WillisBack/dataset-financial-user-claim huggingface dataset:
Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me!
Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.
On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.
On XX/XX/2018, I received a debt notification letter from XXXX XXXX XXXX ( CCS ) advising me a debt for {$830.00} from original creditor XXXX XXXX XXXX XXXX XXXX. I have no idea what the debt is so on XX/XX/2018 I send the collection company a letter requesting validation for this debt. As a response from my validation letter, CCS states that since they were able to contact me at my address this is validation. I feel like this is not proper validation.
I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.
Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely,
XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX XXXX : Acct # XXXX ( Vehicle Car Loan ) The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the XXXX credit agencies and remove all late reporting. As you know my account is paid in full. 
Recently, I have begun search for a more financially rewarding career in the Federal government and it has come to my attention that my late payment ( s ) with XXXX XXXX XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and security clearances. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing.
Equifax had deleted an account with a company ( XXXX XXXX ) and sent me another credit report. They also said that they took steps to where this account would not be put back on my credit profile and now it is back on my Equifax credit report. I sent them a copy of the report after the investigation stating that they deleted the account and took steps so it would not reappear. The strange thing is that they have a total different address for this company than XXXX or XXXX which makes me feel that something isn't right.I would like to ask for your help in resolving this issue please? Thank you very much and XXXX XXXX.
My credit amount was lowered without proper notification and valid reasoning. I called Synchrony Bank and spoke to XXXX different people and no one at Synchrony Bank could give me a valid reason for doing so. I believe Synchrony Bank is violating my consumer rights and the Equal Credit Opportunity Act.
My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation
We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us.
On XXXX XXXX, XXXX payment on a past due balance was made at the XXXX in XXXX Al. I was advised that once payment was made, this account would be deleted from my credit report. This payment of {$230.00} was paid by debit card and I received a reference number. As of XXXX XXXX, XXXX the balance was being incorrectly reported to the credit bureau. I contacted AWA, an agency employed by XXXX to collect the past due balance, to advise that the balance was paid in full. I spoke with XXXX XXXX a customer service rep and I spoke with her supervisor XXXX XXXX who were both given the information regarding payment. They stated that a reference number was not " good enough '' to update the account and that XXXX would need to contact them to have the balance updated. I contacted XXXX who in turn stated they would send the information over to AWA to correct the account. A direct dispute was submitted on XXXX/XXXX/XXXX to XXXX, who on XXXX/XXXX/XXXX determined the account as being verified and that it met 'FCRA '' requirements. AWA has continued to not only report the incorrect balance but but continually and erroneously increase said balance monthly by {$1.00} which has affected determining my credit worthiness to other lenders. On XXXX/XXXX/XXXX I contacted AWA and spoke with XXXX XXXX she advised that they still show a balance in their system for the amount and that only XXXX can have the account closed since XXXX is their client. She also stated that no info was received from XXXX regarding the account status. XXXX stated that she was not able to or had access to the information on who needed to be contacted at XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection department at at XXXX and spoke with a customer service rep there who stated the following : on XXXX payment in the amount of {$230.00} was received and my account shows a {$0.00} balance ; on XXXX/XXXX/XXXX the account was notated closed with collection agency ; on XXXX/XXXX/XXXX XXXX contacted AWA who was notified that the balance had been paid in full. As of XXXX/XXXX/XXXX the balance showing on my credit reports of {$290.00}. AWA has continue to a ) increase the debt each month to the credit bureau b ) gave incorrect information once the dispute was filed c ) refused to contact XXXX or accept the confirmation number given by XXXX in order to update/report the correct information and continue to report this as an open account with the balance increasing monthly.
Today is Saturday XX/XX/XXXX. Last night I tried to make a online payment. It did not go through so I tried to log into my bank account using my phone app. The app said I needed to update my password and wanted to send a confirmation code to phone numbers that were not mine. I went to the bank first thing this morning. The assistant branch manager sat with me and looked at my checking account and we saw that a XXXX withdrawal from paypal hit my account on XX/XX/XXXX, followed by a {$150.00} withdrawal, neither which I had any knowledge of. I contacted XXXX, while I was sitting at the bank this morning, and verified that the charges were coming through because the hacker knew my bank account information. The assistant branch manager spent an hour with me filing the fraud complaint. It dawned on me to look at my other XXXX savings accounts. Turns out the new savings account I opened on XX/XX/XXXX with a {$25.00} deposit, had been drained by the same XXXX withdrawee on XX/XX/XXXX, two days after I opened the account. We then spend another XXXX minutes filing the fraud complaint for the savings account hack. The reason I came into the branch on XXXX was to get a card replacement because mine was cracking in half. On XX/XX/XXXX I was told a new card would be coming with about 5 days. I found out today that the card was never ordered. Today the assistant branch manager offered to expedite the delivery of my replacement card. After I left the branch today, I tried to make an online purchase, and the card did not go through. I called my bank, figuring I needed to authorize the charge because of the fraud complaint I filed this morning. The representative tells me that the bank put a fraud hold on my account last night when I was trying to make an online purchase, because they thought it was suspicious, even though this is a payment I 've made twice I the past with no problems. I asked why I had n't been notified about this potential fraud, and why had n't the assistant branch manager who is sat with for 1.5 hours earlier today, told me anything about the suspected fraud hold placed on my card. She said they had notified me via a phone call. I asked what phone number they called. My bank had XXXX phone numbers on file for me, XXXX of which are completely foreign to me. They called the wrong phone numbers. They are currently unable to tell me how these phone numbers it to my account. I feel that they are bungling the fraud that is being committed against me, and they have also bungled potential fraud that they are misidentifying. I let the operator I was speaking with today know that I would filing a complaint with the CFPB and it was her duty to also file a complaint on my behalf. She said the representative I was being transferred to would take care of that for me. They let me know that our conversations were being recorded. Thank you for any help you can provide in getting this matter resolved.
Submitted a dispute with transunion XX/XX/XXXX regarding a closed XXXX XXXX a count reporting adverse on my report. Date of first delinquency is XX/XX/XXXX and therefore delinquency should be removed by XX/XX/XXXX. Transunion will not remove the delinquency. Other 2 cb 's have already removed.
I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. 
First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. 
Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. 
Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. 
Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. 
Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed.
THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX
I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
The credit reporting agency is reporting XXXX XXXX on my credit report this is not my account
my complaint is with you. I receive e- mails from you, I have a case number but when I call to give you up dates you say you have no records of my case under my name or e- mail address. WHY? my case number is XXXX if I do not exist how is it you send me e-mails
XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money
Complaint already filed on XXXX XXXX of XXXX being worked on separately. I hate to file this on the bank but I have no other choice. I purchased a brand new travel trailer on XXXX XXXX, by XXXX XXXX, I still had received no merchandise for the loan they took out on me. As of XXXX XXXX, I was advised that XXXX XXXX was in the process of flat cancelling the loan. I have gotten nothing but lies from both companies. I have filed complaints and ca n't get returned calls. On XXXX M & T Bank confirmed to me they had received the collateral from XXXX XXXX to flat cancel the loan and my account would show updated and closed on Monday. I have been more than patient but am now questioning if either company is telling me the truth. Today is XXXX and the loan is still showing open and accruing interest. What on the earth is the hold up? I ca n't deal with this stress much longer. It is killing me! Thanks for any help in reaching out to this company. Attached is the documentation for the conversations between the bank rep and myself. This has gone on for far too long.
They have Harassed me on my personal line, called my job multiple times on different numbers. They said I took out a loan with XXXX XXXX in XXXX ( i have never taken out a loan before with them and Never took out a loan until XXXX but with my personal credit union for car loan. Total amount they say i owe is {$1500.00}. They are the collector with XXXX for XXXX XXXX. 
They have threatened to take me to court, take out of my work paychecks, and can give me NO information about their company and say it can go away once i pay.They dont have the correct name on file, along with address and SSN. nothing is legit, but the calls/harrasments are getting to much. 

I know this is a scam, but the harassing is getting intolerable.
I applied for the Barclays Arrival Plus card on XXXX XXXX, under what I believed to be a 0 % introductory APR for 12 months on all purchases. In reliance on that perceived 0 % APR, I spent approximately {$8000.00} on the card while paying down other cards. I was shocked to review my statements and find that I had been charged {$130.00} in interest over the past XXXX statement cycles. The statements made no mention of the 0 % APR I believed I had applied for. 

I called Barclays customer service and spoke to XXXX. She claimed that the Schumer box on my application made no mention of an introductory APR for purchasesXXXX I always read Schumer boxes, and would not have applied for the card if the box indicated otherwise. XXXX claimed the burden of proof was on me to provide a screenshot of the box on the initial application - a ridiculous standard. No consumer should ever have to systematically record every interaction with a financial institution in anticipation of being deceived! 

There are XXXX possibilities here. The first possibility is that the Schumer box did mention a promotional APR of 0 %, but a glitch in the system at Barclays led this to drop off the application. In this case, I am clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

The second possibility is that the Schumer box did not mention a promotional APR on purchases, but that the marketing materials for the card were in some way deceptive or abusive. In the case of a XXXX violation, I am also clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

I have attached the application landing page currently used to promote the card. In bold font, this page clearly calls out a " 0 % Introductory APR for 12 months. '' Additional copy mentions that the offer only applies to balance transfers made within 45 days of account opening. But the use of bold font, combined with the exact phrase " 0 % Introductory APR for 12 months, '' XXXX strongly imply that the promotional APR applies to purchases as well as balance transfers. I believe this meets all XXXX prongs of the test of Deceptive Practices per XXXX regulations:1. The act or practice misleads or is likely to mislead the consumer ; ( I have clearly been mislead in some way, since I reasonably believed I had a 0 % promotional APR on purchases. ) 2. The consumer 's interpretation is reasonable under the circumstances ; XXXX I develop similar XXXX assets for a living and am well-versed in XXXX compliance, and have never had a negative experience with another bank or card issuer until now. ) 3. The misleading act or practice is material. ( I have been charged {$130.00} in interest, and would be charged over {$1000.00} in the next year given my current balance. ) I would encourage a full audit of all marketing assets used to promote this card, and demand appropriate resolution of my case.