WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XX/XX/XXXX I went to the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX to make a deposit to my Savings account. I was making one deposit that consisted of {$11000.00} in cash and a check for {$690.00} ( for a total deposit of {$12000.00} ). My receipt shows a total deposit of {$12000.00}, my deposit slip online shows a total of {$12000.00}. 

The next day Bank of America posted an " Adjustment/Correction Of Posted Item '', debiting my savings account by {$350.00}. After reviewing all of my documentation, there is absolutely no reason for them to have taken this money out of my account. After repeated calls to customer support, the individual branch, and the Fraud department, Bank of America still can not tell me why they have taken {$350.00} out of my savings account. I had a Fraud Claim opened up as well as a request to fix this mistake and Bank of America is doing absolutely nothing to resolve this. I need this {$350.00} debited back to my account.
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... .. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX  but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX  and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.
Hi, Thank you in advance for your help. I get my pay check first of the month, the due date on my credit card is the XXXX of the month. I have capital one XXXX XXXX. I wrote them a letter requesting that they change the due date from the XXXX of the month to the XXXX so I can make the payments, that way I wo n't charged late fee of XXXX  which I was charged last month. If you could please help me.
Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX   misrepresented the response. 

The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program. 

I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this. 

Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX
On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.
Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter
Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.
I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.
XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.
XXXX XXXX must be forthright, must be truthful, must not play games, you must answer this question, you must produce the documentation, you must " PROVE UP ''. 

Occ # XXXX -published Cfpb # XXXX Letter Dated XX/XX/2017 Chase sai the exact ; XXXX funding securitized the loan into a mortgage trust for which XXXX XXXX was the TRUSTEE. 

Prove up with documentation that XXXX XXXX was trustee of above said XXXX loan? 

DO NOT CONTACT CHASE.
Chase charged XXXX overdraft fees for XXXX check for {$1200.00} that overdrew the account. The acount has reverse positive pay and the item should have been pending for review before payment.
I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.
XXXX  XXXX XXXX ( ( Account # XXXX ) sold by mortgage to Carrington Mortgage Services (  Account # XXXX ) with a transfer date of XX/XX/2018. Since my payment was due on XX/XX/XXXX, and XXXX  XXXX XXXX sent me my bill for my XXXX mortgage payment, I paid XXXX XXXX XXXX. I then set up online banking to pay Carrington Mortgage for XX/XX/XXXX. I was notified by Carrington that they had received my mortgage payment for XXXX and it was past due. I told them I paid XXXX XXXX XXXX since they sent me a bill for XXXX and that the transfer date was later than my payment due date. They said that XXXX  XXXX XXXX would transfer the money to them. Since XXXX, Carrington Mortgage has threaten to report my late payment to credit reporting agencies and they have sent letters attempting to collect my missing payment. I have spoke with Carrington no less than seven times, sent them my XXXX XXXX bank  statements showing where XXXX  XXXX XXXX was paid on XX/XX/XXXX as instructed. I called XXXX XXXX XXXX and got the transaction ID # XXXX for the transfer of monies to Carrington Mortage which included my mortgage payment of XXXX dollars. They still deny receiving of finding my XXXX payment and have thier collection department now calling me.
My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.
Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.
My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Bank of America 's Mobile Transfer service. Bank of America sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction.
On XXXX XXXX, 2017 XXXX XXXX of First Direct Lending ran my credit report without asking for my permission. 
XXXX XXXX PA XXXX XXXX Phone : XXXX Fax : XXXX XXXX XXXX Loan Consultant | XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX | Fax : ( XXXX ) XXXX NMLS # XXXX # # # # # # # # # # # # To First Direct Lending. 
Please be advised you and First Direct Lending ran my credit report without my permission nor knowledge. 
You asked for my SS number and personal information without asking for explicit permission. 
It was only after I asked you if you ran my credit you admitted doing so. 
You and First Direct Lending will be reported and prosecution will ensue. 
Please understand and read this email that is very clear I know my rights under the Fair Credit Reporting Act.
I recently met with my Realtor regarding my purchasing a new home. After pulling my credit report. I was informed of a collection from IC Systems. I saw this previously and disputed. This collections with XXXX. To no avail, as always XXXX sided with the Credit collection agency. Without receiving any proof of validity. So I went looking for any paperwork. I never signed an agreement or authorization with XXXX, or IC Systems.I also, did not sign an agreement of recurring monthly payments with XXXX or IC Systems. I was asked if I 'd be interested in signing up for Optimum Wellness Plan. That was it.I was charged for a Wellness Plan.I was charged for my 1st month payment.I was never given or received a copy of a signed agreement, nor was I informed that I ' d be charged a monthly recurring fee. I wouldnt have agreed to that. Seeing as I never utilized the Wellness Plan.I received the attached document that I was given. No signature b/w myself or XXXX or IC System.
Our servicer, Seterus is the worst! For several years we have been going back and forth relative to impound issues. Finally, after an NOD we submitted to their tactics and did a loan modification ( while still disputing that there is any negative impounds. I've paid the taxes and insurance personally forever, even when we fell into financial difficulties and got behind on the mortgage we always paid the taxes and insurance - yet Seterus kept adding on and saying that they did not get notice from the county or carrier - they paid, we paid after so many years there is a large overage somewhere and Seterus just doesn't know how to research ). Needless to say we paid on the 3 month loan modification on time - XXXX, XXXX, XX/XX/2018. We passed this and signed loan mod for good. Well, no statements ever came - instead we started getting collection calls asking for XXXX per month - I disputed this in several calls with Seterus stating that amount was very high and that we paid only {$550.00} during trial - to no avail. I even sent a payment for XX/XX/2018 in the amount of {$550.00} yet it never got applied as I never got a statement. I'm XXXX years old, have owned this house for long time and the financial confusion relative to taxes and insurance has literally killed me. They have yet to reconcile with county on the taxes and keep piling the account on. Finally in XX/XX/2018 they send first statement and of course it's asking for funds to cover XXXX on - even though I sent them a check ( probably got credited to someone else 's account ). This company is unnerving and acts more like a loan shark than servicer. They keep telling me that even though I didn't get any statements for 3 months I still should have made payments - I said which amount? your collectors amount or the amount that finally got sent to us. I'm XXXX and this is ridiculous.
I have been turned down living circumstances and other financial services because experian and XXXX XXXX XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
I have a student loan that I took out in XX/XX/XXXX. I've been making payments on this loan for almost 10 years. The original loan balance was about {$7600.00}. My balance is now about {$5700.00}. I looked at my loan payment history at Navient and found out that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of XX/XX/XXXX, my entire payment was applied to interest only. I talked to Navient today, and they told me that in XX/XX/XXXX, I signed a graduated repayment plan agreeing that my entire payment would go to interest only. I can't believe that it is legal to keep a person in debt this way. I want an adjustment on my outstanding balance with Navient to reflect that previous payments should have been divided between interest and principal.
Each time I setup payment plan a new holder took over my loan account. This made it difficult to keep up with loan amounts. Whenever my account fell into a new owner and my account was brought current, the balance increased drastically each time. My original loan amount had now increased in double the original balance.
I obtained all XXXX of my credit reports and my XXXX credit report shows a 90 day late payment, dated XXXX of XXXX. This is XXXX XXXX so this information is 7 years and two months old. As per the Fair Credit Reporting Act, my rights as a consumer are that a consumer reporting agency may not report negative information that is seven years old. I was denied for a conventional home mortgage due this piece of information that is not even supposed to exist on my credit report, as of 2 months ago. I need to have this remedied and appreciate your help. Thank you, XXXX XXXX XXXXXXXXXXXX
Equifax and XXXX are not updating my credit report for one negative item. Equifax and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. Equifax and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.
I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.
They raised my monthly payment from {$170.00} per month to {$560.00} at the beginning ofXX/XX/2018. I was told over the phone that I don't qualify for a lower payment plan now. I am currently in forbearance for one year.

I tried to apply for loan forgiveness because I've consistently paid my loan and worked full-time as a XXXX XXXX XXXX  for 12 years now. Federal Student Loan.gov turned me down, saying that I didn't have the right kind of loan ( PSLF ). They told me to apply through Navient. I found the Navient XXXX  loan forgiveness form, but my financial officer at work says that it's not the appropriate form. I can not find an equivalent form for Navient civil servants loan forgiveness.

I've read about the lawsuits against Navient. I had student loans through Sallie Mae before Navient took over. Likewise, I've read that it may not be wise to refinance through XXXX XXXX. I would have to start all over to qualify for the loan forgiveness.
I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.
on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.