WillisBack/dataset-financial-user-claim huggingface dataset:
I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?
A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you
I was employed at XXXX from XX/XX/XXXX through XX/XX/XXXX. I opened an employee checking and savings account because my direct supervisor, XXXX XXXX XXXX, XXXX XXXX # XXXX, ( fraudulently ) informed me that I was required to maintain such accounts due to my employment with XXXX. 

After my employment ended, I tried to close my account, but was verbally told that I must come physically into a branch to do so. I am a XXXX XXXX, they were aware of it, and it was difficult for me to do so. 

I made two written requests. One on XX/XX/XXXX to Relationship Manager XXXX XXXX subsequent to a phone conversation with her where she specifically told me I was physically required to come into a XXXX branch to close the account and could not close out the account by ACH .Second, a letter written notice to XXXX Executive Offices that due to a failure to respond to my request of XX/XX/XXXX, I would escalate this matter to Regulators. No response was received. 

In an ethics complaint filed, XXXX stated that XXXX acknowledged receiving my " letter of XX/XX/XXXX ''., but they freely admit that no action was taken until XX/XX/XXXX, a delay of over 6 weeks. 

Please advise what action is required of me to escalate this complaint.
This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her.
1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.
I am XXXX XXXX, I did wir transfer from my account in XXXX XXXX XXXX to buy car from a company in USA this company has an Account in Wells Fargo bank I transferred money to them account but they was not trust so I called my bank to cancel the operation and they did request that but Wells Fargo not accept until this day I did receive my money or the car now it is 3 year just trying to do anything to return my money please help me please I am in bad and I have XXXX children. 
Best regards XXXX
In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance.  My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX
In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.
XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.
The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.
I have had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.
Intially on XXXX, I disputed information on my credit report by writing to bureau of Equifax and received no communication whatsoever from Equifax ( in which exceeded 30 days ) a result of their investigation. So on XXXX/XXXX/XXXX I contacted Equifax in regards to information on my report following the breach that was incorrect, suspicious and also to dispute. After being told by two different reps I needed to do online that they were not disputing items over the phone. I tried a third time to Equifax and was able to do so. My issues is on XXXX/XXXX/XXXX I disputed names, inquiries and accounts on my credit report, however their investigation was resolved on confirmation # XXXX ( name removal ) on XXXX/XXXX/XXXX confirmation # XXXX ( inquiries ) on XXXX/XXXX/XXXX and confirmation # XXXX ( collection accounts ) on XXXX/XXXX/XXXX. When I received information that their ( Equifax ) investigations were complete via email.I called in to discuss results. The rep told me that all information was factual on my report, however when further questioning, how did they ( Equifax ) verify information and what method of verification was used, the rep could not answer my question. I was advised that I should place a fraud alert on my credit report and that I should re-dispute information. So I did on XXXX/XXXX/XXXX however, I have continued to receive inquiries after the fraud alert has been placed on XXXX/XXXX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX showed up as hard inquiries after the fraud alert was placed and Equifax states they are factual inquiries despite the fraud alert and my denial of being responsible for those inquiries. 
I recieved document ( credit report ) in mail from equifax confirmation # XXXX with there results of completion dated XXXX/XXXX/XXXX which was on 2 days after intial disputes were created. 
For the inquiries dating back all the way to XXXX I disputed all inquiries with no avail, they still remain on credit report. They ( equifax completed investigation on the same day in which dispute was created ). There is no way that my file was investigated properly at all. 
for collection accounts again dispute created on XXXX/XXXX/XXXX and completed by XXXX/XXXX/XXXX on the accounts of : XXXX XXXX collections amount XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX then theres a company of XXXX with two account numbers ( 1 ) XXXX ( 2 ) XXXX that states they were verified but has no account information on my report as to who or what amount is owed, which was initially disputed because I have never had accounts with a company by that name. 

I would like the above issues investigated, Equifax is not verifying information, nor providing the methods of verification to me as a consumer, in which under the FRCA i am entitled to all information including documents or contracts Equifax has on file, and they have not provided as of date. However, my investigation has been completed, they have not produced the information i have requested from Equifax in writing and also by phone.
My loan servicer AES will not follow up with the lender XXXX  ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.
I am writing in regards to my property located at  XXXX   XXXX   XXXX . I have filled many previous complaint with your office.     I received a letter from Nationstar Mortgage dat e  d  XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until  XX/XX/XXXX  to cure the default. If the default it not cured by  XX/XX/XXXX  it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property.     Before I could respond to the letter I got a letter from Nationstar 's atto rney   XXXX   XXXX   XXXX   XXXX   XXXX  . This Letter  is dated    XX/XX/XXXX   a nd states that they are foreclosing on my property listed above.        XXXX   XXXX   XXXX   XXXX   XXXX   's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My   XX/XX/XXXX   statement says that I owe them {$100000.00} to bring the loan current. M y  XX/XX/XXXX  s tatement says I owe them {$100000.00} to bring the loan current. Also the    XX/XX/XXXX  st at es that my payment is {$1100.00} with {$1100.00} going to interest and  XXXX  going to escrow. My    XX/XX/XXXX      statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page  3  of the statements ) that states my payment amount is {$1700.00}.     I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n  XX/XX/XXXX . T hat letter from  XXXX   XXXX  that I received  on 2/14/11  stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from  XXXX   XXXX  should also prove that  Statue of Limitation  to Collect on a promissory note has expired.     I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that  one  loan for my  1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures?     Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.
OnXX/XX/XXXX, Chase closed my account. They did not state any reason for the closure of the account, only that they were exercising their right to close any account at any time. I had a balance of XXXX in the account at the time of closure. I was told that once the account was closed, the funds would then be verified and i would receive a check in the mail of any funds left over in the account. I continued to call on a weekly basis. I was told the funds had been verified and the check was issued XX/XX/XXXX and mailedXX/XX/XXXX. I was told to expect to receive the check within 7-10 business days. i waited that amount of time and called back on XX/XX/XXXX. I spoke to an agent in the loss prevention team that the funds had not been cleared and no check had been issued. As of this writing, i have not had access to these funds at all. I have a mortgage and bills to pay and this issue is severely impacting my ability to pay all of these debts.
Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.
I completed a loan modification with a previous service provider ( due to a chapter XXXX bankruptcy in XXXX ), XXXX XXXX in XXXX XXXX, my trial payments were {$1000.00}. LoanCare purchased the mortgage and immediately put my loan into loss mitgation where they have been reviewing and asking for documentation that XXXX had already obtained. As of XXXX XXXX, XXXX my loan has been with their underwriter. There has been no decision. It is my understanding that the loan servicer has 45 days under Federal Law and that they were supposed to honor the previous loan modification done by XXXX. None of this has occurred. I have attempted to make payments but have been told I ca n't because the loan is with the underwriter and the amount has now gone up to over {$1200.00} due to statements I am now receiving, this has resulted in me falling a couple more months behind, despite my best efforts to resolve this issue. I have contacted LoanCare multiple times via phone over the last 45-60 days, and have never received a callback from their loss mitigation or my single POC. 

In the most recent conversation today XXXX XXXX, XXXX, one of the customer service reps, when I informed her I was looking into federal and legal resolution told me " you have to do what you have to do. '' To me that symbolizes LoanCare 's commitment to customer service, which is ZERO. I have the documentation from XXXX, proof of my 3 trial payments being paid successfully, proof of being accepted into their hardship program and then proof of LoanCare raising payments and not honoring the approved hardship which I will be happy to provide if they require that information ( even though they should have received it from XXXX ).
I am a XXXX woman, who is a XXXX. On XXXX XXXX 2016, I visited a branch of Valley National Bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I went to discuss the possibility of opening up a teen checking account. The guy named XXXX XXXX XXXX ( manager ) kept questioning me without any willingness to help and with obvious discrimination on my race and gender. He later rejected me rudely without giving me any reason.
PERFORMANT FINANCIAL C Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX This company attempted to run a hard pull credit report by classifying their inquiry as an " installment loan application " rather than collections activity. This would damage my credit score and add another hard inquiry. I have not been contacted about this account being late, I 've been making regular payments and they are lying and misrepresenting their purpose in order to damage my credit score.