WillisBack/dataset-financial-user-claim huggingface dataset:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.
Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court.
Today, I contacted both the Exchange Credit Program and  XXXX   XXXX   XXXX  to inquire about a debt that incurrent in  XXXX  of  XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since  XXXX   XXXX ,  XXXX  by  XXXX . I was told by the Exchange Credit Program the account was not transferred to  XXXX  until  XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report.     There are some many things wrong with the situation. (  1  ) The incorrect balance and added fee ( Which maybe be against the law ), (  2 ) Reporting  to my credit report without notice ( 3 ) Garnishment of tax returns without notice.     *****The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ********
On XXXX XXXX, 2018, a letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent ledger as supposed proof of this debt.
XXXX XXXX wanted to bill me full month dues oXXXX XXXX  for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.
My first mortgage payment with Bank of America was due XX/XX/XXXX. I scheduled a payment transfer for that date from my BOA saving account to my mortgage account. On the date the payment was due I noticed the money was not withdrawn for my account nor did I see any pending payments on the mobile app. Therefore, I made a transfer from my savings account to the mortgage account. Since then I have received numerous letters stating I missed my payment and can be taken to court. When I called customer service I was told I had insufficient funds in my account when the payment was processed and will incur fees. Again, I transferred {$1100.00} from my BOA savings to my mortgage account on XX/XX/XXXX.
Card was sent to an old address by Best Buy. Have informed both the creditor and the debt collection agency that the debt was not mine. Sent reports to each informing them of identity theft and asked for the ORIGINAL PAPER APPLICATION. All they keep sending me are copies of the bills. I have shown proof that I was in another state and they still insist that the debt is mine without any proof. I have been denying this account for several years and they refuse to produce/show me the ORIGINAL PAPER APPLICATION. And according to Illinois law they have to validate the debt with an ACTUAL PAPER APPLICATION. This account is now charged off and is in a negative standing on my credit report.
I have an account wi th Portfolio Recovery  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
On XX/XX/XXXX 3 checks cleared my account through US bank and 3 fees due to the merchant for the checks prior bounce. Leaving a positive funds of XXXX. Later on XX/XX/XXXX two electronic payments posted. One for XXXX would of cleared the other for XXXX did not. Of course the bank posted the larger amount causing more overdraft fees because they prey on low income individuals charging enormous fees. When speaking with US bank representatives XXXX and then the manager XXXX  they both said that checks will post to the account first then any Electronic funds. I was charged for 4 overdrafts fees - one for the check fees and the other 3 over draft fees for the electronic fees. I agree there is validity for 2 fees. There is a reverse of one over draft fee on XX/XX/XXXX for a XXXX charge on XXXX which XXXX said there was not a overdraft until I pointed it out ( I dont she was trying to find it ) .the XXXX service was cancelled. Good job there. But if I didnt point it out US bank would of gained another inappropriate overdraft fee. The manager XXXX was rude and short with me on the phone she spoke down to me sounding hostile and I attempted to point out that I had money in the account but I was treated without respect. 

On a different note Now they offer a simple loans ( Or in other words pay day loans ). I applied for but apparently I am over extended and did not qualify for one.
This, I believe, was a credit card that was STOLEN by my ex-husband ( XXXX XXXX XXXX and his son XXXX XXXX XXXX ). They maxed it out. I was trying during my divorce to pay more on the card than what was due but then I became very sick and have been on XXXX and 12 other medications since. And I have XXXX XXXX care between being hospitalized several times a year. I am receiving social security XXXX. I don't remember what credit card this is even about. But with this on my credit report as a negative I can't refinance my home. I need help with getting this cleared up desperately. PLEASE ... or I will be homeless next year. Thank you in advance.
On XXXX XXXX, 2015 I used my Wells Fargo ATM card to withdraw {$200.00}. Instead of issuing me the money, the ATM shut down, but did deduct {$200.00} from my checking account. That day, I filed a complaint via WF customer service ( telephone ). I was told my complaint would be settled in 3 days. After 3 days I called and was told it would take 10 days. After 10 days I spoke to WF 's ATM Manager and she said the investigation could take 45 days -- or longer. She basically accused me of trying to defraud Wells Fargo and when I asked if she considered me a criminal, she was silent. She was so abusive that I expected the police to ring my doorbell any day and arrest me! The Wells Fargo ATM Manager is an exceedingly rude, belligerent bully. Because of her -- after being a customer for 35 years! -- I decided to close my Checking Account and went to my local branch at XXXX XXXX XXXX, XXXX where I spoke to Service Manager XXXX XXXX. 

This was on XXXX XXXX, 2015. XXXX XXXX told me that because WF has issued me a " temporary credit '' of {$200.00} while it investigated my ATM claim, I could not close my account. On XXXX XXXX I wrote WF CEO XXXX XXXX a letter explaining what happened and telling him that WF was holding my checking account hostage ( not allowing me to close it ) and I offered to let him keep the disputed {$200.00} -- just let me close my account!!! He did not respond. Around XXXX XXXX, I received a letter from WF saying the company was still researching my complaint. On XXXX XXXX, I sent another letter to XXXX telling him again that I want to close my account, and I included a check for the disputed {$200.00} hoping that would induce him to allow me to close my account. Did n't happen. 

Around XXXX XXXX, I received a letter saying that the claim was finalized on XXXX XXXX in my favor. With that notice Wells Fargo was, in my opinion, admitting that I am not the criminal that the ATM manager called me. I did not try to defraud the company, something I knew all along. 

At the end of XXXX, I received a call and letter from XXXX XXXX, ATM/Debit Card Executive Office. We spoke around XXXX XXXX. I told her I want to close my checking account and asked if I could do it over the phone. She said yes and put me in touch with someone who took all of my information and said I would receive a check for the remaining balance in the account ( {$1500.00} ) within five days. I just looked at my account online a few minutes ago and it appears not to have been closed and the {$1500.00} remains in my account -- unreachable by me. If I try to write a check against the {$1500.00}, WF may claim that I knowingly wrote a check against a closed account, even though the account appears to be open. So the money just sits in the account, frozen in time. 

What must I do to close my checking account with Wells Fargo? It has been more than 90 days since the ATM incident and it 's going on 3 months since I first tried to close the account on XXXX XXXX. In the meantime WF has my money and is not letting go.
I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.
Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX
I am unable to see the credit score in the XXXX  XXXX XXXX mobile App ( Free FICO Score ) from inception ( around XXXX months ). The XXXX XXXX employees are least bothered to resolve the issue and only interested to catch fight with me, those bunch of idiots have only one answer that I am new customer and that's why it is not visible, it would be automatically visible after " few years ''. They even don't know the number of years in their so called " few years ''. I believe XXXX months is pretty long tenure to populate FICO score. 

From around XX/XX/XXXX, I am following up with the XXXX  XXXX XXXX but its service is extremely unprofessional and they are not reporting my SSN to the transunion. 

I called to Transunion at XXXX XXXX XXXX at around XXXX XXXX  on XX/XX/XXXX and I have been told by Transunion representative XXXX that XXXX XXXX  XXXX is not reporting my SSN to transunion. XXXX  XXXX XXXX reports my address, birthdate, age, address and my payment history. 

It would be great relief if I would be able to see the FICO score in the mobile app of XXXX  XXXX XXXX.
Letter to Equifax : XXXX : XXXX XXXX Corporate Wrongdoer Maneuvers in Memory ' : Equifax Forces Potential Victims to Give Up Legal Rights https :  XXXX In light of the security breach of 143 million credit files which we not informed of by Equifax, but found out about through media outlets six weeks after the  fact, are you offering any free access to our files -- without our being forced into Arbitration agreements? 

No burden should be on the shoulders of the public, since this was wholly a fault of Equifax through a failure to protect our records. As a result, we should be informed, from you, as to whether or not we were victims -- not the other way around. Also, we should not have to be victimized ( possibly further ) through unscrupulous legalese setups. 

The onus should be completely yours. Moreover, it is only ethically straightforward that free ( current ) credit reports to all 143 million victims would be offered, without any strings or entanglements. 

Looking forward to your response,
Over 30 days ago I noticed a withdrawal from my HSBC account. Someone wired money from my account to another account in Illinois. I contacted my account and they were able to get a hold of the other bank and stop the distribution of my money. I have now waited over 30 days for the amount of {$400.00} plus a {$35.00} service charge to be put back in my account. It takes over an hour to sit on hold waiting on someone from the fraud department to get on the phone and when I do no seems to know when I'm getting my money or what is going on.
I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).
I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.
I paid my XX/XX/XXXX mortgage payment at Chase bank, XXXX XXXX XXXX XXXX, NV on XX/XX/2016. I called the automated system on XX/XX/XXXX & XX/XX/XXXX to make sure that payment had posted to my account. The payment was not there.I called the branch on XX/XX/XXXX and was told they could see my payment in the system, so I contacted the call center and was told the teller made an error, but my payment would be posted. I called back on Monday, XXXX XXXX and was told it would post by the end of the day. I called back on Tuesday and once again I was told it would post by the end of the day. On Wednesday I contacted the call center, asked for a manager, and spoke to someone that was extremely rude, she told me " humans make mistakes '', and then she hung up while I was still speaking. I called the branch manager, and was told she could n't get a response from anyone at the call center regarding the posting of my payment. 
She gave me the number for Corporate, but this is still unresolved. Where is that payment that I made on XXXX XXXX?
I believe that AES is trying to collect on a student loan that was payed in full. The original loan was made with XXXX XXXX. The following accounting is from AES ' own website which I have attached. On XX/XX/XXXX, the loan was consolidated in the amount of {$21000.00}. On the same date XX/XX/XXXX, the next entry indicates an adjustment and a balance of {$19000.00}. The following payment onXX/XX/XXXX brought the balance to XXXX. On XX/XX/XXXX, I paid the amount that was due, {$19000.00} which is the sum of the displayed principal balance of {$19000.00} plus the interest of XXXX. At the time I made the payment I was in deferment status. I began receiving notices from AES in XX/XX/XXXXstating that I owed no money. In XX/XX/XXXXof last year, XX/XX/XXXX, I began receiving bills that money was due. In XX/XX/XXXX I called them to explain that it was my understanding that I did not owe any money because I had paid off the student loan years earlier. AES is currently stating that I owe a balance of {$1100.00} and interest of {$700.00}, interest rate 4.875 % and with late fees and accrued interest. With a Due date of XX/XX/XXXX. I spoke with them again FridayXX/XX/XXXX again requesting the accounting. What I am looking for is a detailed accounting of the loan history. I am upset that after 12 years they start billing and demanding payment. They are unable to explain the details of the money that is due. They never explain the triggering event of why after 12 years this became due. I checked the nslds.ed.gov website and the {$1100.00} is in fact in that system. If there IS that balance due that may have been owed, they never have been able to explain where that balance comes from nor the accrual of interest and the calculations used to demonstrate the accuracy of this billing. I am willing to resolve the matter, but I believe it is reasonable to expect that the billing agent demonstrate how their alleged balance has been calculated. In lieu of full payment, the threat of further penalties and interest absent this accounting feels more like extortion than a sound and reasonable business practice.
I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.
I am trying to close a Bank of America Credit Card. There is no way to do so through the website. When I called the customer service number on the back of my card, I was on hold for 55 minutes before a rep answered. I was then transferred to a different rep who could not resolve my issue. 

Furthermore, I had signed up for recurring payments. I canceled recurring payments several times beginning three months ago. Bank of America continues to withdraw {$400.00} per month including on XX/XX/2018.
XXXX XXXX IS A COLLECTION AGENCY THAT IS STATING I OPENED XXXX CELLPHONE ACCOUNT XX/XX/XXXX I HAVE NOT OPENED AN ACCOUNT WITH XXXX AS IVE HAD XXXX. I USED TOO HAVE XXXX YEARS AGO BACK INXX/XX/XXXX. ACCOUNT NEEDS TO BE DELETED AS IT IS FALSE INFORMATION ON MY CREDIT REPORT. AMOUNT STATING OWED {$1100.00}.
Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX
Have called place of employment in spite of being told in past no calls to place of employment. 
Called CELL phone, in spite of being informed cell phone is company cell phone. 

Multiple calls to home phone, and with call blocked, will turn around and call multiple back yo back times. 

Have NEVER first received and kind of notification of debt that are trying to collect via mail.
I started receiving numerous robocalls from  Southwest Credit Systems  several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all  3  of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ).  I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from  XXXX  twice in a row on  X/XX/17   , from  XXXX  twice in a row on  X/XX/17   .  XXXX  2 times in a row at  XXXX  and 2 times in a row at  XXXX  and  XXXX  on  X/XX/17   . From  XXXX  on  XXXX  and  XXXX . They called 6 times from  XXXX  on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and 6 times from same number on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX ,  XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.