WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like XXXX days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores.
i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached
Dear CFPB, this company LEGAL RECOVERY LAW OFFICE, has seized all the money in our bank account total {$2100.00} plus fees total {$2200.00} on XXXX/XXXX/XXXX, leaving us with no money to pay our modified mortgage or utilities or groceries. 
The bank is holding the funds until XXXX/XXXX/XXXX before releasing it. Attached is bank notice to us. 

In XXXX XXXX when the real estate market crashed in XXXX XXXX California , my wife and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were broke. I was XXXX at the time and due to health issues I was not able to continue with that business. I had used my XXXX XXXX credit card during my XXXX for expenses but with the lost of my business, I was not able to make payments. My wife and I started with sales but that took us some time to get back on our feet. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and even mortgage payments. Now we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments ; my wife and I are barely making enough to get by in this economy. 
After we became default with my credit cards in XXXX. XXXX XXXX sold the debt to LEGAL RECOVERY LAW OFFICES INC in XXXX of XXXX ; They filed a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from our bank accounts various times leaving us without money to pay my modification mortgage or utility bills or groceries. They have continuously caused us tremendous XXXX. On the XXXX of XXXX XXXX, they have taken {$2200.00} from our account ( this is my mortgage payment ). Now we are devastated. Please help us.
2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.
credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.
I was given a document of judgement for a Garnishment by my HR representative today at work. Without my consent my employer was informed of this document and given the opportunity to read what was on this document. They then gave the document to me at my place of business without any recognition of a process server or any request for my presence in the initial handoff.
my original complaint if number is XXXX. 
I originally filed a complaint against Navient for hiring someone with an extensive criminal background and giving them full access to customers important information. 
The employee they hire name is XXXX XXXX this person was able to gain access to my private information using Navient systems. The person was able to access my full address and social security number. She then called and admitted that she had this information. She further explained and I quote " I do n't know what she is capable of ''. This statement was a direct threat to me and my safety. Once the statement was made I no longer felt comfortable in my home. As time went I found out that XXXX was employed through XXXX XXXX XXXX in my area and was making pizza delivery to my apartment complex. This was extremely scary since I have XXXX XXXX living with me. I decided to call XXXX XXXX to advise but they did n't seem like they were interested in assisting so I called my building manager and asked that he put a stop to it. My building manager was able to complete that request for me. 
I have several police reports/incident reports against this female. The reports were made with my local police department ( XXXX XXXX, NJ ) the report numbers are XXXX and XXXX. In my initial request I asked that Navient inform me if this female did in fact access my information using their computer systems. I do n't feel that my question was answered in my original complaint. This explains the reason I am filing another complaint. 
An investigator who works for navient did reach out to me and advised that the situation is still being investigated but I need a solid answer about what exactly they are investigating and if in fact XXXX XXXX access my information using their system. Or if she gained access using a subsidiary company that assist Naveint. to my knowledge my information was access at a XXXX. XXXX, NJ branch I believe it was through a company that is a partnership of Navient.
In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.
I purchased an auto through Navy Federal Credit Union. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge Navy Federal and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount.

Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.
I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...
This company has sold and giving false personal information to XXXX XXXX and its fraud. I did not give my personal info to that company or consent. they are harrassing me. i would like XXXX XXXX XXXX  removed off my report before lewgal actions
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
The XXXX account was settled in full for the amount of {$300.00} final payment on XXXX/XXXX/XXXX to XXXX Case No. XXXX. There have been several different collection agencies over the last 6 months requesting payment on this account paid off and open before XXXX Who do I need to contact to stop the harassment? The last company called Piedmont Recovery called 3 times in on the same day. Each individual gave the same information of threatening to prosecute me in court ; in the same process refusing to accept documentation showing proof this is paid. This company only wants to make arrangements for payment of {$5000.00}, in which this account was settled with final payments of {$300.00} in XXXX. Piedmont Recovery is located at the address XXXX XXXX XXXX XXXX in XXXX, North Carolina XXXX. They can be contacted via phone at XXXX XXXX XXXX XXXX this is the number used to contact me and alternative number to reach Piedmont Recover is XXXX XXXX XXXX XXXX. For more information from Piedmont Recovery speak with XXXX XXXX the supervisor Manager according to XXXX XXXX XXXX 
XXXX Account Ref # XXXX according to Piedmont Recovery this was open on XXXX/XXXX/XXXX, but account was prior to XXXX, Piedmont Recovery Ref # XXXX.
Diversified Consultants called my employer before the open of business about a XXXX XXXX  bill that I have no knowledge of. It is not on my credit report and I do not know why they call me. The representative was very rude and I asked her do not call my job again or me because I have no knowledge of this.
I signed up for student loan servicing through XXXX XXXX/Equitable Acceptance in XX/XX/XXXX. The service was pitched as a student loan relief/forgiveness program. I was told that XXXX XXXX/Equitable acceptance would significantly lower my monthly payment on my loans for two years and then I would have a XXXX  balance on my student loans after that time period. I started making payments XX/XX/XXXX.I was told my monthly payment was {$60.00}. I later found out that Equitable Acceptance was taking {$49.00} of that payment and paying XXXX to student loans. I was told they would manage my account and then in XX/XX/XXXX, my balance due skyrocketed and all my loans were due. It turns out that XXXX  XXXX  entered me into a repayment program that needed yearly recertification based on income but I was never notified that recertification was due. When I called them, they had me go through a recertification program but now my payments jumped to almost {$300.00} per month. When I told them it was too high, they said there was nothing I could do, the payments were based on income and my XXXX. I ended up calling XXXX myself and they were able to sign me up with a different program and lower my payments by almost half, while Equitable Acceptance continued to charge me $ XXXX/month. Since XXXX XXXX and Equitable Acceptance have not actually been servicing my loans and are unable to provide any student loan relief, I tried to cancel with them but they said I could not cancel until my entire {$1000.00} balance is paid off ( a balance/fee I was never notified of and never agreed to ). They haven't provided student loan relief, they simply signed me up for a program available to everyone that I could have signed up for on my own and then charged me a bunch of money to " service '' my loans, and then failed to do any actual servicing. I can't get anywhere with them. They are telling me I can not speak to a manager, and that if I do not pay the balance then it will go into collections. It's a total scam.
On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.
I   was in a Chapter  XXXX . Discharged i n   XXXX   XXXX  . In    XXXX   XXXX    XXXX  , I found out Ocwen was not assigning my mortgage payments to proper account, they put my payments into suspense balance. From  XXXX  through  XXXX  they listed my payments as delinquent and subsequently started the Foreclosure process against me. They charged attorney fees against the account. I found this out in  XXXX . They corrected the payments in  XXXX   but not go back and crediting those payments for dates actually received, thus excess interest is charged. Now I am out of the Chapter   XXXX   and their records show I am still part of a bankruptcy. They are holding a large balance in the suspense balance account to this date. They are also not reporting payments to the Credit  Agencies.
They have consistently miss managed my escrows and payments throughout my Chapter   XXXX    process. Saying I was short in Escrows  then last year sending me a check for excesses in the account. Their entire accounting practices seem wrong and inaccurate.
I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice.
I have disputed an account reporting on my credit report with Experian Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a medical debt that has not been proved with true copy originality submitted to me. Secondly, in 2015 the Consumer Financial Protection Bureau worked out an arrangement with the national credit bureaus such as XXXX, that a 180-day notice would be submitted to validate a medical debt, and that the debt would not be posted against a person 's credit report until the 180-day notice expired, thus giving the consumer the ability to have his/her insurance pay the claim or satisfy the claim by other means. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
Experience leaked my identity which has resulted in numerous fraudulent credits card applications in my name, 8 to date. I had to purchase credit monitoring and place a freeze on my credit. They never provided documentation that the freeze had been placed or information on how to lift the freeze. I need to lift the freeze temporarily to purchase a car but they will not lift the freeze. I have tried online 3 times and I tried calling multiple times. I have provided all of the requested information including the pin they issued with the freeze but they will not lift it. I am not able to get anyone to answer the phone when I have called customer service numbers as it is all automated. So now that they have released my social security number, date of birth and address they are now holding my credit hostage as well and will not respond to any inquiries.