WillisBack/dataset-financial-user-claim huggingface dataset:
I inherited a small Bank of America IRA from my mother ( {$730.00} ) when she XXXX XXXX earlier this year. I called Bank of America on XXXX/XXXX/XXXX at XXXX a.m. to inform the bank that due to extremely poor customer service in helping me settle my mother 's XXXX, that I had no intention of maintaining the inherited IRA with Bank of America. I was told by the bank of America representative that I had no choice, but to complete the bank 's paperwork before I transferred the IRA to another institution. I followed their instructions and completed a " Distribution Election '' form and mailed the form to the bank. I received a confirmation from Bank of America that the inherited IRA was set-up on XXXX/XXXX/XXXX. At that time I completed transfer paperwork to have the IRA transferred to another institution. When I received the confirmation from the new institution, I noticed that the value of my account was {$50.00} less than the {$730.00} from my XXXX/XXXX/XXXX Bank of America statement. I was told by the new institution that Bank of America charged a {$50.00} fee. I called bank of America and was told that the {$50.00} fee was an account closure fee. I explained to the representative that when I spoke with Bank of America on XXXX, that this fee was not disclosed. I checked the only paperwork I signed and there was no disclosure for an account closing fee. I asked the representative to refund my {$50.00}. He said he did not have the authority to do so. I asked to speak with his supervisor and was on hold for over 15 minutes. The supervisor never got on the phone line. Since the bank never disclosed the {$50.00} fee ( 7 % of the account value ), I feel they should refund the {$50.00}. Thank you.
Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.
XXXX XXXX XXXX, XXXX around XXXX I was contacted by a XXXX party who stated XXXX contacted them in regards to a debt I owe and disclosed all of my personal information including my mailing address without verifying who they were speaking to. I was told the call was recorded and the XXXX party spoke with a member of management and complained as well about the agent who disclosed all of my personal information to them.
I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file.
I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out!
I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.
XXXX XXXX is reporting the same debt twice on my credit file with EQUIFAX. This is in clear violation of the FCRA.
Equifax does n't allow me to see my credit report online. They 're asking questions which I did n't. So, I ca n't answer correctly.
In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.
Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.
Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX
On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.
Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.
I tried communicating with them XXXX XXXX and they keep playing games it 's my credit report I keep disputing in and they keep removing it and putting it back on there making my credit go down and down and down they are making this a joke and I keep letting them know by communicating with them that this is not my account and it 's fraudulent they keep harassing me every single day and they do n't want to listen to anything I have to say my credit report agencies have communicated with them but they do not wish to do anything please have them remove this from my credit report they keep taking it off and putting it back on two cause my credit to go down even worse they called me and told me they will keep doing and threatening me
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed. 

When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response. 

On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}. 

That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one.

So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}. 

TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor.

Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.
I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.
This {$28.00} they have me owing, was part of XXXX which I paid in full and there is no longer any debt owed to XXXX or this XXXX $ fromTrident. Its messing up my credit report And I dont know how to get it off or fix it. Please instruct me on how to eliminate this from being on my credit thank you
I originally had student loans throught Department of Education, Nelnet ... in XX/XX/XXXX of 2013 I consolidated all of my federal loans through XXXX. However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!
I tried opening an account with Chase today only to be denied citing XXXX as the reason without any other information as to what was the true cause. I have also run my XXXX report and it showed I have nothing there as well.
We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.
I have not gotten an up to date report showing information has been corrected by Equifax. Nor have I gotten a free credit score showing
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}
Bank of America returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Bank of America of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states " Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees BOA is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment.
This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!