WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America granted a home equity loan on my property on XX/XX/XXXX with an appraisal and full underwriting requirements met. In XX/XX/XXXXthey notified me that the account would be blocked and they would only accept principal payments and interest. They would not re-advance any funds to the original loan amount. I had paid over {$8000.00} additional principal by XX/XX/XXXX ( I have paid and additional {$16000.00} since then ) and none of this I could use if ever I needed it. I was told I could get it re-instated if I provided comparable sales information to refute their claim of a value drop of 44 % in one year three months. Insurance, city assessed value, first mortgage holder, all have increased value or stayed the same. Now BOA say I can only be re-instated if I go through the entire underwriting process and have my rate increased. 
I went to another bank to replace the BOA Equity line and they agreed to loan it to me. My problem is that Bank of America says that because they had it in their original agreement with me that they want {$450.00} penalty to allow me to pay it off in total. I was never late on this or in any dealings with BOA, I have savings with them but even though they will not fulfill their obligation under the loan terms they expect me to have to pay a penalty. I think they should either waive the penalty or live up to the terms of the original loan. I have sent a letter to their executive relations department in North Carolina requesting this solution and I await their response. I spent over three hours with 6 of their customer service department, only to be told that nothing can be done because it's " policy of the bank ''.
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
I have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are XXXX and Experian. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.
I do n't remember this credit card to be honest I receive a letter from the XXXX saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be XXXX for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was XXXX before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
School : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. 
I have multiple private student loans with JPMorgan Chase. Approximately a year before this incident, I received notification that servicing of these loans was being transitioned over to XXXX XXXX XXXX ( XXXX ). XXXX of these loans came due in XXXX. XXXX sent a notification of the loan coming due via email on XXXX XXXX. I called on XXXX XXXX to ask about deferment/forbearance options. XXXX sent me a form for forbearance that was the wrong form ( it did not apply to my situation in the slightest ). At this time, I became busy with many other things ( I an an XXXX working XXXX hours a week and I have XXXX other student loans I 'm following ) and forgot to call back regarding the form. 

XXXX sent no additional notifications that the loan was due, past due or about to default - I received no calls, emails or mailings regarding this. ( With every other loan servicer I have ever had, I have received multiple calls, emails, and/or mailings warning me of past-due accounts. ) On XXXX, the loan apparently defaulted and was sent back to Chase for servicing. I received a 'notice of acceleration ' from Chase stating the following : '' You are in default of your student loan contract. We previously advised you to cure the default [ in fact, neither they nor XXXX 'advised ' of anything - I received no notifications/warnings whatsoever regarding a past-due account or default, only receiving an email from XXXX on XXXX XXXX stating that the loan was coming due ] and you have not done so. '' They go on further to state that the entire balance of {$33000.00} is being 'accelerated ' and is now due. 

This default *did not* occur because I do n't have the money to pay on this account - I can easily make the original $ XXXX monthly payments and told Chase that I would be happy to make these when I called regarding this 'acceleration '. They refused to accept the monthly payments and are demanding the full balance be paid now. 

Out of the XXXX student loan accounts I have, this is the only one that is past due or in default. I simply want to be able to make the original monthly payments on it.
Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.
To begin with, the complaint is two-fold. One, Portfolio Recovery Associates have been calling me multiple times at my place of employment. I had told them several times that I am at work, and I can not be on the phone. Portfolio Recovery Associates have been calling me at work to discuss an old XXXX XXXX Account and XXXX   XXXX Account. On XX/XX/2018, I have contacted Portfolio Recovery systems to see about the XXXX XXXX Credit Card debt that is in my name, and to provide a resolution to resolve the accounts. Portfolio Recovery informed me that they can not resolve the account with the first amount that was being discussed to resolve the account. They then informed me that they can only resolve the account for {$390.00}. I have informed them that I am unable to resolve the account for that amount, and to see if they can work out a resolution. I informed them that I will contact them later to see what can be done. I contacted them later on that day. They informed me that the amount can only be {$390.00}, and a manager signed off on the agreement, although I have never made a verbal nor written agreement for that amount. Originally, the amount was {$660.00}, then it changed to {$650.00}.
On or around XX/XX/XXXX I submitted a Citi Price Rewind request for a XXXX XXXX console that I purchased on XX/XX/XXXX for XXXX plus tax. The advertised price I found was on XXXX for XXXX plus tax. The lower price included the date, website screen shot, item description, and sales price -- all of the information listed as required by the Citi Price Rewind Terms and Conditions. The response I got back was that my request was denied because they could not find a lower price -- despite the clear evidence that I submitted to them.
My Bank of America checking account was overdrawn by {$150.00}. 

I deposited a check on Thursday XX/XX/XXXX in the amount of {$3000.00} to  cover the overdraft. I also made an online payment that evening for {$2400.00}.  Typically the availability of funds allows {$300.00} to be available immediately and the remaining amount of the deposit of a local check up to {$5000.00}, to be  available the next business day. 

I expected nothing different on this occasion. I made the deposit at a Bank of America ATM before XXXX EDT. In the process of making the deposit I did not receive any special alerts of any kind. I did not pay any attention to the receipt I just put it in my pocket. Later that evening I checked my account online and realized that a ten ( 10 ) day hold had been put on the check I deposited. 

I called bank of America customer service and was told that the system automatically put a RISK hold on the account and that no person could remove that. The customer service person did not know exactly why. 

On Friday XX/XX/XXXX, I deposited an additional {$2000.00} in cash into that checking account so my balance was now at {$4800.00} An online debit that I had initiated on Thursday XX/XX/XXXX for {$2400.00}  hit my bank on Friday XX/XX/XXXX and the item was returned and a {$35.00} NSF fee was charged to my account. 

I called Bank of America again on Saturday  XX/XX/XXXX and spoke to XXXX from WV and then his supervisor XXXX. They both echoed that no one at the bank could remove this ten ( 10 ) day hold. XXXX further advised that the notice I received on my receipt AFTER the ATM deposit was made, was all that the bank was legally required to do to inform me of the hold. 

I reminded XXXX that if I was in the branch a live teller would have let me know of the extended hold before I deposited the item ( therefore allowing me to decide if to deposit the check at this bank or not ). I pointed out that the ATM gave me no such alert during the ATM deposit process and therefore I needed to have the situation addressed and resolved. I advised her that for such a large bank with over thirty ( 30 ) million customers, this was an unacceptable situation and asked to speak to her manager. She confirmed that nothing could be done by ANYONE in the bank and apologized for the INCONVENIENCE. 

It is unacceptable that of the thousands of banks and credit unions in this country, one of the 4 XXXX   dollar banks in the USA, with ten of millions of customers could have automated, electronic protocols that are completely insensitive and unresponsive to the needs of live human beings. 

This needs to be resolved.
experian keep reporting wrong information on my report i have contacted them many times about XXXX XXXX  XXXX acct # XXXX this account has been paid in full with no balance but they keep showing a balance and saying its been certified by the company as accurate which i know experian is not telling the true because the company gave me a letter to send to them and they yet still say the information is accurate also acct # XXXX with XXXX XXXX XXXX is close and they still showing balance when i dispute items on my experian report they always say the item have been certified as accurate they are not checking the information to see is it accurate or not i am tired of fighting with them about putting miss leading information on my report i have support ducments
I was alerted of a collection on my credit report. I have never received a bill or notice. I called them to dispute this item and they have not responded. I do not know what this bill is or why it is on my credit report. The original creditor would not talk to me or give me any info about this debt. The name of the company is Doctors business bureau. XXXX Fl. XXXX. The original creditor is XXXX XXXX.
I was late with my monthly payments ( 4 months ) but always informing SHELLPOINT MORTGAGE SERVICING who were saying they will help and find a solution. I kept contact. Im XX/XX/XXXX They offer me a trial period to avoid foreclosure ( Streamlined Modification Solicitation letter ) starting XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and said if i honored the 3 payments the will come with a modification plan. <P/>I made sure i sent my checks before each due date and controlled checks on my bank account were debited accordingly. <P/>XX/XX/XXXX i called them ( again ) to know what s going to happen in XX/XX/XXXX. That is when they told me they never received my XX/XX/XXXX payment. Since i sent them twice the proof they cashed my check. they are now telling me this morning my file is in Foreclosure. They never replied to any of my email or try to established live contact with me
XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.
I had a old account with usaa that was negative XXXX. I opened a new account and the money XXXX dollars I put in that account was taken to Pay part of my only account, which brought my balance to XXXX. A week or so later I had a direct deposit for XXXX go into my new account and I was told by someone that it was going to be held for 24 hours so they can take the money I owe and then he rest will be available for my use. Later I found out it would be 3 business days. This was told to me on a Thursday and again someone told me the funds would be available by Wednesday. I asked why all my funds were being put on hold when only a small amount of those funds are needed to bring my old account current. They said it 's just their procedure and here was nothing they could do. The next day I had a bill that I had already pushed back a couple times that I was going to pay with that money and I  explained this to multiple people that I needed that money. They could keep the money I owed them but to please give me the rest of it so I can make my payment and avoid reconnection fees. Again I was told by multiple people sorry nothing I can do and even if I closed my account I could not get my money out til the following week.
I took out a {$1000.00} pay day loan which was received on time, However after I reviewed the documents for the repayment of the loan, I saw they were charging me 790 % interest. the total pay back amount is {$4100.00}! I should have looked better, that is my fault, but I thought there were laws that pay day loan companies only could charge you so much interest. I would not have agreed to this if I would have known.
In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.
There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.
Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLC. To date, Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX dollars in fines and penalties due to their unlawful business procedures, which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative a remark, which includes myself. Please remove Midland Funding LLC from my file ; you can also see that I am apart of a class action lawsuit against Midland Funding LLC and Midland Credit Management. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.
I used my 2006 XXXX XXXX as collateral for a loan with Springleaf now  know as OneMain Financial. the initial loan with the collateral was only {$2000.00}. When subsequent loans were made, OneMain will always attach the vehicle as collateral. They kept piling loans on the worthless collateral to the tune of {$8000.00}. I have never missed a payment with Onemain Financial. 
The vehicle is 12 years old with XXXX miles and worth nothing. I have tried to sell the vehicle to pay down the loan but no one would buy it. One Main agreed that if someone buys it for {$2000.00}, they would release the title to them. Unfortunately the vehicle has broken down for 2 months now and there is no way Ioan sell it. The cost for fixing the problem is {$3000.00} and not worth since other problems may come up. I do not want to throw money into it so I have decided to give it out for donation. I do not have space to store it and the mechanic is also asking that we pick it up as they dont have space for storage as well. 
I visited my local OneMain to discuss a solution since they had agreed that something could be done. However all attempts to resolve the matter so we get the vehicle donated proved futile. 
I even offerred to pay {$500.00} but that was rejected. The only thing they would do was to remove the insurance off the vehicle. 
The fact that all other loans were forcefully put under this collateral knowing very well the value of this vehicle is predatory and causing unnecessary hardships for me
I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from XXXX and XXXX. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.