WillisBack/dataset-financial-user-claim huggingface dataset:
I originally began the process of closing my checking and savings accounts with Bank of America on XX/XX/XXXX. They were able to close my savings accounts, but the phone representative alleged that they could not close my checking account due to a pending hold. I requested that a complete lock be placed on my account to prevent any further charges from being processed, and the Bank of America representative agreed and confirmed the hold was placed. I was informed that once I had no pending charges for a period of 10 days, I could close the account. At this time they also placed a hold on my account for {$100.00} ( the remaining balance in that account ) in order to " zero out '' my balance in preparation for account closure. 

Two days later, on XX/XX/XXXX, Bank of America permitted a charge through from XXXX for {$39.00}, sending me into a negative balance due to the hold Bank of America placed and charging me a {$35.00} overdraft/returned item fee. Permitting this charge through was in clear violation of the hold I had placed on the account, and seemed to me to be a retaliatory action for attempting to close my checking account by punishing me to the tune of {$35.00}. 

Since then, I have attempted multiple times to have this account closed, attempting to maintain as close to a XXXX  balance as I can while Bank of America continued to allow charges through with impunity despite my best efforts to ensure no further charges would go through. I have had this checking account for many years, so undoubtedly there were going to be a few automatic payments I'd lost track of and wanted to stop with the full lock I had placed on my account. 

Not to mention Bank of America still has an active hold on my {$100.00} final balance from XX/XX/XXXX, preventing me from withdrawing that money and moving it to my new bank. One representative even told me that the " XXXX out my balance '' hold counted as an active hold on my account, constantly resetting the 10-day timer for no active holds in order to close my account. A different representative claimed that Bank of America did not in fact place the hold, while a third representative said that Bank of America did place the {$100.00} hold, but could not say why it was still active. 

Since that hold was placed, I have been subjected to a total of three overdraft fees of {$35.00} for charges Bank of America processed through despite my request for a total block of all charges on the account. In my opinion, these actions constitute a pattern of retaliatory action for attempting to close my account, and presenting an undue obstruction to terminating my account with Bank of America. 

I even attempted to send a registered mail letter requesting my account be closed to the official Bank of America account closure P.O. Box in XXXX, FL, but they did not pick up the letter from their P.O. Box and I was notified it would be returned to me by the USPS.
Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.
American Education Services , INC, has serviced my consolidated loans, which prior was XXXX XXXX XXXX. The lower interest rate offer is for direct payment XXXX from an authorized checking account since XX/XX/XXXX and after a year of on-time payments the percentage rate was decreased to 3 %. From XX/XX/XXXX-XX/XX/XXXX there has been automatic on-time payments. I traveled for my brothers wedding in XX/XX/XXXX where an unauthorized transaction caused my account to overdraw and my overdraft protection did not cover. I made the payment as soon as I was made aware of the situation 22 days later and called AES Inc. The account was reflected as up to date and current. They continued to draw payments from my account. My XX/XX/XXXX statement shows that my rate went from 3 % to 4 %. When I called AES, they would not discuss my rate being returned to the 3 % rate and offered to send me a copy of the promissory note. The promissory note did not show the original terms of the agreement. They have increased my rate without an explanation and exact verbiage to show that the rate would increase. The letters they showed me does not discuss the details only an increased rate to 4 %.
VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO
A new auto loan was made on XX/XX/2015, ( I am the co-signer on the loan for my daughter ) The first payment was due on XX/XX/2015, that payment was made and since that time there has been 24 payments made all together. When she would make the payment at the local bank, she always asked if there was anything else she owed, and was always told no, the account was current and in good standing. A couple of weeks ago she was told she owed over {$200.00} in late fees and had to pay two months worth of payments.

She went in and paid {$200.00} in late fees and two payments totaling {$800.00}, even though she was not late and recieved no explanation as to why she owed this money.
Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX
I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.
I applied for the American Express Platinum card with American Express and got approved for the card on XX/XX/XXXX. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XX/XX/XXXX. As I noticed the card was not as good as I expected, I asked to close this account in XX/XX/XXXX. To my great surprise, I found after this account was closed, American Express removed XXXX Membership Rewards from my account on XX/XX/XXXX. I called them several times to resolve this issue but was told that I could not get the Membership Rewards back with no explanation at all.
Dear CFPB, this complaint is in response to Equifax 's investigation and verification of an public record that appears only on XXXX XXXX 's Equifax credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute. Under XXXX XXXX XXXX XXXX - Validation of debts XXXX Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXX original creditor : XXXX XXXX BANK, XXXX Partial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
Hello, we were forced to sell our home previously due to my husband being a XXXX veteran and not being able to work, when he was first diagnosed he couldnt work as much so we fell behind on our payments but only by XXXX, we requested a modification which took a year but we were granted the mod eventually. Our mortgage was sold to XXXX now known as XXXX XXXX. However on the day of closing we found out that there had been a partial Claim initiated without our consent so we lost XXXX at closing unexpectedly because we feel this way as done behind our back, we also have seen previous lawsuits against BOA involving modifications and HAMP programs in the news, please see attached paperwork, thanks!
I just discovered multiple, unauthorized transactions on my Chase Checking account from XXXX. I contacted my bank, Chase and spoke to XXXX Chase Bank Representatives about the 36 unauthorized charges from XXXX, XXXX CA. Chase Bank Representatives looked into the charges on my checking account and transferred me to the Claims Department. The Claims Department Specialist closed my chase credit card and put in another new card for me to receive. I received the new Chase credit card on XX/XX/19. I explained to the Chase bank Representatives that I did not makes any purchases with XXXX nor use my chase credit card on XX/XX/19. However, the unauthorized charges from XXXX are still on my Chase Checking account. Chase Bank allowed XXXX XXXX to withdraw all of my funds out of my checking account. I am in the negative status. Why would Chase Bank allow XXXX to gain access to my funds that is unethical.
I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.
I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.
We requested an appraisal to be completed in order to rem ove the Private Mortgage Insurance on our loan. The appraisal was ordered and when the appraiser came to do the appraiser he made comments such as " expect my appraisal to be significantly lower than what you expect '' among other inappropriate comments. Once the appraisal was received the amount was significantly lower than expected. Upon review of the appraisal it was realized the   appraiser made significant errors during the appraisal. This included inputting the incorrect number of bedrooms and the incorrect square footage of the house. These errors had a direct impact of our house not appraising for the appropriate amount. I contacted US Bank to dispute the appraisal. I followed their protocol for the dispute and they had me send in documentation to show why the value was incorrect. I sent in nearly 30 pages of documents including proof the bedrooms and square footage were incorrect as well as other comparable homes in the area that were more appropriate to use for comparison value. US Bank then rejected my dispute and simply reiterated that the appraisal was correct and the value stands. They said that I sent in too much documentation for them to review. I then called them and showed them in the appraisal where the appraiser had incorrect data. They agreed the information was wrong in the appraisal, however they said that once one dispute was done there was n't anything else they could do and the value stands even though there were errors in the appraisal. I attempted to escalate this and was told the only thing they could do was send this to the " independent third party '' company who handles their appraisal process and see if they would override the value. I did research into this company and they are wholly owned by US Bank. I was told I would receive communication about this process and never did. When I reach out now I am told the case is closed due to only one dispute being allowed.
I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.
XXXX XXXX and attorneys XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX, have improperly scheduled unsecured property for auction originally, XXXX XXXX, 2017, and now XXXX XXXX, 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations, XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX provided an affidavit of service by mail dated XXXX XXXX, 2017 of notice of sale scheduled XXXX XXXX, 2017. In the same letter XXXX XXXX maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents XXXX XXXX has provided. Upon repeated requests for a payoff amount or statement, XXXX and their attorneys XXXX XXXX XXXX, have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
In XXXX XXXX, I went to the Equifax website after receiving my credit report electronically and noticed the extreme amount of inquiries on there. I had filed a dispute to remove them because I did not give authorization to run my credit nor are they associated with any active and opened accounts. Also, some of these inquiries had no creditor contact. I was informed that they will not be removed. The inquiries are as followed : XXXX XXXX-Inquiry :XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX XXXX -Inquiry : XX/XX/XXXX. XXXX XXXX- Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX-Inquiry : XX/XX/XXXX
My mortgage company is returning my payments and did not credit a payment made in XXXX 2016, I had tried to refinance from a HAMP loan to a HARP loan and found a credit card judgement set against me and a lien placed on my home. The credit card debt is n't even mine. I am now in default on my mortgage because they are returning my payments and are accessing late fees, they want all payments up to date plus late fees. First, I thought it was illegal to place a credit card lien on a HAMP loan, is that true?
In XX/XX/XXXX my immediate family suffered XXXX tragic deaths. We all pulled together and had to pay for XXXX funeral/burials - then again in XX/XX/XXXX, my XXXX and XXXX passed, leaving us to bury them also. In XX/XX/XXXX I fell behind on my credit card payments due to the foregoing and contacted my creditors looking for a way to resolve the issue. They all referred me to a Debt Relief Program to assist me and assured me that they work with the consumer once you enroll in the debt relief program. I did so and enrolled with XXXX paying them every month for payment to my creditors. However, this is not what happened. Creditors closed my accounts and reported to the XXXX credit bureaus my accounts were " charged off ''. THIS IS NOT WHAT THEY PROMISED ME and now my credit has been ruined I have been unable to obtain decent interest on loans and unable to rent a place because of the negative reports. I eventually obtained a Consolidation loan through XXXX and all creditors were paid in full = some according to a negotiated balance. Capital One in particular has reported me as a charge off and some accounts do not show the balance paid in full. I have faithfully paid Consolidation Plus each month for my monthly payment for almost one year and will continue to do so until the balance is paid in full. My complaint is that these creditors promised by enrolling in a debt relief program that they would work with them and thereby saving my credit reputation from any negative reporting. This has not been done and now my credit score is suffering. While I realize the tragedies that happened were not the creditors ' responsibility, I could have filed bankruptcy and had all of the debts, including mortuary and cemetery charges discharged but I did not. I have paid them all off and continue to pay until the loan is paid in full.
1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 

2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 

3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.
EQUIFAX CONF # XXXX REP : XXXX XXXX XXXX {$810.00} IS STILL REMAINING ON MY CREDIT FILE AND PER THE FTC REPORT NEEDS TO BE DELETED/REMOVED AND BLOCKED ALONG WITH LISTED UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. **UNAUTHORIZED HARD INQUIRIES PER FTC REPORT TO BE DELETED/REMOVED & BLOCKED. THE ABOVE UNAUTHORIZED FINANCE ACCOUNT AND ABOVE LISTED UNAUTHORIZED HARD INQUIRIES STILL REMAIN ON MY EQUIFAX CREDIT FILE AND IS HURTING MY CREDIT. EQUIFAX PREVIOUSLY TRIED TO STALL ON THIS IN THE PAST AND NOW I ONLY FEEL COMFORTABLE WITH FILING A COMPLAINT AT THIS POINT TO ASSURE THAT THESE THINGS ARE DELETED WITHIN 5-7 DAYS PER THE FTC.
I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.
Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # XXXX
EQUIFAX is reporting a collection account for  XXXX  dollars from  XXXX   XXXX   XXXX , a collector  for   XXXX   XXXX   XXXX   XXXX  /  XXXX   say  I was uninsured by  XXXX  for my employer  XXXX  at the time of servic e in  XX/XX/XXXX .Tha  t  is false.   In addition I had 100 per cent coverage had the incompetents billed correctly.I 'm sending a copy of my  XXXX  POLICY CHECK Cashed by my employ er 2 weeks b efore the hospital service.I 'm also sending proof that the incompetent billers refunded the insurance money paid by  XXXX  FOR ME and then sent me the bill.   I 'm being damaged severely by this ... in the end I will sue and you will be paying my extensive financial losses for Equifax/  XXXX   damaging falsehoods and phony verifications ... not to mention th at  XXXX / XXXX   is operating under CFPB supervision for 5 years from the   XX/XX/XXXX     CONSENT ORDER for  XXXX  OPERATING AS  XXXX   XXXX   XXXX  ( THEY ARE ONE AND THE SAME COMPAN Y ) DELET E TODAY TO MITIGATE YOUR DAMAGE TO ME.   acct. no. is   XXXX   XXXX    XXXX
I have called XXXX, Equifax and XXXX in regards to XXXX the incorrect balance on my credit report and incorrect 1st Reported Delinquency, with incorrect account closing date. They will no longer investigate and dispute the information because I have already disputed the information previously. Although they have already updated the information it still display the amount owed of XXXX. Anyway I try to get the information updated they will not disclose the correct information regarding the account listed on my credit report.
on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.