WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is refusing to investigate fradulent cash advances on both of my business credit cards and lowered the credit limits on both of them as a result of the cash advances. They are refusing to investigate because they claim their records do no go back far enough to see the dates of the transactions. They are ONLY A FEW MONTHS OLD. There is no reason for them to not be able to see them. Also since the cash advances were NOT initiated by me, there is no reason that my credit limits should have been deleted.
Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.
Transunion, XXXX, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call Transunion, XXXX, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the Transunion to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. Transunion, XXXX, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. Transunion, XXXX, and XXXX are in direct violations of the fcra. XXXX, Transunion, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, XXXX and Transunion can not continue to violate my rights.
Santander Consumer Bank makes it impossible to pay loan in full and creates impossibilities to pay on time thus charging extremely high fees. They charge you XXXX dollars to make payments online or over the phone which consumers must do because checks that are mailed take weeks to be processed. I 'm trying to pay the loan in full but XXXX wo n't process my credit card payment because it 's payment in full. I was told I ca n't pay the loan in full online or over the phone even if I only owe XXXX dollar that I must send a check. The check wo n't clear in time to pay in full so the bank will charge additional fees. I 'm also concerned from reading about this bank I wo n't receive the title. Most complaints on XXXX are similar to mine.
I'm trying to get the flowing removed off my credit report. I called Collection Bureau Services and asked them if I had a balance on XX/XX/XXXX and they stated no that all accounts were paid in full. I asked why they were still on my credit report and they stated they are reported with a XXXX balance. I asked why there were not closed and she stated they are reported with a XXXX balance again. 

Can you please remove from my experian report the following since there is not a balance and they obviously have not closed it and think that because it has a XXXX balance that it shouldn't matter. 

COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
After submitting all documentation and the debt collector for my identity theft case sent a letter, equifax still will not remove all of the fraud information from my credit.
Bank of America was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Bank of America 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies.
I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.
Our out us knowing. We had to call them last year and this year to make sure our property taxes were paid. We call them last night Mortgage was sold to another company last year. One of the first things required was an additional months taxes and they started paying our property taxes without telling us. Last night we verified that the taxes were paid and then they said we had a shortage in our escrow of over {$400.00}. When we inquired about this after figuring our taxes and home owners insurance we are positive almost {$500.00} which they wo n't send us until they evaluate out escrow account. Never had this happen before. We have always paid our taxes. They wo n't let us or give the option. This can not be right. Please advise!!!
In 2013 I payed and settled in full my account with SYNCB/XXXX. 

SYNCB/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
AFNI is Reporting a debt on my credit that was sold to them by XXXX. XXXX also sold this fraudulent debt to XXXX XXXX. This debt was was removed from my credit. This is against the Law according to the FCRA and FDCP
This letter is being submitted in light of XXXX XXXX response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus EQ, XXXX  and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened.

Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please.
Portfolio Recovery Associates is reporting 2 account on my credit reports one has a amount of {$400.00} and another amount of {$1000.00}. I have disputed this with all 3 credit reporting agency XXXX, XXXX and XXXX. Also I have sent Portfolio Recovery Associates debt validation several times with no response. This 2 accounts bt Portfolio Recovery Associates are still showing on my credit reports.
This account was paid in full from a insurance claim from XXXX XXXX. Ally financial received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, Ally said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. Ally does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from Ally. All that I want is Ally Financial removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe Ally Financial any money. XXXX XXXX XXXX paid Ally financial in full
I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name
I am writing presently in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Our mortgage is with Wells Fargo .For 14 years since they took over XXXX , weve been paying an interest rate of 6.75 % ... Since then my wife lost her well paying job, went back to school, started her own business earning a lot less.Im retired lost a lot in XX/XX/2008 ... .I asked WF to refinance at a lower rate, no extra cash out, he laughed because my credit score is below their standards.Next I applied to them for financial relief, filled all the necessary paperwork and got denied, because they couldnt lower the payments low enough..really
Loans were in deferment ; I thought that the loans were still in deferment but unfortunately, the deferment expired. Navient transferred the loan to Pioneer Credit Recovery Inc. This company is unbelievable. Not only are they calling my cell phone 4 to 5 times per day, but they are also calling my employer, my wife, my parents, my brother and his wife, my XXXX adult step kids, and my wife 's ex-husband. I am assuming there are others, but those folks are probably too embarrassed to say anything to me. Pioneer has also shared in full detail the reason why they are calling with my wife ( who is not on these student loans ). I am quite sure this company has shared in detail with other folks, too. I do not feel comfortable speaking with Pioneer. I am considering hiring an attorney to deal with this company because I believe my rights have been violated. I also feel they are violating the rights of everyone they are calling. THIS IS HARASSMENT!!!!! It is out of control!!!
i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

Help.
Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, XXXX XXXX
I submitted a claim three months ago, quoted as below. 
" I referred several friends the XXXX-Amex cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX  points arrived. Following their terms, I waited for 12 weeks, and contacted Amex at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time. '' Amex replied to me via CFPB saying they will handle this, but the truth is, after three month and my multiple inquiries, Amex shut down my inquiry surreptitiously. They told be an investigation should take 8-12 weeks, which is already abnormally long, but even after waiting for such a long time, their response is always, " I'm sorry, but I can not do anything ''. I think Amex is deceiving their customers and acting in a bad faith where they do not honor the promises they made to their customers. I am just a powerless customer facing such a giant financial institution.
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.
All of my payments have been applied to interest only. Nothing I have paid on my loans has been applied to my principal balance.
I have disputed the late payments on XXXX XXXX XXXX    XXXX account. The credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
I have tried everything to get a copy of the report stating that they are closing my account and that they have no intention on returning the money in my account to me but, they are telling me their notes are for in house only. I think that is wrong and unfair. I feel I have the right to proof of what they are doing to my account. I still get text messages weekly telling me there is over {$38.00}, XXXX in my account and I also get emails. They are stealing my money. They tell me I need a court order in order to get the report but, they didn't need a court order to steal. Please I need your help to just get the report telling me what they are doing and. If they intend to close the account and return the money to the banks then tell me so.
Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.