WillisBack/dataset-financial-user-claim huggingface dataset:
I have an auto loan through Bank of America, I have always paid the monthly installment over the phone. In the month  XXXX  specifically on   XXXX   XXXX   XXXX     I paid installment payment of  XXXX  due date was   XXXX   XXXX   XXXX    . On   XXXX   XXXX   XXXX     the company debited my check account again in the amount of   XXXX  . I spoke with  XXXX  supervisor for Bank of America who assured me the money would be placed into my account within  1-3  days if I faxed my bank statement revealing the additional payment of  XXXX  on   XXXX   XXXX   XXXX    , bank statement was faxed on   XXXX   XXXX   XXXX     today is   XXXX   XXXX   XXXX    , my money has not been refunded to my account. My concern is that I authorize d one p ayment of  XXXX  to be drafted from my account on   XXXX   XXXX   XXXX    , I did not give this company permission to draft anything else from account. They went into my account and removed another payment without my permission, .This is a first time occurrence but how many other consumers has this happened to. Once this matter is resolved I plan to refinance my auto loan with another lender.         Thanks for your attention in this matter
My cell phone has been robo-dialed at least six times since XX/XX/XXXX by the junk debt buyer Portfolio Recovery Associates. 
They are attempting to collect on a debt that has been time-barred since XX/XX/XXXX in the state of Delaware ( XXXX XXXX XXXX, the original creditor 's, state of incorporation ) as well as time-barred since XX/XX/XXXX in the state of Florida ( where I have continuously resided since XX/XX/XXXX ). 
This is in violation of the Fair Debt Collections Act in Title 15 of the US Code, the Consumer Financial Protection Act in Title 12 of the US Code, and the Telephone Consumer Protection Act in Title 47 of the US Code. 
This is also in direct violation of the Consumer Financial Protection Bureau consent order # XXXX.
I signed up for a Bank of America credit card on XXXX/XXXX/2016 specifically to roll over my balance from my XXXX credit card. I decided getting cash back was better than airline miles accumulation ( too many needed for an air ticket ). Nowhere on the application, email sent to me, on the letters I received AFTER the 7 day period was the information about charging a fee for the rollover. I LOOKED!!! Because I knew that some cards charge and some do n't. I can send the confirming email, as well. No where was I informed that I would need to spend {$180.00} to do this dis-service. 

I did this online, where I could check and doublecheck that there was no apparent fee. Perhaps hidden in very small print or buried deep in some multi-page disclosure, it might be there. But I sure did n't see it. I am screaming this : I CHECKED! When I transferred the money, there was NO " are you sure you want a {$180.00} fee '' When I got my first bill n XXXX, I noticed a line that read " Fee .... {$180.00} '' No explanation on what the fee was. I called BOA 's XXXX # and no where on its phone system was the choice for " rollover '' or " transfer '' -- everything else from " mortgage '' to " late fees. '' I kept saying to the automated voice, " I do n't know what fee ; get me to a rep '' After a long pause, I finally spoke to a XXXX and later a XXXX who said, " yes sometimes agent forget to tell you that. '' She offered to put in a request to reverse the fee -- so it is possible. I kept telling her that I was not informed of a transfer fee. That we 99 % of the time pay off our XXXX credit card in full each month and I do n't need a 0 % APR. Which she justified the 0 % as why they charge the 3 % transfer fee. Huh? In her tel/con I learned the figure " 3 % '' Why in the world would I pay {$180.00} for a new credit card, when we pay off our credit card bills in full? Why would I agree to that? Why? 

My point is that NOWHERE is it CLEAR that I would get hit with such an amount. NO.WHERE. 

I asked for a supervisor who was UNHELPFUL and kept saying " This is a legitimate fee. '' He would not reverse it. I asked him : " Do you want my business or not? '' Between my husband and myself, we charge up to $ XXXX a year on credit cards. He said I had to pay the fee. I cancelled the card that day. 

It is not right that BOA HID the transfer fee. UNDISCLOSED. The transfer fee info was NO WHERE in the application, in confirming e-mails, letters to me, in the card 's description, on the bill, in the phone conversation I had 1 week prior with a BOA rep when I asked about a charge on my on-line invoice. 

I wo n't pay that ridiculous fee. Why would I agree to that, when I was n't told/informed about it. If forced that means something important to me must be dropped. 

No wonder military service people have problems with BOA. I could have gone to any of the other competitors for a transfer free card. Sure wish I had. Paying BOA {$180.00} for use of my money ... ... they should be paying me!
i do not know what this debt is, i never opened a XXXX  account in XX/XX/2018, i did an XXXX  dispute and they wont take it off my credit report. i've had XXXX  for 7 years. 

Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!
Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.
I have disputed the collection accounts with Equifax for several attempts, to no avail ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,. They did not give me evidence or verification as to why they will not remove the  accounts. The error has affected my credit score tremendously.
You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.
Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date XX/XX/XXXX
On XX/XX/ 2019 I was overdrawn on my checking acct. ending in XXXX and I asked my husband to quick pay me enough money to cover. Now we have the same bank, Chase bank, same location and all so he quick payed me the money and my acct. was current. The next day I checked my acct and I was charged two {$34.00} overdraft fees! I called the bank right away and they said I didn't get the money to my bank on time??? I told them it was before XXXX XXXX eastern time and they said I had to have it on central time! Who the XXXX has the time to look into that?? When I check my acct. that day I was fine. I am tired if these banks finding every way possible to charge fees! They were able to credit the one fee but, I was requesting the other one as well because my bank was ok when it cleared! I want my {$34.00} back on my acct.
I bought a golf cart on credit and my first payment was due XX/XX/XXXX. I went online to the credit cards website on XX/XX/XXXX to pay my bill and a late fee was assessed on XX/XX/XXXX! I contacted them on XX/XX/XXXX to request this be removed immediately and to confirm back it was not reported to the credit bureaus. They have not responded to me yet ... 3 days later. 

I want this resolved and I also want the proper authorities to have this company stop the practice of levying late fees BEFORE a due date!!
From the XXXX - We recently reported on the disturbing trend of large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.
After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.
I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.
Someone used my information at the hospital. They were told this. Police reports were filed as well as a FTC report.
I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.
I was contacted by my employer XXXX/XXXX/15 who informed me that XXXX XXXX of Viking Client Services, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Case XXXX had contacted them regarding a debt I allegedly owed regarding a rental car that I had been involved in an accident totaling the vehicle. It was a personal rental non-business related. They were trying to collect the debt thru or from my employer. I believe that XXXX had contacted my employer as well seeking payment of the debt and informed them of the debt and my damage to the vehicle. 
I do not believe either party should have contacted my employer and endangering my employment status. The rental was in no way business related and I have only recieved XXXX letter from this collection agency which I am in the midst of responding to but their very disturbing actions have precipitated this request for assistance.
Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?
The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
My daughter called me to inform me that we received an official looking letter in the mail addressed to me that looked to be from a bank or financial institution and that it looked important. I asked her to open it and let me know what it was, and as she read it off to me, it appeared to be a threatening sounding letter from a debt collector trying to resolve an outstanding debt. After she read it to me, i asked her who its was from and she couldn't figure it out. I told her not to worry because we didn't owe anyone, and that it must be a mistake. When i got home I looked at it and determined that it was a misleading scam advertisement from Nationwide Debt Reduction Services that was sent to me because I simply have revolving debt, not because i have any debt that needs to be settled. I have outstanding credit, but this letter is written is such a way as to suggest that failure to call them within 10 days will suffer major financial hardship. I was able to figure it out, but it tricked and scared my daughter, and certainly would scare others into calling them. It is an outrageous and deceptive attempt to use fear to incite people into calling them. If this isn't illegal, it should be. Its simply wrong and should be stopped.
Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. 

This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. 

I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. 
Ocwen Loan Servicing , LLC said :
XX/XX/2018 I sent a certified letter signed receipt to XXXX XXXX  asking that they VALIDATE OR REMOVE a collection item from my credit report. I specifically asked for an original copy of a signed copy of the original contract binding me as owning the debt and not a bill. verification and validation is not the same all they sent me was a copy of a bill which doesn't validate
In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar credit.
My bank citibank has refused to release XXXX that was only held for incidentals that XXXX per night at hotel I had stayed at and checked out many days ago should had funds released by now.. This is very damaging to my credit line as I need back as use this card for business travel
I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Credit Reporting Agency : Experian Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with Experian. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called Experian, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report
To Whom It May Concern, The reason for my dispute is Reliant Capital Solutions was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Reliant Capital Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. Reliant Capital Solutions is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Reliant Capital Solutions is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Reliant Capital Solutions. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Suntrust Bank allowed XXXX XXXX company to withdraw XXXX from my checking account. This was not an authorized transaction. I pay my XXXX insurance bill online monthly and authorize the amount myself. Suntrust and XXXX have violated the Privacy Act and has charged me an additional {$36.00} for overdraft fees. I spoke with XXXX and they were able to refund {$240.00} to my checking account, but not the full amount due to " limited data or information ''. This transaction was completed from my Suntrust Check card which I did not authorize. SunTrust stated the transaction was authorized by me, but with no proof.
My home was foreclosed by Greentree in XXXX 2015. I am still working to determine where a more than {$20000.00} payment is with them. In the meantime, their new company, Ditech sent a collections letter in XX/XX/XXXX for {$34000.00}. Upon calling twice, no Ditech representative could tell me what that amount is and how it was calculated.