WillisBack/dataset-financial-user-claim huggingface dataset:
Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years.
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... Equifax ... XXXX ... nor XXXX have done such. The inquiry is STILL on my credit!
I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill
I have a copy of my XXXX letter along with a check payment to the bank front and backcopy to the President dated, XX/XX/XXXX. The Bank provides a total of XXXX documentsstating how far behind I am. The bank did not even deposit my check until XX/XX/XXXX. 
The bank is falsely reporting that my T-form is ineligible that I provided several formsof the T-Form. I also provided the T-form to the President of BAC, which is very clear to read, completed on a computer for eligibility in XXXX. The bank is providing severalfalse reports of what I actually owe, and what I actually applied for. 
The Bank also claims that I did not pay my repayment plan. I have the name of the employee who was on the phone with me with customer service to reverse the payment ; the employee indicated that she was just waiting for my T-Form, the very same T-FormI faxed, and sent to the President of BAC. Customer Service could not reverse the payment, unless there was approval of the loan department. I was on a XXXX way callwith the Bank, and Customer Service. 
Finally, I have been getting numerous harassing calls from BAC, which my phonecompany can prove how many times this bank has called me in the course of six months. 
I have recently had threats, of short sales and foreclosure information upon my property, which I have lived in and paid on time since XX/XX/XXXX. I have received a total of XXXX ormore documents form the bank most of which have been asking me for the same information over and over again, threats of foreclosure, wrong balance information due, etc. I am releasing all documents, names and phone records to the CFPB shortly. 
If the bank can not reach an agreeable ( mutual ) payment plan by the end of XXXX, I am filing a lawsuit against the bank, releasing documents phone records. names. 
letters, fax confirmations and XXXX tracking information to prove my case of harassment, and the bank providing false information to CFPB. Thus, has been very misleading, anduntruthful during this process, and should be fined, or sued. Clearly, the President of BACHome Loans has no interest and is fostering his or her employees to lie, harass, and continue to ask me for the same information. The bank has also put my credit in a bad status, which has increased my auto insurance, and caused other issues with my credit.
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,
I have been cleaning up my credit report all year, and I get a notification that a collection acct been added to my credit report to my knowledge I never heard of this company, Calvary collection agency stating I owe XXXX which I asked what company this debt coming from. XXXX XXXX XXXX dropped off my credit report because I paid and they agreed to delete and turned around BBB and sold my paid to deleted acct that was removed to XXXX collection agency, I was n't notified about this action of selling debt off my debt that a previous agency agree to delete.
THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law. FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly?

How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A ) of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.
In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. 

In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. 

On XX/XX/XXXX, my loan transferred to Carrington Mortgage. 

In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. 

In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. 

They are refusing to process my request for loan modification and have now sent my loan to foreclosure. 

I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. 

It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. 

I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. 

This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.
I first submitted my police report to Equifax on or around XX/XX/2017 regarding the items that were in question on the report and they have since then deleted the items one by one at a time. The only item that is remaining on my credit report is XXXX XXXX. Both XXXX and XXXX has deleted the items on the police report. I have sent in documents numerous times to Equifax including a FTC Identity theft report and a letter showing deletion of this account with XXXX XXXX being deleted from XXXX. The item in question was not reported to XXXX. I have sent Equifax copies of these documents via fax and mail. When I would call to check they would state they did not receive all of the paperwork that I am stating or that it was blurry. And I have certified mail receipts that they received my documents but they would say that they had not. I spoke with a supervisor by the name of XXXX whom I asked why is it that when I try to send my documents via fax or mail I'm having a problem with this particular company on regarding this account with them. This guy put me on hold for well over 30 min and still would not give me an answer on what I could do to actually make sure that my documents are not going unnoticed and we get to the bottom of this. He basically just sat on the phone as if he was not even listening to me and my situation was not of any concern to him
MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked. 

I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.
My house was put on the market last year as a short sale when my ( now ) ex husband went to jail. The house was upside down and I could not pay for it alone with XXXX kids. I quickly got an offer in XXXX or XXXX XXXX. Bank of america short sale dept closed the short sale multiple times and made us start all over each time without notice due to " inadequate documentation ''. Each time we proved they had the documents already, but it was too late, we still had to start all over. This went on and on until spring of this year XXXX. They finally accepted the offer, but still could not close in a timely manner and my buyer backed out eventually which then put me on the foreclosure list. I had about two weeks to come up with money to keep from being foreclosed so I signed a deal to modify the loan and borrow the money to stop foreclosure. This gave my realtor time to find another buyer. She did. Now I have had this buyer since spring. His offer is even better than the first buyer. My initial close date quoted was XXXX XXXX and that has now been postponed. They still have not made a decision about accepting the offer or not. BOA had actually accepted the previous buyer 's offer which was less. I have moved out of the house. I am no longer able to pay for it. Bank of america is impossible to communicate with. I am getting nowhere with this and if this buyer gets impatient with them it will foreclose. I know foreclosure benefits no one. I do not understand what the ongoing delays are. I am almost at a year of nonsensical delays. We have been moved from one customer relationship mgr to another, all of which do not communicate well. If the home forecloses it just forecloses, I am not interested in retaining the property, but it seems ridiculous when I have a buyer that can complete a short sale.
INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT
I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.
I had a credit card for XXXX years and paid my balance each month. The card was with HSBC. For some unknown reason, they closed my account. I called them when my card did n't work and they stated they had no idea why but the account was closed and I 'd be informed in writing of this within XXXX days. They told me they could n't do anything. I would like to know why they are allowed to close accounts on people who pay their bill each month.
In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit
Ditech arbitrarily decided I had no homeowners ins. and added {$920.00} to my loan to acquire said ins. for me. I had homeowners ins. the whole time and sent several faxes to Ditech with proof. This added monies to my loan increased my house payment {$140.00} per month. I have called Ditech continuously with no results. I have paid the increased for 2 months now with the understanding that Ditech will report a late payment. I 'm given incorrect information continuously and assurances that they are " fixing the issue ''. To date Ditech as only called me back once, to ask me to pay my house payment.
I received a Collection notice from XXXX. I got insurance back in XXXX, however I decided not to keep the insurance. In the process of this. I got a letter stated that I need to send back a item that I was not aware of. I believe it 's a divine that goes in the vehicle. However I never received it and XXXX can also see that I never even activated this device. I emailed letting them know I do n't have the device they claim I owe them money for it. I 'm comfused. How can they make me pay for something I did n't receive. No tracking number or number. Nothing to prove hat I receive it, I 'm assuming that they are he only ones who can be right in situation. It 's not far that they torture me and also send me to collection for something I do n't have nor can they prove it. Items get lost in the mail or stolen all the time. I 'm the victim and they are threatening to send me to collection and affect my credit reporXXXX dollars. It 's not far and I need to seek justice for this. This company is manipulating and billing me into something I do t have. Is it because I decided to go with another insurance .Its not far and I feel so upset and afraid what trey are trying to do to me. I would have preferdnif we went to court and I know they would have had to prove tahat I received and and use the device. I did n't and please help me in this situation. I 'm going to call the police department also and file a harassing and frivolous in this company and also companies involved
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX  and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.
It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.
XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. 
They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. 
Both companies are based in XXXX, MO.
The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was XXXX XXXX.
In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.
identity theft also had back payment child support does not show up on my credit report that i'v paid my child support, there are names show up like XXXX XXXX + XXXX XXXX XXXX+XXXX XXXX XXXX XXXX these names show up on my credit report. on my child support it says my balance is XXXX i do not owe this amount.i have proof of my XXXX check.Thank You
I signed up for a new checking account with Citibank while they were offering a {$400.00} bonus. I met all the requirements for the promotion and I was told it could take up to 90 days after I met the requirement to receive my bonus. It has been more than 90 days since I met the requirement and I have not received the bonus. Three phone calls and one email chat with Citibank and they tell me I have met the requirements and I should have received the bonus but I will need to wait until the back office is able to review the information.