WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a new account on XX/XX/18. I received an e-mail stating that the bank would not be able to open the account and was advised to call in. I called and was given an OFAC disclosure and told to wait 2-3 business days so that the bank could review to determine whether it was a false positive. 

I received an e-mail this morning ( XX/XX/18 ) again stating that my request for a new account could not be fulfilled and similarly advised to call in. I called and again was given the OFAC disclosure. When I told the representative that I had previously called and had already waited the 2-3 business days, he confirmed with his floor supervisor that the account couldn't be opened. I requested to speak to a supervisor and did so. I informed the supervisor that I am not on the OFAC list, but was informed that there was nothing that she could do since the application was tagged as a possible OFAC. I asked what the escalation process was and she informed me that there was none since I don't yet have an open account. 

The CFPB may be interested in researching the inability of this firm to escalate complaints and/or issues associated with the account opening process, particularly for denied applicants. 

Application ID : XXXX
In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.
I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.
I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.
XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.
I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX
Chase bank closed my account and for about 7 months they have failed to send me the check of my remaining balance of {$750.00} that they said was already on its way. They say it could take a couple months. 3 months go by and I contact them ask to speak to their supervisor for them to hang up on me repeatedly. I called over and over for them to hang up and not give me any names of who was working. Simply telling me there is no money owed to me and hanging up. This is astonishing that professionals would act this way, not to mention I have no idea why my account was closed in the first place. Then I got ahold of them recently for them to tell me I need to have every quickpay transaction verified. I told them ok how should I do that and they said have everyone you have done quick pay with call in. Well I see so many flaws in that how are they supposed to know whos calling in is really the person. How am I supposed to contact everyone I did quick pay with if I cant access my account to see all of the friend and family I have transfered money with? Well they weren't too sure either because I got hung up on when I asked.
Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.
I opened an XXXX XXXX credit card throughXX/XX/XXXX over a year ago and have been making payments regularly. The company was bought out and I was recently charged over {$1300.00} for nothing, it is listed as a promotional fee in the transaction history. I have not used this card in over a year and this charge is not listed in my agreement, it is straight up fraud. I attempted to contact XXXX and there was no response. XXXX in the past has made mistakes with my account and has adamantly refused to correct the issues, although I did not take action because the fees were negligible.
SUMMARY : FIA Card Services, a division of Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX continues to ignore correspondence re : credit card fraud, send bills and charge interest because of fraudulent charges that took place on my original credit card [ ending in XXXX ] with FIA, which is owned by Bank of America. 
FACTS : Initial fraud charges occurred XXXX XXXX, 2015 at a XXXX Store in XXXX XXXX, XXXX which I do not patronize, for over {$310.00}, more than I have ever spent at any XXXX store. After discovering the fraud charges, on or about XXXX XXXX, 2015, well within the 60 days allowed to report to the company, many phone calls and correspondence have been transpired between myself and FIA Card Services Customer Service for more than six months. 
ACTION TAKEN : A police report has also been made for the credit card fraud to the XXXX XXXX Police Dept., as this is XXXX XXXX where I reside and where the fraud originated. Correspondence to FIA, along with copies of the statements which show the fraud charges, includes the following information : " Please note that all of the charges marked in black 'Sharpie ' ink with a star [ *, or & gt ; ] next to them are fraudulent charges on the statement, including ANY AND ALL charges which took place in XXXX XXXX XXXX XXXX I have not traveled to XXXX in more than ten years! Please do not transfer these charges to a new charge card that you are issuing in my name as they are pure and outright fraud, which I can only presume started at the XXXX Store XXXX. ; as you can see from my charge history, I have never spent over {$300.00} at any grocery store, and I do not shop at the XXXX XXXX. store. Please correct and remove the fraud charges pursuant to your Fraud Protection Policy of 100 % no liability to the customer once it has been reported in a timely manner. I will not be responsible for any fees, late charges, etc. that XXXX XXXX may attempt to pass along to me, as the customer. Also, pursuant to my phone conversation with your representative, this morning, please cancel this account, and do not open another card with fraud charges attached thereto. " ONGOING : Every 2-3 months, instead of attempting to resolve this issue, FIA does the following:1 ) changes the account number on the card, 2 ) transfers the balance, 3 ) charges a late fee and interest, which continues to accrue. Instead of trying to resolve the issue with me as the consumer, FIA ignores it and sends a dunning letter telling me there is a balance due. Every month FIA continue to send a bill to me, as recently as XXXX, 2015 to include interest which accrues on the balance ; I refuse to pay until FIA reconciles ALL of the fraudulent charges against the amount that has been paid to the company for my legitimate charges. 
When calling the company 's customer service numbers [ below ], I am placed on hold for more than an hour at a time. 
As of XXXX/XXXX/15, I filed a complaint with the XXXX ; that office referred me to the Dept. of Consumer Financial Protection Bureau, which I am utilizing to file a consumer complaint against FIA.
XXXX XXXX Bank has confirmed the current amount owed is {$430.00}. I did not agree to pay Asset Acceptance the amount they claim I owe XXXX {$630.00} XXXX, and has verified is correct. The reality that Asset Acceptance has verified an amount that I did not agree to is despicable, and is a violation of the FDCPA section 808 ( 1 )..
I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
Selene Finance is committing mail fraud. I informed you prior that this company changed my address and claim they did it to send all correspondence to my lawyer. I informed them I am no longer being represented by an atty, yet they continue to send my mail to him. They also said they needed something in writing, therefore I sent them correspondence informing them I am no longer being represented, yet they claim they did not receive it. Attached is the USPS info letting me know it was received on XXXX XXXX, 2016 at XXXX. The letter should have been signed for, per my post office mailing instructions. I have contacted the postal service to find out why no signature was listed and no return receipt mailed to me. I plan to pursue Selene with legal charges if they do not cease from sending my mail to another address. I believe they are doing this to Foreclose on my home without serving me notice and giving me due process.
Hello - I am at my wits ' end with Experian, trying to lift a long term credit freeze. 

1 ) On XX/XX/18 printed and mailed this online form from Experian to lift the fraud alert from my credit file with them : XXXX XXXX XXXX 2 ) I subsequently received a letter dated XX/XX/18 from Experian saying THAT THEY WERE PLACING A FREEZE on my credit file - THE EXACT OPPOSITE OF WHAT I ASKED FOR.

3 ) I then received a letter from Experian dated XX/XX/18 saying that they would unfreeze my file if I mailed them certain documents as proof of ID and residency, etc. 

4 ) I sent a letter with the documents and information Experian requested on XX/XX/2018 5 ) I  then received a letter from Experian dated XX/XX/2018 enclosing a credit report but with NO INFORMATION OR CONFIRMATION THAT THEY HAVE COMPLIED WITH MY REQUEST AND REMOVED THE FRAUD alert. 

Experian 's apparent incompetence is honestly getting farcical and impossible to work with : A ) They make it next to impossible to call them ( there is no phone number on their website and never any phone numbers in their letters ) B ) I have spent appreciable amounts of money snail-mailing them repeatedly via certified mail. 

C ) I need to apply for a credit card and the fraud alert is impeding me from doing so. 

Action Required : i ) Remove the fraud alert as requested ii ) Send me a letter confirming this has been done iii ) Send me {$30.00} to cover my mailing costs to them.
On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.
In late XX/XX/XXXX I noticed several questionable items on my Transunion credit report and was uncertain of several of the accounts validity. I promptly filed an initial fraud alert with the 3 major credit bureaus and sent my first notarized and certified dispute letter via mail to Transunion dated XX/XX/XXXX including 2 forms of identification. Included in the letter was my request for physical proof/verification for the accounts listed per section 609 of FCRA. I specified in this initial request I would not accept a generic response such as " account verified '' as a reasonable response. I received a " dispute outcome letter '' dated XX/XX/XXXX which included my dispute results and advised which accounts were deleted, which accounts were updated, and which accounts were verified. I did not receive any documents that I requested from Transunion regarding the verified and updated accounts leaving me to believe the company blatantly disregarded my request or used a 3rd party system to verify instead of contacting the original creditors. I contacted Transunion at XXXX  cst XX/XX/XXXX via telephone and requested a U.S agent but none were available. I spoke with rep named XXXX who did not have an id or reference number I can include. After the rep could not provide a decisive answer to my request for method of verification even after I cited section 611 of FCRA I requested to be transferred to supervisor. I was then transferred to supervisor XXXX XXXX. I asked XXXX XXXX  to provide me with the name of the original creditor, the address and phone number of the original creditor, the name of the person at the credit reporting agency who verified the dispute with the original creditor and the documentation that was used to verify the dispute. XXXX XXXX advised me the Credit Reporting agencies are not required to keep any documentation on file and all verification is done electronically. XXXX XXXX stated 4-5 times data furnishers are not required to submit physical copies to the bureaus at any time and after being asked repeatedly he could not provide me with method of verification but stated he would send out a letter of there dispute/verification process via mail. I advised I would be filing a complaint promptly
Between XX/XX/XXXX ( after the issuance of the XXXX for XXXX installment statement ) and XX/XX/XXXX, Bank of America bought down the principal balance associated with this account. According to the information and representations provided to me on XX/XX/XXXX during a telephone call starting at XXXX to customer service at XXXX by XXXX, a Bank of America employee, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed during this call the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX. 

On XX/XX/XXXX during a telephone call starting at XXXX to XXXX, Bank of America represented to me there is currently no written determination on appeal addressed to me issued by an Appeals Specialist of the Appeals Department as far back as XX/XX/XXXX. Also during this call, Bank of America confirmed there are a total of XXXX ( XXXX ) open and pending escalated cases, reference numbers XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and the timely requested appeal of XX/XX/XXXX ( as no Appeals Department determination on appeal has been issued ). 

As a matter of law, all Case Escalations are required to be resolved prior to initiation, continuance, or completion of any foreclosure process and evidenced by a written response to the customer. To date, no written response has been provided to me indicating any of the above referenced case escalations are resolved. 

I did not default on Bank of America ; Bank of America defaulted on me. 

28 ) State Tax Evasion - Intentional 29 ) Federal Tax Evasion - Intentional 30 ) Withholding of accurate or complete Federal tax related documents. 

36 ) Withholding of accurate or complete State tax related documents. 

37 ) Negligent Tax Evasion - State 38 ) Fraudulent Tax Evasion - State 39 ) Negligent Tax Evasion - Federal 40 ) Fraudulent Tax Evasion - Federal 41 ) Defauding the citizens of the United States of America. 

42 ) Defauding the citizens of the State of California. 

43 ) Misuse and abuse of State government provided funds. 

44 ) Misuse and abuse of Federal government provided funds. 

45 ) Negligent Loss Mitigation Processes, Practices, and Procedures. 

46 ) Fraudulent Loss Mitigation Processes, Practices, and Procedures. 

47 ) Failure to acknowledge an openly nortorious adverse possession claim to real property. 

48 ) Negligent recoding of real estate related documents. 

49 ) Fraudulent recoding of real estate related documents. 

50 ) Negligent transfer of ownership of real property. 

51 ) Fraudulent transfer of ownership of real property. 

52 ) Withholding of accurate or complete mortgage related documents. 

Bank of America must stop themselves before the Trustee Sale at auction of XX/XX/XXXX. 

All other previously mentioned resolutions are desired desired.
On XX/XX/2018, I sent Equifax a dispute letter via US mail disputing a derogatory listing on my credit report. In my letter I formally requested that Equifax provide me with copies of any documents associated with the derogatory account ( XXXX XXXX XXXX ) bearing my signature. If, in the absence of any documentation bearing my signature, please delete the negative listing immediately. Upon completion of their investigation, Equifax stated that the account has been verified. On XX/XX/2018 I sent Equifax a second letter, in my second letter I requested the description of the procedure used to determine the accuracy and completeness of the information listed within my credit report. The name, address, and telephone number of each person contacted regarding this account, any documentation provided that is related to this account, and there method of verification according to FCRA 611 ( a ) ( 7 ). By federal law I have the right to request such information, however Equifax has failed to comply or provide me with any of the requested information. Given that I believe Equifax is acting in bad faith, and have not complied with the FCRA, I am filing a complaint with the CFPB. I hope that Equifax will take this matter serious, and realize what kind of impact, that there negligence has caused. I have experienced a tremendous amount of hardship and stress dealing with this matter.
For years I have been trying t

o find out 2 pieces of information from Navient : 1 ) What time of day is interest computed for each of my 10 loans? 2 ) What time of day is that interest added to each of my 10 loans? Navient refuses to disclose the answers to these two simple questions. I request an open response to this request on this CFPB forum.
We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.