WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.
TransUnion has not updated my car payments as current since XX/XX/XXXX all payments has been paid on time am
d I have all statements as proof as no late fee 's or payments received to XXXX XXXX XXXX. When talking to XXXX XXXX XXXX  has stated to me they report every month and it seems Transunion does not correctly update information to this account as current and paid and its been 3 months and no payment update.
I signed up for CareCredit card to pay for dental expenses with no interest if paid on time. I was on auto pay so as not to be late or miss a payment. I was charged more then {$74.00} in interest. Care Credit said the 6 month period was just a promotion. Why would I sign up for a credit card that charges 26.99 % interest, I already have a regular credit card with 14 % I would have used that? Dental offices, etc. promote this card as a way to pay for medical expenses not covered by insurance, easing the financial burden by having free interest for 6 months. It was presented to me as a way to pay for my dental expenses interest free always as long as I paid each bill on time and within 6 months.
Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers.
I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank. 

cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period. 

I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX. 
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account. 
I sent a request to M & T Bank ' CEO, but no response either.
RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Bank of America Topic : Bank of America responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Bank of America Account # XXXX. 
However : Bank of America was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Bank of America ( for her own reasons ). Additionally, Bank of America requires a copy of the death certificate - Bank of America did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Bank of America did close the account. 
Result : Issue resolved. We will continue to work with Bank of America and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Bank of America will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of XXXX XXXX XXXX
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of XXXX XXXX . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD XXXX LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND XXXX REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. XXXX is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of XXXX failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!
Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   XXXX   XXXX  .
Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing.
From XXXX 2016 to present, Citifinancial has continued to report erroneous information on my credit report. I have attached the response I received from them. They state that I took out a loan, secured and defaulted with a property located at XXXX XXXX XXXX XXXX XXXX FL. This would not be possible, since I have never owned a property at such address.
I contacted XXXX multiple times to try and get my SCRA benefits put in place. I even emailed them a document of my military XXXX orders to their SCRA department. The dates of these emails were XX/XX/2017. A few weeks later my account was closed and sold to a collection agency 2 weeks later as reported by my monthly credit report. I did not receive any emails back from there customer service after XX/XX/2017.
Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.
I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.
SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.
I recently received a letter from Equifax stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XX/XX/XXXX regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Equifax investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : XXXX, that 's when we show that it was opened and it was actually closed XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay XXXX moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : XXXX. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.
HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS.
Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX
Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
I was a XXXX customer, bought by XXXX XXXX XXXX, ballooned into having to file a Chapter XXXX and during my bankruptcy, my loan was then taken over by Nationstar. Finished my Chapter XXXX, now 11 months behind and over {$100000.00} paid in interest alone in two years right under the trustees and attorneys noses, nothing to principle. Now, I 'm supposed to be current, not- and for the first three years they were listed in XXXX spots as a secured creditor, never filing their secured debt. Confront my attorney and nobody seems to know why this was allowed to happen. Now, I come out of bankruptcy, I 'm 11 months behind and my bank ca n't help me because I have to be current twelve months, to even refinance with them. The amount they valued my home when they took over was XXXX. This is lunacy that they can still continue to do this right under the judicial system 's noses and my interest is still 8.75 % fluctuating. So, basically, I 'm in a foreclosure status after paying all that money. Not to mention I was paying my own insurance and so were they, while I proved it, they made no effort to correct the issue. Nationstar sent a XXXX page payment schedule so while the courts were paying # XXXX to XXXX XXXX XXXX, the actual secured mortgage # XXXX was accruing more late charges and the payments sent to them were allocated to the mortgage then deducted from Nationstar and sent to XXXX XXXX XXXX. Therefore, the original mortgage was being neglected and actually using the court system to get more and more money. The Final cure document was not for my current mortgage it was for # XXXX not # XXXX.
I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.
This account XX/XX/2013 has a {$0.00} balance and is past the California statue of limitations. This account is still on my credit report and closed.
Back in the year XXXX, I applied for a US federal student grant to attend XXXX XXXXXXXX College. I did receive the financial aid funds! 9 years later in XXXX I receive a letter stating that I owe XXXX XXXX XXXX XXXX {$1100.00}. I was confused and started to analyze the reason behind it. In the mean time XXXX XXXX XXXX   unfairly reported to credit bureaus as if I am not paying back my student loan. Eventually I have sorted out the problem with the XXXX XXXX XXXX XXXX and contacted to 3 credit bureaus to delete the negative report from my credit file. XXXX and XXXX cleared the negative report instantly except this company called Equifax. It has been a year that I am dealing with this matter with this company. I have filled a dispute online, spoke with them over the phone and nothing seems to work. I keep getting customer service people from overseas and they do not understand the difference from a student loan or a grant! I am fed up and looking for an alternate solution THANKING YOU IN ADVANCE XXXX XXXX
Complaint- XXXX  , XXXX and Equifax- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, XXXX or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX- Equifax XXXX  XXXX XXXX - $ XXXXEquifax XXXX XXXX XXXX $ XXXX EquifaX 2.  XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX 3 . University of XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX   If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!