WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I wrote both the XXXX Credit Bureau and Bank of America stating that I have never had a credit Card Card from Bank of America, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : XXXX says they checked with Bank of America and their records are correct. 
My ReplyXX/XX/XXXX letter to both requesting copies of related charges. 
BOA reply XX/XX/XXXX : or records indicate we are reporting correctly my response to bothXX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX XXXX sent exact same information that sent XX/XX/XXXX my responseXX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from XXXX XX/XX/XXXX BOA form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time BOA wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. XXXX same as before we have contacted BOA and their records are correct. BOA form letter says they checked their records and are reporting correctly.

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Bank of America ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Bank of America explaining with documents and emails that sustained my claim. Bank of America credited {$9500.00} and I closed the account. Nevertheless, Bank of America refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Bank of America to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX.
Bank of America has refused to cooperate with me to get a loan modification that will be permanent. After my work accident two years ago, I have been put on XXXX by my doctor and XXXX. It has been difficult for me to make payments and I have fallen behind due to my work accident. Now I am facing foreclosure and Bank of America has not done anything to help me with my financial hardship.
cra violation nationstar reporting inaccurate information on credit report no knowledge of account sent po report case # XXXX
During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.
A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.
Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.
We voluntarily gave back a car we were financing back in   XXXX  . Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and  zero  balance.  (  letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since   XX/XX/XXXX   we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. Fo r 2 1/2  years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2  years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a zero balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .
On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
I would like to dispute Compass Bank and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a Compass XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local Compass Branch and asked how to proceed. The teller told me to deposit the check to my Compass Checking account and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account. 

A few days later I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a Compass Branch. 

I respect Compass decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately.
Barclay is reporting that I was 60 days late in XXXX XXXX, brought my account current in XXXX XXXX, then in XXXX XXXX allowed my account to go 150 days delinquent and then brought it current again in XXXX XXXX and they charged off my account in XXXX XXXX. This is inaccurate reporting. My account went delinquent in XXXX XXXX and was never brought current again. This account has been on my credit report for 2 months past the 7 year mark and I want it to be removed per the FCRA 7 year reporting law.
I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries. 
each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.
I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.
I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?
On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). 
On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.
XXXX credit card is showing on my credit report and ABR Recovery Services, LLC is trying to collect on a debt on XXXX behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or XXXX is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.
I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!
My husband died and I payed the principal of the mortgage off in XXXX to NationStarBank. In XXXX I received a call XXXXNationsStar Mortgage company stating I owed a payment and that the amount of {$710.00} plus a payment was past due for XXXX. I went on line and paid off the {$710.00} and made the payment of XXXX also. I then got a call the next day that there was a past due balance of {$45.00} XXXX that I did n't pay. I never missed a payment on my loan and I was told that it was an amount paid for my husband and my bankruptcy. The court claims no monies other than what we paid were made and the bankruptcy was dismissed before this loan modification. I called back the mortgage company and was told that it was paid to the attorney. The attorney said it was not and the Trustee also did n't receive the money. I contacted the mortgage company again and was told that the last payment was in XXXX. I gave them the receipt of the XXXX XXXX payment and was told that it was applied but I still owe them XXXX XXXX dollars. I then went to my bank to get financing for this and was turned down due to the bankruptcy. I was told that bills included in the bankruptcy were still showing due. I then contacted XXXX XXXX they agreed to lend me the money to pay this " balloon payment ''. The pay off showed a balance of {$160.00} principal plus the XXXX XXXX. I contacted Nations Star Bank the mortgage company as to where did the {$160.00} come from if I paid off the {$710.00} total principal. They did n't show that payment in XXXX. A manager said it was put into miscalanious funds and not applied to my account. I asked for them to show me where the {$45000.00} was paid to us or our creditors. They said it was a past due balance on our mortgage. I know this is not true because my husbands XXXX XXXX retirement benefits paid the mortgage every month before the bankruptcy and the trustee did n't miss any payments nor did I since it had been refinanced. They could not show me or tell me who received the money. Today I received another letter from the mortgage company which said you are past due on your payment. I am so frustrated. I have already paid for an apraisal on my house to receive a new mortgage to pay this off. I do n't believe I owe this money and think Nation Star bank has added someone elses loan to mine. I am a widow and I do not make enough money to pay NationStars high payment. That is why I am trying to get a loan. Nation Star keeps changing the payoff amounts. I do n't know what else to do.
Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.
I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and XXXX indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.
I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!