WillisBack/dataset-financial-user-claim huggingface dataset:
In September, my wife contacted the Bank of America to cancel a business credit card she was no longer using. The representative inadvertently cancelled the wrong card, instead canceling the personal credit card we had with them for more than 30 years. Soon after discovering our personal card had been canceled -- the card was denied as we attempted to make a purchase -- we contacted Bank of America. They acknowledged that the mistake was theirs, but told us they could not simply reinstate the card. The customer service process was a nightmare and I 'll spare you the details, but eventually ( in a callback several weeks later ), they explained that because of the Fair Credit Reporting Act, restoring a closed account, even one that was closed by their mistake, required us to go through a re-application process. As an aside, the original three reps with whom I spoke -- yes three, starting with a front line rep and progressing to her supervisor, then his, a " resolution specialist '' -- insisted that " by policy '' they had to go through a re-application process and never once cited Federal Law. They made it sound like it was just an internal policy/process which, quite naturally, I assumed could be waived since the mistake was theirs. 

If they are correct in stating that the Fair Credit Reporting Act actually requires a re-application process whenever a closed account is reopened, even when the bank makes a mistake such as this, then I 'd say the Act has gone too far in regulation. My wife called to cancel the business card on a Saturday afternoon. We discovered the problem on a Sunday evening. We called on Sunday evening and again Monday morning. The account had n't even been closed for 48 hours. It was a bank mistake, but they said they could not just uncheck the box that said " account closed '' and restore our credit card. They claim Federal Law ( the FCRA noted above ) prevents them from doing so. If that 's the case, the law is far too restrictive. 

Can you please tell me : Does the Fair Credit Report Act actually prevent them from corrrecting their error and reopening my account? Yes, I could have gone through the re-application process, but I do n't think this should be necessary. They made the mistake. They should be able to fix it. 

I have already contacted the FTC ( though my Senator, XXXX XXXX ) and their legal team has asserted that nothing to their knowledge in the FCRA should keep the bank from fixing their mistake and re-opening our account. However, they said your agency is also involved with the Act, so I might wish to contact you, too. 

If you confirm, as they did, that the FCRA does not prohibit Bank of America from " simply '' reopening my account after *their* mistake, I will contact them myself. 

Thank you and kind regards, XXXX XXXX XXXX XXXX, UT
On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had  dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ). 

I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX. 

The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report. 

I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account. 

I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately. 

I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off. 

My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter. 

Thank you, XXXX XXXX XXXX XXXX.
I applied for the XXXX Chase card using a signup offer on XXXX. The signup offer stated there is a {$50.00} statement credit after the first purchase. Yet Chase is denying me the {$50.00} credit on the grounds that I did not book a hotel at the time of signup. This prerequisite is not made clear anywhere on the offer page or in the offer details. I have attached screenshots which clearly show the offer terms do not mention a hotel booking as mandatory to receive the statement credit. It is misleading to bait people in with a signup offer and then disqualify them for a reason not listed anywhere in the offer or fine print.
I just hate that BBBA COMPASS take so long to complete transactions to where it causes overdrafts. You can have the money in the account per what it says is available, twice I have had this problem. It takes forever to update your account and direct deposits. I have talked about thi s on three occasions and I removed my overdraft option. They are slow on updating the accounts and they need to update their systems.
I never received written notice for the account in dispute, when I received a copy of my credit report I called Diversified and paid the account immediately XX/XX/2018 ( settlement offer {$400.00} ). The credit is still reporting a balance on my credit after I was told the account would be settled for less with a XXXX balance.
My name is XXXX XXXX and on XX/XX/2018 I opened a XXXX XXXX savings account with American Express XXXX XXXX. Over a period of two months I deposited {$300.00} dollars into the account and set an automatic payment option into the online system to deposit {$100.00} per month. The money has been deposited each time per this automatic payment. 

I recently logged into the account to find my account was closed, despite my continued depositing of automatic payments. I have called American Express XXXX XXXX   multiple times and they simply state my account was never opened. If I log into the American Express XXXX XXXX Website, it states my account is closed. However, when I check under XXXX XXXX, it states the account was opened on XX/XX/XXXX and my external banking source ( XXXX XXXX XXXX ) was linked. My bank statement from XXXX XXXX XXXX also shows this money being transferred to XXXX XXXX XXXX. 

Since the account was closed, I have not received any of the funds I transferred into this account.
I am a XXXX XXXX XXXX homeowner whose loan was sold to Amerinational Community Services sometime during the XXXX. At the time the loan was sold, my balance was behind. I had asked XXXX to move that balance to the end of my loan. They neither responded or acted on this request. In XXXX XXXX, I wrote to Amerinational asking how they 'd calculated my balance. I also asked for a copy of the transfer info. I never received it. A few months ago, Amerinational sent me a letter asking me to pay them $ XXXX for XXXX to XXXX XXXX. My mortgage payment is {$920.00} per month. I responded by sending in my payment receipts for those months and noting the error. From there, I was deluged with random letters that expressed no purpose. At one point, I spoke to a rep who neither acknowledged or offered to straighten out this mess. He was concerned with confirming my cell number. I sent back an account of this in writing. He offered to send me a loan modification app and said it was their goal to help me keep my home. I completed it and sent it back. For close to a month, I went back and forth with a woman who kept asking for tax returns after I informed her that I did not file XXXX taxes. To offset this, I sent all salary and wage information as a required attachment to the application but she could not understand this. I received four letters in 10 business days. Not one letter had a real purpose. They did nothing about the loan modification they promised to help me obtain. It never evolved into anything .... Last week, after a month of quiet, I received a voice msg on my cell from a woman telling me they 're attempting to collect a debt. To date, all monthly mortgage payments have been applied as appropriate but it has been several months since I began asking them ( via letter ) to move any unpaid balance to the end of my loan. They 've consistently ignored this request. Back in XXXX, I informed Habitat via email that I 'd made this request. They thanked me for the info but offered no assistance in making it happen. At this point, I need to speak to what is happening to me. I am being bullied and harassed by Americnational. From their activities, it is apparant that they have the opinion that I am a " cash cow '' and by submitting threats, I will somehow respond with a sum of money. I want them to stop harassing me. This company is trying to scam me trough scare tactics when the resolve has been put before them on multiple occasions. I believe can be described as illegal. It is not unusual for a lienholder to move back payments to the end of a mortgage loan. Since they did not honor their word to provide modification they should move the payments. I pay them each month. I have no reason to believe that I am going into foreclosure unless they push me into it and then I question the legality of that. I just want to pay my mortgage to an upstanding company and live in peace.
Experian Credit Bureau is reporting incorrect information on my credit report for an old account from XXXX saying we are 120 days late as of XXXX XXXX. Last payment they say we paid was XXXX XXXX of XXXX, we never sent any payment to XXXX because this account was included in our Chapter XXXX bankruptcy in XXXX. The loan company at that time was XXXX that we made our payments too, and that we file bankruptcy against in XXXX, The loan was then strip/voided by the bankruptcy courts. This company is reporting false information, and hurting our credit reports. they have been updating with false information since XXXX when XXXX started helping us get our credit reports back in order. Since then we have had nothing but trouble from XXXX.
This is an attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX/ XXXX : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX
I have not used my credit card in a year since i received it. Come to find XXXX XXXX closed my XXXX XXXX account without notifying me i am very responsible with my credit. Now i have a closed account on my credit report as this will hurt my credit score as i am trying to buy a home. This is very unfair to me as a consumer. I have the right to use my credit wisely and use it when i want and if i do not want to at all for a year.I contacted XXXX XXXX and they responded well mam you can reapply again and add another inquiry plus a closed account real good for my credit. I would like this deleted from my credit reports i am getting no where with them. they are ruinig my credit and i did nothing but take an account out in 2016.They should not be allowed to do this. Thank you
I have tried through all website locations to get a copy of my credit report from Equifax. They have asked me to mail them more sensitive information in order to get it. Someone else could easily steal my identify if I Mail them a copy of my social security card? I placed a fraud alert on this account on XX/XX/18, I have called their customer service department on three separate occasions since then to be told they are upgrading systems and can not so anything and to call back later. This issue is still not resolved.
I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX XXXX
On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.
I had a credit card with XXXX Bank. I did not pay it off and a judgment was placed against me. I paid it off in full in XXXX. I wrote a letter to XXXX, Eqifax, and XXXX I attached the paid in full receipt. I received word from XXXX that it was removed but have never received word from the other XXXX credit bureaus. I did n't even receive word that they received my dispute. I would like this investigated. My name is XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, Texas. XXXX. My email is XXXXXXXXXXXX
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund check!
I received 2 threatening voice mails over 2 days. On day 1, the man stated that his name was XXXX XXXX and that he was assigned to my area to deliver sealed documents and that he would be coming to house tomorrow and I " better make myself available and that he will seeing me soon ''. On day 2, the message said, " ( My Name ), I 'm coming to your job right now, I will talk to your supervisor or HR, then go to your house or relatives house to find you. You will answer the door and accept the documents or it would be documented that I am refusing ''. I XXXX the phone number that was left in the messages for me to call back, XXXX, and there are COUNTLESS complaints online from numerous consumers all receiving the EXACT same threatening messages. I decided to call the number and was very upset. Number connects to a company called Creekside Recovery and Capital Management, then connected to me to a woman. I was very upset and told the woman that I received threatening calls from her company, and I could not believe the behavior exhibited by the caller. The woman rudely replied back, Ma'am, Ma'am, Ma'am, is this " My Name ''. She obviously had caller ID, and when I said, yes, she told me I was being sued, but did n't go into specific details. I told her that was ridiculous and that they were to never call me again, and told her that I already reported them to police and FTC. She then hung up on me. 

Please do what you can to stop this. I have never in my life, felt so threatened. I still have the voicemails and played them for the police, who told me to ignore the calls.
Simons Agency has been contacting me everyday - sometimes 3 times a day - for the past year from several telephone numbers beginning with the area codes of ( XXXX ) and ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Leaving several voicemail and automated messages within the past month. A letter was sent months ago to contact them regarding a medical bill from 2010 that was passed NJ Statute of Limitations of 4 years. ( Sale of goods under the UCC : 4-years, ( N.J.S.A. 12A ; 2-725 ) ).
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
On XXXX XXXX, I checked with Equifax to see if my information was possibly compromised, and seemed to have been given a response. The site, https : //www.equifaxsecurity2017.com/, asks for my last name and social security number. Multiple other customers have tried using fake information, ( https : XXXX ) with the website stating that said even those " customers '', with information such as Test as a last name and 123456 working as a social number, giving a false positive ( https : XXXX ). I believe my information has not been used correctly, instead been used to offer me a product for ID protection for free which will begin to cost after one year of usage. My information may or may not have been compromised, and Equifax is not giving a solid answer. Instead, I am being pushed a product I do not trust by said company who has been hacked.
In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.
When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.
On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.