WillisBack/dataset-financial-user-claim huggingface dataset:
Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You
I re-applied in  XXXX  for continuing on  the Income Based Repayment Plan with Nelnet, stud ent loan servicer. Company messaged me to state that they received the paperwork. Company did not contact me again until  XXXX  to state that my payment would be double (!!! ) from what I have been paying ( and that I was no longer in the IBRP program ). Upon calling, I was told the form I sent it was " expired. '' However, the form had an expiration date on it for   XXXX    (    XXXX   XXXX   ). The company also stated that they had sent me an email ( they did not ) and regular mail ( they did not ). Thus, I had not been notified of this " expired '' paperwork. Upon speaking to  a manager, it was acknowledge that it was Nelnet 's error and they would reprocess that paperwork as it was the appropriate forms. Three weeks later, no correspondence from Nelnet except to state that my next payment ( still the increased payment ) was due. I called the company again, and they stated that the paperwork was expired and that they sent me a correspondence to fill out a new form. This was never sent to my email or home address. I now have to take a forbearance as they will not accept the payment I have already been paying for the last year, or quickly process the paperwork ( which according to them was the correct paperwork ) in order to avoid economic hardship. I have based my career on making timely payments in an appropriate loan repayment program and I do not know if forbearance will affect the Student Loan Forgiveness Program. Further, I was told by the company that the paperwork was not expired while on the phone the first time and they rescinded that without ever contacting me.
I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.
I recently checked my credit report and I noticed Bank of America submitted a 30 day late payment to credit bureaus. It states for XX/XX/2018. But I paid the car in full XX/XX/18. Payment was due XX/XX/18. I also have a grace period. I have never been late in any of my accounts with Bank of America or other creditors. I never received a call from anyone in their collections department for late payments or anything. I tried to call and find out whats going on and I am told a supervisor will call me back. I never received any calls back. At Bank of America even one day after payment is due and they havent received it the calls start. I feel as if this company is being unreasonable and not treating the situation as it is. I have paid off 4 vehicle threw them and was NEVER late. Please help me fix his issue. My credit has dropped over 60 points because of this.
Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.
In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.
On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
XX/XX/XXXX transfer bal. {$6500.00} bal transfer fee of {$260.00} 0 % interest for 12 mths XX/XX/XXXX transfer bal. {$2700.00} bal transfer fee of {$100.00} 0 % interest for 12 mths XX/XX/XXXX {$1700.00} bal transfer fee of XXXX XX/XX/XXXX transfer bal of {$6600.00} transfer fee of {$260.00} 0 % interest for 12mths Wells Fargo is applying all my payments to each bal instead of taking it off of my first bal from XX/XX/XXXX and deducting it and paying this off. This is not what it says online when you transfer. Only 12mths plus 4 % bal. transfer fee.

Extremely misleading and I called Wells Fargo and they said that they would no help me.
Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.
Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.
payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.
TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX/XXXX.
Portfolio recovery calls everyday all day and late at night or early in morning. I have asked several times to stop harassing me. I do not have any money and on XXXX check and thats all I have. XXXX veteran and they dont care I have XXXX and XXXX issues. I want them to stop calling me.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.
After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help me.
XXXX XXXX XXXX ran my credit 7 times on XX/XX/XXXX. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.
This is a f/u concerning the net credits changing on our loan terms for 52 months at a daily interest rate of about {$4.00} to 32 months increasing the rate to {$5.00} per day. I reviewed my contract and it does not state that the company has the right or permission to change the term of the loans. The loan upon the {$1500.00} payment should have remained and decreased in monthly amount. I recently sent in a {$1000.00} payment on the XX/XX/XXXX and prior to making the payment I spoke with customer service that stated that " decreasing the term to 32 months was better for me '' and she could not conceive that I am being charged at an unauthorized accelerated ( added ) rate of {$1.00} possibly higher since the payment of {$1000.00}. FYI the payment was scheduled onXX/XX/XXXX when I made the {$1500.00} payment ( see payment schedule )
Approx XX/XX/XXXX my husband took out a revolving line of credit with XXXX. Due to the XXXX plant closing in Oklahoma XXXX we were bot laid off. We were both contract employees i could never find a comparible job. My husband was forced to work out of state with the same company. as a result we defaulted on many loans/credit cards XXXX being one of them. We never received of collection call or anything till we were served papers in XX/XX/XXXX a default judgement from Asset Acceptance. 

for 3 1/2 years no collection call letters nothing was ever received from these people until my husband was notified by his company of a post judgement earnings from attorneys for asset acceptance on XX/XX/XXXX. Now his wadges are being garnished. He has called the attorneys office for asset accep. to date not one phone call has ever been returned. 

PLEASE NOTE : MY HUSBANDS WORKS FOR A COMPANY THAT DOES NOT HAVE ANY OFFICE WITHIN THE STATE OF XXXX! *****HE WORKS AND LIVES IN THE STATE OF XXXX*** THE ATTORNEYS FOR ASSET ACCEPTANCE " DO NOT HAVE A LICENSE TO PRACTICE IN THE STATE OF TEXAS ''!!!!! HOW IS THIS EVEN POSSIBLE!!!
My financial information was hacked and used to purchase an item without my consent. I immediately contacted the vendor and my financial institution notifying them of the issue and providing documentation showing my claim of fraud which USAA subsequently ignored. I did everything to notify USAA that my data was compromised and still the bank refuses to credit my account
I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.