WillisBack/dataset-financial-user-claim huggingface dataset:
A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.
Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
On XXXX XXXX, 2017, I filed an application over the phone with Wells Fargo home equity for a HELOC. I applied for a HELOC over the phone with XXXX XXXX. Unfortunately, there were errors in the application that I have now found out about today when speaking with an extremely unprofessional, unhelpful and incompetent loan specialist, XXXX XXXX ( License No.  XXXX ), out of the XXXX XXXX XXXX office. XXXX was not able to answer many of my questions and revealed that very much of the information provided in the application filed by XXXX was incorrect. XXXX made incorrect statements about the HELOC product structure and underwriting guidelines. I have no confidence in the entire application process. After filing on the phone, I should have immediately been provided a copy of the application for formal approval in writing or electronically PRIOR TO submission to underwriting. I believe there have been violations of federal disclosure laws. As it stands, I still have not signed in writing or electronically a formal application to Wells Fargo, yet they have made a hard pull of my credit report from reporting agencies. 

Unfortunately, as noted above, XXXX was not familiar with XXXX XXXX and XXXX XXXX guidelines regarding many of the questions in the application. The Wells Fargo application via phone process is fundamentally flawed. You have people not qualified filling out applications, which are then not forwarded to the applicant for review prior to submission to underwriting, which allows for many potential mistakes and outrageous underwriting errors. Then, you have " loan specialists '' communicate underwriting decisions, but these specialists also are not fully informed and giving out incorrect information. This whole process is a DISASTER! I funded my last mortgage with Wells Fargo, but will NEVER bank with Wells Fargo again. I am closing all my current accounts with the Bank.
I received several collection notices from XXXX ( XXXX  XXXX XXXX ) and responded immediately to dispute the alleged debt. I asked for the documentation relating to the alleged debt ( actual bill, signed copy of any document that obligated me to become indebted to the creditor, proof that XXXX owned the debt, and registration and licensing documents showing they are registered with the State of Florida to lawfully collect debts in the State of Florida as required pursuant to Florida Statute 559.715 ). XXXX refuses to send the documents, including the licensing and registration documents showing they are legally operating in the State of Florida ( XXXX is located in Ohio ). XXXX has admitted they don't have the licensing or registration in the State of Florida. 
In each of my responses to XXXX  I continue to ask for the above mentioned documentation yet they refuse to produce them. 
Can you please look into this company 's practices. Thank you
I disputed a charge that was incurred in XX/XX/XXXX by a hotel in XXXX. The hotel charged 100 % of their fee for not showing up. My email confirmation of the reservation stated that I was only responsible for 50 % of the charge. I called Bank of America credit card dispute department and they promised to look into it. On my next credit card statement I received a credit for the overcharge. I thought that was the end of it. I then received a letter from Bank of America dated XX/XX/XXXX requesting more information about this particular charge. However, that letter dated XX/XX/XXXX arrived in my mail on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I sent in the information they requested the following day : XX/XX/XXXX. Obviously they did not receive the response by their deadline which was due to no fault of my own giving the date I received the request for more information. Because they did not receive the response by their deadline, they refuse to arbitrate on my behalf.
The XXXX XXXX Hospital sent me to collections for {$750.00} for medical services that was not provided to me on XXXX XXXX, 2011. I was never seen in that hospital. Also, XXXX XXXX XXXX XXXX is sending me a bill for {$50.00} for services for XXXX XXXX. I never received any care or services in these mentioned facilities. I want them to correct this matter.
My Perkins loan ( under my maiden name XXXX XXXX ) just got moved to XXXX XXXX in XX/XX/XXXX. I am and have been a XXXX XXXX   XXXX since XX/XX/XXXX and my loan is supposed to be forgiven because of this. 

I have filed paperwork 4 times and made at least 3 phone calls to Heartland since XX/XX/XXXX. They always reject my paperwork and have made it impossible to get my cancellation and deferment. 

I continue to get bills and continue to file paperwork. Everytime I call and ask why I'm getting a bill they find some problem with my paperwork the previous person I spoke with did not tell me. 

I have a XXXX XXXX and am moving right now. I do not need bills coming that I do not have to pay. I'm holding up my end of the deal but XXXX XXXX is not. I never had this problem with my last loan servicer. I just want my loan to be forgiven as promised to me when I made the decision to accept it from the government. I never wanted to work with Heartland and would like this to end now.
Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.
CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO
To whom th is may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (  XXXX , Experian,   XXXX    )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Bank card made unauthorized withdrawals over years. We only discovered it when we began questioning an unknown XXXX withdrawal.
i have filed 2 complaints on bank of america, now they have sent a {$27.00} return check fee to regulatory complaint servicing ( a debt collection agency ), who i can not reach because i could not hear the employee ext. # given by XXXX XXXX who called me on XX/XX/18 at XXXX XXXX. There # is XXXX I HAVE A XXXX BALANCE, THIS {$27.00} HAS BEEN CREDITED TO MY ACCT. I WANT BANK OF AMERICA TO CONTACT XXXX XXXX AND CORRECT THIS EVIL THEY ARE DOING TO ME. 
I CAN NOT REACH HIM BECAUSE I DON ' T HAVE HIS EXT # I CAN NOT BELIEVE THE EVIL SCHEMES OF THIS COMPANY, THIS IS A NEW LOW. PLEASE HELP ME. I WAS ENRAGED WHEN I REALIZED WHAT THIS COMPANY WAS DOING TO ME AND I TOOK IT OUT ON THE CS AGENTS, SO THIS IS THERE REPAYMENT. I WILL STOP THIS DEMONIC GAME RIGHT NOW BY APOLOGIZING FOR MY BEHAVIOR, BECAUSE I DID JUST WANT
EVIL WANTED ME TO DO, SHAMING MY LORD & SAVIOR XXXX XXXX. BUT HE WILL WIN, BECAUSE I FORGIVE.
On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
I have a student loan with Navient. My mother signed as my cosigner to help me get a lower rate. I am able to make the monthly payments, but I would like to enroll in some form of graduated plan, which is common, or to take advantage of Navient 's offer to make interest only payments for the first year. However, Navient has informed me that I can not take either route because of the financial status of my cosigner. Since she is able to make these payments, I can not set up a graduated payment plan or make interest only payments. 

This makes XXXX sense to me. I have an agreement with Navient to pay back my loans, which is what I am trying to do. My cosigner only enters the picture if I am unable to make my loan payments. My cosigner 's financial status should not affect whether Navient allows me to set up a graduated payment plan or make interest only payments.
I recently went to cash a check at a XXXX, MA branch of Bank of America. It was a BoA check made out to me. They asked for my photo ID, which was reasonable, which I provided. They then stated that in order to cash the check, I would need to submit to fingerprinting. There was nothing on the check stating that in order to cash it, I would need to submit my biometric data to a corporation. I felt that this was an unreasonable breach of privacy and offered to provide a great deal of other ID that I had on me such as credit cards, driver 's license, social security card, etc but nobody would cash my check without a fingerprint. I should n't have to be made to feel like a criminal for simply trying to cash a check from that bank without having to submit my biometrics. I would like to see the CFPB pass a regulation forbidding this practice as it is an unreasonable breach of privacy in order to accomplish a task so mundane as cashing a check.
To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX.

The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.
I am enrolled in Barclaycard hardship program for account ending in XXXX, a XXXX set up payment plan which includes a payment due on XXXX in the amount of XXXX, which has posted and processed. Payments in the amount of XXXX are due on and scheduled for the XXXX of the month. However, the payment amount due is XXXX on XXXX and a late fee was charged on XXXX in the amount of XXXX. Under terms of the program interest rate is supposed to be adjust as well as late fees waived. It appears this was not done.
: Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?
Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.
I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue 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 Sue 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.
I make payments that cover my accrued interest plus some. I just noticed on my statements that Navient says I accrued over {$1000.00} in interest in five days two times in XX/XX/2018. There could be more, I have not gone through all of it. I keep track of my payments and accrued interest on my own spreadsheet and have asked them to explain and provide documents to show how that much interest accrued in five days. Nothing yet.
I have disputed this Capital One Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this XX/XX/XXXX to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX XXXX XXXX. They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by capital one all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said Capital One and XXXX XXXX XXXX is reporting it this way. So they are giving me the run around. I am at a dead end because they are not following the FCRA Regulations. They have different information on all XXXX reports showing information that is clearly not proven with any documentation or the reports would match one another. 
Bottom line, Capital One sold this debt when they were told to delete it by the credit bureaus because they could not provide the information necessary to satisfy the dispute. They then went on to sell it months later and told XXXX XXXX to report that it was sold to them XX/XX/XXXX. XXXX XXXX XXXX is now violating FCRA regulations by reporting false information and incomplete information without any documentation that has been requested numerous times. They are acting reckless and negligent to my family and I financial situation and hardship. This account needs to be deleted from all credit bureaus immediately.
They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.
I have disputed the late payments on this XXXX LOAN XXXX for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX
Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???
COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA
I applied for a home loan through Bank Of America since i have all my business and personal accounts with them. This mortgage process was started approximately 6 months ago. My specialist, XXXX XXXX, was very difficult to deal with and on multiple occassions would not reply for days to emails or phone calls. I stayed patient and after sending all required documents received a pre-qualification for a conventional loan of {$110000.00}. After i received the letter i began my search for a new home. After finding a new home that was within my budget i entered into an agreement on said property. The process was difficult and the seller would not budge on the price. I contacted XXXX and relayed that we may have to terminate the contract, but to wait for 48 hours as we might be able to come to an agreement. She agreed and the following day the sellers decided to reduce the price. I contacted XXXX and my realtor gave documents related to the price change. However, we found out that she deleted all of the documents given to her for the past few months. Yet, i stayed patient and resent all documents. Inspection and appraisal complete on the property, i contacted her once more. This time she demanded i send her XXXX tax reports for my business and personal or she would terminate my contract. I quickly contacted my accountant who informed me that my XXXX tax documents had an extension and wernt needed as my approval was given before these tax documents were needed. She quickly changed her tone after talking to my accountant and requested other documents from my accountant, which he gave to her in a timely manner. My last day for due diligence on the property i was purchasing was XXXX/XXXX/XXXX. For the past 2 days before this period ended i tried contacting her through email and phone multiple times to no prevail. On the last day she contacted me to let me know they had terminated my loan for no exact reason. I dealt with incompetence for months on end, sending and resending the same documents, handling all information as fast as i could while there was absolutely no transparency from the lender. i have retained all email conversations from her as evidence of incompetence. Days going on with no reply, no reply or calls back from either her work number or personal number. This experience has been one of the worst in my life and wasted 6 months of my time.