WillisBack/dataset-financial-user-claim huggingface dataset:
Checking Account at Bank of America-XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, an unincorporated voluntary association. On or about XXXX XXXX, XXXX a Bank of America Officer closed the account and credited the funds to another association, based on their claim that " the owner/signers of the account resigned, left town and ca n't be located ''. They had no account number, check book, debit card or any account documents. The Bank made no attempt to contact the signers/owners. The closure and money disbursement was UNAUTHORIZED. The Bank sent no notice or closing statement. To this day we have not received a statement. We went to the Bank in person only to be told that another account now had the funds and told us of the " left town '' claim. We filed a complaint on XX/XX/XXXX, copying XXXX XXXX, Retail Banking President, and Audit in North Carolina. Their response on XXXX XXXX was that we contact the other party and resolve our dispute!! or they would file an interpleader action in court and charge us for legal fees. Our dispute is with the Bank for failing to secure our account, following no customary procedures for account closure, conversion, and negligence. On XXXX XXXX we wrote yet another letter to XXXX XXXX and the XXXX XXXX XXXX asking where their disclosure agreement gives them authority to close our account based on the deceptive claims of outsiders and without authorization or consent of the account owners ; they have yet to respond. When an unauthorized charge is reported on a credit card, funds are replaced almost immediately. I have never heard of a Bank asking the account holder to go " work it out '' with the scammer.
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.
Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.
I am working on fixing/resolving my credit. I have XXXX student loan accounts where I am looking to resolve the debt. Upon contacting the lender, to work out a resolution on XXXX XXXX, 2016, I was told the debt was wrote as a " bad debt '' to the IRS, and there was n't a rehabilitation program, unless lump sum amounts were paid.
PayPal signed me up for their Online Credit unknowingly. I was making a payment for my eBay order the way we normally do. But this time PayPal tricked the interface by opening XXXX windows and had me clicked XXXX yes/no 's, the interface was so confusing and misleading, it appeared that I was making normal payment for my order and PayPal was asking some additional questions to validate my identity. The fonts were so tiny and interface was so misleading that no one would come to know that PayPal was actually gathering DOB and last XXXX digits of SSN for credit approval, they were basically tricking me. 

I am closely monitoring and maintaining my credit score. I dint wanted any hard inquiries on my credit w/o my approval. But PayPal had fraudulently invaded my privacy. That is not acceptable.
I have been in contact with XXXX XXXX XXXX on a debt that I owe from a payday loan. In the beginning they would call me almost 10 times a daly leaving threading voicemails saying they would sue me if I did not contact them. I finally got ahold of them and set up a payment plan to pay the debt. I have been paying {$140.00} every 2 weeks since may of 2017. This past week I received a paper check and needed to take it to the bank for deposit there fore the payment did not go through. They contacted and left me a voicemail threatening to sue if I do not pay. I called back as soon as I could explained the situation and set up another payment. By the time I left work and looked at my check it was n't going to be enough to pay the {$140.00} on top of rent and all other expenses. I tried calling calling back to cancel the payment, but the office was closed. They called me the next Monday and XXXX who I 've been talking to the whole time was instantly rude he said if I did not pay the {$140.00} they would sue me. Keep in mind I have been making {$140.00} payments ALL on time. This payment was my second to last payment. I asked XXXX  if I could move the payments back 2 weeks and he sent me directly to a litigation manager. XXXX got on the phone and started yelling at me she again said if I did not pay the {$140.00} she would sue me and If I did n't have the funds right now and if she was feeling motivated enough she would contact a lawyer and have him at my door in a couple hours. I then explained to her exactly what I told XXXX and she said " Are you XXXX or can you just not hear? Either pay today or we will sue you. '' I asked her why she was being disrespectful ... mind you I have not raised my voice or anything at her I kept calm even after she called me XXXX. She said she was not being disrespectful and if I do not cooperate she would delete my card information with out my approval and right it off as I never intended to pay. I then asked for her supervisor. Her response is " I am the manager '' I said there has to be someone above you I can speak to them. Her response again is " I am the manger ''. At this point my patients is wearing thin and I asked again for her supervisor and her response " Wow you must really be XXXX ... I just said I am the manager what part of that do you not understand. What are you going to say to my supervisor ... Oh, I 'm sad because I ca n't pay my bills and XXXX is being mean and doing her job. May I add I do my job very well. You low life black girl why do n't you figure out how you are going to pay me today ''. At this point I 'm so angry I did raise my voice and said I want a manager now. Her response " let me get you someone to pretend they are my suporvisor. '' She then hangs up. So I call back and some new lady is on the phone giving me the same response " pay today or get sued '' again keep in mind I have been on time every 2 weeks paying {$140.00} every 2 weeks. This was my sencond to last payment and I need to move the last 2 payments. All of this is completely illegal not only did they call me XXXX.. they brought my race into it.
XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the  credit score c ausing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all   XXXX    credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ).  When I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers   XXXX   XXXX   XXXX    XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and Experian can lowe r my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the issue.
This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.
I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.
I have a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.
The credit reporting agency Equifax allowed a massive data security breach ( 143 million people affected ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. 

Equifax was irresponsible and careless in regards to the cyber security of my personal and financial data along with the other 143 million people affected. Equifax mishandled my data including names, Social Security number, birth date, addresses, credit card numbers and potentially my driver 's license and possibly more. That puts me at risk of identity theft and fraud due to negligent security practices in handling consumer information. I confirmed that I could be affected on the website, www.equifaxsecurity2017.com. 

There is nothing I could have done to prevent this. The responsibility rests solely on Equifax. I have initiated a fraud alert on my credit file and am seriously considering paying for a credit freeze to be extra careful.
I have an Amazon credit card issued by Synchrony Bank. I am trying to understand payment allocation and interest application policies used for this account but online information and customer service were not helpful. 

The website offers XXXX payment allocation methods. The standard, option 1, applies payment amounts in addition to the minimum payment to interest accruing, non-promotional balances first and then promotional balances ... except in the last two months of an expiring promotion where anything in excess of the minimum gets applied to the expiring promo balance. Option 2 applies the ENTIRE payment, including minimum payment, to non-interest accruing promo balances. Option 3 seems to do the same thing as option 1. 

My questions are : 1. How is option 1 different than option 3? 
2. How is the minimum payment calculated and applied for each allocation method? 
3. In a statement period where I have a non-promotional balance AND ALSO an expiring promotion, how do I calculate the payment amount required to pay off the expiring promo balance in full and also the non-promotional balance such that no interest is charged on either. 

4. In the above scenario, which payment allocation option would be most suitable if the goal is to not pay any interest?
On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete. 

The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent. 

Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent. 

On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved. 

Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me. 

For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.
XXXX XXXX XXXX XXXX XXXX XXXX never heard of them but their on credit reports for hard inquiry on XX/XX/2017. i was told its a hard inquiry and will fall off in two years like why should i care. it should be removed and companys should be more careful its hackers everywhere
RELATED TO CFPB CASE XXXX WELLS FARGO BANK. 
XXXX XXXX XXXX STATES XXXX XXXX XXXX IS INVESTOR / OWNER OF MORTGAGE LOAN. PLEASE PROVIDE PROOF OF THIS STATEMENT. ALSO REPORT THE DATE OF PURCHASE OF MORTGAGE LOAN AND NAME OF SELLER. XXXX XXXX XXXX STATES FOR HOME OWNER TO CONTACT SERVICER WELLS FARGO BANK. PLEASE PROVIDE LETTER OF WELLS FARGO BANK ASSIGNED AS SERVICER OF MORTGAGE LOAN BY XXXX XXXX XXXX.
I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.
chase stated that they will remove all fraudulent hard inquiries from my credit reports dated XX/XX/2017, XX/XX/2017 and XX/XX/2017. these inquiries are still reflecting on my XXXX  report. Chase sent me a letter in XXXX stating that the inquiries would be removed but have not done so.
Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair
I applied for the Citi Double Cash Card on XX/XX/XXXX and was approved for the card after additional verification steps on XX/XX/XXXX. This card was suppose to have a XXXX sign up bonus after I spent XXXX dollars in purchases. I asked them if I would receive the sign up bonus prior to using the card and the lady that I was speaking to said that she did not know. So after spending XXXX dollars I contacted the customer service department to see when I would receive my sign up bonus and they stated that I would not receive a sign up bonus because I didnt apply under the correct link. The sign bonus information is posted directly on the Citi website when you look up the Citi double cash card. Which is how I applied for the card. This offer was just created on XX/XX/XXXX for the sign up bonus. After seeing a article on XXXX XXXX for the sign up bonus on XX/XX/XXXX, I applied later that day. I have called multiple times to figure out why I was not receiving the sign up bonus and some of the customer respresentatives I spoke to hung up on me and I had to call back and they still couldnt tell me anything.
THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE