WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I received a notice of withdrawal of the dedicated single point of contact ( SPOC ) from Bank of America of XXXX XXXX, XXXX. Since no written determination has been provided to me on appeal, I am considered pending in the modification process and the modification process is incomplete to date. Therefore, as a matter of law, a dedicated single point of contact is required to be assigned during the entire loss mitigation process. It is not acceptable to remove the SPOC ten ( 10 ) days prior to the Trustee 's Sale at auction, especially when that sale is improper. It should also be noted that this latest assigned SPOC, XXXX XXXX, had only been assigned for one week ( 7 days ) from the date of the notice of withdrawal of the dedicated SPOC. And this after my repeated requests to have XXXX XXXX removed as the SPOC without any acknowledgement that my request was considered. All I was told by Bank of America representatives was that it is not required I be allowed to pick and choose the SPOC. Just to be clear, I never requested to choose the SPOC. I did request any assigned SPOC be competent and knowledgeable of loss mitigation processes, as XXXX XXXX was not and it appears she was the SPOC responsible for forwarding the account to foreclosure, and improperly so. 
Upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
I have been considering this for some time now and I feel, on more than XXXX occasion and in light of recent events with Wells Fargo, that several transactions have been held so that there can be a NSF fee charged to my account. 
There were several from XXXX XXXX XXXX/XXXX/2016, XXXX actually charged a {$35.00} fee on a {$1.00} transaction. I keep very specific records of my transactions and if any, there should have been only XXXX NSF fee. Everything matched up on XXXX/XXXX/16 with my accounts and the bank transactions, but then suddenly on XXXX/XXXX/16 I was negative XXXX and then I was charged XXXX NSF fee 's. This is ridiculous and absolutely unacceptable! 
I have spoken to a customer service representative and I understand that no one would openly admit that their company is taking advantage of people, but it sure feels that way. I also understand that transactions come through in different times, but some things are just not adding up here. The banking industry has gotten out of hand.
I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.
Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.
I have called and faxed my request 4 times to have my personal information corrected and addresses and name variations corrected. This agency keeps telling me that I have to fax all kinds of personal info including a few of my bills which I am not comfortable doing. I have provided my drivers license and social that should suffice.
American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.
I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.
NationStar, the mortgage company that services my mortgage regularly solicits me to refinance my mortgage even though I refinanced about a year and a half ago, and am satisfied with my rate and payment term. I also regularly receive solicitations from them through the mail. I despise the use of phone solicitations and feel it is an invasion of my privacy. It is also a disservice to me as a customer to continue to ask me about refinancing when I have a strong deal already. All refinancing options have thousands of dollars in cost to the borrower financed or otherwise. It is not my best interests you are after and it makes me feel sad for your phone reps reading a terribly awkward script. Congrats on emerging from the mortgage crisis as a major mortgage servicing company. If I had my choice, my mortgage would stay with the company I originated it with and then I could deal with local people I know and who actually care about my financial well-being.
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I 've disputed an inaccurate bankruptcy with Transunion for several months now. Transunion consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Transunion has GEORGIA FEDERAL COURT - XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Transunion did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Transunion did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Transunion also did not add a dispute statement to the account within 30 days. Transunion received my previous dispute via USPS Certified Mail on XXXX XXXX, 2016. I pulled my credit report on XXXX XXXX, 2016 and there was no dispute statement listed with this bankruptcy.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX
Dear Consumer Financial Protection Bureau : I am making a COMPLAINT and want to express my uttermost displeasure with the way Goodyear Credit Plan/Citibank has been harassing me about a credit bill that we paid in full!!! The credit card was issued for the purchase of XXXX tires at XXXX on XXXX XXXX, XXXX. 
Goodyear/Citibank representatives continue to call my cell phone at least 3 times daily. Below are the phone numbers they have used : XXXX XXXX ( XXXX XXXX KY XXXX XXXX ( Texas ) XXXX Sometimes I answer and sometimes I do not. Every time it 's always the same story. They want to help resolve what they contend is an " outstanding debt '' but what we contend is a " debt paid in full! ". Furthermore, the Goodyear Credit Plan/Citibank representatives talk to me in a very demeaning, demoralizing, and repugnant manner. I tell them that their company is trying to force me to pay on an account that I have already paid the final balance based on the promotional agreement! The promotional agreement allowed me to pay off the financial obligation in 6 months. 
In XXXX XXXX, I purchased XXXX tires from XXXX XXXX that cost {$1000.00}. Goodyear Credit Plan/Citibank approved me credit arrangements to be able to pay off this debt in 6 months. I was told that as long as I paid the debt off in 6 months, I would not be subject to any financial late fees and interest charges. This has not been the case because now Goodyear Credit Plan/Citibank continue to harass me into making payments for those same fees and interests that I am not obligated to pay. 
I made six payments of {$170.00} on the dates in XX/XX/XXXX ( See XXXX XXXX XXXX Statement ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The six payments totaled {$1000.00}. The costs of the tires was only {$1000.00} ; therefore, I have paid off the obligation in six months which was reflective of the aforementioned agreement. Now, Goodyear Credit Plan/Citibank wants me to pay the additional fees and interest charges of more than {$290.00} ( probably more now ), which I am not obligated to pay based on the prescribed agreement. 
I refuse to pay these outrageous and unjust charges because I do n't believe I should. 
This account is XXXX. 
I am attaching other pertinent documents.
Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.
In recently reviewing my credit report, Ive discovered XXXX discrepancies still being reported on my credit report. I have contacted XXXX XXXX and verified that the payment history on my credit report is inaccurate. I have contacted Experian and sent proof of payment history twice and this information still has not been corrected. There are no late payments for the following dates as I advised Experian and sent proof of on time payments. I have also requested the name of the person Experian spoke with at XXXX, copies of any documentation from XXXX stating payments were made late. As of today I still have not received this information. 
XXXX XXXX No Late Payment for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX XXXX  and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. The original creditor has already deleted this account from my credit profile. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX. 

The account is for the amount of {$320.00}
Nair and Levin h as sent me a notice for court with an amount of  XXXX  which is a different amount from the original amount and the company has not sent a notice to dispute. This company repeatedly breaks the law and does n't follow the fdcp. Please thoroughly investigate this company for fraud and disregard for the law.
TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.
I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.
I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.