WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to file a complaint against Bank of America. 

We cancelled/closed our business credit card at the end of XXXX. A year and 8 months later we received bill from Bank of America for charges on the credit card for {$31.00} for charges for XX/XX/XXXX. We got the bill in XX/XX/XXXX and called in to Bank of America right away.

We called and said how is this possible to be charged over a year and half later after we closed account. We had a XXXX balance when we closed the account. They said " Well, we allow automatic charges to still go through on credit cards even if they are cancelled/close. '' I said that doesn't even make sense. I would understand if that was a month or two after the account was closed, but over a year and half. We disputed the charges as we consider them fraud and they were not authorized and we were told that they would close the account, provide credit, and consider the matter resolved.

Today we received another for the {$31.00} + {$19.00} late fee. I called and told them I consider this to be a scheme from Bank of America to overcharge their customers for fee 's. There is absolutely no reason why BoA should be allowing charges on a closed credit card account almost. When a card is reported stolen it stops all payments, but cancelling a credit card does not. I was told I had to wait 30 to 60 days for a response because there department was backed up.

I was charged late fees while the claim was being reviewed. This should have been an open and shut case. BoA should have closed the account when we closed it, no further charges should have been allowed.

Please help stop this schema from Bank of America.
I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.
I was given a line of credit though Speedy Cash in the amount of {$870.00}. I borrowed {$200.00} against that line of credit in XX/XX/2017. Speedy Cash provided the amount that was to be taken out every payday. They have been taking anywhere from $ XXXX- {$68.00} out of my account since then. I just happened to check on the payment schedule to see that I still owwed {$430.00} and at this point I have been paying them every 2 weeks for over a year. Upon speaking with the company this is allegedly how their line of credit works, I was told the payoff was {$500.00} so I paid it. But before I paid that {$500.00} to date I had paid almost {$1800.00} for only {$200.00} dollars I was never late and nerver missed a payment but the payment amounts went up and down over the life of the payments! As the regulating body of agencies such as this one, is there no cap for the amount of money that companies like this can have you pay back? I would like to file a formal complaint as something should be done about predator practices such as this.
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX
I paid off a 60 month loan in 18 months. The last  XXXX  payments were large amounts. The monthly amount was  XXXX . In  XXXX    XXXX   I paid approximately $  XXXX  {$11000.00} towards the loan. In  XXXX    XXXX  , I paid off the remaining balance which is approximately {$8900.00}. The payment date was  XXXX   XXXX . The final {$8600.00} paid the loan info. Because it was not paid on the  XXXX  they have now assessed a   XXXX   day late on my credit report. I spoke with them about this and asked them to remove it. He said I had paid the loan off satisfactorily but they would not remove the 30 day late. Even though it was n't even 30 days late it was  XXXX  days past the due date. And the only reason I posted late is because they have the wrong bank information.     Please advise next steps.    XXXX   XXXX
I had an unsecured personal loan with Citizens Bank that I had gotten when I was in their employ. A few years went by and I no longer worked for them and the loan was paid off. 

I thought everything was great and I still had a decent image of the company, so my fiance and I decided to open a joint checking account there. Then a few months after having the account, my debit card stops working on a Friday afternoon, which was odd because I had gotten paid that day and there was ( should have been ) a few hundred dollars in the account. 

I log into my online banking to see that {$280.00} or {$380.00} ( it's been a few months ) debited from my account and all it says is " dda memo ''. I know from working for them for over 5 years that this means that the bank itself has taken money for something you owe ( an account sent to collections ). Which I'm not aware of anything that I may owe, because I had paid off the previous loan and had received no correspondence in the last 2 years since I had banked with them that anything was outstanding. Also, nothing had been reported to a credit bureau. 

Best part is, they did this right before closing on a Friday night, so I'm frantically making calls to find out what's going on, only to be told that all the departments I need to talk to are closed and don't reopen until Monday morning. I spend all weekend with no money and not being able to pay the bills that money was to go to. 

Monday morning I finally get to talk to someone after being transferred a handful of times to find out that apparently my loan had been paid off, but for some " glitch '' the system never recognized the payment and the system decided I owed that money and just pulled it from the deposit account that I had with them. Basically an " oops, sorry, the computer messed up ''. They offered to fix the issue, however the refund of my money could take up to 48 hours to be refunded to my account. So, they can take money instantaneously but make you wait to put it back. 

I ended up getting my refund, but then about a month later I got a letter in the mail showing the amount and letting me know that the loan, which I thought had been paid off years before and had been reported to the credit bureaus as closed, was now paid and closed. 

All in all, just a ridiculous situation with some shady bank practices and I closed my accounts and will never bank with them again.
I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.
I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009
On XXXX XXXX, 2017 I spoke with a loan officer at Quicken Loans regarding a property that I am purchasing in XXXX, DC. After discussing the available products and interest rates, I agreed to proceed with an application in order to receive a pre-approval as requested by my seller.
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I was unaware at the time of the decision that the property that I was under contract on does not qualify for a conventional mortgage from XXXX XXXX as it is a new construction condominium and those properties do not qualify for delivery to XXXX XXXX from Quicken.
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Had I known this information at the outset, I would not have proceeded with the application process for two reasons, first, I spent about an hour reviewing my credit status with the loan officer ( after which I was approved for the mortgage then rejected due to the XXXX XXXX restriction ), and second, I did not want to be adding hard credit inquiries to my credit report if there was not going to be any way of proceeding.
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After pulling my credit and completing the application, the loan officer asked about the property and knew right away that it would be a problem, which of course it was. My issue is that I received a hard inquiry for a loan that Quicken Loans will not ever approve and Quicken Loans is not willing to ask the credit agency to remove the inquiry ( which there is a process for doing but may have a financial cost to them. ) I raised this issue with Quicken Loans and was informed that while they regretted that the question of the property type was too late in the interview process to avoid the credit pull, there was nothing that they would be prepared to do to rectify the inquiry on my report which resulted in my score being immediately reduced by the credit agency.
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I am unable to recommend Quicken Loans to other consumers given a process that is punitive to people 's credit which the company is unwilling to resolve to the benefit of consumers.
I took out a loan to fix my transmission XX/XX/XXXX with a same as cash type credit card. I gave them an address ( a PO Box ) on  my contract to send all my communication to. They put in the wrong address, never sent the statements. I went back to XXXX several times asking for my bill and how to pay. 

The person at the credit card company then sent a statement but charged me all the interest and paid on debt but they kept increasing the balance because they sent to thte wrong address. I paid off the debt and they said they could help but they charged off my balance and will not let me pay them back. I called again with a person trying to help me on XX/XX/XXXX. They confirmed they saw the wrong address and their notes. Said they would not correct credit and that they could not even get me the pay off balance. They said they would send a letter to tell me whet they would do. This is the 4th time ive tried to resolve.last time they laughed that they were hurting my credit. I do not know where to turn. This company wants to charge my 4 times more money then the bill just because they sent the statement to the wrong location. the General manager at  XXXX even tried to call them but was told it wasnt any of his business.
A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated
I would like to make the CFPB aware of unethical, possibly illegal interest-charging practices being carried on by US BANK credit cards. I am aware that US BANK has been sued for other illegal practices, and feel that someone with an expertise in consumer protection law relating to credit cards should look into US BANK 's interest-charging practices. 

Whereas all other credit card companies I 've ever used ( personal, business, etc : I 've had more than a dozen credit cards in the last 10 years ) charge interest on a balance only after the statement close, US BANK is charging interest on the entire balance for any sum not paid BEFORE the statement close date. In other words, it is quite possible to be charged a month 's interest on a purchase made 1 day before the close of the billing cycle. 

I am a US BANK XXXX XXXX credit card holder. I am happy to provide more information. I am not an expert in credit card consumer law, but have a XXXX XXXX XXXX from XXXX relating to Finance, own several companies, am fairly familiar with credit card practices, and believe that what US BANK is doing is unethical, if not illegal. 

Thank you for your consideration.
This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
The collection agency ( AARGON ) is trying to collect an old debt from XX/XX/XXXX they haven't mailed me any information bout this debt which the STATUE OF LIMITATIONS on the account has expire in the state of Delaware, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in PA in years because of a Domestic situation and had to relocate the original agency knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
Our loan was sold to loancare, so we did not choose them to finance our loan. With a recent situation, as well as many interactions with this company, I am very concerned with the service and internal controls within loan care. I 'm in high management at a student loan company, and would be mortified if my employees handled calls and situations as they did. Back in XXXX, we began paying every two weeks. We were told this was okay. Then we came to find out after a couple months that we can not split the payment, and have it count as our monthly payment. We found this out when we were due a double payment one month. We spoke to an agent about this, and he said he could re apply the payments that showed to principle to count as the payment. We advised that from here on out we would make the full payment which we did. Months later, we then received a delinquent notice, and so we called. I was on hold for almost an hour till someone came on. I explained to the agent the situation, and she was not helpful, stating she was n't sure why it was n't done. I asked for a supervisor, and was transferred to a voicemail. I called again, and after an hour an agent picked up and disconnected. I was in shock of the customer service I was recieving. The last conversation my husband had with a supervisor is that even though we were told it would be re applied we should not have split the payments. We were reported to the credit beruea by this company although our payments were made. They did not fulfil on their end re applying the payment. I 'm concerned that we first would be told this would be re applied, that it never happened, and then future encounters there is no one taking responsibility. On top of this, as a customer I do not feel taken care of. It should n't be so hard to get in contact with your mortgage company because the hold times are so long. Then on top of that, recieving the poor service when you do speak to someone. I have never had issues with my credit, and because of Loancares poor business practices, I now have a mark. After researching and reading other reviews, I 'm not sure how this company is allowed to be in business.
There is a private student loan issued by XXXX XXXX XXXX opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was XXXX. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.
All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.
I was a victim of identity on my credit report I called and filed out complnt with XXXX  but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX also on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
I am reporting a student loan scam. 

I got a voicemail on XX/XX/2019 at XXXX ( from a robot named " XXXX '' ). She told me, " ... your student loans have been excepted into the Navient Settlement and are now subject to complete loan forgiveness ... ''. The phone number is XXXX and my " reference number '' is XXXX. I've called them twice and have been hung up both times, because I said I wanted to think about it and call back. The second guy I talked to was named " XXXX ''. I kept asking him what the name of the company was and he just kept telling me they were one of three Financial Preparation Enrollment Centers in the U.S..
Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies
I was applying for an apartment and the manager called them and my information was released without my knowledge or consent and I was denied the apartment based on the information they released.
I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.
I received a phone call from a female  XXXX  supposedly from  XXXX   XXXX   XXXX . She told that to call  XXXX  regarding a complaint a summon for a debt supposedly I owe in   XXXX    . They told me if I do n't pay I could me arrested or freeze my back account. I do n't owe anybody.. I check my credit report and that account does n't exist. They have n't send me anything through the mail. The only thing they send me a email. they wanted my back information and my signature. I check in the internet and I 'm not the only one who this people called.. This company is not in the internet, I checked.. I want them to stop harassing me..
XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
equifax is not reporting my date of birth and not letting my company pull credit for credit cra voilation inaccurate information
On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.
I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..
Upon reviewing personal credit report, found entries from Trident Asset Management. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} On XX/XX/2017 XXXX XXXX XXXX debited my bank account for {$240.00} XXXX XXXX XXXX has not done any additional work accept get my account over to FEDLOAN.GOV which I just found out I could do myself. They have charged me 3 months worth of fees and XXXX XXXX says that they have not even heard of this company. I do believe this company is a scam and I am reporting them because I want my money back. I called on X/XX/2017 and asked for a refund and an explanation to where my fees were going and they explained that they were like an XXXX XXXX XXXX XXXX. They do the paper work to consolidate the loans but XXXX  XXXX said that was not true and I could have gone directly through them for free.
I am filing this complaint because my right has been violated. Please advise Savit Collection Agency to stop harrasing me with their phone calls. I am not indebted to them. 
XXXX XXXX scheduled my son at XXXX XXXX XXXX XXXX ( XXXX ) about two months before the XXXX date. At this time, I presented my health insurance card to his staff and she made a copy. On XXXX/XXXX/2014, XXXX representative called to confirm and verify my insurance ; and I informed them to use only personnel on XXXX XXXX XXXX. The purpose of the insurance card was to prepare personnels who are on network. 
On the day of the procedure, XXXX went to use NJ XXXX that is not on network. My insurance issued a check commensurate with what they would have paid for such services if they had used anyone on network. Unfortunately, NJ XXXX sent my data to Savit Collection Agency. 
It is not my fault that a personnel that is not on my insurance network was used. I was never consulted or informed before they used such service. 
Savit Collection Agency should please go after whoever made the schedule without considering my health insurance card that i presented and verified. Also, they should stop calling me concerning this debt