WillisBack/dataset-financial-user-claim huggingface dataset:
See attached file/detailed letter to Bank of America. Please feel free to contact me for additional information. 

Bank of America mistakenly froze my account which resulted in around 16+ creditors having their payments from me refused, rejected, or denied by the bank. The best explanation I received from the bank was that the name of a non-existent person was mistakenly attached to the account and because attempts to reach this person were unsuccessful, they froze my account. One of their customer service representatives also mistakenly connected my debit card to my son 's account resulting in me draining most of his funds. Around five additional customer service reps also gave incorrect information to me or insisted that I had the wrong routing number and told me I would have to contact creditors with the " correct '' number. It turned out that all customer service reps were wrong. I have spent much of the last month dealing with phone calls, emails, and letters trying to sort out this humiliating and time-consuming situation. This " mistake '' has caused lasting negative financial, emotional, and personal repercussions. 

Full details are given in the attached letter.
I am noticing this debt on my credit report in which I have no knowledge of. I never received any notices but to my surprise it is showing on my report.
I have two capital one accounts reporting with a late payment on my report. I was kind of surprised so I sent in a request for statements of the months I was late since according to my knowledge i've always been on time. Every response they sent me seemed to try to avoid giving me an answer always requesting more information. I provided them with my social security number they have all the information they need.
At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.
I took a loan with CASH CENTRAL XXXX XXXX XXXX XXXX UT XXXX phone # XXXX and I agree to 80 % interest in the loan, but about 3 weeks ago I found out the interest they are charging is 180 % which I do not recall or understood, the loan was for {$2500.00} I already make paid over {$1400.00} and yet they have not apply anything to the principal. I need you help with steps to get this to the terms I understood agree please let me know if there is any assistance that I can get
The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.
I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people.
My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.
We have had repeated robocalls from Synchrony in regards to a supposed JCPenney credit card collection. The number they are calling from is XXXX. I contacted JCPenny chat with that information and informed them to stop or I would report them. It has been three days and the calls have quadruapled with no messages now.
In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
USAA Federal Savings Bank was arbitrary and capricious in the issuance of a XXXX, Cancellation of Debt. They also do not follow IRS rules for issuing the XXXX USAA XXXX refuses to provide their policy in writing for issuing XXXX. 

I owed XXXX debts of equivalent age and both over {$600.00} dollars. XXXX accounts were charged off by USAA three days apart ; however, only XXXX account was issued a XXXX. In the XXXX, USAA indicates in Box XXXX they " discharged '' the debt and in Box XXXX they do not hold me " liable for repayment '' yet they continue to seek reimbursement. 

USAA also failed to comply with IRS " Specific Instructions for Form XXXX '' and provide the telephone number to the correct department on my XXXX as " CAUTIONED '' in the IRS instructions ( they did n't provide any telephone number ). This blatant hurdle to customers is only further exacerbated by their refusal to provide me their written policy or established business practice ( for ceasing collection efforts and issuing the XXXX ) as required by the IRS. Couple this with the numerous different explanations of why I received a XXXX and why I still must pay, you realize their customer service representatives ( CSRs ) are not reading from the same script ; in fact ; some CSRs indicated I did n't owe anything. 

What 's ironic is that when I first approached USAA about the XXXX, they asked that I fax them a copy of it! 

USAA 's lack of transparency, and their inconsistencies and unfairness in applying policies they will not put in writing is POOR customer service. 

I have paid in full the account that was not issued a XXXX. However, I refuse to pay a debt that was " cancelled '', then " discharged '', and that I am " not liable to repay '' as indicated on the XXXX. Besides, the XXXX has to be treated as income on my taxes and a loss on USAA 's.
it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss
I have contact Transunion in regards to the inquiry from XXXX XXXX. I have asked them to remove the inquiry because the company stated that they have done a soft pull on my credit report therefore it will not leave an inquiry on my report. I had expressed that I do not want an inquiry on my report. Transunion responded and said the typical language that they had investigated the matter and found that the inquiry was mine. This is obvious that they did not even read my issue and to prove that they did not do any investigation. I have used the address they had provided and received an undeliverable address message back.
To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was " approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told " you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the " signature card '', but needed to verify this. Upon verification, she informed me I was approved for the " Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for " Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX XXXX XXXX
On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.
I am being billed {$500.00} for a credit card bill that XXXX XXXX put in unauthorizedly and American Express refuses to remove it. I only authorized one payment to XXXX XXXX of {$500.00} but he put in first an additional {$1000.00} that was denied and another {$500.00} when they would not give him {$1000.00} as I did not have that much credit with American Express.
TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.
Statutes of Limitations for the Bankruptcy record on my credit report. 
Dismissed XXXX XXXX/XXXX/2007 Case Number XXXX in addition if the employers XXXX XXXX and XXXX Broker be removed. 

Thx
Never provided debt validation ( Duplicate bills ) for multiple accounts disputed with bureaus a few times listed on my credit report in full detail of medical services with 30 days. Never contacted or correspondence received.
I pulled a copy of my Equifax credit report for review and noticed an item from XXXX XXXX XXXX on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.
Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
Bank of America has put my home into foreclosure eventhough I was supposed to receive a modification package. Furthermore a Bank of America and it 's contractor caused damages to my home.
Submitted request for all 3 free annual credit reports in October, 2018.  Promptly received 2 of 3 reports, did NOT receive the report from Equifax. 
This same issue occurred in XX/XX/XXXX and was resolved after reporting this to the CFPB.
Hi iam disgusted companys are offering help to people in forclosure but they have to own less than 50 % equity in there property? CFPB & lt ; that rings alarm bells for me, That is admitting that you have no chance of keeping your home, because the banks will retail through a third party i am fully aware of this situation haveing bee a victim of fradulent forclosure and perjury i owned over 50 % equity in my home that wells fargo / wachovia / XXXX stole numerouse court compensation orders to pay? but guess what no compensation recieved you are skaming the consumer in the usa wells fargo are crooks and you let them trade to ripp off more people and houses i request to have my numerouse cases investigates by whom the cfpb have to comply to the state senate you have stalled thhis proceedure and you are lieable for neglegence because you have not prosecuted i demand a senior member to contact me over this fraudulent activity by you and wells fargo bank i have just sent my full complaint history to the XXXX foriegn secretary acusing wells fargo bank of fraud, perjury, committed in american court of law, i have been treated unequal to american consumer i request this information by return iam send all correspondance involved in the case no missed paymants FRAUD committed
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records
I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I graduated from XXXX XXXX XXXX in XX/XX/XXXX and I started paying my loan shortly thereafter. Navient claims I started paying my loans on XX/XX/XXXX. My husband called Navient and asked them how the balance on my loans now after 20 years of monthly payments be more than the original. He was told because the loan had a forebearance. 
I hope you would investigate these claims because the monthly payment is due to increase to {$410.00} in XX/XX/XXXX. I hope this could be resolved by then. 
Navient recently sent me a letter saying that since I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to my loans. 
There hasn't been a natural disaster in my area for over 20 years.
I called the I c systems several times and told them that the debt is not mine. They refused to help.
I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.
Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.