WillisBack/dataset-financial-user-claim huggingface dataset:
The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my credit score monthly. I 've contacted them and spoken to a representative twice over the p ast two mont hs. They continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) stat es differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.
i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX
XXXX is reporting a medical bill on all 3 major credit reporting agencies. I learned of the collection account when I applied for and was declined for a mortgage loan. I had medical insurance at the time of the bill and the medical insurance should have covered it completely. The procedure was pre-authorized. I paid up premium up front per the request of the doctor and the insurance company. The amount was somewhere near {$1000.00} BEFORE the XXXX. Imagine my surprise to find that I had a medical collection. The doctors office said something to me and I reminded them I had repaid all of the costs and been preauthorized by insurance. ANY amount above that is, would have been, and will be disputed. XXXX never gave me the opportunity to dispute the validity of the debt. I have never received a phone call or a written notification of the debt. I recently contacted them after learning of the collection account. I informed them I disputed the debt and the circumstances above, They did not pay attention to me at all and immediately started collection practices demanding my phone number and information about me in an effort to collect the debt. THE ALLEGED BILL IS PAST THE STATUTE OF LIMITATIONS and they knew it. Under FCRA and FDCPA the debt should have immediately shown as disputed and removed until resolved. Instead they only attempted to collect. In violation of FDCPA Section 809 ( b ), 807 ( 8 ) and section 623 of FCRA
I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX XXXX. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.
The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.
Citi Bank closed my account without notification. The account showed me that I was a XXXX balance and my savings was XXXX. They gave me no communication saying that they would be closing the account. They told me that I was XXXX dollars overdrawn of which I have no record of, no email, no online alert or message and no balance fluctuation online. I spoke with a supervisor who stated that he would reopen my account in 2-3 days. After 2-3 that account was not reopened and they lied to me saying that it had been more than 30 past due but in fact by their own statement " that account was overdrawn by XXXX on XXXX XXXX and closed on XXXX XXXX, which is 7 days.
Last month, I submitted a check my dad wrote out through the Chase app without my dad 's signature without knowing that it was unacceptable. I went into the Chase bank on two different occasions to get this issue resolved. They said that it could be taken care of, but it wasn't. Not to mention it was very very very time-consuming as the lines needed to be transferred to get to the right person time and time again. It was a simple error on my part that caused my account to be closed down. I can no longer access my debit card and the remainder of the savings were sent to me by check through the mail. I would like my account reopened. I still need to pay the credit card and I have the funds to do so in full. Overall, this was a terrible experience due to a small error on my end.
Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
XXXX  AND XXXX ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both Trans Union and XXXX show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me
On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.
A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.
I have contacted Capital One and I am having issues making and getting credit for payments. On XXXX occasions Capital One has stated that my payment did not go through when in fact I have read my baking information XXXX times. My bank had indicated that my payment did go through last month, which is the month of XXXX. 
I recently contacted customer service and tried to make a payment with my XXXX card. 
Customer service is providing me with a hard time trying to take my payment and will not wave late fees due to their error that I would need to speak with a supervisor. 
I have to waited hours on end to speak with a supervisor with the reason being that both hurricane XXXX and XXXX has impacted Capital One 's business. 
If this is the case, then my late charges should be waved, if Capital one is making errors due to this impact, and is short staffed.
I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.
About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance?     I sent them a certified letter on  XXXX   XXXX  and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.
This is my second complaint with CFPB about Navient. My previous complaint received a copy and pasted generic response from Navient. I am fed up with dealing with this lender. I was never properly educated on how the interest would capitalize during my time in school and after. I was only given options for repayment that paid toward interest and in very small increments which has increased my balance over 150 % in the last 10 years. I owe 2.5 times what I borrowed and have my made payments since graduation I XX/XX/XXXX. The original lender, Sallie Mae, could not keep their end of the bargain and were conveniently allowed to just change their name and continue business as usual XXXX  borrowers that were defrauded by their schools. When students realized they attended predatory and for-profit schools, the lender should have made attempts to work with the students for relief. It is absolutely unfair that I attended a school that lied about accreditation, did not educate me on cost and taking out loans, and eventually closed their doors ; making my degree a useless piece of paper. I am expected to pay back loans until XX/XX/XXXX, which will equate to over {$600000.00}!!!!!! 

GIVE RELIEF TO STUDENTS FRAUDED BY SCHOOLS THAT ARE NO LONGER OPEN THAT HAVE CREDITS THAT DO NOT TRANSFER!!!!!

1. unclear on capitalization of interest over time of loan 2. loan sale and resale without permission 3. loan capitalization that was over 3x borrowed amount 4. horrible customer service, only offer repayment options that make money for navient and never pay toward the principal 5. late fees before payment due date or when payment was applied twice in one month 6. unfair practices for borrowers, policies do not favor the borrower and lender makes enormous profit 7. estimate of my loan payoff is XX/XX/XXXX with a total payment of over {$600000.00} when I only borrowed {$68000.00}. HOW IS THIS FAIR OR LEGAL???? 
8. can not say enough about the customer service. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have your priorities straight and you can afford 25 % of your income to your student loans.
I purchased a sectional from Macy 's on XXXX/XXXX/XXXX using my Macy 's credit card in the amount of {$4500.00}. I exchange the sectional on XXXX/XXXX/XXXX and purchased another one for a lesser price {$2600.00}, I had a credit from the first sofa and can understand why Macy 's has not applied the credit to the exchanged sectional. I have called Macy 's customer service department on several occasions waiting for some one to call back. I also have been to Macy 's seeking help.
American Express is sending out upgrade offers for their XXXX XXXX card. The offers range from XXXX points to XXXX points. For some reason, I was only target for the XXXX offer, despite being a member for almost 30 years and spending well over $ 100K a year. I was interested in upgrading my card, but did not want to take the lesser offer, so I decided to call American Express to discuss my options. Amex CS transferred my call to Membership Consulting in XXXX, FL. After going back and forth with the rep, I asked to speak to a manager. The manager ( XXXX ) promised to call me back within a day or 2. She never did, so I called Amex and filed a complaint about XXXX. Few days later I got a callback from XXXX who promised to look into the situation and let me know within 2 days. She said she had some contact at American Express who might be able to help us. She didn't call back as promised but did call the following day and left a VM. She claimed that she was still working on it. Few days passed without hearing back from XXXX, I called back only to find out that she was on vacation. 

Membership Consulting in XXXX, FL needs to be investigated as most of the reps don't help and they try to cover for each others.
This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX
Great Lakes Service Center are charging me twice per month for my PLUS loan. They have ignored the terms of the loan agreement by contacting people at all hours who are not co-signors. They are harassing other members of my family. They have sent emails to people who are not co-signors at XXXX, they have called my son whose number is not on the loan, they have refused to answer my questions, their complaint department ( ombudsman ) said I should contact Great Lakes that the ombudsman can not help me, and the ombudsman has refused to respond to my emails. Great Lakes is over-charging me. I am doing everything possible to keep up but they keep dreaming up new ways to over-charge. They are doing the same thing as XXXX.
In XX/XX/XXXX my husband at the time, XXXX, purchased a XX/XX/XXXX XXXX At the time of the purchase, XXXX was a XXXX. We financed the vehicle with the military program JP Morgan Chase Bank NA had available. My name at the time of the purchase and repossession was XXXX XXXX XXXX. The address of the repossession in XX/XX/XXXX was XXXX, XXXX Colorado XXXX. 

In XX/XX/XXXX my XX/XX/XXXX XXXX was improperly repossessed by JP Morgan Chase Bank NA. In XX/XX/XXXX, I received checks for {$10000.00} and {$600.00} as well as a letter explaining that the vehicle was illegally and improperly repossessed. The check for {$10000.00} was reimbursed for the payments that were made over the course of the life of the loan. The check for {$600.00} was for the inconvenience of that action. In the process of gathering my tax forms for XX/XX/XXXX I received a XXXX form for the XXXX checks with total " income '' showing as {$10000.00}. I am at a loss why I am being taxed on a refund when the money that I had paid on this car was after tax. This has caused even more hardship than when the car was first taken. I am now paying taxes again for something that was not my fault and I should not have further repercussion for the banks misconduct. Had this XXXX been for the check for {$600.00} ( Lower amount ), I would understand as that money was income above and beyond what was paid on the vehicle. 

The impact this has on me for this tax year is that instead of getting a refund of {$1300.00} from the IRS for XX/XX/XXXX taxes paid in, I now owe {$180.00}. This needs to be remedied on your end as this issue was your error that precipitated this in the first place.
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.
XXXX XXXX never received any notices, regarding being in default or Bank of America N.A. scheduling a face-to face meeting according to the mortgage agreement clause 9 ( d ), Plaintiff, Bank of America N.A. attached the mortgage to the complaint and redacted the information to conceal those facts of the FHA loan numbers. Bank of America concealed the FHA loan case XXXX. XXXX. Bank of America N.A. did not comply with Title 24 CFR Part 203 Subpart C- Servicing Responsibilities,  including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 as stated in the mortgage agreement.yet the are attempting to take my property without compliance to the Federal guidelines or the HUD provisions.