WillisBack/dataset-financial-user-claim huggingface dataset:
See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?
I 've been a customer of Bank of America for many years. As of late, they have been treating me poorly and unfairly. They are charging me an outrageous rate for interest and are not willing to comply or understand during financial hardship. I 've called many times and have left messages only to be rejected or not even have my phone call returned at all. This bank is careless and truly does not care about it 's customers. Even under new applications it states that the highest interest rate and was completely different that the one I was given. They even lowered my credit limit on another card for no reason.
Somebody has access to my credit report and I don't know who they are but they are trying to keep me from getting credit, I have been fighting this for years now and I am tired, my score keep changing, if thou someone is watching my credit on purpose to drop my score it has gone down in just XXXX days all three credit bureau, what can I do about this, if they have access to my computer, are my XXXX number what please someone help me I can not move forward of this I can not get a place to live, its not fair. Who is trying to hold me down, and for what?
Experian.Com has reduced my XXXX and credit score to " Poor '' based on an account that has been closed since XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened in XXXX XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
XX/XX/2018 XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX # XXXX Dear XXXX XXXX, XXXX. 

This notification is a formal demand that your shady collection agency remove the collection account from all three major credit reporting agencies immediately. Your collection agency was out to intentionally damage my good credit standing only to seek revenge against me for cancelling my service with shady XXXX XXXX. Your shady collection operation has been threatening me to coerce me into making small {$20.00} payments to the bogus account causing me extreme harm. If your shady collection agency fails to remove the collection account that was intentionally intended to damage my credit standing immediately, this consumer complaint is evidence that I will seek justice against your shady operations by filing a lawsuit against defendants XXXX XXXX and XXXX XXXX in the XXXX XXXX County Superior Court requesting a jury trial to bring your shady operations to justice. I  was never given a copy of the bogus contract. I never authorized the bogus contract. Please provide me a copy of the contract when your shady collection agency response to my consumer complaint. I question the authenticity of my signature on the bogus contract. I would like for your shady collection operation to allow my FBI forensic expert access to the original contract so my expert can authenticate it. Please notify me in writing of a good day and time when my expert can authenticate the original contract. I am going to tell your shady collection operation this for the last time - I do NOT agree with the outstanding balance. I have disputed the bogus balance many times in the past which went ignored. However, to avoid litigation cost and attorney fees I will agree to pay the bogus {$180.00} remaining balance ONLY if your shady collection agency send me a deletion letter agreeing to remove the bogus collection account from all 3 major credit reporting agencies. Once I receive the deletion letter I will call in the payment to satisfy the bogus balance. I cancelled my account with XXXX XXXX because of the terrible service, the questionable contract, and the shady billing scam spins. When I cancelled my account with XXXX XXXX the shady operation billing department immediately debited my bank account in the amount of {$180.00} and then NEVER sent me a bill for the remaining balance, instead, the shady operation was out to quietly seek revenge against me for cancelling the terrible service by intentionally damaging my good credit standing attempting to make it impossible for me to seek honest good service else where. These kind of operation contract collection scams printed by crooked lawyers are only designed to seek revenge against victims for cancelling services, which is truly designed to cause victims extreme harm. Its time the FBI kicks in the incompetent collection skinny swamp doors to drain the smelly collection agency swamp. Thank you for your cooperation and I await your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}
On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.
I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.
This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
There is a {$650.00} XXXX phone offer on my Citi AT & T access credit card. After all the requirements were met, I still did n't get the reimbursement after more than three months. First of all, I, as a client, have met all the requirements specified in the offer. I have contacted the customer service for more than three times and each time they told me that all the requirements were met and I just need to wait for up to three months. I have a screen shot for the chatting history to prove my words. Such long time period already violated the longest waiting time written in the phone offer. Moreover, I called Citi bank today and they asked for the receipt of buying that phone for reimbursement. But the offer agreement did n't show that the customer should keep the receipt. It is already more than three months and I could n't find the receipt.
My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.
On XX/XX/XXXX my account was closed and I was told to withdraw my assets. I attempted to do so, but each time the website gives me an error " XXXX verification required Before you will be able to complete this withdrawal, you must provide additional information ''. There is no way to provide the additional information. The link provided simply redirects me back to the account closure page. There is no way for me to withdraw my assets. 

Here is a history of the times I have contacted the firm to attempt to resolve my issue : XX/XX/2018 email Case # XXXX XX/XX/XXXX email Case # XXXX. 
XX/XX/XXXX call Case # XXXX XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email Case # XXXX XX/XX/XXXX call. 

I received a response in most cases, and the response was the same each time. You apologized, said the case would be escalated to a specialist, and then failed to contact me or follow up in any way.
Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.
Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.
I contacted States Recovery Systems when I saw medical collections pending.I gave them all they asked for including my social security number.They said they mailed details of their claim.I also gave them my email address. This has been over two weeks ago.They say in XXXX of 2013 I was taken by ambulance to XXXX XXXX XXXX. In addition I was treated for a XXXX.This never in my entire life has happened to me.
This debt is in all 3 bureaus collections sections and it is not a valid debt. It is from Hunter Warfiled on behalf of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, CA XXXX. 
I have also requested validation of debt on 10/29/17, through certified letter and did not receive anything back from this company. I then was called 3 times by XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX and was told they did not get the letter, even though it was signed for. I also was told I would be sues and called an XXXX. I then said not to call again and they called my Sister instead. I received one last call from them to my place of employment where they told my boss I was being sued. I am shocked by this behavior and very distressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through XXXX, XXXX and XXXX, shows a collections account that does not belong to me. I believe you have listed this account erroneously and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX XXXX Social : XXXX Account : 1. XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX. {$4500.00} Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX
I sent a letter to TransUnion in XXXX, and received a response today in the mail that they will not be updating my credit report to more accurately represent my profile. The issue arises from the reporting of a " photo '' radar traffic ticket that I was never made aware of. Upon first seeing this on my credit report, I contacted the City of XXXX regarding this ticket and promptly paid it in full even though I disputed the validity of the ticket, never being sent a notice, or being able to defend it in court. 
The City of XXXX has sent me notices that they have sent a " Clear Record '' to TransUnion as well. I even have a copy of this " Clear Record '' that I have forwarded to TransUnion myself. 

Also, TransUnion made agreements with the Attorney General of New York ( though the agreement stipulated nationwide ) about just this type of debt. TransUnion ( and XXXX ) agreed that " consumer debt that did not arise from a contract '' will no longer be reported. Specific examples mentioned in the agreement were medical debt and traffic related debt. 

Bottom line, this account being listed is in no way an accurate representation of my credit worthiness. Continuing to report this is causing me unnecessary harm. I am only asking that this " Paid '' debt be removed from my TransUnion credit report. 

I am including a copy of the " text '' portion of the letter that I sent to TransUnion in XXXX. 

-- -- -- -- -- -- TransUnion XXXX XXXX. XXXX XXXX, PA XXXX TransUnion, This letter is a formal complaint that you are reporting information that you should no longer be. 

I have no doubt that you have a desire to correct and ensure that my credit report shows only accurate information that is also PERTINENT to my credit history. 

The City of XXXX has acknowledged the issues that I have brought up previously, and despite also having sent to me a CLEAR RECORD that I have also already sent to you this debt remains listed. 

Additionally, and for purpose of this follow-up, I write due to a recent settlement that TransUnion entered into with the Attorney General of New York. I demand immediate removal of this " consumer debt that did not arise from a contract '' be removed from my credit report. My specific issue of receiving a traffic ticket is XXXX specifically mentioned as applying in my case of having no justifiable reason of appearing on my credit report. My claim also has to do with this ticket being of a " photo '' variety, meaning I never actually RECEIVED a ticket. Based on the settlement that TransUnion entered into, I can speculate that the Attorney General and TransUnion agree with me on the need to have this removed. 

My overall claims of this being valid in the first place also have merit. Either way, I ask for this to be permanently deleted from my report. 

XXXX / City of XXXX - XXXX XXXX # : XXXX, please send me an updated copy of my credit report that reflects this change. 
-- -- -- -- -- -- -- -- -- Thanks for your help!