WillisBack/dataset-financial-user-claim huggingface dataset:
Went to Bank of America at the XXXX, CA Branch on XXXX on XX/XX/2016 to open a savings account. Manager XXXX tried to get me to open a credit card with a no balance transfer. XXXX walked out of the room and when he came back he indicated I could not borrow enough to pay off my XXXX account so I declined borrowing and had 60 days to think about it which I told him I would think about it. I did not give XXXX authorization to open up a credit account. Days later I was sent a new credit card. I contacted BoA fraud dept. and spoke with XXXX in XXXX Calif. office. and indicated someone opened a CC in my name. XXXX also could n't understand why an account was opened in my name without anuthorization. I asked Fraud to close account immediately and remove from my credit report. He was not able to do that. I spoke to Branch manager of BoA XXXX where I conference called with both XXXX and XXXX where they indicated along the lines if you speak about a credit or loan they automatically sign you up for a credit card. This was never mentioned to me nor did I ever authorize. Went to police dept. on XX/XX/2016 and spoke with officer XXXX ... case # XXXX. XX/XX/2016 Det. XXXX now on the case. During this time I received Numerous calls and emails from XXXX to myself where she sent them from her work and non-work email accounts as I had already told her I was going to the police regarding this. XXXX explained to Det. XXXX that since I already had a checking account with BoA that no authorization signature was required. Then XXXX indicated to Det. XXXX that the issuance of a credit card and account without verbal permission from the account applicant was a policy and procedure violation and XXXX had counseled XXXX regarding this. BoA told the detective that this was explained to me when in fact it was not to my knowledge. Since Det. XXXX felt there was no criminal activity and according to the penal code these items were not met. I was advised by Det. XXXX to contact the FTC and file a complaint. DEt. XXXX also indicated that BoA would delete this Credit Card completely of my Credit Reports from the Credit Bureaus. The investigation was closed and reclassified as an incident. If this happened to me as a consumer, I doubt I 'm the first person. The stress and inconvience of having to make numerous phone calls to close accounts, contact the credit bureaus and having to pay money to put a freeze on my credit when I should n't of had to go thru this in the beginning had they not wanted to meet their quota of new credit card accounts which I 'm sure is why they did this in the first place. Please also note the man ( XXXX XXXX ) who opened this account is the Relationship Manager. I have a hard time believing him or the Branch Manager XXXX that they did n't know the Banking rules on illegally opening a CC account with the customers knowledge.
On Thursday XXXX XXXX, XXXX and Friday XXXX XXXX, XXXX, I repeatedly attempted to put a credit freeze on my TransUnion account. I tried online, via the automated phone system, and connecting to a representative. The online process and automated phone process would not allow me to proceed to the final step to get a credit freeze. Via the automated phone process, I was re-directed to a phone representative. Each time I was transferred to the phone representative, I only received a busy signal. How do I activate a credit freeze if I can not contact a company representative, or process the activation online, or process the activation via the automated phone system?
The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.
I have submitted this letter to all the credit agencies, XXXX, XXXX  and Experian and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.
I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.
Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.
The employees at Experian is selling and exchanging information with XXXX XXXX and reporting adverse information in my credit file.They have refused to verify the adverse information they are reporting.No one has physically verified the actual signed contract account documentation that they are suppose to have on file already, before reporting the adverse information violating my rights under the Fair Credit Reporting Act.They refused to honor my Identity Theft Affidavit omb # XXXX, Blocking Request, and Identity Theft Reprt on file with the US Postal Inspection Service.They continually send me form letters threatening not to investigate ignoring my Identity Theft Report and Blocking Request .They also refuse to do a proper investigation.This account is inaccurate because it has not been verified.They are violating my civil rights and breaching their Legal and Lawful Fiduciary Duty by not doing proper investigation before reporting this adverse account.Federal Trade Commission Identity Theft Affidavit does not have an omb # issued by the director in accordance with the act.
Since XX/XX/XXXX, we have been working to pay off several ( 15 ) direct loans serviced through Navient XXXX. Each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) we have called them to discuss how we would like our loan payments to be allocated across the loans. We have faxed ( XX/XX/XXXX ) and discussed over the phone exactly how we would like our payments to be allocated ( see attached letter ). We have also requested an itemized receipt of each month 's payment, which we have still not received. Navient has yet to comply with any of our requests and continues to misallocate our payments across the loans to benefit their company. Instead of deducting excess payment to the principal of the loans with the highest interest rates, as we have written and verbally requested, they continue to misuse our payments toward the principal of the loans with the lowest interest rate. Additionally, despite the fact that our required payment every month is less than the total interest that accrues each month, they are allocating the bill in such a way that we would be paying on the principal of the lowest interest rate loans instead of distributing the bill across the interest on all the loans or, in the case that some principal must be paid off each payment cycle, to the loans with the highest interest rate. In XXXX, XXXX, and now XXXX each different person we spoke with on the phone submitted a work order to " fix '' the issue ( s ) of that month. We have yet to receive any confirmation that the XXXX and XXXX work orders were completed, and since we are still seeing errors in how we want our payments allocated, the work orders appear to not be enough to solve things. The XXXX work order was submitted today, so we will have to see if this one resolves any of our issues with payment allocation.
XX/XX/XXXX I submitted a dispute via certified mail challenging a bankruptcy on my Transunion report, I was sent results on or aboutXX/XX/XXXX stating the information was verified. On XX/XX/XXXX @ XXXX Transunion signed for a second dispute letter that I sent requesting them to verify how they retrieved that information verifying the bankruptcy. I requested them send me validation of who they spoke with at XXXX Bankruptcy court, time, date of how they verified this information. To date I have not received any findings from this dispute and they had 15 days to respond to my letter. Since they did not meet the time requirements they need to delete this information from my credit report.
I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. 

Experian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.
I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.
I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
My loans were recently transferred from my original loan service company to a new company called XXXX XXXX. I wanted to pay off my loans completely because they have horrible customer service and they instituted fee 's for making extra payments even from my bank account. I tried to pay off my entire balance, but they refused to allow it and stated they have a $ XXXX/day limit. I asked the service representative to provide me a way to pay off the entire balance without having to wait additional days and pay fees for each extra payment. They told me there was no choice but to make multiple payments over multiple days and incur the additional fees and additional interest that would result. This seems highly inappropriate and outside the norm compared to my experience with other student loan service companies.
Discover Bank was notified my account was " hacked '' or " hijacked '' after it was paid in full. I sent them a " fraud affidavit '' showing that my email was hacked and my discover card which I thought I had paid off was also hacked and used by unknown criminals to ring up charges. I informed them of these facts, yet they have filed a bogus lawsuit against me in XXXX XXXX County, Texas for a debt I did not incur. They refuse to release the case and go after the proper parties. My wife, who herself had a discover account, even made a payment on this hijacked account believing it to be hers, but it turns out it was my account and it was from charges incurred from identity theft. Discover Bank has not acted in good faith, they are abusive, corrupt and have hired an unethical outside law firm that files dozens and dozens of boilerplate lawsuits hoping to collect default judgments. I have answered the case and provided the court evidence through my answer of the fraud, yet they continue abusive collection tactics for an account in which I did not incur any debt. Discover card has sued the wrong person, myself who also happens to be a XXXX XXXX  veteran and victim of identity theft. Discover Bank is corrupt and should be investigated for their illegal actions.
Purchased an item on ebay and paid with paypal for {$690.00}, ended up canceling with seller, Paypal stated a refund was issued XXXX, however no funds were ever received due to a " guest account '' being used. I used my mastercard debit card, which paypal didn't recognize as a Mastercard they referred to it as a star card that doesn't allow refunds. SEVERAL phone calls were made to Paypal with NO RESOLUTION, paypal made excuse after excuse that they claim i was refunded! I spent hours on hold and i am a truck driver and can not afford to be on hold for those long periods of time. I had to open a dispute with my credit union to get back our money since paypal didn't refund. We receive an email from paypal XX/XX/XXXX stating they apologize for the delayed refund as the refund experienced a " technical difficulty '' and yet I STILL DO NOT HAVE THE FUNDS from XXXX. Luckily the credit union issued a provisional credit. Another phone call revealed funds were in a " guest account '' and when I questioned how can we access the guest account, the reply from the executive of escalations responded with a generic answer of due to the chargeback, we have to wait for the cardholders decision and to call him back, i was never able to reach him and left several messages. XXXX XX/XX/XXXX, 3 months later paypal realized the issue and finally refunded our paypal account. I have all the correspondence from paypal with all the excuses and i feel they have broken reg e regulations and simply didn't assist me, the consumer.
I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,
AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.
XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.
Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.
XXXX/XXXX  and the Collection agency they use XXXX XXXX XXXX continuously ignored my forms and reports of the debt not being my debt and it was result of identity theft. They've added false debt to my credit report. XXXX claimed it would take 30 days to investifate and sent a letter in threee days saying it was my debt even after the proper forms were submitted such as my FTC report.