WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.
I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, Equifax and XXXX who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be several thousands of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
Despite my three written request, the unproven noncompliant account listed as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, as XXXX and XXXX has already removed the accounts and the accounts still remains on my Equifax credit report they are in violation of the Federal Law. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!
On XX/XX/2018 Santander allowed {$3400.00} to be withdrawn from my account without notifying me. Thus they were complicit with scammers in stealing. Santander have never made public the receipts of the transfer on XX/XX/2018 or the transfer deposit or {$3400.00} into my account Nor have they made public the receipt of the request to take the same amount of funds out of my account. We only have their word that the funds were place into the wrong account. it is my accusation that they did not check the original receipt to determine if the funds were put into the wrong account. nor did they contact me to ask if I was aware that the funds were expected. It stead they work around my approval to remove the funds nor did they verify that the funds were in fact went into an account not requested. 

I expect that Santander make all documentation public and a copy given to CFPB and to me. I was expecting the funds to be deposited into my account and i gave my account numbers and Bank address ( XXXX XXXX ) and the name on the account so the funds could be deposited. I was unaware that this was a ploy to steal the funds ( reducing my savings ) By allowing this to occur without notifying the account holder or to checking the receipts the bank is allowing a back door for scammers and thieves to remove funds in a fraudulent manner
a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,
I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.
I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.
I have a Citibank mastercard credit card, which I always pay on time since I got it 3 years ago. I have this card set up for a monthly automatic payment of the full amount, but in XX/XX/XXXX I decided to pay only the minimum amount and contacted them to change it. The person helped and made the changed by phone easily just for that specific month, leaving the auto payment still set up for the following months. The next month, I did exactly the same and called them again asking to set up a minimum payment for XX/XX/XXXX, but at this time the person did a mistake and did n't suspend the auto payment of the full amount. What happened its that the minimum payment was done ( as requested ) in the amount of {$11000.00}, but in the next 2 days Citibank debited the remaining balance of {$18000.00}. Since I didi n't have credit enough, the payment didint go through. I called Citibank and the person told me that she was going to solve it and have the FEE returned to the account in a few days. For my surprise, after 5 days, Citibank tried to have the remaining balance paid AGAIN ( without my authorization ) and when I called them AGAIN, the answer was totally different than the previous one : they told me that when it happens, the system tries to have the balance paid 4 consecutive times and there was nothing that could be done by the entity to avoid that. I spend more than 40 minutes with a supervisor on the phone and the summary of the conversation was that I did n't need to worry about that because as soon as the XXXX tentatives were finished, they would return the XXXX FEES ( {$34.00} each ) + send me a letter communicating that it was a mistake from Citibank and that my credit score would n't be affected. They also " offered '' me as a gift because of the inconvenience XXXX miles for my mileage account. After all these calls with them, nothing has been solved ( I did n't get the FEE returned, I did n't get the miles and I did n't get the letter that was promised ). A few days ago I got a letter from Citibank saying that I have an unpaid balance, so exactly the opposite that was discussed. I contacted my account manager called XXXX XXXX and asked for help, but she told me to solve the problem directly with the credit card team and call them again. i also send them a message using the online customer service last Sunday ( XX/XX/XXXX ) registering the complain and have n't get a response that they were supposed to do within 1 business day ( reference number is : XXXX ). So, I tried everything possible and all channels to get it solved. Now, I want to submit a formal claim against them. They are damaging my credit score and also this situation made one of the checks that I used to pay a person to be returned because of lack of funds, so I 'm not having only problems with them, but with other people as well. Their lack of care about their guests is incredible. The managers never answer emails because they do not want to commit to anything written.
I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.
Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.
They called repeated times after I disputed and asked for itemized statement of my XXXX account I had to block the number they then began to change number they called from in attempt to pass my block and I never got my itemized statement.
citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.
Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.
To whom it may concern : I did not receive proper notice of the placement of this debt with a debt collector. As proper time frame to dispute this debt was not provided. I have not received a validation notice and the amount was reported to the credit bureau without following proper practice. I am requesting this item be placed for dispute immediately and that it be removed from my credit report ( per subparagraph ( b ) ) until a proper notice can be sent and investigation into the validity of this debt can be conducted. I also fully intend to file a formal complaint with the CFPB, the XXXX and the Attorney General and report this collection agency for unlawful business practices. I spoke with two collectors in your office as well who were rude and unwilling to listen to my issue. They even hung up the phone on me after refusing to allow me to speak with a Manager, I was transferred to a voicemail box. Therefore this agency is in violation of the FDCPA and my rights as a consumer as I have the right to receive notice first. 

The young lady I spoke with also was not being entirely truthful - this debt was reported by XXXX XXXX, not by XXXX. She was not truthful in stating that the client does not allow deletions, as this debt was NOT reported by the client, and was in fact reported by the collection agency. Those actions can also violate the FDCPA as they can be interpreted as False and Misleading Representations. She refused to listen to me and mentioned she would continue to ruin my credit if I did not pay and hung up the phone. There are call recording to support my claims.
I leased a copier from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$210.00} a month for 24 months. Upon receipt of the lease agreement it was incomplete and an illegible facsimile copy. Many of the details of the lease agreement were omitted such as the total cost of the lease at the end of the 24 months, the original purchase price of the copier and the copier 's serial number. However the lease agreement did indicate my end of lease option would be to purchase the copier for Fair Market Value ( FMV ) which would be provided by XXXX XXXX XXXX XXXX XXXX. At the end of the 24 month lease term which was XX/XX/XXXX I was not provided the Fair Market Value of the equipment nor was I placed on notice that the lease agreement would renew automatically every 60 days from XX/XX/XXXX. However, I did continue to receive invoices every month for an additional 48 months or 4 years for {$210.00}. This means the lease renewed 24 times in 4 years and not one time was I ever notified of the renewal or given the Fair Market Value on any of the invoices that I continue to receive. I have paid an additional {$10000.00} ( {$210.00} x 48 months ). Today I contacted XXXX of XXXX XXXX XXXX XXXX XXXX to inquire why have I continued to receive invoices for 6 years and this equipment still has not yet been paid in full. She explained that after the 24 month lease expired I could have purchased the equipment for {$1100.00} Fair Market Value. I was shocked that I was not advised of the Fair Market Value in any invoice or monthly statement that I had received. I then requested a FMV offer, invoice or statement via email from XXXX XXXX XXXX XXXX XXXX/XXXX to buy the equipment. I received an email stating the FMV or purchase price of the equipment would be {$54.00}. I feel this company has taken advantage of me and charged me an additional {$9200.00} ( {$10000.00} - {$1100.00} + {$54.00} ) over and beyond what the Fair Market Value would have been on XX/XX/XXXX. It is obvious to me that this company preyed on me with their incomplete and illegible lease agreement and would not have EVER provided me the Fair Market Value in their monthly billing statements.
Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.
I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from
I got a bill that is not mine from ACI for XXXX. I don't have a XXXX credit card so I should not have to pay {$980.00} under reference # XXXX
Debt collector disclosed that they were trying to collect a debt to my long time ex-husband and told him they were trying to collect a debt even though they have my information.
When I deposit my cashiers checks, Bank of America puts at least a 10 day hold on the checks. This happens every month. I 've call, but it has n't helped. 

On XX/XX/XXXX, I deposited 3 cashier checks. Two for {$1000.00} and one for {$300.00}.

They held two of them for 3 days, -- ( but when I looked at my statement, they make it look like those two checks were released on the same day - of XX/XX/XXXX, but that is not the case. They actually did not release them until the XX/XX/XXXX ) -- then added them to my account in the amount of $ XXXX While keeping a hold on one of the {$1000.00}. check. According to my current bank statement, that hold will be lifted on the XX/XX/XXXX. 
That is a 10 day hold. 
In the passed, they have held it for longer than that.
On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.
TO : TRANSUNION I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 

I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months So please read this and absorb in its entirety ... Then respond accurately.
the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts
I filed for bankruptcy in XX/XX/XXXX and had a 1st and a 2nd on the home. After filing bankruptcy I continued to make payments on the 1st and discontinued making payments on the 2nd. I know would like to sell the home and myself and the escrow company are not able to get information to clear the 2nd mortgage. 
-The original mortgage was taken out in XX/XX/XXXX with XXXX  and that is what shows on the title per the attached title check. 
-XXXX still shows XXXX  -I filed a previous complaint ( XXXX ) and CFPB received responses from XXXX XXXX and Office of the Consumer Ombudsma saying they do not hold the note -The mortgage was filed in XX/XX/XXXX and we listed XXXX as the lender with account ( XXXX   sold to XXXX ) XXXX  number XXXX in bankruptcy. It appears assets from XXXX went to XXXX XXXX. Myself and the escrow officer have reached out to XXXX XXXX  on multiple occasions with no response. 

I have been very diligent to resolve this and am getting nowhere.