WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding Bank of America Lack of Access to Fraud Reporting Today, XXXX XXXX, 2016 at XXXX PDT I called to report fraudulent activity on my checking account. I sat on hold for 24 minutes with the fraud department, then was transferred to claims for another 16 minutes, in all, it took 58 minutes to report an unauthorized transaction. 
Both Fraud and Claims department are seriously understaffed while the voice on hold says my time is valuable and maybe I should call to make an appointment to go to the bank. Though, when fraud is reported at the bank, they just point you to a phone in the corner. 
I 've spent less time waiting on IRS. There is a general withdrawal of services by BOA and I feel it is a serious oversight in staffing for FRAUD when a consumer must sit on hold during workday for an hour. 
XXXX XXXX XXXX XXXX, 2016 XXXX to XXXX holding for a person in the fraud department. 
Phone : XXXX XXXX to fraud department prompts XXXX XXXX, 2016 XXXX to XXXX then holding for person in claims department. 
Transferred to XXXX XXXX ( claims )
On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.
I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX onXX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Hello, I have for the past six years taken my payroll checks that are drawn against US Bank to cash. I have always given my finger print and valid driver 's license with no problems cashing the checks. I work for a XXXX XXXX XXXX  and they Bank with US Bank. There has additionally always been a fee to cash the checks which I have not questioned paying. 

Recently I was asked to provide my social security number, phone number and asked what I do for a living. I asked why I had to provide these and was told by the bank manager that the Federal Government is now requiring this information in addition to the above listed requirements. I was also told that this information was being imputed into a data base. I was very uncomfortable giving out my social security number. And further more uncomfortable having to say it out loud with a line of people behind me. 

I have done some research by looking up the FDIC law and regulations under Part 1020-Rule for Banks. Everything I read within the Rules Section 1020-100 through 1020-500 indicates that the bank is to collect this additional information when a person is opening an account. It clearly states in section 1020.220 ( 2 ) i " An account does not include a product or service where a formal banking relationship is not established with a  person, such as check cashing, wire transfer, or sale of a check or money order. 

Additionally under section 1020.410 ( b ) 5 " Records to be made and retained by banks '' 1020.410 ( b ) 5 clearly states : The rules and regulations issued by the Internal Revenue Service under section 6109 of the Internal Revenue Code of 1954 shall determine what constitutes a taxpayer identification number and whose number shall be obtained in the case of an account maintained by one or more persons. ( Again a rule for account holders which I am not ) Furthermore 1020.410 ( c ) 3 states that a record of a persons tax payer identification ( social security number ) should be retained by the bank if " Each check, clean draft or money order drawn on the bank or issued and payable by it, EXCEPT those drawn for {$100.00} dollars or less OR those drawn on accounts which can be expected to have have drawn on them an average of at least 100 checks per month over the calendar year OR on each occasion on which such checks are issued and which are : 3 ( ii ) Payroll checks 3 ( vi ) checks drawn on government agency accounts.

My checks are exempt from being required to provide my social security number under these exceptions 1020.410 ( b ) 3 ( ii ) and 1020.410 ( b ) 3 ( vi ).

I believe that US Bank is misrepresenting and wrongfully enforcing the FDIC regulations by requiring a person to provide their social security number and career information. I was told that if I did not provide both of these in addition to my valid driver 's license and finger print they would refuse to cash my check.

Thank you for looking into this complaint. Any feedback would be  appreciated. 

The Bank manager 's name is XXXX XXXX. phone number : XXXX The Bank was the US Bank - XXXX Main Branch
I am the personal representative of my mother 's estate. After she passed, my brother decided to move into her home ( ie make it his primary residence ) and take over the mortgage payments. From my understanding of the XXXX XXXX XXXX XXXX XXXX of 1982, my brother, who meets all of the definitions of a an immediate family member, and meets the primary residence requirement, is able to take over the loan without qualifying, refinancing, or changing the name on the deed from our mother 's name to his name. 

However, I continue to get harassing phone calls from the Ocwen servicers asking for me to change the loan over to my brother. I have provided updated contact information, and my brother has been up-to-date on all mortgage payments. I would like the phone calls to me, especially during work hours to stop.
Over the past month I have talked to multiple people at the bank and they made many promises to me to get it fixed and Huntington National Back has not fixed my credit limit. I owe {$0.00} my total credit limit is {$32000.00}. Bit my avsilible credit shows $ XXXX less than XXXX.
Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.
On XXXX 2005, I signed the mortgage on a property that my wife was purchasing. I did not signed the note. The property was further awarded to my former wife at divorce. I have requested the servicing agent OCWEN to delete this account from my credit report. Ocwen has denied my claim. I have requested copy of the original NOTE, OCWEN has not provide, they has stated that they do not have it. I have exhausted my efforts to get this matter corrected, unfortunately, Ocwen does not want to correct this inaccurate reporting.
A fraudulent return was attempted at eBay.on an item that had been picked up for local delivery and then subsequently shipped, damaged, and insurance claim allegedly filed and collected. The payment received was taken back at Paypal prior to resolution of the case. I called and asked for the funds back, they explained that they had seller protection, and placed funds back in the account. Then later the funds were taken back away, denying needed use of the funds. No notice was given to me regarding the hold or denial of use of my funds. The case is still open with eBay and may not be resolved in a timely fashion. The fraudulent return is an attempt at a criminal act and Paypal is aiding in that act.
I received approval for a new Citi credit card in XXXX, and a new card was apparently sent out XXXX/XXXX/2016. I never received it. I called two weeks later, stating I had not received my new card. At that time, customer service informed me I needed to wait the full 10 business days to receive it. I waited until the last week in XXXX to call back. At that time, over 20 business days had passed. The customer service representative told me they would overnight me a new card for free. I just talked to customer service again, on XXXX/XXXX/2016, and was told a new card was never sent and the account was not noted. I was using the online chat feature XXXX times because I could n't get through on the phone. The representative was rude, unhelpful, and would not answer my questions. I had to repeat myself continuously, and some of my answers were never answered. I requested that the card be overnighted free of charge, and they told me I would be charged for it. I asked that the initial spending period be reset so I could use the card and capitalize on the initial spending bonus, but that question was just ignored. I have a payment due on the account, and I have never even gotten the card. Their customer service was apathetic, at XXXX point they were just copying and pasting responses to me in the chat. I have tried calling customer service numerous times, but am put on hold for extended periods of time and then get disconnected. I do n't even know if the new card was sent.
On XX/XX/2018, I submitted a credit application to US Bank to obtain a XXXX XXXX credit card. A credit inquiry was done and I was approved for the credit. On XX/XX/2018, I requested a credit line increase for the card and was advise by their rep. that they would consider the request and contact me soon with a decision. On XX/XX/XXXX, I reviewed my credit report and found that another credit inquiry had been executed by US Bank. This action was taken without my knowledge or consent. I would not have agreed to another hard inquiry on my credit report given that stays there for 2 years. 

On XX/XX/2018, I called the bank to complain and ask that the inquiry be removed. I was told by the rep. that the bank has the freedom to initiate a credit inquiry without a consumers consent if it so chooses. I stated that I believe this action violated my consumer rights and should not be allowed. 

To that end, I am filing this complaint in an effort to have this credit inquiry removed from all my credit reports. Your attention to this matter is appreciated.
Hello. I have been working to remove 1 alleged state tax lien from my Equifax Credit Report. I have contacted the State of Indiana and obtained certified documentation that the tax lien needs to be removed from my credit report with Equifax. XXXX and XXXX both removed these alleged tax liens. I have sent the information twice to Equifax and both times it has come back verified. 1st Compliance/Validation Check - X/X/17 returned verified X/XX/2017 2nd Compliance/Validation Check- X/XX/2017, returned verified again X/XX/2017 I have included the certified letters form the State of Indiana and I would ask that you draw you attention to the detail in letters stating I have no tax liens against me in the State Indiana and they have removed these liens against me. You will also note in the compliance/validation letters I asked for documentation with my signature which I never received. It is very discouraging that a consumer can follow all process for something that is an error and follow the steps to have it removed from their credit report only to have a computer system XXXX, which is Metro 2 complaint, fail to recognize that consumer has provided all information to validate that said liens are to be removed numerous times. Also inline with the recent settlement between the credit bureaus and 30 plus state attorneys where as certain public records and judgements are to be removed if a record do not meet 3 of 4 identifiers. You will notice that both of the alleged tax liens on my report DO NOT meet 3 of the 4 required identifiers. Again a failure of the credit bureau to follow the settlement agreed to. Also I do not have an address on my credit report with Equifax or any other bureau that ties me to XXXX County, Indiana. Again, attached documents from the State of Indiana Validate that I do not have nor have I had an alleged tax lien. Thank you for your time and appreciate your time!
Jh portfolio is reporting inaccurate information to credit bureau I 've disputed this info and they refuse to correct it or remove from credit reports
I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma.
Chase Sapphire Preferred has rental car damage benefit. My rental car sustained ~ {$880.00} bumper damage so I submitted a claim. Rental ended XXXX/XXXX/16. Claim information was submitted XXXX/XXXX/16. Early XXXX Claims Adjuster offered ~ {$630.00} to XXXX, who then called me saying I had to pay the difference. Claims Adjuster then told me that XXXX should have contacted them to negotiate. XXXX calls me the end of XXXX looking for a partial payment to prevent the account from going delinquent with reporting to credit agencys damaging my credit rating. XXXX said that they had signed a release letter from the Claims Adjuster and returned it to the Claims Adjuster but that the Adjuster lost the letter. Claims adjuster committed to mailing XXXX a new release letter for signature. XXXX XXXX I called Adjuster for status update & was told claim still pending and release letter was sent to XXXX on XXXX - 3weeks after they said they would do something. Chase has not delivered the rental car coverage benefit and I 'm concerned this cycle will continue until I 've paid the entire balance on threat of damaging my credit rating. Neither Chase Benefits nor the Claim Adjuster company will commit to any resolution date.
I CONTACTED THIS COMPANY BY PHONE AND LET THEM KNOW THIS WAS NOT MY ACCOUNT. I ALSO SENT THEM A CERTIFIED LETTER ASKING THEM TO VALIDATE THIS DEBT WITH PROOF LIKE A SIGNATURE FROM ME TO PROVE I AM INDEED RESPONSIBLE FOR THIS DEBT. THEY ONLY SENT BACK A BILL. NOTHING THAT VALIDATED WITH MY SIGNATURE OR ANYTHING TO PROVE IT WAS ME WHO OPENED THAT ACCOUNT. I ASKED THEM TO STOP REPORTING BUT THEY STILL ARE.
XX/XX/2018 a debt collector Online Information Services reported to the credit bureaus that I am in debt to them for {$84.00}. I have never received services from this company nor do I owe the debt to them.
I RECEIVED AN UNSOLICITED PROMOTION IN THE MAIL BY A CREDIT CARD COMPANY OFFERING TO CREDIT MY ACCOUNT {$150.00} IF I SPEND {$500.00} WITHIN 3 MONTHS OF OPENING THE ACCT. I FULFILLED MY OBLIGATION WITHIN 3 WEEKS. BUT NOW THE COMPANY IS TELLING ME I HAVE TO WAIT UP TO 6 WEEKS BEFORE I GET PAID. THEIR OFFER MADE NO MENTION OF THIS.
After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to XXXX
I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX
On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against XXXX and Experian for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. Experian failed to respond at all and I still have not received any paperwork from them at all.
Wells Fargo  did not provide adequate verification for this debt question. No documents were provided showing my signature or contract
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Equifax mishandled critical personal information, putting me and millions of other people at risk. I have been indicated as being potentially affected according to the equifaxsecurity2017.com website that lists affected users. They failed to notify users fast enough to take action to protect themselves ( what little can be done now that so much critical information is now exposed ).
inaccurate information being reported via XXXX XXXX, no knowledge of accounts XXXX XXXX XXXX XXXX provided XXXX XXXX PO REPORT and FTC report.
I have tried to contact the company XXXX to find out who what where and when this account was opened but have gotten little to no help with this it seems like you can put info in online to get the credit card. It is reported three different times twice XX/XX/XXXX and XX/XX/XXXX. I want this to stop affecting me very time I go to buy anything.