WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me.
XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on my credit report
XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ), by phone once ( early XX/XX/XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the equal fax and XXXX ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are nowXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.XX/XX/XXXXThese payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy inXX/XX/XXXX and were out XX/XX/XXXX.
Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.
I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments
I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. 

I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. 

I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.
We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.
I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple
This account shows on my credit from XXXX XXXX XXXX I have no knowledege of the debt, I asked for verification and validation and haven't received anything. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. 
These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!
The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "
credit reporting show no collects it also show 3000 plus balance due which in correct if there is no collection why do the record show XXXX balance, remove this from my report are show to whom I owe
A collection company named Medi-Comm has reported a debt for a medical service I did not have with XXXX Medical Center. Ive contacted XXXX Medical Center numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
This is my second complaint about this company. 
I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated. 
As before i sent a written noticed to the company listed above on XX/XX/2019. 
The letter was signed and received on XX/XX/2019. 
I have yet to receive any verifiable documentation from the Credit Systems International. 
I also disputed this with XXXX  and XXXX. 
the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.
I have been penalized by PayPal after an error occurred during online transaction between PayPal and XXXX that prevented the transaction from completing. XXXX & XXXX was force to cancel the order and refund me the {$520.00} dollars. However, once the cancellation executed, Paypal released and processed the transaction taking the {$520.00} from my checking account even though XXXX & XXXX had cancelled the order. Paypal has applied a " pending '' credit to my account but has been holding my money for over 3 days. The transaction took place on XX/XX/XXXX, the cancellation was XX/XX/XXXX, the Paypal debt took place XX/XX/XXXX, my bank processed the withdrawal on XX/XX/XXXX. I was told that the funds were being held because my bank had not processed the transaction. I was able to prove that the bank had cleared the transaction. However the Paypal contact said that even though they had gotten the money from me, they could not release my credit because the system was automated and could not be changed to free up the money sooner. I am still our {$520.00} and I have no products from XXXX & XXXX. All I got was a call explaining that it was too bad, but nothing could be done.
I had a loan with world financial pay on time sometimes was late was a good customer payoff loan try to get a loan denied
I am complaining about SPS because they did not properly respond to the debt validation letter I sent. The ceo of SPS did not respond TILA recissionni sent. XXXX XXXX did not respond to the TORT letter I sent. All of these letters were sent XX/XX/2019. The three letters were ignored and my house was put in foreclosure. I would like for SPS to stop the XXXX sale date.
I am a veteran and all my school loans should have been paid or reimbursed though military.
I signed up to get all XXXX free credit reports on http : //freecreditreport.com/ on XXXX/XXXX/2016. I also disputed information to all XXXX credit reporting agencies and those things were taken care off. XXXX of those steps required an Experian, XXXX and XXXX logins to be created. I noticed that they charged me {$21.00} on XXXX/XXXX/2016. I logged in into Experian.com to see the situation. Their opinion is that I signed up for Experian Credit Tracker. I cancelled it right away on XXXX/XXXX/2016. I never signed up for that service. I already have the same Experian Credit Tracker through Experian ProtectMyID. I talked to Experian customer service ( XXXX, id # XXXX ) on XXXX/XXXX/2016. They said that they would not refund {$21.00} money.
William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section   604.
The letters are attached below.
Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.
Credit Agencies failed to prove 3 requirements and fa  iled to remove inquiries from my credit reports
Dear CFPB staff : I paid the statement balance {$2600.00} on XX/XX/XXXX to my Citibank XXXX XXXX XXXX XXXX account. However, I received an email from Citicards that reduces my payment to {$210.00} on XX/XX/XXXX. My bank account shows that both charges of {$2600.00} and {$210.00} were post on XX/XX/XXXX. I called Citicard and asked why you reduce my payment without my authorization. They agree to refund {$210.00} to my bank account. 

I ask the Citicard customer service to stop this illegal practice to reduce customer payment and charge high interest for outstanding balance without customer permission. 

I report to CFPB to investigate how many customers are victiums of this illegal practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NV XXXX
After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall.
I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. 
( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. 
( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. 
( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). 
( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. 
( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. 
( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. 
( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify.