WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Bank of America I am alive and kindly ask you, Bank of America to refrain yourself from sending your people to my relatives ' addresses across the United States, asking them to sign your claim with case number : XXXX, filed at XXXX County Court in Georgia, followed by a surge of ad letters from attorneys, pushing me to file for Chapter XXXX or XXXX. 

It is important to know that my relatives are not personally responsible for my debts, under any circumstances. Additionally, they did not cosign this debt with Bank of America. 

I repeatedly attempted to settle this debt, via out-of-court communication, but your internal collection department was so AGGRESSIVE and refused to accept my proposed repayment plan. Instead, your interest rates and fees were jacked up on me and you declared the accounts as Charged-Off debts, claimed a tax break for the supposed loss, and then you sent your people to my relatives, asking them to sign your claim with case number : XXXX. 

I use the address below for correspondence, but I do not reside there and do not own the property located at : XXXX XXXX XXXX, XXXX GA XXXX. 

Your people threaten my relatives, to force them to sign. I ordered them not to sign. It appears that you or your servicers make it sounds as if I am hiding from you. 

In reality, I am in a difficult situation with the XXXX XXXX  XXXX XXXX ( XXXX ) in XXXX. I put a lot of time, effort and money in this education and now I can not validate the education, to obtain license to practice the profession of radiology, because XXXX hijacked the final piece of documentation. See attachment. 

I already provided you with addresses and telephone numbers to contact me abroad. 
Why didn't you contact me first? 

Hence, I contacted the XXXX County Sheriff Office/Court and kindly requested to return your document, unsigned, back to you and to dismiss your claim with case number : XXXX. 

I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders. 

Again, I propose to your collection department to temporarily accept an Income-Based-Repayment ( IBR ) plan or Pay-As-You-Earn ( PAYE ) plan. 

Kind regards XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX : XXXX
i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX
I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.
I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you
I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.
I am submitting this compliant in regards to the numerous efforts of faxes and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with XXXX, XXXX, and Experian in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to XXXX, XXXX, and Experian the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.
I paid the XXXX 2 months of the car loan when I purchased the car. I then completed the form as instructed by the Bank of America to set up automatic payments on each month on the XXXX of the month. The bank denied this request and I had to seek resolution from a supervisor to get the direct payments authorized. I was not made aware of the problem for 2 months. When I learned of the issue I immediately paid for 2 months due AND 2 months forward. After speaking to a representative I was assured that this would NOT affect my credit report and was NOT on my account. 
This is NOT an error on my part and as a consumer I did exactly what the bank said to do when they said to do it and now my credit report is damaged and I am unable to get a home equity line of credit. The line of credit is required to pay for outstanding expenses related to XXXX XXXX and XXXX that have cost me thousands of dollars. 
As a result of this I am asking the bank and or credit bureaus to remove this information immediately. I have also retained a lawyer and would like your assistance to sue all parties that are involved with the negative rating and impact of my ability to secure the loan. I would like to get this resolved and if not then someone rather than the consumer who has and is acting in good faith. 
XXXX XXXX XXXX Bank Of America Auto loans.
I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.
Last XX/XX/2018, I sent a letter to XXXX/XXXX   including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX/XXXX  ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX/XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.
In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.
On XX/XX/18 husband and I signed up for a vacation club membership through XXXX XXXX XXXX ( XXXX  ) costing {$26000.00}. I put {$6000.00} down on my credit card and the remainder {$20000.00} they opened an installment loan for {$10000.00} each for me and my husband. We never received product/service purchased but were making payments to Universal Accounting Services ( UAS ) since XX/XX/2018. As I was not getting resolution from XXXX, I contacted UAS about my loan and wanted to cancel. They stated they were just the billing company for XXXX  but would open up a case to cancel our accounts and submit it ( XXXX-case # XXXX, XXXX-case # XXXX  ). This was on XX/XX/18. On XX/XX/18, UAS called stating that XXXX  rejected our request. I have called XXXX  XX/XX/XXXX - end of XX/XX/XXXX to resolve this, then filed complaint with XXXX. On XX/XX/XXXX UAS again stated that XXXX rejected our request to cancel the contract. I stated we were retired and living on a fixed income and can't pay for a product/service we don't have. This is a financial hardship for us. She stated she would send the request again. Nothing has happened and they still are sending me bills for a product/service I don't have. I can not be paying for this any more. I filed a complaint with the XXXX  and now the Missouri AG on XXXX. I am going to stop paying them now.
Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. 
Company is : Debt Recovery Solutions
I've been getting scammed by this company for many many years, in fact 15 years since I graduated college. Never! have they applies my principal payments to the actual principle ... And as of late, they have started charging unpaid interest which I am sure down the road will result in delinquency ... and more late fees. What makes me furious is that I am setup on auto draft and when I check my account it says I AM PAID AHEAD! Here is a sickening example. I had one unsubsidized loan for {$2500.00} ( and change ) ... and after more than 10 years of paying that 6.7 % loan and literally 20+ principle payments, I still owe {$1200.00}. This is ridiculous, I've paid this loan off 10 times over. Funny how my payments for this loan were applied to my 2.7 % interest loans. How much do you plan on ripping me off for, sum total, over he course of 30 years - AES? 

For those of you who do not believe me, please search ripoff and other consumer advocacy sites for AES SUCCESS and their deceptive practices as well as their new scam the variable 'unpaid interest '' scam that appears to fluctuate depending on whatever they feel like stealing for that period of time. 

I am so sick of this company ... Had they applied my payments correctly, as opposed to strategically applying them to benefit themselves and steal from consumers like me, my loans would be nearly paid-off now. Disgusting and deceptive ... My only retailiation is Karma ... and to that end, I foresee a class action in the coming years. If I had the time, I'd start one now. 

Sincerely, XXXX XXXX
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services.  I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
I have receive several emails from a company that I do n't know and do n't remember receiving a loan they are threatening jail time prosecution and etc ... I tried to call the number twice and either it does n't ring or it is busy and the one time that I did get through I could n't understand the person and then when I started questioning him he hung p on me.
DIVERSIFIED CONSULTANTS IN is trying to collect a bill from XXXX for an account I have already disputed. I cancel service with XXXX within 14 days of starting the account, and was supposed to not owe them anything. They started by billing me $ 500+ and eventually tried to bill me {$98.00}, but should have billed me XXXX .... I disputed this before with another credit collection company and they did not provide proof it was owed within the 30 day limit and had it removed, only for it to appear again under this collection agency.
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.
After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame to collect.
Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.
Equifax 's poor security practices lead to the public disclosure of my personal information as part of a security breach that affected millions of people. Equifax failed to properly notify me of this breach ; after waiting approximately a month they only reported the breach through a press release and made no attempts to notify affected persons directly. Equifax is offering a credit monitoring service to affected persons, however acceptance of that offer affects your future legal rights.
Bank owners rob clients. 
I, XXXX XXXX, accuse the XXXX bank owners of conscious and notorious robbing clients by setting up accounts without overdraft limits. 

The bankers have set up this way a financial trap to charge clients illegal fees for overdraft. 

Oftentimes and not due to their own fault, people pay penalties of {$35.00} for overdraft of even a single dollar. 

The criminal procedure has been going on in the XXXX for decades, and as financial specialists estimate, people are robbed in the range of $ 40- {$60.00} XXXX annually. This is an intentional manipulation of bank accounts. 

The bankers absolutely can not defend themselves by the client agreement because in practice it is not an agreement for dictatorship. Once I asked a banker if he will open an account for me if I refuse to pay late/overdraft fees, he answered : NO. To a question if he can block my account when I use all my funds, he answered : NO. 

And the problem is very simple ; accounts should be blocked when the deposit is down to zero. 

This is how it 's handled in XXXX where I was in XXXX. The criminal system does not exist over there because the accounts are blocked when there are no funds in them. 
The XXXX banks, and along with them other financial institutions, commit the biggest theft in the history of this planet, which I estimate in trillions of dollars. I personally lost thousands of dollars in the XXXX banks because of this reason. 

Some of the richest people agitating and bribing influential people and use XXXX to achieve their dirty goals. This XXXX, and you as the government, you nothing can do with this, but I can do a lot in XXXX, this is my duty. 

In my writing to the government of XXXX you can read what penalties are meted out for wrong doing. However, very interesting is video on XXXX Wake Up Call. 

I, XXXX XXXX, request that you at CFBP initiate governmental investigation on these procedures. Please inform me if your legal status does not allow you to initiate this investigation, then I will send this accusation to the XXXX Attorney General. 

XXXX