WillisBack/dataset-financial-user-claim huggingface dataset:
We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank you.
XXXX was originally debt collectors and account was sold to XXXX XXXX. XXXX sent a letter to me XX/XX/XXXX stating that they ceased all collection on behalf of XXXX. The account was later sold to another debtor which is XXXX XXXX. I have attached credit reports from XX/XX/XXXX showing XXXX was the current collector and now in XX/XX/XXXX was sold.
I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.
On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.
Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.
The issue is that the second XXXX incurs a more restrictive if not inequitable requirement that the home be available to us and indefinitely not rented out whatsoever. The owner occupant requirement is to reside there for one year. Attached is the second home rider and the original security instrument ( paras XXXX and XXXX ) that the rider replaces. If this is a standard XXXX XXXX XXXX document, then request Wells Fargo provide a signed letter that allows us to rent out the home after one year of possession or propose a resolution to address our concerns. 

It is also our informed opinion that the second home rider should have been disclosed and explained before closing. To say we had a three day right to rescind is a poor substitute for untimely notifications of material fact and overall poor loan management and communications.
In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss. 

On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court. 

In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving. 

In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries. 

I could have hired a lawyer to represent me and negotiate the claim. 

When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.
I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. 
I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.
I was told by this company only told me XXXX.they wont told me who borrowed from or what I owe they wont provide any information and they call me ( XXXX ) and or they do is threaten me being garnish and actually physically threaten me.. They keep telling me I wont pay them but I do n't even know who they are and what I owe. they told me I borrowed this in 2010
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt
I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX   Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report.

On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
Bank of America and their cohorts will wrongfully auction off my home and property via Trustee 's Sale at public auction on XX/XX/XXXX at XXXX - and knowingly so. 
As no determination by an Appeals Specialist of the Bank of America Appeals Department has generated a written decision upon completion of an appeal review and the issueance of the Appeal Report of XX/XX/XXXX granting Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) to date and since recoding a Notice of Default ( NOD ) of XX/XX/XXXX publically beginning the foreclosure process, Bank of America has been engaging in dual tracking and stonewalling practices for years including, but not limited to, park and stall tactics designed to hold their customers indefinitely in limbo until separation from the mortgaged property occurs. 
To date, I have not been informed of any cancellation of Trustee 's Sale, NOD or the Notice of Trustee Sale ( NTS ) of XX/XX/XXXX by way of the recording of a Rescission withdrawing both the NOD and NTS. 
78 ) Vexatious Solicitation. 
79 ) Negligent Solicitation. 
80 ) Fraudulent Solicitation. 
81 ) Loss of consortium of real property. 
82 ) Loss of consortium of a private home. 
83 ) Civil Rights Violations ( right to exist freely and naturally without fear of retalliation ). 
All previously mentioned resolutions are desired and mandatory.
I disputed XXXX XXXX XXXX, XXXX account on all XXXX of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent  another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.
Ford Motor Finance established XX/XX/XXXX. In XX/XX/XXXX my account was first reported delinquent due to employment hardship. I worked on trying to catch up payments but as of XX/XX/XXXX the car was repossessed due to unemployment. The economy had been in a down slope. XX/XX/XXXX the repo was sold by Ford at an Auction and by XX/XX/XXXX Ford provided me a mailed copy of the Statement of Sale. XX/XX/XXXX Ford reported the remaining balance as a Charge off to the XXXX major Credit bureaus XXXX, XXXX and XXXX. It was brought to my attention when pulling credit for housing and employment, that a Judgement had been filed against me by Ford. Ford never notified me that a judgment would be filed against me.
open date on my credit report XX/XX/2018 Last reported : XX/XX/2018 {$300.00} reported as fraud on my credit report
I was contacted by a company called citifinancial via telephone for an outstanding credit card debt originally held by Citibank. To resolve it, I paid the debt on XX/XX/2018. I tried to contact the company for a letter indicating the debt was paid. No response. I looked at the charge and it listed XXXX XXXX XXXX   XXXX, not citifinancial. I attempted to contest the charge as fraudulent to my bank. They would not pursue as the charge was at a company more than XXXX miles from my home. I paid {$4200.00}. I then paid the same account to a second company who was legitimate and sent written verification debt was resolved. The first payment is now money lost by me. Request assistance. I have made multiple attempts to contact XXXX XXXX XXXX XXXX and they will not return my call. They misrepresented who they were and they did not hold the debt.
On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.
I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.
Experian notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
My car. Was repossessed after 5 year ayments The car. Was. In AccidentAccident while. It. Was. In. An accident. Car. Malfunction ed. Went. Into. A tree. The. Insurance co. XXXX paid. The. Finance. Company {$1500.00} Dollars. sl
Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.
BANK OF AMERICA THE Alleged Investor /Owner of the Note on my property located in XXXX XXXX XXXX XXXX Ca XXXX violated XXXX of the codes of the Fair debt Collection Practices Act XXXX XXXX XXXX sec XXXX ( b ). 
BANK OF AMERICA refusal or ignore to respond a certified letter sent on XXXX/XXXX/2015. 
BANK OF AMERICA Failed to respond my Debt Validation letter.
Another instance where I qualify for this auto loan applied at XXXX XXXX on XX/XX/XXXX and was denied by Capital Auto Finance because there are too many inquiries. Isn't inquiries a part of the car buying process? If too many inquiries due to car buying then Capital One Auto Finance should take the lead and change this policy. This is a flimsy excuse. My present auto is financed through Capital One Auto Finance with a 12 percent interest rate and a {$350.00} monthly payment since XX/XX/XXXX. Capital One Auto Finance in the business to make as much money as possible from the consumers even if they do have good credit. A direct quote from Capital One Auto Finance : There have been too many recent inquiries. Give me a break if that is the only thing they can come up with to deny the application. All these inquiries are from auto dealerships whom all encourages the buyer to fill out the application after assessing income and credit by stating that they finance all types of credit.
I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.
My wife and I applied for a home loan modification through our lender, DiTech, beginning XX/XX/2016 due in large part to a reduction in income. We submitted paystubs, bank statements, a hardship letter, and all other documents requested in a timely manner. Then, we heard nothing until just today -- denying our request for a modification and any other options. I might add that DiTech asked us to send the same information 4 times ( and for which I have the fax confirmations ), claiming that they did not receive the information required to complete our loan modification application. I feel as if they simply delayed the resolution of the application until I was too far behind in my mortgage and now they are asserting that we are in default because my property value, and income are allegedly too high. I had a change in income which is why I needed the modification in the first place -- -and still do.
Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.
I have been receiving calls regarding an alleged debt. They have contacted my father-in-law in regards to the debt as well as my mother, numerous times. XXXX third parties verified they had the correct phone number for me and advised them to call me directly. I returned their call and asked for documentation to be sent to me by certified mail. They wanted me to pay the balance by debit card immediately. I explained that I did not feel comfortable with that, until I saw documentation. To include the original alleged creditor, amount, etc. I was transferred to another dept. and they left me on hold for several minutes. I attempted to call back and no one answered. I received another call from them on Thursday XXXX and asked again for documentation. They transferred me to a man named XXXX and he said he had already sent mail. I explained that I had not received mail from them and he said " Why do you want a letter, are you going to dispute this? '' I responded possibly, but I do n't know until I can verify through documentation. He hung up on me. Today, XXXX/XXXX/16 I received a call from the same company at approximately XXXX I again asked for documentation and the girl who I spoke with transferred me to a gentlemen. He stated his name, but I could not understand what he said. He refused to spell his name, or repeat his name. He stated he did not have to tell me his name, I owed him {$800.00} and he was not sending me documentation. I asked several times for his name and he refused. He stated I would know his name when they " put me jail '' for not paying my debts. He also called me a liar and said the only documentation that I needed was my credit report, because it shows I do n't like to pay bills. He then stated " pay your bill '' and hung up. I attempted to call him back several times. and each time he would answer and say " just pay your bill '' and hang up. I called again at approximately XXXX and this time he took the call, but with out speaking. I asked to speak to his supervisor, asked for his name, asked to receive documentaion, so that if this was a matter that need to be resolved I could proceed. He refused to speak. He sat in silence for XXXX minutes and XXXX seconds.
On XX/XX/XXXX, I received a targeted advertisement in the social media platform XXXX for a personal loan to payoff credit card debt from XXXX XXXX ( SoFI ). I began the process of " checking my rates '' on XX/XX/XXXX, however due to the amount of information needed I did not complete the process that day. On XX/XX/XXXX and XX/XX/XXXX, I received additional emails from SoFI encouraging me to complete my application. On XX/XX/XXXX, I completed the application by providing my address, date of birth, place of employment, years of professional service, and annual salary. 
After requesting my rate, instead of showing the available rates ( which is what I was attempting to access ) I was notified that I had been declined for a personal loan. At no point was I advised that I was actually applying for the loan as the site left the impression I was checking the rates. 
When attempting to access the Adverse Action letter, I was directed to call as the reason was " other ''. When I called SoFI I was informed that the denial was due to my credit score was too low and my debt utilization is too high. I asked for the minimum credit score, but was advised that the required score is proprietary. I also explained that there is no adverse action letter on my account and that I expected the denial to be put in writing. The customer service agent explained that I can view in my account and seemed unconcerned when I said that it was not available online. She offered to send it to me via email, but the email I received from her only directs me back to the original link inside of the SoFI account.
A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.
I have a judgement on my trans union and XXXX account and I have stayed with my parents since XX/XX/2010.