WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I bought a new car -A XXXX XXXX XXXX - The original cost of the car was {$19000.00} of which it would make a loan of 3.99 % for 60 months or payments of {$360.00} Unfortunately, I was trapped into buying additional power train insurance - The insurance was sold as an additional {$100.00} a month instead of financing an additional {$2700.00} and XXXX at {$3700.00} making the loan {$26000.00} - When I realized that the loan now was {$26000.00} Instead of {$19000.00} I complained the dealership - I was able to recover some of the money that I paid for the additional insurance - ( see detail payment loan payments ) My loan was not adjusted to the original 3.99 % interest for {$19000.00} @ 60 months or a payment of {$360.00}. I have continued to pay the loan at the higher amount of {$490.00} a month as if the loan was $ XXXX I have been paying the higher amount for the last 2 1/2 years - I requested to Wells Fargo to adjust my loan to the original amount and adjust the payment as {$120.00} Extra as additional loan payment towards the principal and adjust the remaining of the loan accordingly to the lower loan payment. 

Please see attached additional information XXXX XXXX XXXX
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.
Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on report
On Thursday XXXX XXXX 2016, I received my tax refund from the IRS to my XXXX Bank of America Account. 
Subsequently, I transferred by phone a portion of the refund to my XXXX Bank of America Account. 

Later that day, I went to a Bank of America location at XXXX XXXX XXXX. XXXX to transfer funds to another Bank of America Account to pay a bill. 
At this point, I was informed by the Teller that the transfer would not go through and I should speak to an Associate. 
What was discovered was that there was a Hold placed on both my XXXX Account and the XXXX Account, and were overdrawn by " - {$880000.00} ''. 
The Associate contacted the Risk Department to have the Hold removed ; but was told it could not be done because the IRS put the Holds on the Accounts, due to " TAX FRAUD ''. 
An Investigation was opened by the Risk Department and I was informed there was nothing else to be done but wait for the Investigator to contact me. 

THIS IS FRAUD BY BANK OF AMERICA : First : The IRS would Not place a Hold on a Bank Account after Electronic Transferring of a Refund ( see attached documentation of proof of Transfer from the IRS ). 
The IRS would Not contact 'Bank of America ' of Suspected Tax Fraud. 
The IRS would contact the 'Taxpayer ' ( myself ) ONLY with a 90 day Notice ( in writing ) of Suspected Tax Fraud. 
The IRS would Hold the Funds and NOT transfer any funds to the Taxpayer 's Account, pending resolution of the matter between the IRS and the Taxpayer. 

To site " TAX FRAUD '' as Justification for placing Holds on the XXXX Accounts is FRAUD BY BANK OF AMERICA and is a violation of my Civil Liberties. 

Bank of America has no right, nor jurisdiction to place a Hold on ANY of my bank accounts, and has provided an INVALID EXPLANATION to justify Bank of America 's actions and attack on my Civil Liberties. 

1. ) I received my Tax Refund from the IRS ( which is substantiated and verified by the IRS and on IRS website ). 
2. ) I used my Tax Refund to pay my bills. 

Second : I have been a Bank of America Customer for over 20 years. 
- All of my Bank Accounts are with Bank of America - All of my Personal and Business Transactions are through Bank of America. 

THIS MATTER SHOULD HAVE BEEN RESOLVED WITHIN MINUTES AT THE BRANCH LOCATION : The Associate should have been able to remove the Hold from the accounts at the Bank of America Financial Center at XXXX XXXX XXXX. XXXX '. 
Bank of America could have verified in minutes the validity of the Transactions, just by looking at their Bank Records. 
1. ) The ID Number for the IRS in connection with the Transfer of the Funds is that same number from the past Tax Refunds I have received for the past 15 years to the EXACT SAME BANK ACCOUNT. 
2. ) ALL of the Electronic Transfers were WITHIN BANK OF AMERICA 'S SYSTEM. 
3. ) NO MONEY WAS WITHDRAWN. 

There was NO NEED, nor Justification for leaving the Holds on the Accounts, nor any Justification for opening an Investigation. 

I was given False Information by Bank of America and its Employees with the Risk Department. 
Bank of America Failed to provide a VALID JUSTIFICATION for the Holds on the Accounts and resulting Investigation.
Hi I filed a complaint about this company a few weeks ago but forgot to mention that the company admitted to no disclosing important information about having the option to make a principal only payment. For the past three years I have been making regular payments to Santander Consumer USA for an auto loan, but did n't realize this simple interest loan takes the money from my car payment and applies it to interest first then the remaining to the actual balance. I was told that this is what I signed, but when the dealership sold me the car they said it was a regular loan. Someone was n't being honest and I got sucked in. Now, my car is only work XXXX but I owe twice that much. I requested that the auto loan company send me an original cooy of the contract, but they have n't yet. They also admitted and I saved the transcript of the conversation that in the contract they fail to let consumers know they can make XXXX payments per month. XXXX is for interest and the other is for principal. Had I known this I could have paid down this loan much faster. I would like them to adjust my balance.
I submitted a dispute about my balance XX/XX/XXXX for American Express. On XX/XX/XXXX, I received a letter from American Express stating that " We are unable to locate the American Express account since it has been purged from our records, we have requested that the reporting agencies delete all info pertaining to the account from credit report. '' I waited a few months, each month American Express would continue to report derogorities on my credit report, thus lowering my score. Finally I disputed with the credit bureaus on XX/XX/XXXX with the letter from American Express as evidence. As on XX/XX/XXXX, nothing has changed, American Express is still on my report and reporting negatively each month.
In XXXX, XXXX and XXXX the entire month everyday, XXXX XXXX XXXX contacted my family members telling them that they were a law firm and that they were calling about a XXXX and if they would n't tell them about my whereabouts that this could escalate to me doing jail time and possibly them getting in trouble for not giving them the information that they asked for. The person name was XXXX. He contacted people that I did n't know on XXXX with the same information and I have the messages showing that they told the person that they did not know me and they kept persisting that they did. Threatening them as well. This is illegal and they should not be collecting if they can not follow the laws and regulations. They overstepped their boundaries when they discussed my personal information with my friends, family, and XXXX friends. My mother is elderly and they had her all upset telling her that I would be arrested and face prison time. THIS IS XXXX. I will also seek legal ramifications because everyone that they contacted will testify against them. I 'm in the process of filing Bankruptcy and I 'm already XXXX and dXXXX. This is the last thing that I need.
XXXX XXXX calls me and my girlfriend about 6 times a day, about 20 times in the last week. I called to find out the frequency of the calls and was hung up and continuously put me on hold.
I notified XXXX and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to XXXX and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after XXXX was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and ACT continued calling. Account Control Technology made several calls to my cell phone in violation of the no contact request. The XXXX
I am a victim of identity theft. The following account and credit inquiry is listed on my Equifax credit report and is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XX/XX/2018
i told them on XX/XX/2017 not to raise my credit limit over XXXX but in a few months time they raised my credit limit to XXXX and in no time my bill was XXXX & most of it was cash advances at the casino i am a XXXX XXXX thats why i told them in XXXX not to raise my credit over XXXX i dont think i am resp onceable for XXXX of my bill.
I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.
XX/XX/XXXX I would like to file a formal complaint against Merchants & Medical Credit Corporation , Inc of XXXX XXXX XXXX XXXX MI XXXX. I understand they are a related company of XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX about whom I filed a complaint with you
on XX/XX/XXXX.
I do not have, nor have I ever had a XXXX credit card. I advised XXXX XXXX XXXX of this in writing on XX/XX/XXXX ; however, it has not made any difference. I further advised XXXX XXXX XXXX on XX/XX/XXXX that my wife had a XXXX  credit card that has been managed by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX, phone XXXX or XXXX since lateXX/XX/XXXX. Again, this has not made any difference as XXXX XXXX XXXX continues to call multiple times per day to each number instead of contacting XXXX XXXX XXXX XXXX as directed. Now I am receiving letters from Merchants & Medical Credit Corporation , Inc.
Please ensure that Merchants & Medical Credit Corporation , Inc. removes my information from any XXXX credit card and removes all information reported by either them or XXXX from all credit reporting agencies. Further, please ensure that Merchants & Medical Credit Corporation , Inc. ceases all contact with either me and directs any contact with my wife through XXXX XXXX XXXX XXXX as referenced above.
Thank you!
I received phone calls at least twice a day every day. I have written letters to request validation of the debt and no reply. I have never had a XXXX credit card.
I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
In XX/XX/2018, I received a call from Navient asking me to make a payment of {$2500.00} and then I can pay {$200.00} a month with zero interest. Instead, Navient, took my {$2500.00} and {$200.00} each month. They used all the money for interest and very very little for principle. They constantly annoy you with calls and they lie to people just to get the payments. Please I need your help. I paid them {$2500.00} and four months of {$200.00} which is another {$800.00}. I really need your help.
I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.
I was never join with XXXX XXXX auto loan, idk why its on my account can you please remove it from my credit report asap thanks
I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.
XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.
we were looking into refinancing to lower our monthly payment ... called a lender and they discovered we were being overcharged ( double the amount ) for escrow. we contacted DiTech and requested a refund for the overage and our monthly payment to be adjusted. we were satisfied and also thankful that was discovered and also disappointed in ourselves for not realizing this. since then, we have been harassed with bad debt phone calls by DiTech, and notice statements two to three times a week from them claiming we 're two months behind in payments ( we have never missed a payment ). It has been non-stop, my husband and I have spoken to numerous customer service people, and supervisors whom all have been very uncaring and unhelpful.
This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXXs, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, Experian, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
I 've always had a rep payee and they have always paid the bills in their own name, while taking the rest of my checks and using them for their own purposes. Now I do n't have a rep payee and I had gotten out of prison after 10 years, I did have valid credit cards which were taken and used but no payments were made while I was in XXXX XXXX XXXX XXXX. I have been out of jail now for over 5 years and spent over XXXX of them at XXXX XXXX XXXX home. I started a bank account at XXXX XXXX XXXX XXXX, but since I 'm XXXX and I had to rely on other people 's to do my banking when the weather conditions are too bad, I have been ripped off of over {$150.00} which XXXX XXXX XXXX XXXX refused to help me overcome, they then closed my account and charged me {$99.00} more for this. 
I 'm in a XXXX I ca n't help but rely on emergycare to get me home when my XXXX dies. I ca n't even pay them when my dies on the street and they charge outrageous rates to go XXXX blocks, plus as for my phone bill from XXXX XXXX XXXX, I 'd just pay them and they would tell me I did not pay them and then they 'd cut my service, charging the same amount as I was paying for my monthly service, which was also inferior to other companies services. 
I always pay my debts but am always told that I do n't. 
Now I ca n't open a bank account, get a credit card or even find a job. 
My bills are paid as far as I made legitimate purchases that I 'm actually able and cognizant of making. I ca n't pay for services that I need on an emergency basis and I ca n't cover fees that I was supposed to have made while I was holding on for life or from a hospital room, and I 'm especially not going to pay for costs that I did not make. 
Plus I can see if I just used these services for recreational purposes but I never used any service included herein for any purpose other than what they were absolutely needed for. 
I ca n't even find decent housing and am on the verge of losing the apartment where I currently stay, so what good is it going to do if I ca n't find a place to stay and end up back in jail to keep insisting that I have to pay all these charges when my cell phones were stolen and used without my knowledge or permission while I was at XXXX XXXX. Am I really responsible for these things? And do I really need to pay outrageous fees for things that were either necessary or done in my absence or without even my knowledge?
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
When it came time to repay my private loan Navient was completely unwilling to work with me on payments. More than $ XXXX a month is not affordable when that is pretty much all that you make. My co-signer just received Social Security now. We have XXXX loans reporting as delinquent monthly on our now destroyed credit with no relief in sight with interest ballooning the payments. I wish they had just never given them to me.
XXXX XXXX placed three hard pulls on my credit report in a two day period ( two on XX/XX/18 and once again on XX/XX/18 ). Three hard pulls were not authorized. This is excessive and unnecessary
XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd   XXXX   XXXX   XXXX   wo uld not do anything to correct this issue.