WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.
Be advised that someone is in possession of my personal identifying information including name, address, phone, SSN and birthdate. The information was used to attempt to open a XXXX 's XXXX XXXX XXXX credit card via internet. Fortunately Synchrony Financial contacted me as a precaution which resulted in me looking at credit reports. The inquiry was noted at XXXX  I have since put freeze on three credit reporting agencies and taken actions to protect other financial accounts. I have no idea how this happened. The thieves had my husband 's cell number and not mine so that raises concerns regarding how the connection was made to obtain information. I am grateful to XXXX 's for having the extra level of security to verify when someone attempts to open a store credit card via internet. I also wonder what happens in the store itself?
I have had problems with these loans from the start. They started off as XXXX XXXX loans that were as much as a Mortgage costing me over XXXX A month. I tried to get them lowered then and all they said was there was nothing they could do and I had to pay it. When XXXX XXXX got in trouble my loans were switched over to Navient. Although they are less they are still over XXXX a month. I was mislead when I initially got the loans on how much the full payments would be when I XXXX or I would have never gotten them. I still have other private loans and federal loans that I pay on top of this. Those lenders have been cooperative. I am in XXXX XXXX XXXX XXXX ( I am paying the XXXX out of pocket at this point ) trying to get my XXXX XXXX so I can get a career but these bills make it difficult. I was working XXXX jobs and XXXX XXXX XXXX XXXX XXXX recently. I called my lenders to get some help because I ca n't pay them off with just my XXXX XXXX XXXX and Navient is the only one that refused to help. XXXX there was nothing they could do. They did reduce the XXXX loan that is In my mother 's name a little but XXXX of the conditions was that it had to come out electronically and I do n't have the money in my account. Now my bank account will be affected. I have paid what i can but got so far behind they are now showing a XXXX balance due which I guess means they are in forbearance or deferment or something. They keep calling my mother 's phone. She does n't answer because she knows all they will do is say I have n't been paying and ask her for money and she does n't have it either. All I wanted was some help until I found another XXXX XXXX and possibly until I XXXX to make it easier to save money for XXXX. I had great credit but now it is really being affected by this
I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.
After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised.
Summary of complaint or question : Navient keeps bothering me telling me I owe them for student loans. I am on a program with  XXXX . This has been going on for months so to list dates and such would be hard. If someone could call me it would be better.
I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.
I applied for the XXXX XXXX Business car through American Express on XX/XX/XXXX. A XXXX XXXX sign up bonus was offered with this card. Per the Terms and Conditions : " Earn XXXX XXXX XXXX Points You can earn XXXX XXXX XXXX Bonus Points after you spend {$3000.00} ( the " Threshold Amount '' ) on eligible purchases on your Card in your first 3 months of Card Membership. Eligible purchases to meet the Threshold Amount for this offer include those made by both the Basic and Additional Card Members on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. '' I met the spend threshold amount on XX/XX/XXXX. On XX/XX/XXXX, I reached out to American Express to inquire about the status of the bonus. I was told it was not attached to the account but that an investigation would be performed. I inquired again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was informed that the bonus was applied to the account but the bonus that the representative read to me was incorrect. He said he would open an investigation and to contact Amex in 7-10 business days. On XX/XX/XXXX, I reached out again and was informed the previous agent was incorrect and to give them more time. On XX/XX/XXXX, I contacted Amex again. Based on the Terms and Conditions, the bonus should have posted with 6-8 weeks. At this point I was told that I did not qualify for the bonus, despite receiving no warning from American Express that I did not qualify during the sign up process ( a service they offer ) and differing responses from previous agents. At this point, due to American Express ' delay in informing me of this, I was also past the point where I could cancel the card and receive a refund for the annual fee. 

This is a clear case of bait and switch by the card issuer.
Wakefield and Associates of XXXX Tennessee has a couple of medical debts that they say I owe and they have added money to the original amount billed by the doctor, I have contacted them but they will not change the amount.
Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on different dates and I noticed all unauthorized inquirys had been made. and already contacted all the banks and bureaus the only inquiry 's that is suppose to be on my report is XXXX XXXX XXXX. I 'm trying to shop for a car and im denied by banks cause of inquiry 's and i hav n't even made inquiry 's since my first car. only things that should be on my report are All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I contacted all the banks, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. they made an investigation and said i made the inquiry but i did NOT sign for these inquiry 's. i think i gave my social out to a scammer to a fake site that i thought is real. I already completed disputes with TransUnion. I had sent letters to the banks to send transunion a letter to remove unauthorized inquiry 's and i did not get a response back after that. 

I request that you remove all my inquiry 's on my credit report EXCEPT XXXX XXXX XXXX. once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address XXXX XXXX XXXX XXXX, XXXX XXXX If you find the inquiry referenced above to be valid WITH MY SIGNATURE, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. If my inquires do not get removed i will be taking this to a higher level of the bureau to the United States Government Consumer Financial protection bureau within 10 days i will continue to send letters to everyone i possibly can until this is resolved as well as i will get a lawyer to keep sending letters. 

Remove all unauthorized inquiries on my credit report. or i will keep lettering out to everyone continously. This is very hard on me when im trying to shop for a car with 6 people in my family that are all XXXX and i shouldnt have to go through all this on stuff i did not pull. everytime i send letters i call transunion back and the dispute process is told to me same way after i tried there process many many times. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX
To Whom it May Concern : I have sent in several disputes about XXXX XXXX XXXX, and their illegal repossession of the vehicle in question. XXXX has yet to response to me and this has been going on since XXXX 2017. I cant see how this credit bureau has been updating this account when XXXX has seen this is an illegal repossession and removed it from my credit report ( attached ) .This account is being illegally reported on my credit report. I formally disputed it. 
Furthermore, if at any time during your investigation the above account is verified by XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.
I have con tacted JH Portfolio Debt Equities LLC by  mail, letter sent  XXXX / XXXX / 17 , and they received it on  XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.
Experian is listing an account that is past the 7 year reporting period. 
This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.
Today, XX/XX/XXXX, I received a call from XXXX XXXX ; employee from Debt Collection Agency McCarthy , Burgess & Wolfe. For the second time in two weeks, said employee has been attempting to arrange to collect an inaccurate and unverifiable debt on behalf of XXXX XXXX , XXXX On each call, the alleged balance differed. I advised Ms. XXXX, on both occasions, communication has been established with XXXX XXXX, XXXX to verify, validate and resolve the debt. Collection efforts should have ceased ; instead, she proceeded to state that collection efforts will continue. I requested a valid original instrument of indebtedness in its original form with my signature on it ; Ms. XXXX stated she will get an invoice and does not have to verify my signature is on it. At this moment, it was made clear, via Ms. XXXX own admittance, that she was attempting to collect an alleged debt WITHOUT valid documentation as per the FCRA and the FDCPA ; Federal Law. McCarthy, Burgess & Wolfe and XXXX XXXX , XXXX are both attempting to collect a debt for the same account number, with different balances. 

With beyond a reasonable doubt of information regarding and pertaining to the training, education and collection practices of McCarthy, Burgess & Wolfe, along with their employees ( which should each be held personally responsible for being unable or unwilling to comply in collection efforts of only 100 % accurate and 100 % verifiable accounts in accordance with 15 U.S. Code Sec. 1629e ( 8 ) and Sec. 809 ( b ) of the Fair Debt Collection Practices Act via NOT ignoring or overlooking physical verification of a consumer contract with their signature on it in accordance with FCRA Sec. 609 ( a ) ( 1 ) ( A ) ), I respectfully request an investigation of all accounts paid to McCarthy, Burgess & Wolfe to cease all improper collection practices. Should this matter end up in court, I respectfully request all consumers violated be reimbursed all accounts that resulted in paid status under obvious violations, like mine ; and pursue a Class Action Lawsuit for Improper Debt Collection Practices in pursuit of statutory damages plus attorney costs and any applicable fees in accordance with 15 U.S. Code Sec. 1692k (  a ) ( 2 ) ( A ), similar to the CFPB ordering XXXX XXXX XXXX XXXX to pay $ XXXX for Improper Debt Collection Acts on XX/XX/XXXX.
On XX/XX/2017 I received a letter in the mail with no return address on it. I opened it it was papers copied from a letter from the courts. It appeared bogus a scare tactic to collect a debt. I tried calling but got no response back. I tried emailing got response back, with a number to call. When I called it was a fax number. Previously before I tried to pay back this debt. But the gentleman I dealt with at XXXX XXXX XXXX did not want to negotiate. Months passed maybe a year. Then I receive this in the mail. My complaint is if I am going to be sued I am supposed to get papers delivered by a constable from the courts. I never did.At home or where I work. The number I researched online came back as a SCAM. That's why I did not respond back.

three months later they are garnishing wages from my paychecks. When the original debt was less than {$500.00}.

This organization should follow rules, It appears they did not.

If this issue is not resolved I will have to go to the local media to see if they can investigate.
I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX
I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank
My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX
In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed.
Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. 

What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. 
- This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. 
- The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received.

- On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.
Dear Sir, I am going through the XXXX Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, XXXX credit report has fraudulent inquiry of Chase Credit Card dated XX/XX/2018. Chase is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.