WillisBack/dataset-financial-user-claim huggingface dataset:
Last summer, XXXX XXXX XXXX, I went to the Bank Of America ( XXXX XXXX, XXXX CA ) and sent ( intern transfer ) XXXX U.S Dollars, that was still left in my account, to my Account in my country ( XXXX, XXXX XXXX XXXX ) before closing the U.S account and go back to my country. However it never got to me. So i have tried several international calls to tell them about the situation from XXXX and they ( Bank of America ) told me that my money was still there ( they did n't send it ) so they wiki send them again, but again it never came. 

So i asked the XXXX agency to take a look about this situation and they have found out that they have mistaken the RECIPIENT 's name on the form, so that is why the money can not go through the international transfer. Apparantly, according to the XXXX XXXX XXXX, the money is still there in the money 'pool ' of Bank of America , which every Bank has to keep the unknown money. 

I have tried to contact Bank of america afterwards as week but they keep on asking me my account number but i do n't have them because i have closed it before leaving the country. 

Please help, Best, XXXX
I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.
American Express advertises their Blue Business Plus card ( for small businesses ) as having " 0 % APR on purchases and balance transfers for 15 months ''. I was assured by 3 different American Express telephone sales reps that that is correct. I applied, but the card I received has no such offer for balance transfers. I was then informed by 5 or 6 different customer service reps ( including one supervisor ) that there is no such benefit.

As of today ( XX/XX/XXXX ) the website still shows this offer at https : XXXX I think that is fraudulent advertising.
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 times  explaining the info is inaccurate. Equifax constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
I have been approved for a refinance that will save me a lot of money. My current lender -- Freedom Mortgage- has agreed to reassign the loan ( XXXX ). We have been waiting XXXX weeks for the XXXX. I suspect they are being slow since they are making {$150.00} a day in interest payments. I have left numerous messages and they are never returned. I am feeling ripped off each day.
Portfolio Recovery Associates ( PRA ) has paid out millions in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. Portfolio Recovery Associates ( PRA ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from XXXX XXXX Account # XXXX. XXXX XXXX stated in XXXX XXXX credit bureaus that the account was sold to Portfolio Recovery Associates, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC v. Portfolio Recovery Associates ( XXXX ). XXXX XXXX admitted that the initial first late payment was XXXX XXXX. Accordingly, XXXX XXXX, based upon the 7-year rule FCRA has deleted the above referenced account. Portfolio Recovery Associates ( PRA ) by extension from XXXX XXXX has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that Portfolio Recovery Associates does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all XXXX XXXX accounts across the board with all pertinent credit reporting agencies. XXXX did through its own internal investigation remove all XXXX XXXX accounts and the collection of PRA. Portfolio Recovery Associates ( PRA ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by XXXX XXXX is the only item necessary to validate the removal date of the original account and any extension to a collection agency. PRA compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction PRA for trying to re-age a debt already proven obsolete by XXXX XXXX and XXXX major credit bureau, XXXX. PRA needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
In XX/XX/XXXX, I had XXXX XXXX Account. I requested the account to be closed after my final payment on or about XX/XX/XXXX. When I pulled my credit report last year, I was shocked to notice that only was the account not closed, but there were XXXX XXXX Accounts listed. Both of these accounts were sent to collections with balances owing. I tried to contact XXXX and they told me that they transferred the accounts to XXXX XXXX and then purged their files. I called XXXX XXXX and they informed me that they did not have any record of these accounts at all. They told me to contact the credit bureaus. With the help of the XXXX the collection companyacknowledged the error and agreed removed all XXXX negative tradelines on my credit reports. XXXX and XXXX removed the items immediately, however Experian still lists the innaccurate information.
I contacted a company by the name of Guranteed Rate XX/XX/XXXX and was assigned a mortgage person by the name of XXXX, who advised me that combining XXXX mortgages would not be a problem and at the time I had an Excellent rating on credit. I submitted all the documents requested over a two month period then was asked to have my wife get put on the loan and I did that also, this turned into in excess of XXXX months of back and forth with this lender, who by the way did XXXX Hard Hits on my credit report lowering my credit, and when I asked XXXX why she said that is common, emails for proof. This company also over charged me for my home appraisal which I informed XXXX of but she said I would get that refund at closing. Last week they told me that I was NOT getting approved after several emails telling me I was. Minimally I want my Full Appraisal fee returned and would like to pursue this complaint against this Guranteed Rate
On XX/XX/XXXX XXXX automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. XXXX agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.
I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
On XX/XX/2018 I transferred {$1400.00} to my aunt in XXXX XXXX and I paid {$16.00} as fees. XXXX told me that the person should receive it in 10 minutes. My aunt went to XXXX  in XXXX the next day, they told her that she has to go to XXXX. She went and they told her that the transaction wasn't well done to call XXXX. From XXXX, I called myself, the first person told me that it can be resolved to wait a moment. Then another person came, I believe he isn't in USA, asking me same questions plus my license # and the reason for the transaction. When I said that it was a gift, he declined to process the transaction and told me to go back to XXXX they will reimburse the money. All the burdens for nothing.
There are several things wrong in my credit reports but there are 2 that bother me the most. The first one is that I XXXX my daughter XXXX XXXX XXXX after her biological father gave up his rights. My ex wife divorced me and I got stuck paying what should have been his child support to pay. I understand I am responsible for my XXXX  daughter but I disagree with reporting my child support payments to the credit bureau. That is personal information and is not a loan and people mistakingly misjudge my character when I am the one that stepped up and took responsibility.

Also, I am an XXXX XXXX  veteran having served 8 years in the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I recently had to file for chapter XXXX   bankruptcy because there is so much stuff on my credit reports that is over 7 years old that is confusing when I go to buy a car or apply for a mortgage. American consumers are not getting the protection against financial powerhouses that they deserve. The average American cant afford to hire an attorney and get incorrect credit issues removed. There should be more in favor of the consumer instead of the incorrect information that big data wants to keep on us. Give consumers a break and crack down on XXXX, Transunion and XXXX. I had my bankruptcy discharge and it says it wont fall off until XX/XX/XXXX. I am not a billion dollar corporation just a hard working American. Help
My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.
I XXXX XXXX had a mortgage loan with Selene Finance, LP., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX Identified as Loan # XXXX, for property located at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I sold the house and closed on XX/XX/XXXX. Selene Finance provided a pay-off letter to the closing agent, XXXX XXXX, XXXX in XXXX, XXXX, on XX/XX/XXXX at XXXX XXXX reflecting a pay-off balance of {$240000.00}. on the same day, on or about XXXX XXXX I made a payment in the amount of {$2100.00}. However, the payment was never credited to the pay-off balance and the pay-off letter was never updated. The closing statement reflects a payment made to Selene Finance for the full pay-off balance in the amount of {$240000.00}. When I made my last mortgage payment on XX/XX/XXXX, the statement reflected a pay-off balance in the amount of {$240000.00}. 

I contacted Selene Finance and requested a full refund of the last payment made in the amount of {$2100.00} since the payment was made after the pay-off letter was provided and was never credited to the pay-off balance. I also submitted a request in writing to Selene Finance, but I have been ignored and Selene Finance Refuses to send me the overpayment. 

By way of this complaint I am asking the Consumers Finance Bureu to assist me in recouperating my overpayment in the amount of {$2100.00}, plus the insurance reimbursement made by the homeowners insurance company. 

Additionally, Selene Finance, always charged more escrow that was required and never refunded any excess payments made on the account during the term of the loan. 

I could be contacted by email at XXXX or XXXX. XXXX XXXX, XXXX, XXXX XXXX or on my cellular phone XXXX.
I made contact with XXXX  Visa credit -XXXX XXXX   regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.

As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.

So, since then I have been getting calls and texts. I contacted them today and was my account is behind.

I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind. 
I had made a partial payment yesterday and was the other half by the due as expressed on the statement. 
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.

My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today.. 
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.
This is regarding my BOA Visa Card - XXXX. We frequently receive this very attractive offer for 0 % offer cash for a set amount of time. 

We take advantage of the offer, and still want to use the visa card that ends in -XXXX for purchases, knowing that I have to pay ALL purchases off every month form the prior months statement, with some of the Cash offer being carried for the term. 

Often, Bank of America Visa calculates interest on purchases which is not disclosed as part of the 0 % Cash offer. See attached statements and Letter to BOA regarding paying 100 % of our purchases and NOT carrying balances at all for purchases, in fact we pay off some of the cash offer borrowed earlier. 

We only ask for what's fair and in their favor appears to be {$84.00} that needs to be returned. We no longer use the card for purchases and we think that Bank of America should advise that customers who take cash advances not use their card for purchases unless they want to be charged interest. It does appear to be a mistake, as other credit cards that we have 0 % cash offers with with purchases being made & paid off every month have not had this issue. 

The Advertising offer mentions nothing about using the same card for purchases. Please see attached.
Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money.
I have sent a letter to this company. They are still reporting this incorrect information on my credit report. It is ruining my credit
XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Chase Quickpay with XXXX offers ZERO protection. Once you send the money its gone and they refuse to help you