WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their " Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness.
GM financial requested to repossess my vehicle on XX/XX/18 on or around XXXX XXXX. I contacted them shortly at XXXX XXXX and they provided a payoff of XXXX which included repo fees and delinquent payments. I gathered the funds ( from taking out a loan through my bank ) and attempted to contact GM after XXXX. At this point they are closed, as is the impound yard where my vehicle is stored. Monday, I took care of 1. Payment via XXXX XXXX for XXXX plus XXXX fee, 2. provided proof of insurance, 3. obtain release from police department, and waited the 3 hours for them to contact me. ( XXXX ) I contacted GM financial to follow up around XXXX XXXX. I was advised that they can not release the vehicle until I make an additional payment of XXXX which was due by XXXX XXXX. Technically I still had time to make that payment. I advised that i would make the payment in a few days since I completely drained my account to get my vehicle out of impound/repo. XXXX would not assist at all. She stated that I would be able to get my vehicle out once I made the additional payment-which was never advised to me after talking to over 6 representatives throughout the day. She then proceeded to tell me that the vehicle wouldnt be ready that day even though I satisfied every single task they asked of me at XXXX XXXX. She called me at XXXX and told me the release was complete and sent, leaving me 8 minutes to get to the impound yard. I contacted XXXX XXXX XXXX and XXXX XXXX who both confirmed they didnt receive anything from GM financial. It is now XX/XX/XXXX, I  contacted XXXX And Lenders Recovery, they received the release email this morning at XXXX XXXX but no release attachment from GM Financial, so again, my vehicle is still in impound. They sent an additional release with the correct form at XXXX XXXX. I contacted lenders to set up an appointment time to pick up my vehicle at XXXX today. While waiting, the representative at XXXX XXXX states, she got a phone call ( after making an appt with me ) from XXXX  staying not to release the vehicle again because GM financial put another hold on the process. Needless to say, this has been a complete hassle. I believe that they purposely took my vehicle on a Friday after XXXX XXXX because they knew I could not get everything taken care of within an hour time frame from when I called and the impound company closing. I was without a vehicle for 5 days. They also maliciously waited to tell me of this additional payment until XXXX when I initiated the call because they knew the process would take 3 hours to complete, again leaving me without a vehicle with XXXX babies. I fulfilled every requirement first thing Monday morning and still have no vehicle as of XXXX XXXX PST. 

In addition to this complaint they have also harassed me by contacting me over 5 times a day. They have even called as early as XXXX PST which violates the FDCPA. 

I believe that this entire ordeal from XX/XX/XXXX-XX/XX/XXXX was completely deceptive, causing a major inconvenience in my personal and business life. I made every effort to rectify the problem ASAP, however I felt that GM financial made the process extremely difficult.
I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere.

Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase.

One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product.

Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?
Equifax continues, to allow XXXX XXXX XXXX, to report in accurate information on my credit file. Which is a violation of the FCRA. XXXX XXXX XXXX has never notified Equifax that the account is being disputed, another violation of the FCRA. Equifax has also failed to do a proper investigation. Which is a violation of the FCRA. Equifax keeps stating the account has been investigated but they continue to send me the same credit report with the same account showing the same amount of late payments and adding new late payments. This Truck was repoed XX/XX/XXXX and is still reporting open on my credit file, everytime I dispute this account the company adds more late payments. This is a violation of the FCRA.
We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them XXXX checks. I confirmed they received XXXX check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a letter stating they could not raise my credit limit due to a stop payment. I tried to explain with no resolve. I must admit I lost my cool with them during this discussion. They told me they raised my credit limit a few weeks prior. I asked them why no notification? They did not raise it, this was a lie. I told them we have excellent credit rating and I did not want them tampering with it due to all there errors. 
Our error was paying in advance in good faith. I would suggest to others to use great caution dealing with this company. I should be noted that prior to this conversation they awarded us XXXX air miles for the hours we spent on the phone with them.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DIVERSIFIED CONSULTANTS Partial account # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX or ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe XXXX in a charged off account originally from XXXX XXXX XXXX. You also did not provide a complete account number and I don't see how you can say this is mine when there is no record of an account number from XXXX XXXX XXXX either. This is a formal notice that your erroneous claim ( s )  is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Collection debt for XXXX XXXX is reappearing again. It was discharged last year after working on it for 6 months. Now a year later it is with a new debt collector. This was discharged by XXXX XXXX.
I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.
Transunion is supplying data for a habitual violating furnisher without permanently blocking. 
See CFPB XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX after multiple verifications, updates and certifications continues to damage me with unfactual information. 
On this report they show in collection in the payment record and the case closed in XX/XX/2012 ( this is false ) .They show last pymt made XX/XX/2012 and months of collection following this date ... this is obviously false.The payment records false recency is damaging. 
The furnisher ca n't get the record right after multiple attempts to do so ... ..I do n't have to suffer this without recourse.
hello- I was involved in the XXXX breach and the Transunion glitch. Now all of a sudden, I have numerous inquiries on my credit report that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. My credit was very good with no derogatory information and now these items have appeared on my report. I have done an excellent job with making sure I have positive credit. But these factors are eliminating me from purchasing a home. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. 
The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check.
We have been working and trying our hardest to modify our mortgage with SPS, it 's been nothing more than stress for us. We do n't talk with the same person, no one knows the same answer. You can call one minute and talk with someone get an answer, call back and get a completely different answer. We 've been trying since XX/XX/XXXX to modify our mortgage our interest rate is 7.5 %. Also the paperwork we need to fax, one person says it 's all complete then we get a letter saying missing information we fax, then they need another paper. So we have a customer rep that we ca n't get a hold of. It 's been exhausting we do n't want to lose our home we are trying but they just delay in reviewing our case. Why our mortgage was given to them, it 's been XXXX. Our mortgage is {$1100.00} we live in a twin home and have bad credit we are trying to work with them but they do n't seem to really care. I know the answer they will give as I 've seen the automatic response so all complains. Then we 're getting act XXXX letters, why are we getting them and foreclosure when we are in middle of modification, is n't it dual tracking. We just want results and save our home we 've had for 32 years.
I was informed by my bank XXXX XXXX, XXXX that my business checking account was being closed, the letter states I will receive my funds via a cashier 's check, I have yet to receive a cashier 's check. this is the letter I sent to my bank in an effort to resolve and retrieve my funds from my closed account. 

Dear XXXX Department, This letter is in reference to my business account ( account # ) which has been unduly closed due to fraudulent activity on my daughter checking account. I have been a account holder with Bank America since XXXX, over the years with Bank America Ive experienced many of your business tools and several applications up to maintaining a merchant account, and Ive never had any problems with any of my bank accounts. 

In XXXX I encouraged my college bound daughter to open a bank account with Bank America as part of a generational step in her financial future, never did I think it would result in fraudulent activity on her account resulting in the interruption of my business account. This interruption, the freezing of my account funds is creating a major problem for my business, I can not pay my bills, or make any purchases. 

It is my declaration that I, my name have no knowledge of how the fraudulent activity occurred on my daughters account, nor do I have any association with the fraudulent activity on my daughters account, and I am completely unaware how this fraudulent activity happen. And may I add these accounts were not link, I was only added to my daughters account in case of emergency. 

In closing I wish to remain and maintain my business account with Bank America, Ive been very satisfied as a customer at Bank America, so I kindly request that you unfreeze my funds so I can proceed with my business financial matters. 


Regards, My Name My phone number,
I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. 

I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. 

On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!
We opened a HELOC account at Citizens Bank in XXXX. At the time, we opened a checking account as well to avoid having fees on the HELOC account ( Citizens had a deal ). Our checking account had minimal money ( around {$1100.00} ) that we only used to pay the HELOC loan. In XXXX, we finished paying our loan and over time forgot about our checking account. Citizens bank began charging {$9.00} per month once we did not meet the XXXX transaction minimum in the account. We had originally signed up for paperless statements, but we were not told that we needed to also sign up for alerts to actually be told when the paperless statement was available. We have not used this account now for 26 months ( no atm withdrawals, no checks used or ordered, ... ) In that entire time, we have received no communication from Citizen 's Bank about our account ( since we did not have the Alerts feature turned on ). For 26 months, Citizens Bank has collected a {$9.00} fee for a total of {$260.00} of our {$1100.00} balance ( 23 % ). Again, they never marketed to us about the alerts, we never received any information about the account ( we had to know to go online and check ). We recently found this out as we were looking to possibly use our HELOC account again for a home project. When we called to see if our line was still active, we were also informed about our checking account. While I understand that these fees were disclosed when we first opened our account, the fact that we received no communication, were not told about alerts, and were basically ignored while our account continued to just be a source of funds for Citizens is appalling. We used no features of the account, Citizens was able to lend our money, and yet they charged us {$260.00} - if we finally had not called, they would have taken the entire balance over time. In my mind, these practices are unfair and deceptive. There is a full lack of responsibility to do what is right for the customer - ie marketing a different product that is more in line with the needs of the customer or viewing inactive accounts for possible communication or upgrade. I contacted Citizens after learning these facts and they agreed to waive {$40.00} ( XXXX late fees ). Again this is {$40.00} out of {$260.00} of fees on an inactive account. I would appreciate any assistance in reviewing their policies on inordinate fees, communication, and account review policies.
this company has called me several times threatening if i dont call them back they will take action. They never state where or why they are calling. They call several times a day. They also call my friends and family asking personal information about me. I have asked them what company they are with and they wont tell me. Repeat that 'I am hiding from someone and should be ashamed '' They have threatened to call my work place. The  Guy on th e other line identifying himself as  XXXX   XXXX  is very unprofessional and speaks to you very rude and disrespectful. He also states he sends mail to my house that I must respond to. I dont know what mail or even the name of the company he is with.
Good evening. I was reviewing my XXXX inquiries and noticed that an inquiry under the name Cbna/bby appears for the date of XX/XX/2017. I would like to state that I had stated to the Best Buy employee that I had no prior existing credit whatsoever and yet was still told to proceed with the application which was then denied. I believe this act was unjust on the best buy employee 's end because I was mislead into thinking I would even be approved for store credit in order to purchase the item in payments ( which I actually had the cash in hand for ). It is not fair that a store would still have a teenager attempt an application in effort of them to attempt to receive another account receivable who would have to pay a higher interest on their purchase.
I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number XXXX.