled over to the new card. My credit card continued with the roll over because their outdated rule do not have the ability to block these charges. After  XXXX  re-issues, I personally called  XXXX  and they stopped the charges and told me if Synchrony had rejected the charges they would stop. The problem is I can not find a single number to call  XXXX  and any written correspondence requires account information which I do not have since I never had one. Now the charges appeared again, my account was blocked from usage again and a  XXXX  new card issued. Since everytime I call the number on my card it says " Thank you for calling Walmart credit card services '' I have to assume th at Synchrony is the agent for Walmart. T his is important because if that re-occuring charge appears on my  XXXX  credit card I will file a civil suit with a jury request against both companies.
I have been reporting fraud charges to US Bank that have occurred repeatedly over the past 16 months. This occurred with five cards. Four of the five were US Bank cards ( one personal checking debit, one business checking debit, one business credit card and one personal credit card. The fifth card was with XXXX XXXX ( a personal credit card ) and they have been responsive and making efforts to reverse the charges. I have filed several reports with US Bank, met with bankers, spoke with branch managers, spoke with the corporate fraud department, and finally, two superintendents in the fraud department. Each time, I was starting over with each representative because they told me that they do n't have the adequate information to process the cases. What little was processed, was mostly reversed and they charged it back to my cards. 
These transactions were obviously fraudulent. They did not match my spending habits. 
The suspect was repeatedly doing ATM transactions from my credit cards, often times on a daily basis, for the max of {$500.00} each time. I was in the hospital for extended lengths of times on various occasions and I can prove that it would not be me making those withdrawals. I have submitted a police report, statements with the fraudulent transactions highlighted, a break down of when I was an inpatient in the hospital and the police have videotape of the suspect. He is also being suspected as the person who broke into my home, stole my car and my mail, as well as opening a credit card in my name from a " pre-approved '' application. 
This fraud is currently exceeding $ 32K and the bank not only is refusing to deal with me on these claims, they already shut down my debit and credit cards ( without notifying me ) and then they sent me a certified letter today letting me know that they are closing down my accounts completely and they will no longer do business with me. This is a bank where I have done reputable business for over 15 years, without any previous issues. 
My most recent communications were with " XXXX '' in US Bank corporate fraud department at XXXX XXXX in late XXXX and then I was later referred to a " XXXX '' at XXXX XXXX. The main number for the fraud department is XXXX. I have also followed up with my local branch office in the past two weeks with XXXX XXXX, XXXX XXXX ( both supposedly branch managers in the XXXX XXXX, MN office ) and XXXX XXXX. All were unable to assist me further. I also contacted " XXXX '' in the XXXX branch in XXXX. He is now out of the country, so nothing has been accomplished with that either. 
I completely disgusted that the bank never made an effort to contact me when they suspicious charges started occurring. When I was in the hospital, I was unable to closely monitor my accounts. These transactions have also cost me withdrawal fees, overdraft fees and an enormous amount of interest. Not to mention that it has drained me financially and it has ruined my credit score. I need some assistance with resolving this matter.