WillisBack/dataset-financial-user-claim huggingface dataset:
With moderate yet problematic cc debt ( {$13000.00} ; XXXX accounts ), I applied online to Bank of America for a balance transfer of XXXX of my existing accounts. When they gave approval with a {$5000.00} credit limit, I decided not to activate my card, intending to follow-up after more research and deliberation. Instead, B of A activated the card without consultation and applied the balance transfer to my XXXX account ( {$9000.00} ) instead of using the limit on my XXXX account ( {$4000.00} ), meaning suddenly, I had XXXX credit card payments instead of XXXX. 

I had no idea this had occurred until Friday, XX/XX/2017, when I received a phone call from B of A. Upon speaking with them, I grew incredulous about two things : 1. I did not activate my account and even responded that the credit limit was not sufficient to open the account ; and, 2. rather than transfer a single account within their imposed {$5000.00} credit limit ( a one to one transfer from XXXX to B of A ), they split my XXXX account, meaning I had to continue paying on my old account and now ... on the bank of America account which I never activated because financially, I am only capable of paying down XXXX credit card balances. 

Now, I am getting up to 5 calls a day at home and work from B of A and it does n't matter who I speak with, there is no amiable resolution. I told one rep that for them to start dinging me with late fees and interest was absolutely unacceptable. Yet, the story remains that whoever at B of A I speak with, they just want money and are oblivious to the unfair practices of a ) opening my account ; and b ) doing so without my input. 

This truly represents bad customer service and bad business practices by bank of America. even when I have been forwarded to a service manager, I have to start from " my story '' from square one. B of A 's most repeated solution is for me to get the money back from XXXX, which is akin to " look, we know we kind of screwed you over here, but it 's not our problem ''. 

This whole matter has become stressful and I now regret that I even applied for the B of A credit card. Their whole focus is not on making customers happy or even addressing customer concerns, it is to ensure that their collection agents have something to do. 

I am extremely disappointed in this process, even more so in Bank of America.
Called the Company to address the issue about the acct. being negative not due to my doing. And outsider retrieved my information and deposited a counterfeit check which I thought was right.
XXXX XXXX XXXX  is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, XXXX, Equifax, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
I would like to re-open my claim # XXXX that you closed without resolution, since BYL Collections ' response was both late and insufficient. I requested itemized bills from the creditors showing the services provided and name and address of the specific providers, and received a shady printout with no company name whatsoever and none of the information I had requested. I received this well after 30 days from my request. Please advise if this can be re-opened at your earliest convenience. I 'd like a written response via e-mail to XXXXXXXXXXXX by XXXX XXXX, 2018. I do hope you 're able to finally resolve this, but if not my next step will be legal action. Thank you for your time. 

Sincerely, XXXX XXXX ( nee XXXX )
On XXXX XXXX 2016, Nationstar Mortgage called my husbands work, which is a public phone line that anyone can answer. It was an automated system, therefore when whomever answered the recording just went on to give out our personal information, such as name and the mortgage company calling and the reason for the call. My husband called me and asked if we had made our payment, I said yes, I sent it in the mail the previous week. I called Nationstar to see why they had not contacted my personal cell phone instead of calling my husbands job. They apologized and said it would not happen again. Thirty minutes later my husband called and said they had called again. I called the mortgage company again and they seemed unconcerned and the supervisor had a smart attitude about the situation. This was very embarrassing and harassing especially when we are not and have never been past due!
I have had Aimloan as a mortgage company for quite a few years and every time funds are due including an insurance claim, an over payment of insurance, and currently an escrow amount due they take months to make payment.
Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.
I had a Toyota Corolla that was repossesed due to me losing my job and not being able to make payments back in XXXX. I filed bankruptcy in XXXX and this was included in it. It is still showing that I owe them and it is still open. How is this possible? This bill is 6 years old and it is affecting my credit due to this still being on there.
Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.
The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.
Bank of america just sold my loan to XXXX XXXX. I am having nothing but issues with XXXX. Because bank of america refused to send my partial payment and the payment of {$160.00} to notify XXXX. Now XXXX says I owe them {$2800.00} and I have my bank statements to prove that the payments I made to bank of america have cleared prior to XXXX taken over. I only owe them for 1 month payment which is XX/XX/2001. I tried to make my bank payment with XXXX not they say I am not allowed to make payments. I have been harassed by bank of america for 10 years and now XXXX is harassing me by falsely saying I owe them {$2800.00}. I am under bankruptcy protection. I am being discriminated against and harassed because I am a single female. They're both trying to make things as difficult as possible for me. They are retaliating against me because of the complaint I made against them by trying to make me late by blocking me to where I can't make my payment. They are trying to lie to my lawyer that I reported false information to the bankruptcy court about how much payments I was past due which was {$4500.00}. Which they was reporting on my mortgage statement. They can not except that I have filed for bankruptcy.
I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is:XXXX XXXX
I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.
In XX/XX/XXXX I was notified that servicing was being transferred from XXXX to FedLoan, but not to worry because everything would be transferred including auto debit. After not hearing anything further, I contacted FedLoan to make arrangements for my XX/XX/XXXX payment, and expressed multiple times that I did not want to be placed into a forbearance while able to pay under the IBR plan that I have had since XX/XX/XXXX. Auto debit was not set up yet and I was given the opportunity to make a XX/XX/XXXX payment, but it was not the full amount ( the other group was still in administrative forbearance ). I was assured that my request to remove the forbearance and set up auto debit would be processed. I also asked to be allowed to make the other XX/XX/XXXX payment, and was told my request would be submitted to Treasury. I received notice for XX/XX/XXXX that only the one group was set up for auto debit, so I manually drafted the other payment. Then I received notice that I was delinquent. I called to clarify, was told not to worry because it was for the XX/XX/XXXX payment that I was requesting permission to pay, and it would show late but nothing would happen, and in the meantime Treasury would contact me. Today I received notice that my request for a " delinquency forbearance '' was approved. At this point I feel like we are going backwards. I would like help to achieve this outcome : Both groups/all loans in Repayment under my IBR plan ; Both groups/all loans set up in Auto Debit ; Process request w/ Treasury to pay the XX/XX/XXXX payment ; and Do not penalize me for delinquency or late payment for XX/XX/XXXX, as I have been extremely clear - by email and by phone - that I was requesting the forbearance to be removed for the purpose of making the payment. Thank you for your assistance with getting the servicing of my loans back on track.
I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXX XXXX XXXX - XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX
I am located in XXXX XXXX County, FL, I have an auto loan with American Credit Acceptance, for a used 2008 XXXX XXXX, purchased around 3 years at {$17000.00}, 90k miles at a interest rate of 27.5 %. <P/>I was told that is abnormally high, is this legal? <P/>My car payment is {$550.00}, which is difficult and have fallen back a few times. I have tried inquiring but no luck, nor are they willing to waive the late fees.
I had disputed the debt with Americollect for {$1000.00} they are trying to collect from a hospital. I was insured by Medicaid for % 100 of all hospital services and had given my insurance information  any time I went to hospital or physician. The account was placed for collection XX/XX/2013. Americollect had not sent me notice that it was to report to credit reporting agencies. This account has to be from a billing error. I have not received an Itemized bill from hospital or americollect or who has been billed in regards to services.
Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.
We took a line of credit/mortgage with a swap portion with Citizens Bank for XXXX investment properties in XX/XX/XXXX. The amt applied to principal was to have changed every year in XX/XX/XXXX. The principal amt was never adjusted until we discovered the problem in XX/XX/XXXX. We questioned XXXX and after much harumphing and investigating, they agreed that the amount should have been credited to principal. However, they declared that we then owed them {$5300.00} addition ( tho we had paid every bill they sent ) and deducted it from our account. We protested and they returned the money while not agreeing with us that it was not owed. In XX/XX/XXXX they again failed to adjust the principal amount as they should have. We brought it to their attention again and after much " looking into it '' the situation was resolved and the proper amount was credited as was the principal amount shown on the monthly statement. Again, in XX/XX/XXXX they failed to adjust the mortgage amount to show an increase in the amount credited to principal. We again raised the problem and after some " looking into it '' it has been resolved. However, in every case, the rep to whom we are assigned has been totally surprised by the problem and has required several days to " look into it. '' And the original problem, the fact that they failed to credit the principal properly for 4 years and 4 months still has not been resolved. Citizens is a large bank and this should not happen for years running.
Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/2017 XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX
On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, Equifax, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX are still showing all of the accounts on my report and none deleted. XXXX  mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Says Case file # XXXX. Email from XXXX XXXX from XXXX XXXX XXXX XXXX. Says I owe for a loan that I did not accept. I was trying to see how much I could get, but did not accept the loan and never received the money. My bank also verified that I did not receive any money. They do have all my info. But I did not receive the money and they keep trying to get me to pay for money I did not receive and saying that I will have to go to court if I do n't pay. Says he has all the proof he needs, but as XXXX is my witness, I did not receive the money, I only applied to see what I could get. All I know it as is Cash Advance. This man says he is from the financial crime investigating department attached XXXX Government. I have never received anything in the mail regarding any information about this or from the loan that I supposedly took out in writing by mail. Only email threats to pay for something I did not receive.
I checked my credit report in XX/XX/XXXX. I saw a from AD Astra saying it was owed to a company name XXXX XXXX in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXXcertified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
I took out a synchrony bank credit card to pay for a medical service, in the amount of {$5000.00}. in XX/XX/2017. The agreement was that if it was paid off within a year you wouldn't be charged any interest. Unbeknownst to me I must have inadvertently signed up for a card security program. Since I have other credit cards I've always relied on my credit cards to be secure. Thru XXXX XXXX they charged me {$400.00}. in 7 months to keep my credit card secure!. When I realized what they had done they did refund me the $ XXXX.but I'm very concerned for all the other consumers that are unaware of this predatory practise of charging one an enourmous amount of money to keep your credit card secure. I did pay my credit card off early so had no other charges and have closed my account. I will never do business with XXXX XXXX again.
I purchased my investment house around XX/XX/XXXX for {$150000.00}. I put 15 % down back then. As of XX/XX/XXXX my loan has a remaining balance of {$120000.00} ( 79.4 percent remaining ). The loan was sold to Amerihome Mortgage. I have filed XXXX requests to drop the PMI but per Amerihome via written letters I have to wait 2 years of paying PMI from the initial loan date and then have to do an appraisal regardless of what I have paid off already, and then submit a drop request again ( which takes about 40 days ). I have paid 100 % on time ( auto draft ), the requests were submitted via e- another e-mail and wait for a 40 day response via mail ( per Amerihome ). I have a perfect payment history. Every time I try to speak to someone about the PMI they say " This department is only available by e-mail ''. I have called multiple times and requested to speak to a supervisor and I have had no traction for the last 5 months. I am below 80 % paid off and I am eligible to have my PMI dropped, your assistance would be greatly appreciated. I will attach pictures later in this process.