WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated.
I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.
My complaint is in regards to Honda finance as well as XXXX XXXX. First of all I was laid off XXXX XXXX and I called from day 1 for assistance while I sorted out how I will be able to survive on less pay. Honda was unwilling to do anything. They also were suppose to change my payment date from the day I got thr car and never did and the recorded phone calls fell through the cracks so I 've been paying late fees on top of it all for months when if they had did their job I would n't have had late fees. Then now since XXXX I 've been behind XXXX payment due to being unemployed, however once I received unemployed I 've been making payments that are more than my minimum but all I could afford and after 6 'moths of doing so with no issue I find they put a repo on my car yet they refuse to take a payment other than through XXXX XXXX. XXXX XXXX confirmed our payment to Honda yet sent it to another company anyway and after a week still have yet to even attempt to resolve this issue or take accountability for THEIR error. They were suppose to fix the issue on XXXX, we have called several times and they still have n't resolved it and my car is in the process of reposition still and neither company will take accountability for the lost payment which I have confirmation of making despite XXXX XXXX not doing their job correctly. Now Honda will not stop the repossession of my car in the meantime over ONE PAYMENT LATE. So now my money is gone and I have no way to make another {$380.00} payment and my car can be taken from me at any time. Further more Honda gave me NO WARNING. They claim to have sent me a notice for the repo months ago that I never received and they refuse to find the certification letter to see who signed for it because no one in my household or that I know signed for the letter and I do n't believe they even sent it. I feel like I 'm being taken for a ride for trying to do the right thing and I do n't want anyone to have to go though this, especially when it 's hard enough to survive when your unemployed. Not to mention I can loose everything I have all over again like my new job because they would rather take my car over being 30 days on XXXX payment that they have proof I attempted to make. Either way I never want to even look at a Honda again after being treated so poorly. Never in my life have I had a car company treat me this way especially when I 've been in constant contact and they were fully aware of my lay off as I called them before my family even knew that I was unemployed and still made payments higher than my minimum due with no issues for months to try to resolve this matter.
I have disputed this debt directly with Diversified Consultants on XXXX/XXXX/17 requesting verification of this debt because it is not mine. They made a remark on my credit report that the account is disputed and verified, but never sent verification. I have continued to receive harassing phone calls from this company.
called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter
I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.
my wife passed away on XX/XX/XXXX we had mortgage insurance it took several atemps for the ins. com. to get the payoff for XX/XX/XXXX i finially had to do a 3 way call to get the payoff i was aiready XXXX enough from the loss of my wife of 45 yearsthis took all of XX/XX/XXXX then on XX/XX/XXXX XXXX XXXX XXXX sent the ck. for XXXX for the payoff chase motgage said they lost the ck. they could not find it. the insurance comp. put a stop pay on ck. after 30 days on XX/XX/XXXX a new ck. was sent as of XX/XX/XXXX it is still not paid off i have contiuned to make the payments and now am asking for your help all of the ins. cks. have had my account number on them their is no excuse for this not being paid off they have contiuned to charge interest daily this should have been paid off at least by XX/XX/XXXX i  feel when they do finally get their act together they should reimburse the interest from XX/XX/XXXX the ins. comp. said they had never had a bank loss a cks. plus chase was aware that we had mortgage ins. it was part of the loan package with XXXX XXXX that had the mortgage to start with they sold it to chase back in appro.year XX/XX/XXXX i do not this contiuned XXXX i only did the mortgage ins. because i thought i would always go first can you help. my wifes name is XXXX XXXX XXXX mortgage account numberXXXX
Originally appeared on my credit reports several years ago as a debt owed to XXXX XXXX ( TX ) XXXX. Evidently, they are a county ambulance service. At the time they claim services were provided, sometime in XXXX, I was XXXX and was covered by Medicaid. I had never and have never received a bill of any kind either from XXXX XXXX XXXX or the collection agency, Municipal Services Bureau ( " MSB '' ), which is a known scam front for Gila Group. When this first appeared on my credit in XXXX, I called MSB and explained the situation and asked why I never received a bill of any kind from XXXX XXXX XXXX, nor from MSB. No one could provide any explanation and agreed to remove it from my credit, which it was. Then out of the blue, about 6 months ago it reappeared on my credit. I have contacted MSB again and they could not locate any record of me whatsoever and had no idea why it was on my credit. The MSB rep said he couldn't have it deleted if they had no record of me. In other words, they didn't know why it shows on my credit so they can't do anything to remove it. But the Rep then went into a spiel that if I paid MSB the amount shown as a debt, they COULD remove it. So it is just a shake down by a corrupt company, Gila Group, and its front MSB.
I have on several different occassions try and reconcile this matter with this company. I was not in the   XXXX   XXXX   on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the   XXXX   XXXX   or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.
On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.
I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!
BB & T foreclosed on my home despite many attempts to work with the lender. The Plaintiff is in violation of Dual Tracking in that I have not been allowed ample time to execute all actions to avoid a Foreclosure. My modification was declined XXXX/XXXX/15 and the auction proceeded on XXXX/XXXX/15 leaving little time to explore other options such as the HARP program or Short Sale. Furthermore, I had asked for assistance before ( in BB & T 's ) records yet no record of sending a Loss Mitigation package was unable to be produced. The lender has not been able to provide an original contract. The transfer from the previous mortgage company to BB & T has not been recorded. BB & T claims that the Civil Circuit Court is unable to adjudicate the Case as Dual Tracking is a Federal Matter. The Plaintiff and the defendant filed motions, neither of which was ruled upon in the court, yet the auction continued. The loan could also be considered predatory in nature as the mortgage amount {$1600.00} / mo. leaves a household of XXXX well below the National Guidelines for Poverty.
I have disputed this company numerous time Discover Bank this account is a fraud account and the account does not belong to me. I have notify the creditor as well as the credit report company and this account remains on my credit report. Again this Discover account does not belong to me ...
My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Bank of America and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Bank of America customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call.
my id was compromised by XXXX XXXX somehacker got my info and opened a paypal card charged XXXX now they come after me. i told them ididnt know about it they wont leave me alone
XX/XX/XXXX Bank of America home loan is paid off. First week of XX/XX/XXXXreceived the original note marked " Paid in Full ''. The 2nd week got a check for the balance in the escrow account in my ex-spouse 's and my name. My bank will not honor it. Mid XX/XX/XXXXwent to local bank with Divorce papers, Quit Claim Deed ( signed by my ex ), Declaration of Insurance ( even though I had roof repairs done from XX/XX/XXXX-filed claim through XX/XX/XXXX-finish. The bank had no problem signing the insurance check to only myself at that time. A bank officer took my legal papers and faxed them to the right department. The check will be sent in 2 weeks I was told. 
On XX/XX/XXXX after being passed along to many people and departments with very long hold times I was told I needed to sign an idemnity letter. To speed things along the organization faxed it to me and I signed it and faxed it back. They told me they had the faxed copy of my Divorce, Quit Claim and the Declaration of Insurance. I  was told 2 weeks I should have the check in only my name. It is now XX/XX/XXXX. I feel they don't want to pay my escrow money back because I paid my mortgage off early. I should also have interest/penalties on them for using my money without my permission.
I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..
Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.
Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).
I have struggled throughout the entire life of my mortgage. I borrowed from XXXX, and other investments to help with moving costs, and other home owner expenses through out the years for this mortgage that I qualified for somehow. I bought the house in XX/XX/XXXX/XX/XX/XXXX timeframe. I got XXXX XXXX in XX/XX/XXXX, thankfully no signs of it returning and grateful for that. Had to work a lot of overtime after company reorgs and downsizing after the financial meltdown economic disaster. I had to use XXXX in XXXX and XXXX for XXXX XXXX issues. Got fired in XXXX XXXX and just started fulltime employment 3 months ago which is good and I am very thankful for. But it took a while to find a job so I had to apply for state aid after unemployment ran out, I move out of the house. My kids moved to their dads. My mortgage originated with XXXX ( FHA XXXX ), then, XXXX XXXX XXXX, and after that XXXX, XXXX, possible others ( XXXX XXXX ), have had it. For over a year now, I have been in constant struggle to avoid foreclosure with the XXXX Co. I 've had offers on the house because it has been listed almost a year now, but have hard time reaching them, or I need to refill forms out, etc. Another financial hardship I 'm working on is my taxes. I 'm in the process of paying tax attorney company to represent me.
while shopping for a debt consolidation loan i applied at multiple institutions, till SOFI conditionally approved my application, this happened in XXXX. towards the end of XXXX i had to fix a problem with a document, after multiple calls trying to get my application looked at they told me the same thing the person was not at work. two weeks after i called every day so i could get it finish. today after my call they told me i was declined due to inquiries on my credit, since it took the a month and a half i got declined due to other applications i put in while waiting for Sofi to process mine. in short due to exceptionally poor service i received my time was wasted, costing me time and money. i feel like i was discriminated against due to my amount of contacting this institution.
We have our loan through Pacific Union Financial :  Bought the house XXXX of XXXX. Property taxes on our escrow was not being allocated properly even though we paid the full mortgage amount. XXXX XXXX County tax collection sent us a notice of property taxes owed in XXXX of XXXX. Pacific Union agreed to refinance our loan so that they can take the  money from escrow and pay the owed property tax. We refinanced and thought the matter was settled. Now we got a notice that we are {$4000.00} short on our property taxes assessed. So our estimated payment went from {$3100.00} to {$3800.00} a month. More than our payments before refinancing. We found out from XXXX XXXX tax office that the property taxes redemption was never paid. So when we refinanced they never paid it and now we owe {$7000.00} because of penalties. This has been going on for the entire time we owned our home. We have always paid the payments on time and done our due diligence to resolve this matter. This is putting is in a finacial hardship and affecting our marriage because of the stress this has caused us year after year. Please help us resolve this matter. Thank you, XXXX XXXX
Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.
XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is  being reported to XXXX incorrectly. The status says open, though it has been closed since XXXX.
I paid  XXXX  directly and by law,  XXXX  recalled the account from Convergent. Convergent has no legal reason to report on my credit report. Convergent must delete.
I received a direct mail piece  from Quicken st ating I might be able to refinance my mortgage for a rate as low as 3.625 %. I know my credit is quite good, so I applied, fully expecting to receive the advertised rate.  <P/> Upon applying, I was told that I must sign an " intent to proceed '' form before they would give me an estimate showing closing costs and rate. I read the document and saw nothing that said I could not back out after viewing the documents, so I signed and looked at the documents. They also charged my credit card {$500.00}, to be refunded upon closing.  <P/> I looked at the documents and saw that the rate they gave me was 4.25 %. I asked why the rate was so much higher than the advertised rate. I was told that I could buy down my rate with origination points, except that in Texas, closing costs were capped at 3 %, so even with A+ credit, there was NO WAY that I could get the advertised rate of 3.625 %. They should n't advertise the rate in Texas if it 's unobtainable.  <P/> At that point, I decided that I did not want to proceed and I wanted to withdraw my loan application. They said had to be notified in writing. I notified them in writing within  1 business day. Multiple phone calls and written correspondences later, YES, I STILL WANT TO WITHDRAW MY APPLICATION. They drew it out over two weeks. Finally they agree and say they will withdraw my app.  The next day, I receive a letter that THEY have denied my application because I could n't provide the necessary paperwork.  <P/> Oh, but they still charged my credit card {$500.00}. For what? No appraisal, no paperwork, nothing was done because as soon as I saw the rate I immediately STOPPED the process. After 24 days they finally refunded the {$500 .00}, MINUS {$27.00 } - a credit report fee! They charged me to pull my credit.
XXXX I got a phone call today from Bank of America. Someone there now wants me to call them. No. That has not worked. I will not be put on hold. I will not be stonewalled. I will not repeat myself. I will not be bullied. I will have a record of what they say. I have a copy of their internal memo XXXX XX/XX/2016. That is Bank of America policy. They can reach me at my email address. 
I asked two questions in my original complaint to the Federal Reserve Bank. Those questions were not rhetorical. Is United States Currency not legal tender without an ID? Are people without an ID forbidden to pay thier debts? XXXX XXXX said that Bank of America policy is based on Federal law. Is it? Please, if your office can not answer the questions, who in the Federal government can?