WillisBack/dataset-financial-user-claim huggingface dataset:
I went to my local Bank of America branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Bank of America and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Bank of America was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.
Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Originally I had asked them to remove the charge off wording on my credit report and they say they ca n't but what I do n't understand is why they submitted the same charge-off again on my credit report when I paid them off now they have it being charged off again on  XXXX   XXXX ,  XXXX  originally they charged it off on  XXXX   XXXX ,  XXXX . I do n't understand why they submitted it again preventing me not to be able to get a refinance of my mortgage.
Multiple contacts were made to Loancare regarding the discrepancy with my mortgage payment. I have been left on hold and told that a request to reanalyze my payment would be completed but nothing has been done. It has been 2 weeks when I was promised 5 days.
I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.
I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.
XXXX/XXXX/XXXX We could not use the plumbing so we called the town. They then gave us a plumber named XXXX.He went outside and came in and told us that the plumbing was no good.Why give someone a loan and the house ai n't no count? I feel like we are being put somewhere and we ai n't getting nowhere.We have to give money out and we only been in this house 6 months.How you going to heat two bathrooms with a little water heater?
Went to XXXX 's location at XXXX XXXX last XX/XX/XXXX - Was looking for XXXX but got lost - Was looking for a cheap food-processor - Effectively found one on a table with a sign " ON SALE " for {$36.00} - Asked a clerk from another department if the price was right and she said " Yes " - Then she asked me if I wanted to sign up for a membership card? I said yes! She told me that I 'd receive a letter home in few weeks - She never told me that it was a credit card from XXXX 's ... I paid the item with my debit card and few weeks later I receive a bill - Never received any physical card - Wrote XXXX 's last month telling them about the issue - Called a XXXX number but it did not work - Then last week after a XXXX number called me I called back then a gentleman was explaining to me that I can ask for a new card or have an Ecard sent to me - I told him I 'm not working right now, how in the world I 'd get involved in debts? It does not make sense - I do not need XXXX 's credit card - Then he suggested me to inquire about my rights which I did asking my bank for help - They suggested me to file a complaint and then I searched your number guys - Do not know the difference between the Account number and the Card number - Never received any card number
Applied for a AAA credit card in person at a AAA location in XXXX CT. on or about XX/XX/XXXX, XXXXCard is managed and issued by XXXX XXXX XXXX . I was told by the agent at AAA that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with XXXX  XXXX XXXX and was told that the card application had to be completed on line. I was NEVER told that by the agent at AAA as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either AAA and/or XXXX  XXXX XXXX. I want what I was promised regardless of who made the offer.
Under Public Record Information : All my credit reports are showing this information, A Chapter XXXX Bankruptcy which shows it was Dismissed which in fact it was not, further more I never filed a chapter XXXX bankruptcy and after contacting the bankruptcy court myself they told me removing this information off of my credit report is the credit companies responsibility not theirs. I have tried and failed to get the credit bureau 's to remove this false information off of my credit report so now I 'm needing a higher authority to help me get this information off of my credit report!
Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.
The problem began back around XX/XX/XXXX when I noticed charges being put on my account that I never authorized in result to maxing out the card. Month after month went by and I was assured the problem would be fixed since my card number was compromised. After receiving new cards the charges still was being forwarded over to my new cards I was still receiving the same excuses. I was assured the issues was taken care of and I wouldn't have anymore problems after around 4 months. I'm still making payments on this account and have never used the card which every month the card amount has never went down and still is maxed out.

Since XX/XX/XXXX Synchrony bank picks and chooses what amounts posts to my account. 2 payments are missing from being posted. Since XX/XX/XXXX I have received a {$38.00} late fee each month claiming non payment, when amounts would be taken out of my account.

Since XX/XX/XXXX I have sent in dispute letters which have all been ignored. I have also included in the letters to cancel the card, I also provided the bank verification of transfer of funds which as never been corrected, etc.
I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.
It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.
I purchased furniture in XXXX. They delayed a portion of my furniture which caused me to want to cancel my order. In order to keep my business, they discounted my purchase and I took the portion that was available with me. The portion that came with me did not fit so I returned it a day later and was refunded the amount. The discount never reflected on the credit card while the return did, so even when I finished paying my card off and closed it out, they still show a balance and I am getting late charges.
i have filed numerous disputes with this company and they fail to remove fraudulent reports and information on both mine and my wife credit report, furthermore they have several listings on my wife and my report that are the same and are invalid, open dates have been found to be invalid and and changed which is also illegal, 100 % of all thing s listed are inaccurate and or invalid, i have no contracts with anyone listed on my credit report, except XXXX, and as far as the law is concerned completely invalid, false documentation is filed with all reports on my credit report, i have spent thousands of dollars to have it all removed twice before, the only debt i have is my car which is almost paid in full, which is funny because they got my car listed as a chargeoff which it isnt, and ive been paying them every month on time, all other listings are invalid or illegally listed
After I have told them to stop contacting me, they continue to do so multiple times throughout the day. The call my fathers cell phone as well and were never authorized to do so.
XXXX had my current address incorrect and fraudulent activity listed ( which I am disputing ). Transunion and XXXX would not allow me to access my reports online, possibly because they have the wrong current address, despite me residing in the same place for over three years. I am concerned the Transunion and XXXX have incorrect and fraudulent activity I also need to dispute.
XXXX XXXX XXXX has on my TransUnion report account sold to XXXX XXXX XXXX XXXX as purchased by another lender which in fact XXXX XXXX XXXX bought back from XXXX XXXX XXXX XXXX XXXX also has yet to clear the matter up after admitting there error to the account. There is no XXXX XXXX XXXX XXXX as sold to as they reported to TransUnion
On XX/XX/2018 PayPal informed me that I needed to verify my taxpayer status, otherwise limitations would be put in my account. I did not know what this meant at the time. I tried to resolve the issue through the provided link but it was a dead link. On XX/XX/2018 I was informed limitations were put on my account. I called on XX/XX/2018 and emailed to ask for help but all I received was the same link and an alternative email address to send things through. I still was not told what to send. On XX/XX/2018 the 2nd time I called I was finally told what to send and I did so. However I was not told the whole thing and didnt find out the documents I provided were not adequate until I called a week later for a 3rd time on XX/XX/2018, waited 2 hrs on hold, and asked why the issue had not been resolved. I uploaded new documents verifying my taxpayer status and was assured this would be resolved within 24 hrs. Two days later, XX/XX/2018, I called for a 4th time to check again since it still was not resolved. I was assured I had submitted the right information but that their tax department was so back logged that they could not say when it would be resolved. This lack of information from PayPal has caused so much frustration and also as a result, I have had to put my XXXX business on hold as I can not accept any payments. I have been assured they will inform me when my account is ok but I have no faith that they will since they couldnt even let me know the original documents I provided were not enough. I do not want to keep calling, wasting my nights waiting on hold or for them to call me back. How else am I supposed to fix my PayPal account?!
Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. 
Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.
Original CFPB Complaint # XXXX - NOT RESOLVED. 

Please understand that this complaint is about Equifax violating the FCRA 605B - which clearly states, " if Credit Bureau is presented a valid POLICE REPORT, they must block the fraudulent information immediately within 1 to 5 days. ) They are IGNORING this and just doing a 30 days dispute. 

There are several complaints online from other consumers who get taken advantage from Equifax and their internal decisions. 

FCRA 605 B is very clear. I am asking for the CFPB to let Equifax know that you are aware of the violation and for them to just follow the law.
The payoff amount was too high. The loan of {$1000.00} was funded on XXXX XXXX and the payment was at {$290.00} for 12 installment payment with the first payment on XX/XX/2018. On XX/XX/2018, I request to skip the payment and a settelement was  agreed that I have to make a double payment on the last payment ( the 12 payment  schedule ). However, On XXXX XXXX, I called Lendgreen to make a payoff of my loan in the total amount of {$1500.00} ( Principal plus Finance fee ) and I tried to request for a lower finance fee since the loan is going to be paid early but It was not turned down and told that the final amount is final. The total amount was debited from my bank account on XX/XX/2018. 

The finance fee is more than 1/2 of the loan principal and it was only on a period of 1 month and 9 days. ( XX/XX/XXXX-XX/XX/2018 ).
Today I was speaking with a XXXX XXXX XXXX XXXX representative on chat and they asked for my SSN I declined. As I was asking for pricing and possibly cancellation of service, I received an email from my credit monitoring service. XXXX XXXX XXXX XXXXXXXX XXXX.-XXXX  made an inquiry on my credit. This was not authorized. I wasn't even asked. I confronted the representative that I was corresponding with and they said they did not run a check. But I got the notice literally seconds after I declined his inquiry. I also have the chat screenshots, email of the notification and the hard inquiry on my credit. This is beyond UNACCEPTABLE. I need assistance as XXXX XXXX XXXX has only directed me to a fraud page instead of removing the inquiry. It needs to be rectified. I take care of my credit and this will negatively affect me. 

Please help!
On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.