WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices.
I set up bill pay with Chase and asked the payment to be delivered by a specific date. It was not delivered on time and I got a late fee. When I contacted Chase, several times asking them to do something about it, such as contacting the payee, they refused. They would not even contact the payee to explain their error to have the payee reverse the fee.
Collection Agency continues to call my place of employment, and family/friends and harassing me. I have made a written request for them to correspond via email or mail. They continue to call my employer and are causing me financial harm. 

Contact information of Collection Bureau : Financial Adjustment Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX
XXXX : m there is no XXXX written off or owed on this account. There was no money written off. 

I have provided you a letter from XXXX and there is no money owed. 

this makes no sense with wrong information on my credit file after I have provided proof from XXXX. 

Filing with the FTC as well to the issues.
I found out my american expres card was cancelled and they did not even tell me why. 
I contacted customer service and all they could tell me was my account was cancelled because my recent {$7.00} payment to American Express was returned. It was returned because the bill payment service tried to take it out of a frozen account. I let them know this was an error by my financial institution that froze my account, which affected the bill payment service payments. They said it does not matter. That is rediculous! I have been a customer of American Express for over 20 years, with all payments made on time and an excellent credit rating.
I have never done business with CREDIT COLLECTION SERVICE # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for  purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner.
Me and 5 other tenants had our money orders stolen from our rental drop box on XX/XX/XXXX. called western union to report. they had me pay XXXX to proses. and on the XXXX they told me it was cashed, that being said they sent me an affidavit I paid to have it notarized, gave my address, rental information and copy of police report, mailed to their office on XXXX paid for 2day delivery, Now its XX/XX/XXXX and as of yesterday they claim they still have not gotten my personal and privet info??? I called USPS and had a rep to look up tracking number ( because I paid for postage ) AND CONFIRMED IT WAS DELIVERD ON THE XXXX OF XXXX  @ XXXX!!!!! I just spoke with the postmaster in Colorado because they have opened up an investigation and told me through verification their carrier picked up my mail, and delivered it to the facility, something is not adding up I would applaud ANYONE WHO CAN HELP ME I PAID FOR FEES AND STILL HAVE MY XXXX RENT MONEY UNACCOUNTED FOR AND THEY ARE RUDELY DENIYING ME TO SPEAK WITH THE FRAUD DEPT. PLEASE HELP IT IS MY PERSONAL INFO FLOATING IN THE COUNTRY??
Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.
A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.
On XX/XX/XXXX, my checking account was low on funds and I had a {$2000.00} mortgage payment being automatically withdrawn from my account on XX/XX/XXXX. I get paid on the XXXX, so i went to my credit union, SAFE, and I got a cashiers check of {$2500.00} to cover the mortgage payment. Running short of time, I used my banking mobile app to deposit the Cashier 's Check and completed the {$2500.00} deposit on the XXXX of XXXX. 
Today, I tried to use my ATM card and it was rejected. Slightly embarrased, I was confused because when I deposited the check it said it would be available the next day, which was the XXXX. Subsequently, today in my account it said, " Deposit Hold {$2500.00} Total amount delayed, available XX/XX/07 at XXXX XXXX PT ''. The funds had been removed from my account and held without compensation. This was a Cashiers Check I deposited which is guaranteed funds on the bank it was drawn on. There is no logical reason, or policy to put a hold on guaranteed funds. More importantly, when I called Bank of America Customer Service to discuss this and see if there was anyway to release the Cashier 's Check, they said no policy would allow anyone to release the funds. My money was being held hostage for 8 days. In addition, the Customer Service Rep let me know their was " Confidential '' note on my account, but he could not access it. This reeks of abusive banking practices, retaliation for my previous complaint and the hold on the check is completely unjustified and, I assume, illegal, but I digress. I was also assessed a {$35.00} overdraft fee for my rejected mortgage payment. When I received my pay check today, I was so traumatized by a cashiers check being put on hold that I went to my credit union to deposit it and withdrew {$2500.00} cash so I could cover the money that the Bank of America has illegally removed from my account. I did trust B of A to deposit my check there and I won't anymore. How can they take money from innocent people and sit on it for 8 days. In addition they make money on it. It is just plain piracy.
I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.
XXXX XXXX from Halstead financial has continued to call me repeatedly, he has stated multiple times that they are taking legal action against me when I told him my situation and offered to give them what I could he told me it was n't good enough.
Pioneer Recovery has repeatedly contacted me past XXXX. They have contacted family members that I am not in contact with and discussed my debt. The company has also contacted my employment although I have repeatedly asked them not to do so.
Applied for a home mortgage thru Quicken Loans ( Rocket Mortgage ) in early XXXX this year. I was contacted by XXXX XXXX and I explained what I was trying to accomplish. I needed a conventional 15 year loan with 20 % down ( {$150000.00} home value and me putting down $ XXXX ). My son and his family were to be my " renters. '' XXXX told me no problem, that my loan was approved and to proceed in finding the house. We used their real estate agent and followed all the rules and procedures asked of us. It wasn't until XXXX was off that XXXX XXXX contacted me with an email telling me that an offer I had submitted on a house was accepted and it was during this process I found out that Quicken Loans now wanted 25 % down to get my loan. They baited me and then moved the goal posts at the last minute. I wasted 6 weeks and now I have to go thru another mortgage company and start from scratch. My wife and I have credit scores above 800 and own our home. I'm confused as to why they are allowed to do these types of practices. I'm out {$150.00} for a contractual obligation to the owner of the house who took his home off market.
My 2015 XXXX was paid off and sold on XXXX XXXX. On XXXX XXXX Honda Financial Services ( HFS ) sent a letter saying {$320.00} is still owed though no explanation was given for the payment shortage. Since then it has been impossible to get Honda to furnish me info in any way. Copies of my XXXX communications and the letter w/attachments I sent on XXXX XXXX are attached. To this date, XXXX XXXX, HFS has not contacted me.
There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.
Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Transunion This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA
Made payments with minimal reduction on the principal. The current principal amount is higher than the month prior after making a payment. Also receive conflicting information When discussing lower payment options with customer service. Forbearance was recommended when we were having trouble making the monthly payments instead of lowering the monthly payment amounts or lowering the interest rate.
Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first
Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates
The debt collector keeps sending me collection letters even after I informed them the debt was discharged in bankruptcy, almost XXXX years ago.
I opened a citi gold checking account XX/XX/XXXX with a promotional bonus of XXXX Aadvantage miles and I called three or four times to citi gold customer service and they said I 've met those requirements and have submitted an investigation. I should be receiving a letter by then but I do n't receive it even now. So I have to call again asking about it. They have to submit another investigation ticket but still nothing happened. I 'm really disappointed by not hearing anything from them and this just ca n't be resolved.
These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed
On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.
I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. XXXX  will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
I have a delinquent tax account with my township. I emailed the mortgage company initially and got a response that did n't even address my tax situation, they simply replied by telling me of my most recent tax payment ( from escrow ) and told me to email again with further questions. After a few days, I called the servicing department and got someone on the phone. There was nothing she could do, but gave me an email address for the " delinquent tax '' department. I emailed them and got an auto response that said I should receive a reply within 24 hours. That was XXXX XXXX. As of today, XXXX XXXX, I have n't gotten a response. I have been in contact with the person who processed my loan ( loan officer ) and she has been very nice, but still nothing has been done. A few days ago, I emailed servicing department again and got another generic reply but this time it said the status of my issue was " solved '' even though nothing has changed. There is plenty of funds in escrow to pay my delinquent tax. It is nearly {$1900.00} including almost {$40.00} in interest. A portion of this past due amount is from the XXXX of 2016 and will soon go into tax sale, at which point a lien will be put on my property. I have been trying to get this resolved for several weeks now. I have requested to speak with a manager on several occasions to get it straightened out but that does n't seem to be an option. The last thing I was told was that they would get back to me within 4 business days ( that was Wednesday evening ) and I have n't heard from them as of XXXX today XXXX XXXX. All I 'm asking is for my taxes to be paid by my escrow account and paid accurately.
I currently have a mortgage with Bank of America. The mortgage was opened in XXXX XXXX for {$110000.00}. In XXXX XXXX Bank of America Sent me a bill saying my mortgage was short paid {$5400.00} and they would like to Modification if I did not have the {$5400.00}. They did not explain why I was {$5400.00} short paid although I did not miss a payment or was I late. Not knowing any better And not having {$5400.00} I allowed them to modification. Between XXXX XXXX and XXXX XXXX I gave them an additional {$15000.00} in cash via certified check to void for foreclosures. In XXXX XXXX I gave them {$5400.00} in XXXX they modify my loan by the same amount I then gave them the amount of {$10000.00} in XXXX XXXX to avoid foreclosure although I have been making payments all along In addition my mortgage payments rose from the original {$1000.00} to a high of XXXX During this period. I have been paying the mortgage for 14 years and now I am more than I borrowed I have had no late payments in the last XXXX. I have XXXX different loan numbers the original loan number into XXXX and they changed the loan number into XXXX XXXX when all the trouble seem to start. I have called repeatedly and asked for all the correspondence pertaining to my loan. They reported to the credit bureau having me late for almost 6 months for an entire year in XXXX. I have asked for forensic accounting from Bank of America in writing in XXXX of this year. I have received nothing. I have emailed the head of home loans at the corporate office nothing. I feel that the modifications crisscrossed with the amount of money they required me to send but the modification still were put on the back of my loan I have give them over {$25000.00} to make my loan current over the XXXX XXXX years but yet I still have modifications XXXX XXXX time XXXX another and almost XXXX another please help
1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?
I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureay to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.