WillisBack/dataset-financial-user-claim huggingface dataset:
This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.
Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.
My home address was changed by the city. I submited the change to Nationstar, my mortgage company, XXXX years ago. XX/XX/2015 I tried to refinanceand was denied because of a address descrepancy with XXXX . I have submitted XXXX letters from the city and have yet to get my address correctly changed with XXXX. This procedure is called a SURF rquest. Nationstar says they cant even talk interdepartmental to try to resolv this problem. I also contacted XXXX XXXX 's office and my state ( MA ) attorney generals office. That was over a month ago for both. I am loosing about XXXX $ a month by not being able to refinance. Please help!!!
Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status. 

I have a private student loan that has been sold to University Accounting Services ( UAS ). 

I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school. 

I have called the following times to the company in order to resolve this issue. 

XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties. 

I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.
I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.
I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.
I submitted my credit app to XXXX XXXX at XXXX XXXX and told him only submit it to FORD CREDIT ONLY FOR NO PERSONAL GUARANTEE BUSINESS LOAN. He took my app and fraudulently submitted me to tons of banks now preventing me from obtaining credit anywhere due to HIGH AMOUNT of inquires. This is anti trust and Ford is offering other companies with similar credit to my business loans. Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. I never gave permission to send application anywhere accept Ford. And ford forced me to go to dealer to submit commercial application. They are responsible. Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer financing fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms. Please see attachments for XXXX XXXX Whom ford never had permission to Submit credit to.
I filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.
A 3rd party collection agency that XXXX XXXX hired, had received the required payment as requested on a written agreement ( half of the {$890.00} owed ). In receiving this agreed amount, the company stated the account is consider fully paid and closed. Yet, XXXX XXXX still continue to report on the account and attempt in collecting.
I took out an education loan for my son while he was attending the XXXX XXXX XXXX XXXX. The loan went into default. I was sent an email from the U.S. Department of Education on XX/XX/XXXX regarding my XXXX XXXX XXXX " The U.S. Department of Education recently recalled your defaulted student loan account from XXXX XXXX XXXX 

You can now make payment arrangements without paying additional collection costs, but you must call us before XX/XX/XXXX. '' This was the only communication that I received from them regarding this matter. I didn't get a letter nor was a message left on my phone. I didn't get this email until today, XX/XX/XXXX. 

However, they quickly sent this to collections with F.H. Cann. I received a letter dated XX/XX/XXXX which I didn't received in the mail XX/XX/XXXX. 

This could have been avoided if the U.S. Department of Education had given me reasonable time to contact them. Nor was I ever informed about the XXXX XXXX XXXX XXXX XXXX. I worked in public service for the County of XXXX for 31 years. I retired in XX/XX/XXXX. My husband had health complications which continues to today. In addition, the former servicer for my loan refused to send any documentation I asked for in writing. His response was " Because we don't send anything in writing. '' I am disputing the additional costs that have been tacked on to this loan in the amount of {$1900.00} for legal costs plus any part of this loan which should have been forgiven under the XXXX XXXX XXXX XXXX XXXX. I can resonably make $ XXXX payments for balance.
Seed Consulting LLC. ( known as XXXX XXXX ) partners ( works ) with a crook Company named XXXX XXXX XXXX. and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me.

A year ago I trusted XXXX company and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX XXXX programs and in return charge/gain almost {$4000.00} in commission.

As a result of their partnership, I am under {$60000.00} of debt in credit cards that I am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months.

At the moment, there is a legal case taking place against XXXX XXXX in a federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it.

( XXXX  ) XXXX XXXX was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission.

To me XXXX XXXX is as predatory as XXXX XXXX, Because without XXXX XXXX, XXXX XXXX   would have been powerless and would not be able to prey on innocent people who believed in them.
The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.
I have continually received calls from Transworld Systems about a debt that was paid before it was sent to collection. We found out I was in collection when I received the first call last year. I explained to the XXXX, rude person that debt had been paid. I sent by email a copy of the online banking records. The calls went away for a period of time, only to start again. I have again explained that bill was paid, records were sent and told basically I was a liar. They are calling everyday now. 
I want it to go away. We pay our bills and deserve to be treated as such
I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.
The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.
My wife and I made purchases on a Best Buy Credit Card account. In XXXX charges were added monthly based on our carried balance for " XXXX XXXX XXXX XXXX. '' We did not knowingly purchase this service, and the total amount charge was approximately {$1500.00} over the period from XXXX XXXX, XXXX through XXXX XXXX, XXXX. We asked for a refund of these charges when we became aware of them in XXXX, but Best Buy Credit Card refused to refund these charges. We believe these charges are not proper, since we did not purchase the service knowingly. We did not realize that the charges were there until my mother-in-law reviewed the credit card statements with us.
I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.
on XX/XX/XXXX XXXX writes to XXXX XXXX XXXX for a payoff of the XXXX XXXX account. This was due to the fact the property being insured had a lien on it at the time. On XX/XX/XXXX XXXX XXXX response was sent. The problem was that XXXX XXXX XXXX closed on the wrong account. That meant lien was still on home. XXXX did not catch the mistake. 
Embrace Home Loans has the XXXX XXXX account on the liabilities page listed for unpaid balance of {$1700.00} for this account. This was false because the amount at the time of closing was actually around {$9900.00}. XXXX XXXX XXXX Closed an account named XXXX for {$1700.00}. In actuality the XXXX XXXX account had a balance of close to {$10000.00}. The XXXX account was also an account closed previously before the time of close when I called to verify. XXXX was closed XX/XX/XXXX. XXXX XXXX XXXX never closed the account on the Liabilities page provided by Embrace Home Loans the account was listed under XXXX instead of the XXXX name. The account numbers matched however. 
Embrace Home Loans failed me once again by not providing accurate information on the liabilities page at the time of closing for refinance of home loan. The Truth in lending prohibits this type of conduct. My accounts information was not reported to me correctly at all. 
XXXX did not XXXX check the accuracy of the account being closed. Due to the Negligence of the Embrace Home Loans and XXXX XXXX XXXX my bank account got frozen and later seized for the amount of {$4700.00}. To pay off this lien that was still on property with out my knowledge. XXXX XXXX XXXX did not properly pay off the right account and Embrace Home Loans did not disclose the right amounts for the accounts either. Title insurance protects me from fraudulent transfer of dedd to me and from title defects that are not disclosed to me int he policy. The property was indexed improperly due to the post closing mistakes that affect my ownership of the property since it still currently has a lien on it. Due to the encumbrance on the property of {$10000.00} or more the Deed OF Trust is NOT TRUST WORTHY. 
I demand response and resettlement of this issue immediately. 
XXXX XXXX XXXX has since transferred rights to the XXXX XXXX account to XXXX
On XX/XX/XXXX I did a mobile deposit to mt account at bank of america. 
I deposited check XXXX from XXXX XXXX XXXX Bank for {$1800.00}. 
The check was made payable to XXXX XXXX. 
The check originator was XXXX XXXX. 
The money remained in my account for 64 days. 
On XXXX XXXX I received notice from bank of america that a debit adjustment duplicate item, reversing deposit made on XX/XX/XXXX in the amount of - $ XXXX immediately called bank of america XXXX After many weeks of phone calls and escalating to there XXXX number, I finally found out what happened. 
I place the mobile checks in my desk drawer at work, shredding them after the 14 day hold period. Someone removed the check from my desk drawer and deposited into there account on XX/XX/XXXX. 
Bank of america sent me a copy of the check and it was endorsed by an individual I do not know. 
A XXXX XXXX wrote, " pay to the order of XXXX XXXX " on the back of the check and than signed my name next to it. 
He deposited into his bank of america account. 
In talking with many people at bank of america, they say there is nothing they can do, I did not secure the check. The check was stolen from my desk drawer. 
I have talked with the issuing bank, XXXX in XXXX XXXX and this is what they told me : The funds were deposited to my account on XXXX XXXX per the original check. The funds were in my account for 64 days and than stolen from my account. The check never hit the originators account a XXXX time. XXXX says this is for my bank tsetse with the FDIC. XXXX did report the check stolen at her end, but her bank says the funds went to the intended account. 
Now it is XXXX XXXX and XXXX XXXX is feeling pretty good, he has the funds in his account for over a month and is good to go. 
I am out {$1800.00} based on a fraudulant deposit. 
I have attached a copy of the check in question. 
Bank of America needs to step up and help resolve this and stop quoting there mobile bank policy.I am out the money because I did not present the paper check and the mobile transaction got wiped out. There is a Correction of Errors to the mobile bank process that needs to be done here. 
How do I get my {$1800.00} back? 

From an article in digital transactions XX/XX/XXXX : Most banks have duplicate detections upfront on their XXXX products, '' says XXXX XXXX, executive vice president of the XXXX-based XXXX ( XXXX ), which establishes rules for check-image exchange. " Within the bank, if you try to put in the same check twice, your bank is probably going to stop it. " Banks that exchange check images under XXXX rules or Federal Reserve rules do make warranties to each other against duplicate payments, says XXXX. It 's important to note, she adds, that if a bank does pay on a duplicate transaction, those rules do n't govern which of the banks that sent the check image for payment must reimburse the paying bank. The rules also do n't favor the bank that has the paper check, she says. 

Does Bank of America not have this set up?
I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once
I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.
Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility.