WillisBack/dataset-financial-user-claim huggingface dataset:
On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit.
I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Navient, who serviced  XXXX  of my student loans, just sprung on a final notice to pay on a delinquent account because it 's 210 days overdue on the amount of  XXXX  in interested. I have  XXXX  documents from  XXXX  loans them saying that I paid them off in full last year on  XX/XX/XXXX ,  XX/XX/XXXX , and on  XX/XX/XXXX . The {$35.00} is for  XXXX  student loans that have a {$0.00} principle and have a completely paid off memo from them.  XXXX  loan requires a payment of {$15.00} and the other {$19.00}. The date for the 8th delinquency notice is dated  XX/XX/XXXX , final notice is dated  XX/XX/XXXX , for the default is one day later (  XX/XX/XXXX  ) which is today. There are no other delinquency notices. The statements from Navient say that my loan is paid off and that, " we were glad to have you as a customer and wish you the best in the future, '' indicating to me that there was nothing more outstanding.
I have an open loan with Lendmark financial in XXXX XXXX XXXX my wife was checking my voice mail over the weekend and the office left a msg on my voice mail that they was calling about my XXXX payment and where they was calling from, this broke the privacy policy, which cause a lot of problem 's at my house
I was sued for a credit card that was almost past the statute of limitations and had been sold to collections, and I have been paying for the judgment for 2 years now and am not even halfway finished. They are not willing to settle the account, even though I have paid monthly and have not missed any payments. The debt is now almost XXXX years old, and I am willing to settle it for half the current balance, which is far more than the collection agency paid. I can not purchase a home until this is paid, and it has been on my back for a decade. I am an immigrant and did not fully understand the credit card or the collection process, and now it is keeping me from buying a home ten years later.
I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.
I notic

ed a year of so 2 derogatory marks open on my credit report. When I looked into it. I realized these were not my bills, but my daughters, and her ex ' who has custody of children. I took them to some appointments if parents were uncapable to that day, But was never, ever financially responsible for their medical payments?.

1-Once mistakes noticed I called dr 's office to correct mistake first..'unfortunately they said they had no info because folder went to lawyer 's office to collection '. I have called Lawyer listed on credit report numerous times, and even emailed him. Explaining situation and also giving him my daughter 's name and address, I also gave information pertaining to children 's father '' such as full name, and address ... informing him again, and explaining the mistake in detail. Requesting him to please correct it..Instead he just changed/updated date on report. orignal debt from XX/XX/XXXX..now is XX/XX/XXXX giving him 7 more years to collect and stop it from falling off my file on credit report. I have disputed it with credit reports, tried to work it out with lawyer, but its still on them. I 've supplied childs parents billing information.these 2 derogatory marks look really bad on my credit report and I think its a shame that I was unable to reasonably have them removed..when I even tried to help XXXX XXXX collect debt by supplying him with correct debt owners name, Addresses..he has not responded from my emails or voice messages?
Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided  one  to them. This statement has not been posted.
They are calling for my son ( XXXX XXXX ) after I have told them that he does not live here. I have told them not to call, and they keep calling.
Re : XXXX Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a XXXX bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company AZCAR Inc. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
AZCAR Inc. had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by AZCAR resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against XXXX bank proves wrongdoing by AZCAR Inc., debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
Capital One has on record from XXXX XXXX when I was robbed and identity got stolen more than once. Everyim I pay off the balances there were more pending charges that just exploded and I could not keep up. I talked to capital one many times and they have bank records and legal records of my continuing problem oh ID theft from XXXX XXXX to now. Capital one is the only credit company that is taking this unfortunate event and destroying my life and credit by reporting the fraud activities on my report even though they have police and bank records to proof that my account were all simultaneously hijacked and I was helpless. I need help and capital one is blocking my accesss to let 3rd party representations have access to my account records for review. I need help.
I opened an account with Amazon.com in XXXX XXXX for an Amazon Store Card through Synchrony Bank. I made a payment on XXXX XXXX, XXXX for {$100.00}, however, it was before the bank had produced my first monthly statement on XXXX XXXX. This satisfied my XXXX payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from XXXX XXXX - XXXX XXXX, XXXX. Unfortunately, when I logged into my online account Today, XXXX XXXX, XXXX to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statement explaining this error in arithmetic. When I called their customer service, I was told my payment had been set for the XXXX of every month, which I never consented to, was notified of, or was made aware of. Clearly, this was not the case when I made my payment the previous month, since there had not even been a statement made available yet. The customer service representative removed the {$25.00} Late Fee that was charged to my account, however, it will still appear on my credit report as a late payment.
I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.
Great Lakes sent my account to a loan service group named XXXX XXXX and I received a notice by the us dept of education that I would be garnished for non payment of loans in early XXXX. I was in forbearance with Great Lakes and I didnt receive any notice that my forbearance ended. I contacted XXXX XXXX immediately and was told I would be garnished for $ XXXX+/- a month until loans are paid ( {$12000.00} ). I explained that there is no way I can afford this, but I would be willing to pay up to {$300.00} a month. They asked me to fill out documents on my bills, and I did. We went over this in detail during our initial conversation. During this conversation, I was told I could make on time monthly payments for 10 months at $ XXXX/month and that will bring me back on track. I was happy to have this option. I mailed them in as instructed to, and was told they would get back to me with my arrangements. I never heard from them. I called them the first week of XXXX and was told that they never received the documents, and since they didnt, there was nothing they could do. They have moved forward with processing the garnishment and the amount is almost {$800.00} a month. I made this clear that this would put me at risk of losing my home, and assets, and they didnt care. I have no options at this point and I am scared.
This program did not offer the correct issue for this problem. This credit card had a XXXX balance for two years and by mistake I posted a payment that should have gone to my electric co. 

In XX/XX/XXXX we had paid off a XXXX/Capital One credit card # XXXX XXXX XXXX XXXX. I have documentation of that Card being paid off in full. I kept the vendor active within my ON-Line banking " pay bills '', I did not inactivate the account. 

In XX/XX/XXXX I received a XXXX XXXX ( electric ) bill for XXXX, I thought I sent the payment electronically to XXXX XXXX until I noticed a few days later, I incorrectly sent the payment to XXXX/Capital One, as P was right after N in my online billing. As soon as I noticed, I called my Bank ( XXXX XXXX ). They said to contact the vendor ( Capital One ). Capital One and XXXX  have dissolved as partners and my account no longer exists. I've written two letters with all the attachments, I've spoke to Capital One a total of 5 times since XXXX with no resolution, no help. I have the bank transaction of Capital One taking my XXXX, I can also prove that I had to pay XXXX XXXX within the next two days the sum of {$400.00}. I have the bill. I just want my money reimbursed from Capital One. I had got this dispute elevated to Monetary Research and no one has contacted me either written or by phone.
XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. 
This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need
I did a VA construction loan. The mortgage company allowed the contractor to overdraw the loan. The bank allowed the contractor to exceed the contract time line to complete the home without my permission. The Bank sent me all draw request the last XXXX the contractor did not complete the work and I did not sign the mortgage company still dispersed funds. The contractor abandoned the job. The mortgage company allowed for my to apply for the refinance to complete the home with a new contractor. The mortgage company agreed to finance the completion of the home. When the home was completed they refused to pay the contractor the agreed amount and said they would only agree to a 90 day loan. I was force to return to the original loan and pay the contractor the remaining funds which depleted my saving and maxed out my credit cards. Then the mortgage company stated that the i would need an additional XXXX for taxes even though the taxes were escrowed at closing.
I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.
Nationstar hired XXXX XXXX XXXX to forcibly enter our investment property and removed everything ( {$8100.00} ) and destroyed our yard with roundup and cut all our trees. Even though the log in sheet, left on kitchen counter, stated winterizing, they took items we used to winterize the house. When NS was originally asked about the break in, they stated that we were in good standing and they did n't order an inspection. It was n't until I found out it was XXXX employee who removed everything and they had a work order from NS to perform these debri removal did NS tell me that no one was suppose to go into the house, only take pictures of the outside. The police investigation concluded that it was XXXX employees who took everything. They had a XXXX page inspection report and paid by NS. XXXX turned the issue over to their claims office. Nationstar now refutes all allegations of illegally entering the property because they hold the deed of trust and they determined the house was abandoned and unoccupied. There is NO way to tell from the outside no one was living there. We had spent 80 hours cleaning, staging and repairing this house after having to get court order to evict the tenants. The power was on. The a/c was on. There were lights on. A realtor had just left the house with in the hour. The security guards were never asked about the status of the house. AND our primary house mortgage is also with Nationstar. We received a letter from Nationstar on XXXX/XXXX/16 stating that if payment for XXXX 2016 and XXXX 2016 was n't paid by XXXX XXXX, 2016 foreclosure proceedings would XXXX. Payment in full was sent on XXXX/XXXX/16. NS received it on XXXX XXXX, 2016. The break in by XXXX was XXXX XXXX, 2016. 
Nationstar Mortgage mistakenly issued this work order two weeks too early. We feel they are using bully tactics on us little people so they do not have to admit wrong doing or repay us for damages. We 've just survived the XXXX 10 days ago and just do n't have the time or money to make Nationstar do the right thing. All we 're asking is to be where we were before Nationstar illegally removed our property from our house. We had to follow the law to get the tenants to vacate the property. Nationstar is no different. They 're not above the law. Any assistance in this matter would be much appreciated. 
Please adviseXXXX property address XXXX XXXX XXXX XXXX XXXX, TN XXXX Loan # XXXX Nationstar reference number XXXX Recap Nationstar first said it was n't them that ordered the removal of our property. 
XXXX. Then stated Assurants was just suppose to take pictures of outside XXXXRefuses to provide us a copy of the XXXX page inspection report so we know what was done to our house. 
XXXX. Police investigation determined that Nationstar did order the removal of our personal belongings. 
XXXX. Now refuses to repay us for damaged accured do to their mistake.
I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.