WillisBack/dataset-financial-user-claim huggingface dataset:
We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!
I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX
I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
The original creditor XXXX opened an account in XXXX, they sent me to collections in XXXX and each year it falls off my credit report and then about 3-6 months later another collection agency appears on my credit. I do not owe XXXX over $ XXXX never have.
I tried disputing with Equifax  & h ad trouble verifying due to fraudulent info & I also called  XXXX  & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that since  2011 som eone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.
Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them.
On XX/XX/XXXX, I obtained my credit file and noticed that Experian had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Experian received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Experian sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Experian how they verified that these accounts were mine and that they were accurate. Experian received this letter on XX/XX/XXXX which I have proof of. Experian once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Experian continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>
XXXX XXXX XXXXXXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
I sent a certified lett er to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
I appreciate the response to my original complaint : XXXX. I agree with everything in Mr. Cooper 's response ( attached for reference ) except the most critical point of my complaint and problem. Regarding the HAMP Tier II modification that was approved : 1. When I received the final modification package, the signature page included signing blocks for both me and my ex-wife. 2. I immediately called my  dedicated loan specialisXXXX, XXXX XXXX, and was specifically told that both signatures were required. I was working with a lawyer at the time and he was also told the same thing. I was unaware of HAMP Supplemental 09-01, XX/XX/2009 at the time. The Supplemental states " If a borrower or co-borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property is not required to execute the HAMP documents. '' Mr. Cooper had the divorce decree as well as the Quit Claim Deed that  clearly complied with the above language. Being told my ex-wife had to sign was clearly illegal. I have nothing in writing stating what I was told, but why would I make 5 trial payments if I didn't want to sign the modification. I am humbly requesting that the modification be reinstated. Or, if this is not possible, I request that similar terms be applied to resolve the current situation. I understand that the HAMP guidelines have  expired, however, I am hoping someone can apply some logic to this situation so I can avoid losing my home.
I signed up for my free credit report pursuant to Transunion 's services and the XXXXday free trial ( after which I 'd be charged {$16.00} + tax for a monthly " subscription '' ). Upon the end of the 7 days, I tried to cancel but found no way to do so online, nor did I find any information as to a phone number to call to cancel, and I also could not find further instructions when I searched " cancel '' in the website 's search bar. I believe Transunion is purposely making it difficult and unreasonably burdensome for consumers to cancel their memberships so that they can charge them {$16.00} per month for the subscription. It seems very likely that Transunion is taking advantage of the busy nature of people 's lives and the little time they may have to fully mete out this issue. There is certainly a consumer protection issue when a company has intentionally tried to conceal a person 's ability to cancel a recurring charge that he or she otherwise has the complete right to do.
After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
I had a loan modification through the HAMP program and it became permanent in XXXX 2015 and was filed with the XXXX XXXX XXXX County Property Deed Office XXXX 2015. I also had to file a chapter XXXX bankruptcy which was converted into a chapter XXXX in XXXX 2015. I requested to have the Debt reaffirm with Bank of America as the payments were being made. I have contacted them on several occasion in which I am constantly being told to call back and the numbers do not correspond with the FHA loan modification and therefore putting off being able to reaffirm the loan with the correct amounts as well as prolonging a discharge in my bankruptcy case. I spoke to several representatives in the BK department and finally today I spoke with a supervisor who is reviewing the papers and does n't understand it. The people that do the reaffirmation are not able to talk to me and I am XXXX. Also they are not updating the credit bureaus and reporting that I have a current loan status.
Account for XXXX XXXX, XXXX, RI XXXX XXXX, I am writing on behalf of XXXX, my XXXX and myself and our struggles with her student loans that are serviced by Sallie Mae / XXXX. When we first signed up for these loans we did some of them through an agency called the XXXX, RI and later some directly with Sallie Mae. Our experience with all involved has been subpar and at times unprofessional from the people at the XXXX when we went back to ask for help and they said they only set them up and we just wanted answers on what the processes are, we being treated fairly and in the repayment process. I am a man of great integrity and I said I/we made the agreement ( s ) and will make the payments. We had and still struggle to help XXXX and in most cases are paying the bill with at more than a XXXX dollars per month and no real end in sight is bending us to say the least. At XXXX point we could not afford to pay them and placed them into forbearance a process I was never really comfortable with but had no real choice to keep other obligations in our life met. The forbearance process was foreign to us and we agreed to pay interest only never told that that was really like paying rent on the loans with zero net affect. At no time were we ever offered alternative payment plans or income based plans that our XXXX could afford in fact we were told they did not offer those programs to our XXXX. Now years later I read that they withheld plans that would have helped from us, to say the least this is disturbing and seemingly illegal at the very least. If a person opened a business and treated people like they have, they would have to answer to someone and more than likely be in jail. My last comment is that we are now and have been paying nearly eleven XXXX dollars a month and the principal goes down pennies on a dollar. I would welcome the opportunity to have more dialogue on these issues and can be reached at XXXX or XXXX. We are not looking for anything free we are just expecting to be treated to the same programs that had/have been apparently offered to others.
I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX
Received a call at work alleging I owed a payday loan with XXXX taken out on XX/XX/XXXX ; when I requested documentation to be emailed, the caller ( XXXX ) claimed it could not be done for several hours. The caller claimed to have contacted my home on XX/XX/XXXX, my phone records show no calls on this date. I advised the caller I had not taken out a loan with this company and it is illegal to contact my place of business. The caller requested my credit card information which I declined. The caller called from WWCC located in XXXX, XXXX and is not licensed to do collections in the State of XXXX and in accordance with XXXX 's statute of limitations for debit collections is three ( 3 ) years which has expired as of XX/XX/XXXX. Again, I have not done any business with XXXX or any entities associated with this company.
I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX.
I XXXX that happens to be a Corporation. I wanted a new credit card that I could use for expenses XXXX vendors, etc. ) that would offer high acceptability and rewards. I opted for the Capital One XXXX for XXXX, that offers 2 % cashback on all purchases. Like the other XXXX accounts the corporation has, it requires a credit check for both myself and the corporation. The other XXXX accounts, XXXX with XXXX and XXXX XXXX, all report only to the Business entity, since it is a corporation and is treated as a separate person. In applying for those XXXX lines of credit, they show up as a 'hard ' credit inquiry on my personal credit, which was XXXX understood and assumed. However, the Capital One credit card shows up on XXXX on the business entity and my personal info. Highly unusual, but as I understand, legal ( especially when considering my excellent credit ). I informed them of this perceived inaccuracy and they assured me this is their standard practice, to dual report on all businesses, regardless of type XXXX sole prop, llc, corp, etc. ). Unsatisfied, they transferred me to a kindly young lady named XXXX at executive account resolution. Over the course of approximately 3 weeks, she was unable to provide any written disclaimer stating this was the practice of Capital One. As of today, she directed me to a statement that is located on the XXXX Bullet Point of the section titled " Additional Terms and Conditions '', which states that we ( I and the business ), " Authorize the receipt and exchange of credit information on XXXX the Business Signer and the Business, including the exchange of information between Capital One and affiliates ''. This is not a disclaimer relevant to my concern. If it had been known to myself that dual reporting to the XXXX credit agencies was to be expected, I would not have applied or accepted this credit offer. I suspect strongly that this is not easily solved- not for a lack of being complicated, but for a lack of stubbornness on Capital One 's and the credit bureaus. I have not contacted the Bureaus since they have not done anything wrong.
In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says " BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were " pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the " Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation.
Today we received a notice from bank of America that they are selling my mortgage to another company called   XXXX   XXXX   XXXX   XXXX  , taking place as of   XXXX   XXXX   2017, which the reviews on his company are terrible, they also say that this company just keep charging you late fees when in fact you are paying your mortgage on time. Can I stop this practice of Bank of America from selling my mortgage to his company? What can we do as consumers? We received this notice 13 days before this change taking place.
On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, XXXX, and Experian. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from Experian on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including Experian are still showing all of the accounts on my report and none deleted. Experian mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.
I asked for verification of debt in XXXX and the company has not verified the debt to me. Since it did not verify the debt within 30 days, it should be removed