WillisBack/dataset-financial-user-claim huggingface dataset:
I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, XXXX, XXXX.
I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice. 

It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank. 

The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.
I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, if I pay XXXX dollars for a BPO they can then show I 'm not really at the 80 % value they want AND they are trying to advise it 's the Government that is making this decision when it is their choice. This is unfair and deceptive practice.
I received a prepaid AMEX Serve credit card in the mail. I immediately knew something was wrong as it was made out in my maiden name. When I contacted AMEX fraud department, my suspicious were confirmed as the credit card request was made from an email address that I do not have. The email address was XXXX. 
Amex did confirm that the identify thief had my DOB, SS # and mailing address. 
I asked to close the account. It took 6 phone calls to the overseas fraud department and unsympathetic representatives who were reading from a script. At one point, when I asked for a case #, report # or a form of confirmation that the matter was being handled, the rep told me he was sending me a confirmation to the email address were the fake request was made. I was furious! I asked to speak with US representative who could actually assist me. All 6 calls to AMEX fraud department results in hang ups during my conversations. They never gave me a confirmation in writing or a case #. I contacted the credit bureaus and placed a freeze on my credit. American Express is absolutely irresponsible in handling identify theft! I still do not know what is going on with the credit card fraudulently opened in my name with my information! I request to speak with someone in the US office to address this serious matter. I am seeking legal advice if any damage occurs to my perfect credit due to AMEX negligence and mishandling of an identity theft matter. 

Thank you.
They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.
I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.
Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged
I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. My bill was paid when my account was closed in XXXX/XXXX/14 and never get any calls or reclamation from the company just recently.
I just discovered this yesterday : My credit report shows a MI address ; lifelong MA resident. Student loans from XXXX that I was trying to make good on through the DOE, were transferred to service provider XXXX XXXX. They made zero successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
MI address was garnered by XXXX XXXX via XXXX skip tracing XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my car loan financial intitution, XXXX account and still learning more ... 
XXXX is a function of transunion. The address was added to my transunion credit report XXXX/XXXX/XXXX by DOE on behalf of XXXX XXXX collected from XXXX, a division of transunion credit union. 

Transunion ( XXXX ) gave the information to Transunion. They act like I am talking about XXXX XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the DOE. It was until they changed it ... ..XXXX admitted to the practice of providing information that may not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be XXXX XXXX in this case. 

The scam is this : the student loan contracted by DOE makes a singular attempt to reach the owner of newly acquired loans ( occurred to me twice when I moved ). they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you
had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
I am writing right now with wish to obtain your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing superior credit worthiness. You play a vital part in this procedure. I am inquiring about the account number referenced within this complaint. 
I see you have reported me 30 days late to the credit agency 's ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 and I am writing to get this remark took back. I had believe I had made all my payments on time, the only thing I can think of, is actually that my statement failed to get to me in time
I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.
A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.
I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.
I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX? 

Below is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX CO, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
I received notice today by  XXXX   XXXX , that a company called  Stellar Recovery  reported a debt of {$68.00} to both  XXXX  and  XXXX . I have not received any communication from Stellar Recovery about a debt, and, had on  XXXX   XXXX , sent  XXXX  a proof of equipment return in response to a notice from them that I owed them for equipment not returned. I have proof of a receipt from their store with the serial numbers of my equipment confirming it was in fact, returned.     This is not a debt I owed to  XXXX , and it is fraudulent for them to sell this to a collector and even more fraudulent for them to report it to a credit agency without contacting me or verifying the validity of said " fraud ''.
XX/XX/2018 I've repeatedly told Citi Bank that I was a victim of identity theft, I've sent them all the required documentation including a police report, FTC report and Affidavit and declaration of unauthorized use. They are violating my rights according to the FCRA, they should be blocking this account from reflecting on my credit report. This is affecting my job, and other aspects of my life.