WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of XXXX XXXX.
My sister and I opened loans at the same time. XXXX XXXX ( now serviced by Navient ) messed these up in their system. My sister has a loan that showed up in my account and on my credit report, but does not have my name on it. I have a loan that showed up on her account, but never showed up in mine. It was paid by her for years before Navient caught and fixed this error, and this loan shows up on her credit report. This loan does not have her name on it, but Navient denies that anything has changed on our accounts, even though we are fully aware of the changes that have happened within our individual logins. My loans are for XXXX, my sister 's loans are for XXXX. Navient has so far denied any errors or mistakes, and this is not the first time we have needed to go to them to try and sort out our accounts. We now have no confidence in what they are telling us and we need help sorting this out. The loan in question was paid by the wrong person forever, due to Navient 's error. They have denied anything is wrong. I have attached my bank payments over the last year showing that I have never paid the loan. Payments stopped in XXXX because this loan disappeared from my sister 's account, but there was no past due notice until XXXX when it showed up in my account. Navient 's system only showed the loan 17 days past due even though my account says XXXX. While I am the cosigner and student borrower on the loan, Navient has refused to give me any information on past payments of the loan, even though they have confirmed my name is on the loan. I am also attaching XXXX of my credit reports showing loan ending in XXXX with an original {$10000.00} balance which is not mine, yet is showing on my credit report.
I lost my employment in XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XXXX ), I started a debt management service in an effort to pay all remaining debts. Synchrony Bank was the holder of 2 of my accounts ( Lowes and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, Lowes is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX  for the Lowes account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact XXXX  XXXX XXXX XXXX XXXX, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or XXXX XXXX XXXX XXXX were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that XXXX XXXX XXXX XXXX continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
In XX/XX/XXXX, I made a payment to XXXX XXXX regarding XXXX XXXX XXXX XXXX to  settle the account in full under the condition that they would remove the account from all three credit bureaus. The company agreed. After numerous letters to Capital One, requesting that they send a contractual obligation bearing my signature, I have been unable to get the account removed. I was told that it would be removed. That has yet to happen and its been over a year. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX to remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so as agreed it needs to be removed from my report. Account Number as it appears on credit report XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXX XXXX XXXX, took payment to close and remove this account on XX/XX/XXXX.
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

XXXX made three erroneous updates on Equifax report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 XXXX went on XXXX looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
ABR Recovery is claiming this account was opened by me. I never opened this account, or signed for this account, or used the account. It was opened by someone else. Please provide proof that this account was opened my me. I have never negotiated with ABR Recovery. I called inquiring about this fictitious debt they claim I owe. It's simple. Provide proof I opened this account. They will not be able to provide proof, because I never opened it.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
I have six accounts in collection from XXXX XXXX XXXX XXXX XXXX Dates of service and amounts reported to my credit was incorrect. I called XXXX XXXX and was advised the debt can not be removed. The claims were only submitted to my primary insurance with XXXX XXXX and not my secondary insurance with XXXX. For XXXX/XXXX/XXXX {$550.00} for XXXX/XXXX/XXXX {$26.00} and {$230.00} for XXXX/XXXX/XXXX {$1200.00} my insurance at XXXX XXXX paid leaving a balance of {$540.00} to be billed to XXXX. For XXXX/XXXX/XXXX {$680.00} and for XXXX/XXXX/XXXX {$660.00} XXXX XXXX paid XXXX leaving a balance of {$420.00} to be billed to XXXX. XXXX XXXX reported the wrong amounts to all three credit agencies and never requested any referrals needed for procedures and would not do anything after I spoke with XXXX in billing three times.
I am inquiring about XXXX and XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
We had a mortgage loan reported on credit report with XXXX companies ( now reporting on credit report as owned by XXXX and asc ..American servicing ) .The loan was a fraud, documents switched, fraudulent notaries, loans we had actually never signed or seen ..we had know something was very wrong with our loan as we were paying over {$1200.00} more then what we had been told but could never get any answers our realtors disappeared. We knew nothing about this elaborate case till the XXXX County District Attorney contacted us and made us part of there investigation into our realtor and took him to court and prosecuted him ... I think it was XXXX felony charges against him.. I have since contacted XXXX to remove these items as identity theft and fraud were proven in a court of law but they continue to give me the run around and ask for police reports..I have non but I sent them all the XXXX DA information and court records which they ignore. ASC I also disputed but they also just reported everything back as accurate! According to all credit reporting laws this should not be on my credit report..please help.. thankyou.
Date : XX/XX/XXXX Reference : Harassing Robo Calls Frequently Complaint on : Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX Utah XXXX, XXXX. Debt Collections I have received frequent Robo telephone calls from Synchrony Bank on my business telephone. My call log on my report shows calls received from Synchrony Bank as early as XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I have telephoned Synchrony Bank and ask them to do not call my business telephone number. I do not have ANY business with Synchrony Bank. I have no open accounts or past due accounts with this bank. On XX/XX/XXXX at XXXX XXXX, I call Synchrony Bank at XXXX and I spoke with XXXX ; she placed my call on hold for more than two minutes, and she did not return to the call. I am requesting your assistance in getting this issue resolved. 
Thank you.
This account was cancelled but I was still billed. After paying full amount I was refunded partial what was paid but negative report was never removed as promised.
My loan servicer ( XXXX ) mistakenly applied a retroactive forebearance to my loan payments for the months of XX/XX/XXXX-XX/XX/XXXX after I had already made the payments in full and on time. They are now refusing to count those payments as part of my public service loan forgiveness ( PSLF ) qualifying payments. In addition there are various other months where they miscalculated my payments and as a result they are 16 months short of what my records indicate the right number should be. Since XX/XX/XXXX I have been requesting a review/recount and have been strung along by them repeatedly. The latest excuse is that they are waiting on approval for an expedited review since it has been so long, but even that approval has taken them over a month.
A reverse mortgage company solicited a mortgage from my XXXX Mother. She lives on the west coast the loan company is on the east coast. She had XXXX some time in the past and was hard to converse with in person and nearly impossible on the phone. The loan company sent appraisers and estimators to her house but no loan agents. She was given a list of repairs that would have to be made to her house as well as an estimate to have the work done. Although I was not in favor of the reverse mortgage it was not my decision. I was shown the estimates for the repairs and new that they were significantly lower than they should be and suspected the loan company of intending to submit a final invoice much larger than the estimates. Therefore performed all the repairs at my expense which the loan company did not like at all. They did there best to discredit the work but their inspectors had to acknowledge that all the repairs were complete and correct. Non the less it appears that the loan company added their original estimates to the costs of the reverse mortgage even though they did non of the work. My mother passed away from another XXXX. In the course of trying to sort out the mortgage and other affairs I found a document on her computer. It was a form stating that she had met with a re [ presentative of the loan company in person and that all aspects of the transaction were explained to her and under stood. I believe this document was a legal requirement and that it was e-mailed to her with instructions to print it out, sign it and mail it to them even though no agent and met with her in person. These are only some of the issues I 'm having trouble with. I 'm not sure what qualifies as a " predatory loan '' but my mother was pressured and misled. She would never had agreed, nor would any rational person agree to borrow XX/XX/XXXX dollars for three years in exchange for a house worth over XXXX.
Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.
My husband and I were approved for a loan modification and the mortgage lender still has not update our credit reports. I have sent them communications and disputed with the credit bureaus and nothing transpired. It has now been a year since the loan modification has taken place and our credit is still being impacted with their inaccurate reporting. The credit report shows us as being past due {$2400.00} as XXXX/XXXX/2016 the last update from my dispute. This incompetent mortgage lender SLS Specialized Loan Servicing company has ruin XXXX our credit for an year and I want it resolved immediately.
In XXXX my wife and I got a 2nd mortgage on our house thru XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. It was for a term of 120 payments begining on XXXX/XXXX/XXXX and would be paid off on XXXX/XXXX/XXXX. They were paid in full in XXXX XXXX and have not dropped the lien on our deed. Ca n't get in touch with them due to them going out of business in XXXX. We are trying to refinance our house to a lower interest rate and have been approved all but for the lien they have on the deed. This needs to be removed because they did get their money in XXXX when we filed chapter XXXX in XXXX thru payments. We have final decree papers that show a zero balance for them and this will be a big mess for our estate when we are departed if lien is still on deed. How can this be removed? Any help is great.
I'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim. 

Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount. 

Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location. 

But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state. 

- When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.
just type in " bank of america criminals '' on google, ok folks I found new evidence which is extremely important to all citizens how these fraudster miscreants trick everyone, and it is beneficial to all people, as it will show WITH CLARITY!!! does anyone know what is a " statement ''? after doing some research and studying  Boa 's  statements, heres what is revealed, a statement shows what was owed and what was paid, it 's not a true bill, and on my statement it surely does show what was owed and wha t WAS PAID!!!   PLAIN AS DAY THE NEGATIVE BALANCE WAS PAID AND BECAME A  XXXX  BALANCE, SO WHO PAID THE -NEGATIVE BALANCE? THEY DISCHARGES IT THROUGH THE UNITES STATES TREASURY ACCOUNT THROUGH THE BIRTH CERTIFICATE BOND JUST LIKE I SAID ABOUT  7-10  COMPLAINTS AGO!!! I WILL POST THE EVIDENCE TOMMOROW WITH A TALLY OF WHAT THEY OWE ME IN DAMAGES, THEY BETTER HOPE A LAW FIR M DOESNT T AKE NOTICE OF ALL MY COMPLAINTS AND EVIDENCE BECAUSE THEY WILL BE IN SEVERE SEVERE TROUBLE!!!!!!!     Bank of America makes 'dirty dozen ' list of criminal financial institutions ...     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - A watchdog group has compiled a list of banking 's " dirty dozen '' corporate criminals, and  XXXX , N.C.-based Bank of America makes the cut ...   Bank of America  ( Common Criminals ) |   XXXX    XXXX   XXXX   XXXX   Bank of America  ( Common  Criminals ),  XXXX , NM.  XXXX  likes. To anyone dealing with a mortgage loan modification, we feel your pain. 2 years for us, ...   For Bank Of America, Crime Is Now An Ordinary Course Of Business ...    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Between  XXXX   XXXX  and  XXXX   XXXX  Bank of America produced " Net ... they may be, comes from Bank of America engaging in criminal activity ... and ...   Bank of America to Pay {$16.00}  XXXX  in  XXXX   XXXX    XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Bank of America will pay a   XXXX   XXXX   civil penalty to settle the Justice .... Assistant Attorney General for the Criminal Division  XXXX   XXXX , ...   Bank of America :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Bank of America By  XXXX   XXXX . ... paid to settle lawsuits concerning its dealings with corporate criminals  XXXX    XXXX   XXXX   XXXX   XXXX   and  XXXX  (   XXXX   XXXX   XXXX     What do  XXXX   XXXX , Bank of America and crimes without criminals have ...    XXXX   XXXX   XXXX ,  XXXX  - In  XXXX  recent cases, crimes are whitewashed by pretending no criminals were involved.     Bank of America 's Recipe for Getting Away with Massive  Fraud ...      XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  - Inside the hypergluttonous megabank, whose criminal conspiracies we 'll all be paying for until the end of time. This  XXXX ,
I 've been a customer with citizens for years I manage my account very well I have a high credit score. I logged in and saw past 7 weeks I been charged XXXX $ in fees but I ca n't figure out how and why. My math and log ins were spot on I did n't miss anything. I went into the bank called XXXX supervisors and they said I 'm lucky they gave me XXXX $ back which was XXXX of the XXXX charges I concurred. Yet NO ONE CAN PIN POINT EXACTLY WHY THIS HAPPENED!!! I 'm sickened by this as I DID NOT make a mathematical error or forget to log in XXXX They said " we have next day funds available '' but then said maybe it because checks did n't clear but no one can tell me what checks did n't clear and when!!! I 'm looking for proof of what happened precisely and hitting blank stares and I dunno how to help u more. I feel I 'm being toyed with and need help this is robbery and a scam of the banks! They used to send letters but said now they do n't u have to look online so thy make it even easier for any mistakes to happen! This is not protecting ur money or interests it 's preying upon the weak or busy or unknowledgable and making them confused so they give in to this XXXX dollar scam! Please help