WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX <XXXX> XXXX XXXX ( 4 minutes ago ) to  me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.
I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.
To Whom It May Concern : I received an alert from XXXX, XXXX and XXXX about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to XXXX  by XXXX. I have received a response that clearly violates my rights according to HIPPA. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.
My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.
XX/XX/XXXX I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Bank of America 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.
XXXX XXXX- is suing me for {$730.00}. I attempted to log into their system to settle the debt. The system, would n't even recognize the account. I tried to find an email address to write them. I could not. Only a telephone number with a horrible automated system. 

On my credit report XXXX stated it is a " new '' credit and listed it as " new account '' this should be Illegal. 

I would gladly have been willing to settle with them, 1 ) attempted to contact me under the FCRA 2 ) Had my account accurately in the system 3 ) had an accurate amount of the balance in the card What can a person do, when a company, sue 's as first point of contact and makes it impossible to contact anyone at that company with a paper trail for court documentation? 

Please Please help ... .Every attorney wants more money than this sum and the Company Knows this.This is extortion and bullying tactics. Pay up, we violated the law, we know you ca n't fight this ... .Pay up.
To whom it may concern, I have an issue with XXXX XXXX, Experian, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that XXXX Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my Experian and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to Experian, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to Experian, XXXX, and XXXX, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. Experian and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,
in XXXX I filed for a chapter XXXX protection in XXXX, i was making my payments and due to my health i had to quite working I was unable to make a chapter XXXX and the case was not discharged. I moved to XXXX XXXX and in XXXX filed and received a discharge for a chapter XXXX for the creditors that was listed in the XXXX chapter. Transunion reported it as a chapter XXXX discharge in both XXXX and XXXX, even though the XXXX chapter XXXX was not Discharged all the other credit reporting agency have removed the public record but for some reason Transunion has not. I have checked with the court in XXXX and they say that it has not been discharged but Transunion keeps insisting that they can verify the information. The fact is it is against the Bankruptcy code to file and have discharged two chapter XXXX with in ten years. I do not know who they are verifying there information with but i know that the one in XXXX should not be showing discharged I am just trying to get the correct status on recorded and not be dinged for the same thing twice. Docket # for XXXX XXXX
This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 
XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.
I have a Bank of America credit card. Last XX/XX/XXXX I took advantage of 0 % APR balance transfer offer that they had that offered a balance transfer at 0 % APR until XX/XX/2018 for a one-time transfer fee. I have transferred balances to this credit card earlier without any issues so I was not expecting any problems this time. However, when I happened to check my credit card balance this month, I noticed that I was being charged a 1.99 % APR. I have tried calling Bank of America several times and even spoke to one of their supervisors but could not get anyone to help with fixing this. The Customer Service manager transferred me to Sales and Sales says that they only deal with new credit card applications, not existing cards. I have spent over two hours on the phone with different people at Bank of America and no seems to know how to fix their error and get me my promised 0 % APR offer. I took advantage of this offer online but checking back, I do not see any email confirmation from them. I do n't have any documentation to prove my claim but since it was done online, there should be a record of this transaction with Bank of America. Their XX/XX/XXXX statement onwards shows the wrong offer ( 1.99 % APR instead of 0 % APR ) on the statement.
All the inquiries fromXX/XX/XXXXandXX/XX/XXXX are not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score. 
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.
Synchrony bank has multiple accounts and some of the accounts are not mine. Also they reported that I have made little or no payments when I have records of every single payment I paid to them. They also claim that they refunded my account for late fees because they were auto debting prior to the due dates as well as charging late fees ( although I did see it reflected in my balance at all ).
I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.
In  XXXX   XXXX  I look a title loan out on my  XXXX   XXXX   XXXX  from Title  Max  in  XXXX   XXXX , IL.   On  XXXX   XXXX ,  XXXX  I filed for Chapter  XXXX  Bankruptcy. My bankruptcy was discharged on  XXXX   XXXX ,  XXXX . The loan was  discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.
On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXXXXXX for validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to Experian and XXXX on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments
Mr. Cooper Mortgage Company 1. Paid off {$35000.00} in two payments at end of XX/XX/2018 and beginning of XX/XX/2018. 
2. Requested company adjust payment due on Adjustable Rate Mortgage Loan on future payments reflecting reduced principal on XX/XX/18, XX/XX/18, and XX/XX/18. 
3. Company sent information saying issue will be resolved by XX/XX/18. It was not. 
4. Mortgage company has continued to withdraw the incorrect payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I was charged 29.99 %, and I am supposed to have a 24 month no Interest Promotion.  I contacted Synchrony back every month about the charge. I have been charged {$330.00}.
Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
On XX/XX/XXXX, I provided a cashiers check in the full amount of endebtedness outstanding of {$62000.00} payable to Bayview Loan Servicing LLC to XXXX XXXX XXXX XXXX to stop a trustee sale of the property at XXXX XXXX XXXX XXXX XXXX, Idaho XXXX that I received by deed from the prior bankrupt owner as part of a Bankruptcy Court ordered settlement of my judgments against the prior bankrupt owner.

Because I paid off the entire loan, Bayview should have recorded a release of their deed of trust.

In XX/XX/XXXX, I am attempting to refinance my property, and title shows that the deed of trust has never been released.

My title company has been contacting Bayview for months with no results.

Can CFPB get Bayview to release the paid off deed of trust?
I received a letter from the collections agency ERC dated XX/XX/2018 addressed to my address with an incorrect spelling of my name stating that I owe {$290.00} to XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and do not owe this money. I do not want to contact this company directly for fear of them trying to get more information from me.
Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX.
I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.
i am ( XXXX XXXX ) the Executrix of my aunt and uncle, XXXX and XXXX XXXX estate. My aunt was in a nursing until she passed in XXXX of 2014. She incurred bills from the nursing home in the amount of XXXX plus. Her debt is coming out on my credit report. I am not the responsible party only the representative/ Executrix and thus have no personal liability for this debt. I sent TransUnion all documents showing this is not my debt and they will sont remove this from my credit report. i need this off of my credit report.