WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action.
The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.
Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.
>XX/XX/2019 opened CD online with {$12000.00} for 9 mo term ( 2.1 APY ). I was not given a chance to print or to download disclosure but I received it by mail later AFTER I had asked for it. 
>XX/XX/2019 Saturday closed it US Bank charged 6 mo interest penalty plus {$25.00} for early withdrawal penalty fee {$120.00} + {$25.00} = {$140.00} It gave me credit for the accrued interest {$18.00}.
Between XX/XX/XXXX and XX/XX/XXXX I disputed a BK ( bankruptcy ) that has been discharged since XX/XX/2009. I disputed with TransUnion. I also called the courts, which is The Bankruptcy Courts Of Mississippi, located in XXXX, Ms . The courts stated that they do not share information with the credit bureau. They also stated that they have no record of contact with TransUnion. I'm writing this complaint to the CFPB to have TransUnion remove the BK ( bankruptcy information from my credit file.
I worked for XXXX XXXX XXXX in XXXXuntil the business closed, They have since gone out of business. I signed for many things when the owner was not in the office. I signed for a credit card machine for the company. I never used it for personal things. The machine was returned to the company per owner. 

This company continues to put it on my credit renewing it over and over. He said he would make it a personal vendetta. 

If this was something I personally owed it would of been paid. As you can see from credit rating. I pay my bills and all on time. 

If there is anything you can do, it would be greatly appreciated. 



Yours truly, XXXX XXXX XXXX from XXXX Mail on XXXX
On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.
I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
was making payments on a monthly basis. I included the last 3 months, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. If you see the dates the checks were written, and deposit data, some months when we wrote a check, the previous check hadn't even cleared our bank account yet. Turns it over to collection in XX/XX/XXXX. I may have made the bare minimum that we could afford, why except payments at all? There is absolutely no reason he turned it into collection. I was, and am violated, humiliated and harassed by his actions. See all the documents enclosed, check issued dates, deposit dates. Example, check # XXXX was issued XX/XX/XXXX and deposited XX/XX/XXXX. This happened numerous times in the year XX/XX/XXXX alone. Again, the humiliation was, and is very stressful, along with the harrassment I am now receiving from the collection agency. I was literally violated and embarrassed. I was making payments on a monthly basis and all of a sudden turns it over to the aggressive collection agency. See documents enclosed
XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.
I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX
When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!
An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.
I have been in debt with Wells Fargo for over a year and my debt only increases. I have asked them to arrange monthly payments since I can no longer afford the minimum payments. They started calling my parents personal cell phones as well as my parents house phone. I never authorized any of my information to be shared. My debt has increased over the past eight months even though I have not used it once in those eight months. I went from oweing {$16000.00} to about {$2700.00}.
XXXX/XXXX/15 I signed up for a XXXX Credit Tracker program to see my report and Fico credit score. 
I called them to verify cancellation and was told as long as I cancelled within XXXX day, there would be no additional charge. This is not true. They billed me XXXX on XXXX. I called today to discuss this and was told there was no refund and that i had only signed up for a XXXX day program. Had I not called to verify being able to cancel, I may agree. However, my biggest compliant is the actual package. Yes, I got a credit report but the " score '' was either not my FICO or was inaccurate. It gave me a number of XXXX. The same company gave XXXX XXXX XXXX. It gave XXXX XXXX XXXX and I could go on. Even for XXXX what did i pay for? Credit reports are to be free once a year. Disputes are also free to file. I have ever done anything else with them except that. Today I was told i had logged-in to look at the report. No, I open the consumer site looking for a phone number! There is misinformation, false advertising and possibly fraud here in what they say they offer. The supervisor told me to look at the page I logged on to for the disclaimer about the XXXX day trial. Even looking for it I could not find it. They have a mulch-colored box with all their services and packages and at the very top of the page on a grey background in grey type, it does mention the 7 day trial. This is done intentionally so that a consumer will over look it. There is no doubt about this. I want my money back.
On XX/XX/XXXX I lost my job. I applied for a loan modification through the current mortgage XXXX XXXX. I was approved on XX/XX/XXXX for a modification. On XX/XX/XXXX my loan was sold/transferred to Fay Servicing. Fay Servicing did not honor the modification and denied my assistance. I applied various times for a modification and was always given the round around. I was told to submit the applications various times. I submitted the application a total of four ( 4 ) times with various requests to submit the same documents over and over. I am submitting my application and the approval letter from XXXX XXXX approving my modification. I have contacted Fay Servicing various times through phone calls and emails, but no replies. I have even contacted the lender, XXXX XXXX XXXX. To date, I have had no luck in communicating with Fay Servicing.
I have sent 3 requests to have inaccurate dismissed bankruptcies removed from my Experian report, along with a letter from the US Clerk of Courts verifying that they did not provide this information to Experian. I sent a letter dated XX/XX/XXXXand XX/XX/XXXX with an unverified response, another letter on XX/XX/XXXX and I have not received any response to this letter and it has been more than 30 days. Experian has not provided any proof verification of the validity of these dismissed bankruptcies. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.
Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.
I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Based on their instructions I was able to confirm that my information, to include personal identifiable information, was included in the breach. My identity is no longer reasonably considered to be " secure ''. Equifax was unable to safeguard the information. 
I understand that Equifax is a victim here as well, however, my entire identity is open to theft.
I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.
The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.
TransUnion made changes to my report but still has a phone number related to identity theft as the phone number in my fraud alert. 

TransUnion has failed to block information related to XXXX account XXXX which had fraudulent activity as result of identity theft as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I have submitted police reports, identity theft affidavit, proof of identity as well as a statement that I did not receive goods or services as a result of these disputed transactions, and that the request was not due to error or material misrepresentation. 

TransUnion has failed to block the following inquiries as a result of this identity theft even though my identity theft affidavit stated I did n't apply for credit with these lenders : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.
on XXXX/XXXX/XXXX XXXX from XXXX XXXX XXXX contacted my employer and then contacted me on my cell phone to adivse me of an out standing debt owed to a XXXX XXXX i adivsed him im having problems with my insurance carriers and he threatned to get XXXX lawyer to sue me, he also stated if i dont pay he was going to report me to all of the credit bureaus. i went on to to advise him that i was tryin to work with my insureance and HR department to rectify the issue, he stated he is still going to contact a lawyer phone number was XXXX XXXX
XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.
Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide
showing inaccurate information just want a free report to see the issues for sure company not willing to send me my free credit report