WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America has closed ALL of our accounts including  Checkings/Savings/Credit Card  with out ANY ex planation. When I called them - they said that this information can not be disclosed. All of our reward points are voided, some checks we written out will be cancelled and we will acquire late fees. Our credit report has gone down already.  <P/> After searching the internet - I found MANY similar cases other people  encountered. I smell SCAM.   XXXX   XXXX   XXXX    Please help! This is ridiculous customer service and they call themself - Bank of America!???
Company told me that if I paid the account it would be deleted off my credit reports if paid in full. The account is still showing up on my XXXX and XXXX and has not been flagged for deletion
Equifax failed to provide me with actual documented proof that the accounts listed on my credit report are in deed mines. I first requested this via certified letter that was received by them on XX/XX/2018 and again on XX/XX/2018. It's been well past 30 days and I've just checked my report again tonight and there's been no changes. I received an update from them dated XX/XX/2018 stating still several inaccuracies and still no type of proof that the accounts belong to me.
I went to make a payment online on XX/XX/2018 for a future date and was unable to do so. I was unable to pick my payment date. However I can pick my payment date wheh I call and speak to someone in collections. I did go ahead and call and make a scheduled payment for XX/XX/2018. I addressed this with the customer service rep and was told that's just how it is at Wells Fargo.
Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that
On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia that even with my final Divorce Court Order decree dated around XX/XX/XXXX, XXXX Court Case number XXXX XXXX awarding 100 % of my former single family residence to my now ex-wife effective immediately, " XXXX '' refused to " Delete '' the " Foreclosure '' negative entry off of my " XXXX '' credit report after my now ex-wife stopped paying HER mortgage sometime in XXXX. " XXXX '' told me to contact the former mortgage lender named " XXXX XXXX XXXXXXXX XXXX '' out of XXXX XXXX XXXX, Florida.
I did so in writing.
On or aroundXX/XX/XXXX, I received a two page letter from " XXXX XXXX XXXX XXXX, '' dated " XX/XX/XXXX. " XXXX '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " Altisource Portfolio Solutions, S.A. '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( now trading at about {$27.00} per share as of this writing ).
And I also did so in writing.
On XX/XX/XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to " Altisource Portfolio Solutions, S.A. '' via regular U.S. mail postage.
For nearly 3 weeks I heard nothing back from " Altisource Portfolio Solutions, S.A. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. The company " signed '' for my letter about 4 days later but still did NOT respond. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response.
Yet here it is on XXXX XXXX-Friday-XXXX and I still have NOT received their so-called written response.
Thus, I need help from the Consumer Financial Protection Bureau.
"
I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.
Pioneer Credit Recovery is Cursing me out hanging up in my face there not willing to negotiate at All. They are not even giving Tax payers a Chance to pay back on the Loans. I 've attempted to send them payments they will not except what I can afford to send them to pay off the loan. Pioneer Credit Recovery is the worst government collection agency collecting revenue for the United States of America. They continue to attempt to Garnish funds form my Job event after I have attempted to pay them and make Payment.
I had security monitoring at my home. We sold our home in XX/XX/XXXX. The company continued billing me, even after several calls to stop. I had to end up faxing them a copy of the sale papers. In XX/XX/XXXX, I reached out again by letter and asked them to remove from credit reports because I was never late, I gave them my email address and phone number to contact me and I have not heard from them.
Since the origination of this combined, consolidated student loan ( around XX/XX/XXXX ), I have paid almost ( or actually more than ) the entire original principal amount ( roughly {$50000.00} ). However, because of multiple problems and terrible financial circumstances I've had to navigate, including split up and divorce ( XX/XX/XXXX-XX/XX/XXXX), multiple financial crises affecting my wages and ability to pay ( XX/XX/XXXX crisis affecting my telecom employer, XX/XX/XXXX mortgage crisis, lost employment for 16 months after XX/XX/XXXX, two bankruptcies under Chapter XXXX, multiple foreclosure threats, etc ), I have only been able to manage sporadic payment while trying to make other ends meet. Consequently, AES and its collection agents have applied the strictest, sharpest terms they can use in the loan contracts not only to NOT credit the payments in any way that reduces the debt, but in fact have taken those payments ( exceeding {$50000.00} ) AND doubled the amount now claimed to over {$100000.00}. This means, they are demanding -- with the meter continually running -- triple the original principal ( what's been paid PLUS another double the original amount ). I have been writing, calling, and begging AES/PHEAA and its collection agents to help me make progress, including making an equitable adjustment to the claimed amount. They haven't budged -- ever. I have no resources to continue wrestling with AES/PHEAA. My letter writing to them has meant nothing, regardless of the fact that I sent another near {$10000.00} over the past roughly 16 months to establish good faith toward loan rehabilitation. Still, they haven't budged. They claim that we ( my ex-wife and I ) have failed to show " need '' at a level that would result in a rehabilitated loan without me having to pay over $ 2000/month ( i.e., the average {$700.00} I'd been sending for many months PLUS another $ 1000+ ). They're unsympathetic to the fact that my income, which would certainly warrant a vastly reduced rehabilitation payment, is all that I can use to pay -- the divorce decree requires me to pay the amount and, thus, even if my ex-wife 's resources ( we're both federal government employees with not other employment income ) were applied, I'd still have to pay the monthly rehabilitation payment, which I can not afford. AES/PHEAA, thus, stands by waiting for me to collapse, at which point, presumably, they'll go after my ex-wife who, in turn, will sue me into court per the divorce decree and I would then start all over asking the Judge to help me get fairness. Please help me. Please apply equitable and other consumer protection pressure to cause AES/PHEAA to give me an equitable adjustment to their claim, and a monthly payment I can reasonably afford that puts a final resolution of this debt on the horizon. I'm XXXX years old, recently lost both of my parents, have XXXX young children still being raised. I'm not able to win this fight without help and without fairness. Hopefully, your platform allows me to copy you on some of the correspondence so you have an adequate record to understand what is being sought. I pray you will help.
After reviewing my account history, I have found that I made on-time automatically scheduled payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It appears that the preset payment amounts I submitted through my online bill pay were not sufficient to cover the bill at the time ; however, I never received - to the best of my recollection - any correspondence written or via telephone or email indicating that I was overdue on the bill and owed an additional amount.

In the most recent incident I paid {$6.00} less than the total bill ( sending {$120.00} for my payment on a bill of - apparently - {$120.00} ) yet was charged nearly {$40.00} as a fee.
XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}. 
This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months. 
I received no written notification of this change of status when it occurred. 
I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default. 
I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury. 
Please feel free to reach me if you would like to schedule a hearing on this matter.
Transunion is reporting a collection account under XXXX that originally belonged to XXXX XXXX. Transunion just investigated XXXX XXXX and deleted it and then XXXX put it on my account in the last 30 days. It was not on the credit report pulled in XXXX 2016. he XXXX account shows it is from XXXX XXXX. Transunion is allowing a re-aged account and a previously deleted account to be reported on my credit. They are ignoring my requests to just leave it along long enough for me to get my mortgage account. They are saying it is going to take up to 30 days. They have cost me a good interest rate.
I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks
Attempting to improve my credit score has revealed negative reporting in the form of a chargeoff account with Sears in the amount of XXXX. I contacted the card issuer on both on XX/XX/XXXX and XX/XX/XXXX and was transferred numerous times finally arriving at credit report.com. 
I request that this s chargeoff be removed from my credit report as the original charges are in close proximity to the 6 year mark and they consisted of late charges that were the result of poor communication from the lender. A suitable resolution would also be for me to pay any outstanding balances less the egregious late fees for the removal. The number I called was XXXX and I received unsatisfacory assistance with resolving my issue.
I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is FSC that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.
Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... XXXX.
I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.
There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.
In XX/XX/XXXX one of my student loans went from around {$380.00} a month to {$740.00} a month. I called and said I ca n't pay this. They gave me 3 different options that I have not qualified for from XX/XX/XXXX to the most recent denial in XX/XX/XXXX. I told them I could do at most {$500.00} a month and there was no way I could pay the $ XXXX.I asked if they could work with me. I emphasized I did not want to stop making payments, I just could n't handle the amount they wanted me to pay monthly, they really do n't listen and no one even seems to know how to help me. I have been paying on these for ten years now and this is the first time I literally can not do anything about my payments. No one seems to know what to do except to send me forms. Also the emails they send you for the forms never link properly.
On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.
Synchrony Bank, during the month of XXXX 2015 closed my American Eagle Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the American Eagle Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 
According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only one which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Dear CFPB, This is my second time submitting this information. After about 7 months of dealing with ID theft I had requested removal of the fraud alert on the Equifax file and enclosed all the required documents, which Equifax indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they left the fraud alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?