WillisBack/dataset-financial-user-claim huggingface dataset:
This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.
I have asked repeatedly for Portfolio Recovery to send varification of the debt and they have repeatly sent only a statement from the supposed credit card company I owe the debt too. No Varification has been provided. No signature saying the debt is mine nothing. 3 varification letters with the same response and nothing to show the debt is valid. This started in XX/XX/2018.
My identity was stolen on or around XXXX XXXX, XXXX. It was used to acquire a loan or furniture from XXXX in the amount of {$4500.00}. I attempted to work with XXXX to make them aware that the account was indeed fraudulent, but they refused my police report because I would not send them a copy of my credit report ( I did not want them to have my personal information in the first place, they are not a trustworthy company and I do not want them to have my personal information ). I then contacted XXXX and gave them the evidence that they asked for ; XXXX then deemed the account fraudulent and removed it from my report as did XXXX and XXXX. Ever since the fraudulent account was opened I have been harassed by XXXX, up until XXXX of XXXX when XXXX sold my account to a collection agency who has now begun to harass me. The collection agency, Procollect Inc, has now added a collections account to my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX On XXXX XXXX, 2017 this accoutn was placed on my credit report. This is a medical debt. I do have insurance and am looking into the situation after I complete this dispute. According to the information placed on my credit report. XXXX XXXX XXXX XXXX have had this account since XXXX XXXX, 2017 ( 4 mos ). According to law a medical collection file can not be placed on a credit report until180 days.
XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
On XX/XX/2012 a debt was placed with National Credit Systems Inc for a lease with XXXX XXXX apartments. It is a joint account with myself and one other person ( XXXX XXXX ). This is not our debt we never had a lease with the XXXX XXXX. XXXX XXXX has written a formal letter stating we do not owe this debt and the collection still refuses to remove the debt from our credit reports. I have copies of letters, certified mail receipts, and email correspondence proving efforts attempted to resolve this matter. For over 6 years this incorrect information has been on our credit reports preventing us from getting a place to live and ruining our credit,
The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home.
XX/XX/19 Morning- XXXX XXXX XXXX contacted me regarding an unpaid debt from Walmart for approximately XXXX dollars. On this date they threatened to take legal action. 

XX/XX/19 Afternoon- My wife contacted XXXX XXXX  XXXX and asked about said debt and they gave her private information without anything to verify identity including SSN, Pervious address, Full name and date of birth. At this time they demanded a wire transfer of amount stated. 

XXXX- Demanded wire transfer that was told to my wife and wanted the wire transfer number for tracking purposes. I requested a certified letter with Debt lenders information and amount of deft owed to said collector. I was told that they did not have time for that and would sue me using Walmart 's legal Department. Also threatened to put a warrant for my arrest and contact my place of work. 

They continued to contact me multiple times after and I was advised by XXXX XXXX that I did not have to answer calls made by XXXX  XXXX   XXXX. Also that they have to provide a certified letter with Debt lenders information and amount of deft owed to said collector.
ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
Hello, There is a newer mortgage company in the XXXX XXXX area called 'Finance America ' that is now advertising targeting the XXXX market through radio adds in the radio station XXXX, they have had several adds this last week ( XX/XX/XXXX - XX/XX/XXXX ) through the same spoke person XXXX XXXX ' that used to do the advertising for the former well known predatory lender XXXX ' , they are again misrepresenting loan programs and launching un compliant and unfair adds, there is no XXXX information disclosure and no mention of being and Illinois licensee, nor an equal housing lender ; this group of loan officers/ lenders committed multiple cases of fraud before they were put out of business a few years back.
Hello, my problem is with XXXX/ XXXX of XXXX Florida . I moved into my new apartment at the beginning of XX/XX/2018, few months ago. I transferred my XXXX account from prior address to new. In doing so, they claimed I owed them XXXX dollars. I told them I did not. They kept pushing so to stop them I sent the XXXX dollars. About a month later they sent me a check for XXXX dollars, overpayment. After I paid them for the first month, XXXX, I started getting calls for late payment and eventually I was receiving 3 to 5 calls per week from them by humans as well as recorded calls threatening to turn my service off. Even after explaining to the person XXXX received and cashed my check they didnt believe me. By the second month the calls got worse. Again I paid them XXXX for the second month ahead of time but the phone calls got worse. They were claiming I did not pay anything by this time. I went to the bank and got copies of both checks paid to them. By this time they turned my service off. I took their equipment and my cancelled checks to them. They made copies to keep, put the info in her computer and said no problem, this will be the last of the harassment. Now I am getting calls from a collection agency and they dont care it was paid and dont want to hear it. He recommended I pay it again to end it. I do not know what else to do but to file a complaint.
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.
My credit score dropped 60 points due to me paying off a mortgage that was on my credit report for 13 years. Transunion shows this account as closed but did not reflect that it was paid off. 
I contacted XXXX and spoke to someone in a different country that I could barely understand. They stated that I lost that file off my credit report and therefore it was not used in the calculations of my score. I asked the gentleman to send to another Department to file a complaint. He stated that I should send it in writing. Once again I requested to file my complaint by phone. He refused at which time I asked for a supervisor. 

I spoke to another gentleman claiming to be a supervisor but he stated they exact same thing. He stated that they did not allow consumers to file complaints by phone and that I needed to file my complaint by letter. I asked for his supervisor and he told me that he would send me to the United States Legal Dept. 

This was at XXXX XXXX and the call was anserwed at XXXX by the Special Needs Dept. I spoke to a Lady who stated the same thing and that my credit history was not a reflection of my Credit Score. I requested to file a complaint by phone and She stated that they do not accept complaints over the phone. She then placed me on hold and stated that I could file a complaint over the phone. She stated that my complaint had been recorded and I asked for a compliant # for me to research at a later date. She stated that there was no complaint #. After I raised the question of there being no number then she said that there was a complaint # XXXX. I expressed to her that I was filing a complaint with the CFPB and she stated that number would be available for them to find.
I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.
The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE When we were notified of this case, we called you at XXXX on XX/XX/XXXX, and XX/XX/XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
XXXX This is unacceptable AND MORE LIES FROM CHASE This Issue first occurred in XX/XX/XXXX 2018
I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification
I submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.
I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.
There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.
I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ),  so that Navient could continue to earn fees. 

During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. 

During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. 

I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be  counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. 

My current IBR payment is slightly high because I am now full-time which is a different financial situation. 

I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.
a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!
I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. 

I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.
A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. 

The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX  which immediately lowered my credit score by 100 points. 

I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. 

The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).
They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated
Repeatedly calling concerning. a mortgagee there to four times daily. The mortgage has been modified for months. Payments are up to date and when told this, we are told they have no way of knowing this because the computer automatically generates the account as delinquent and they will continue to make the calls.
Medical bill that was already paid. I tried getting a loan to refinance my home and it show as not paid. I called the collection agency and they had no record of me owing.