WillisBack/dataset-financial-user-claim huggingface dataset:
Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over
From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX we received letters from Suntrust stating that we have unusual activities on our debit cards " XXXX '' and " XXXX ending, therefore they placed a " temporary '' block status. SINCE I had past disputes related to unauthorized charged XXXX which were approved and resolved with Suntrust during XXXX ; I noticed that again, from XXXX to XXXX XXXX, while I was on " XXXX '' leave, at home, in bed, NOT USING MY CARD WHICH HAS THE XXXX STICKER ON, XXXX was charging my checking account as they please causing multiples overdraft fees ( XXXX x {$36.00} aprox. ), ignoring the fact that my account was set up as " cash only ''. on XXXX/XXXX/XXXX I collected all evidences and sent it via fax to Suntrust to investigate. Suntrust representatives explained that it will take up to 60 days to get the issue resolved ( Previous disputes against XXXX only took XXXX hours to get a final resolution on my favor based on evidences presented ). On XXXX/XXXX/XXXX I received a letter from Suntrust granting me a temporary credit for the claimed charges and removal of all overdraft fees, while my account was undergoing investigation. Unfortunate to say, Suntrust sent me a letter on XXXX XXXX stating that the investigation was fruitless, that they could n't resolve the isue and asked me to deal with XXXX. On XXXX/XXXX/XXXX I received a letter from Suntrust Notifying me that the referenced account was closed, the negative balance of - {$1600.00} ( multiples charges of overdraft fees of {$36.00} plus XXXX unauthorized charges ) was charge-off since the account was overdrawn for several weeks regardless of being investigated and they even add {$30.00} to charge off the account and I was refered to collections.
I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen. 
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest. 
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants. 
I do beleive this has happen to many others for the same stall tactics they gave me. 
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back. 
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX
Experian continues to report fraud accounts after my numerous disputes with them and the creditors and all experian says the information is correct and verfied to me because my name and addrs and personal information was used to obtain these fraud accounts for  XXXX  #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX   XXXX  #  XXXX  and   XXXX   XXXX   XXXX   XXXX   #  XXXX  experian has dont nothing to resolve the matter after years of disputes with them and their lack and neglect on preventing fraud resolution.
Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
I have completed and returned a Fraud Affidavit that TD Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to TD Bank.
I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers.
From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to.
When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc.
They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.
Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.
XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they  responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an Experian credit report an inquiry was found with XXXX XXXX XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to XXXX XXXX to have this information removed. While a clearance letter dated XX/XX/2018 was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the XXXX XXXX information be Experian. This is a violation of the FCRA.
Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.
I am a victim of Identity theft. Someone used my information to open an account with XXXX XXXX XXXX. I was alerted to an inquiry by Experian on XX/XX/XXXX after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXX I recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX. Including one from XX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX  XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/XXXX Received notification from Experian that they verified the account as mine and the dispute is closed. 

XX/XX/XXXX XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXX Was transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.
I realized there were several inquiries on my credit report that I did not recognize. I placed a fraud alert on my credit report to prevent it from happening again. I contacted Transunion and was told that there was nothing they could do unless I contacted all of the creditors and had them submit a request. That is an unreasonable request as there are XXXX unauthorized inquires on my credit report. I do not have the time to do that, nor do I think a consumer should. In those cases, the credit reporting agency that provided the information and is reporting it to others, should do their own contacting. I was told there may be a glitch that affected my credit report and resulted in those inquires being placed on my report.
I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.
I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.
XX/XX/2017 I spoke to a representative and told the person them that this bill was inaccurate because their was a second insurane that should have been filed at the time of the visit and the man who i spoke to begin to tell me that i need to be responsible and pay my bills i told the rep that i was not going to go back and forth he then begin to make a threat to me and say that he was going to have it placed on my credit report because that would be the next step my concern is that it was placed due to threats this problem have causes a significant drop in my credit score. I will like for this to be resolved and removed off my credit report
I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015
I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.
I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.
I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment onXX/XX/XXXXwould be for you to furnish XXXX XXXX XXXX  statement proving when my payment was accepted. Congress states in XXXX XXXX XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
I am contacting your company because XXXX XXXX and Experian Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  OpenedXX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and Experian about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.
Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '
I have an emergency in that I have to have XXXX and will be in XXXX and XXXX for at least 2 months. I have a reverse mortgage and HUD has a hold on my mortgage money until XX/XX/XXXX. I need some money released for the XXXX and food and someone to take care of me as I am alone with no husband or relatives. This is a shame, it is my money and I will be in bad shape unless they release at least {$1000.00} to help me until XX/XX/XXXX. 

Ca n't someone do something, even if I have to pay a penalty fee or something. I do n't know what to do. 

My loan is with XXXX and they are very hard to deal with and hold the money until the last minute when they do release anything. Loan number is : XXXX.
I am very sorry to make another formal complaint against members of the Navient 's corporation but they are quite disrespectful towards me when I asked about my payment. You see, Navient lied about how much I have to pay per month.Consumer service rep XXXX was very disrespectful. XXXX was unhelpful about the status of my account and very rude. I asked to speak with an supervisor and she refused me the ability to speak with the manager Personally, it seems like many people inside of the Navient 's corporation do not want me to make payments towards my loan.They keep changing the payment date and the payment account. They are being unreasonable towards me and when I asked them for repayment options ... .they get very rude.