WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX XXXX. am a XXXX and also XXXX at the XXXX for the Department of Defense. I am retired XXXX from the XXXX. Six years ago we asked Bank of America and XXXX XXXX to help us secure a loan so that we could finance XXXX XXXX to help with the Affordable Care Act. Both banks denied us a loan several times over the past six years. We asked for a loan from these XXXX banks because we have had accounts with them for many years and the B of A held the mortgage for our home. Now the Bank of America without our knowledge sold the mortgage to XXXX. In 2014 Bank of America lost the legal case they had with Department Justice, so in return they offered us a re modification on our loan. They broke the law again by hiding our monthly payments so that we could be considered late. We have paid our mortgages every month. They put this misinformation on our credit report. Secondly they put a lien on our house, which is a subordinate loan. We would hope that you would tell our story when talking about breaking up the Banks. 

XXXX XXXX XXXX XXXX.
In XX/XX/2017 American Express Advertised to me, a new XXXX credit card that offered XXXX XXXX miles as a signup bonus ( after spending up to a certain amount ). The terms stated that someone who'd already had this card was ineligible to receive the sign up bonus. I could not remember if I'd had this card before, so i contacted Amex to ask them. The representative I chatted with asked me to wait while he checked all my accounts. He came back and told me that I'd not had the card, and confirmed that I was eligible for the sign up bonus. With this information, I decided to apply for the card. If I had found out I was not eligible to receive the bonus, I obviously would *not* have applied for the card. 

I applied for the card and reached the spending threshold but my miles never arrived. I reached out to Amex and eventually found out that I didn't receive the miles because I did have that card years before. I explained to them that I'd specifically asked them if I'd had the card, and if I was eligible for the bonus, and the answer given said specifically that I WAS eligible. They were not willing to understand that they should still award the miles, or that it would be unethical to punish me because THEY gave me false information. They claimed to launch a " back end '' investigation, and every time I checked in there was no information. They told me the max time would be 8 weeks. However, 9 weeks after opening the investigation, when I contacted the rep still had no information ... and depsite me saying over and over that I had a screenshot of the chat with the Amex rep, no one at amex would even let me show them. 

They should be required to deliver the miles they owe, and not be permitted to trick me into applying for their credit cards. Their customer service issues are also almost unimaginable ... but that's probably not within the scope of the CFPB.
During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.
I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.
After finding inaccuracies on my consumer credit report, I sent a 1692g request to XXXX XXXX XXXX on XX/XX/XXXX. The verification affidavit was received by MCM on XX/XX/XXXX, at XXXX. The company failed to verify the alleged debt and continues to report false information to the Consumer reporting agiencies. Additionally, the account was paid, in full to XXXX, XXXX XXXX XXXX on or about XX/XX/XXXX. MCM has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( s ) and/or Representative ( s ) are frivolous.
Nelnet has created unwarranted charges to my account ; I have never agreed to pay a specific amount of money but that I would pay back what I owe in student loans. However, Nelnet has made it their mission to provide an agreement of charges, which means there have become more than XXXX charges to an original account, which for them triples the 'Capitalizing interest '. They also continue to change dates on my initial date to pay, in the beginning my date to pay back my student loans was every month on the XXXX and now they are changing it back to the end of every month and slowly without any notice backwards to maybe the 2nd week before the month ends causing me to be " behind on payment '' as they call it. 

These unwarranted charges NEED TO STOP it is unfair to me as a consumer!
Equifax mishandled my personal and private information by not properly adhering to information security practices, and that negligence led to a breach of data that puts myself and millions of others at potential risk of identity theft and fraud I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the internet. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have opt-in to and pay for. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is unnecessary when it is clearly known that I was impacted. 

Lastly, Equifax should be stripped of its position and tenure of being a reputable credit reporting company, and a replacement company should complete the trio with XXXX and XXXX.
I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.
This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
I made a payment prior to the XXXX of the month but the payment was n't credited to the account until days later. I was charged a late payment last month. The payment I submitted on the XXXX of this month has yet to be withdrawn from my account as of the XXXX. I am worried I will be assessed another late fee.
I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. 
My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. 
I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.
A couple of months ago, while trying to get in touch with customer service at Bank of America, I was transferred to another department who told me out of the blue that I owe a {$290.00} appraisal fee from 2009. As a result of XXXX due to XXXX in the military, my income decreased substantially and foreclosure proceedings were started on my property. When I received back-pay from the XXXX XXXX that was owed to me, I pulled the house out of foreclosure and I 've never had a late payment since then. I did n't know an appraisal was done in 2009 or that I 've owed Bank of America {$290.00} since 2009. XXXX XXXX refused to waive the fee and after I asked to speak to a supervisor she put me thru to XXXX XXXX ( or XXXX ) voicemail. I left multiple messages and he never returned my calls. I called Bank of America 's customer service number multiple times, and sent multiple messages to them via their website, and they continue to refuse to waive the fee. One phone representative said, " Why should we waive the fee when you 're the one who did n't pay your mortgage? '' I asked them how they could 've done an appraisal back in 2009 without access to the interior of my property, and they said the appraiser walked around the outside of the house. So, I was charged {$290.00} for an appraiser to walk around the outside of my house? I never gave permission for an appraiser to be on my property, I do n't think a 2 minute walk around my house meets the definition of an " appraisal, '' and it definitely is n't worth {$290.00}. This fee is also attached to the HELOC for some unknown reason instead of the XXXX mortgage. I 'd like Bank of America to waive this fee.
I sent XXXX Experian, and XXXX  my FTC ID Theft Report # XXXX & # XXXX on XXXX XXXX 2018. I asked by letter accounts The XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX   rep on XXXX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX  website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XXXX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
ON the day both social security and SSI XXXX fell on the same day the company shut down their computers sending most people home, in my case I lost money do to this disruption in my day, and they say they have no idea when the system will be turned back on.
Real Time Resolutions purchased a debt from XXXX  XXXX XXXX and re-aged the debt. I fell behind in XXXX with XXXX  XXXX XXXX and Real Time Resolutions purchased it in XXXX and that is the date they are reporting.
NelNet has started charging me for my loan at the full repayment amount while I am in IBR. They contacted me and attempted to force me to cancel IBR and go into forbearance. They said there are no other options. They placed a strike on my credit report putting extra stress on my already stressful ( I am in IBR! ) financial situation. I have called repeatedly and they refuse to remove the strike, refuse to accept my IBR status and refuse to help me in any way whatsoever.
The debt collector supposedly hire another debt collector ( XXXX XXXX XXXX ) to serve a legal document. They have called my employment and told the receptionist my information and file number and wanted to know if they can serve at my place of work. I was very clear for them not to call me at my place at employment. They requested to talk to my supervisor which she took the call and she told them that is illegally to harass me at my place of employment. Collector was very aggressive towards me and when she spoke with my supervisor. I told them that I knew my rights but that is not stopping them to call me at work.
On X/XX/17 XXXX XXXX of supreme lending in XXXX, some how obtain my SS # # illegally and ran my credit report without me having any knowledge.
Hi, about three months ago in XXXX I opened an ebay account for the first time for a one time transaction in selling my old phone.I did n't plan to continue using either ebay or paypal any longer for any reason. After this transaction was completed and I shipped out the item to customer paypal put a hold on funds and said that I would no longer be able to use their services. I nowdo n't have either my item or my money.I felt as if I got scammed because they said I have to wait 180 days to releases funds that they had already taken their fees from. I was not participating in any fraudulent activity and my account was in good standing. The customer also did not file any disputes or chargebacks against me. I just want my money back and do n't want to be another victim of Paypal 's wrongful closings and freezings of many acccounts. The amount being held that I will like released is {$490.00} I feel as if I have done nothing wrong to be hit with such a harsh consequence. 
Thanks for your help in helping me solve this issue. 

Paypal Case ID : Case # XXXX
This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.
XX/XX/2018 I called Capital one after logging into my online account and seeing the online portal showed credit card closed. I am looking to file a suit against Capital One for a negligence and breach-of-contract. I then called Capital One and was notified Capital Once closed my account because of adding authorized signers to my credit cards. I have had 2 credit card accounts with Capital One, 1 card for over 7 years and the other for over 10 years, never skipping out on payments, never disputing transactions, always paying, balance, fees, interest, payments as agreed and have worked diligently to maintain account. In the past month or so I even paid both cards off completely before paying my other credit cards off, to show Capital I value the relationship and want to satisfy the debt. Well after calling in to remove my relative off my card as an authorized signer, within a week later they closed my account. Supposedly for suspicous activity however there were no charges on my account, never once have they had an issue with my account or issues with my authorized users. So based off assumption they made a decision to close outoall cards in which I have had for more then 10 years, adversely affecting my credit report when I have adhered to all terms in contract and adhered to my financial obligation. Without notice or Captial One attempting to notify me, via email, phone or mail if there were any questions on account they made a decision to close the account for no reason at all. This is unfair, unethical and this decision they made adversely affected my credit report - showing a closed account after 11 years has intereferred with me purchasing home, If the bank at any point would have notified me not to add relatives as Authorized signer which is an online option we are able to do anytime, I would have never added. Never did they attempt to seek a resolve between me the client. They are unethical, unfair and negligence and breach-of-contract. This decision has hendered the final stages of me solitifying the home process for no reason of validity and certainty.
This happened in 2017 at Bank of America bank. I had just opened a brand new checking account with Bank of America. I can admit that none of this would have happened if I had inputted the correct account number for direct deposit for my job. I was off by one digit. Then XXXX the company I was working for at the time had to send me a check. So I waited maybe a week, because I remember receiving the check on a Saturday. My bank Bank of America was closed. So I decided to use the Banking Mobile Application to deposit my check. I completed the instructions as told, such as sigh the back of the check, then take a picture of the check on the front and back as I was instructed by there services. When it was ready to submit I pressed the submit or enter button to complete. Then nothing displayed on the app showing that the check I entered was completed. As a regular person would do, is to redo it. Only because I thought I didnt complete it right. So I proceeded to submit again. This time it showed completed. The next morning, I didnt receive any notification that my account was instantly Closed!! I did notice that both deposits of the same check was showing on the account. As a responsible citizen. I immediately called the bank, wondering what happened and why is the Checking Account I just opened is now Closed. 
I requested to speak to Supervisor to see what I did wrong and why they made that decision. He explains that they can close accounts anytime they want if they feel its fraudulent activity. Im complaining because they have made me feel like a Criminal, when I didnt have criminal intentions. Its was a simple mistake that I didnt notice happen until the next day. Plus they didnt even bother to ask or see or hear my side of the story. This is Discrimination towards me. There account services made my look like XXXX for not understanding. I have never been treated so horrible in my life. Their decisions were unfair!! When I went to the bank yesterday to be added on to my fianc account. I was still denied it has been two years almost. The representative stated We have a right to close an account like you do.
I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance
I purchased 2 CDs in my minor children 's names from XXXX XXXX onXX/XX/XXXX. I divorced and moved later that year and forgot about the CDs until I was cleaning out my file cabinet inXX/XX/XXXX. When I researched where XXXX XXXX was located, found that it was no longer in existence, had changed names twice and was now PNC Bank. I went to my local PNC branch to see how to handle getting the money from the 21 year old CDs. PNC says they have no record of these CDs, no record of my account information, but also has no proof that they have remitted the monies to me. They say that I must have cashed but since they were hidden in my files, there is no way I've cashed as I still have them in my possession. These CDs are auto-renew and fixed, continuous interest method. I was told to contact Channel Services with PNC to which I sent copies of the CDs along with a letter explaining the situation. I received notification that PNC has no record of the documents/account and can't give me any further guidance. I'm told that PNC only has 7 years of records and a transaction this old would not be in their files but the funds have never been remitted to the State of Ohio or to me. The bank has kept my money and not followed the correct process to remit money to the state unclaimed funds or sent to me.
After numerous efforts to resolve this I am hoping you can help. 

XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. 

I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX  on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. 

Thank You!
I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.