WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking and saving account together with a credit card application on XX/XX/2018 at the XXXX XXXX XXXX Bank of America! Later I tried to apply for a XXXX XXXX brokerage account online, which didnt work as promised! So I went to the XXXX XXXX XXXX XXXX Bank of America on XX/XX/2018! Somebody in the building self-claimed a XXXX XXXX employee worked with me! When I asked why my online application didnt work as it should, he answered the application didnt go through the system! So I asked whether he will be able to open a brokerage account for me! He answered yes! When I asked him the relationship between Bank of America and XXXX XXXX, he told me they have the same CEO and why the Americans come inside the building to do business with them without question is the trust on the company! The XXXX XXXX brokerage account got open under his assurances! The next day when I tried to use the account and felt it didnt behave like a regular brokerage account as my others! Rather its more like a virtual account! So I called up the person to close the account! The answer is more resembling a person walked into a prison by mistake - hard to get out! He gave me a number to call to close the account and they told me the account is closed today! But when I login the account a while ago, its still there! Therefore I need your help and assistance to figure out the truth behind this XXXX XXXX brokerage Virtual account! How could a person inside a Bank of America office opened a virtual XXXX XXXX brokerage account for me? And whats the real motive behind this fraud? Thank you
On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
A change was made to my mortgage without my knowledge, increasing the monthly payments. No support documentation has been provided to me explain how or why this increase occurred.
I disputed an item on my Experian credit report stating that the debt belong to my ex-husband. The account is XXXX XXXX. The account was closed in XXXX. The dispute results stated that it would remain on my credit. The date for removal from the credit report is now changed to XXXX. That is incorrect. According to the Fair Credit Reporting Laws, an item can only remain for 7 years.
In XX/XX/2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX  advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and Equifax that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
I received a credit monitoring alert about a hard credit check on XX/XX/2018. I immediately called to inquire. They told me how to get it removed, and insured me that they would not allow so.e one to open a cred card or credit line with my social. I completed the arduous process they required me to dispute a credit check. I also made 3 addition al calls to make sure an account would not be open. They denied my inquiry to remove the inquiry from my credit report. I called again and was once assured there were no accounts under my social and that they would not allow that to happen. I found out in XXXX that there was in fact an account and PayPal started harassing me to collect it. I contacted them, to explain what previously happened and Express my concern and bewilderment. They immediately started trying to collect money from me and did not help. I went to the price department and filed a police report. I sent that I formation ti PayPal and called several times a week for a month or 2. They told me to stop calling because they could not share any information from me. They would not.tell me where the money went or what it was spent on. Despite that, they keep insisting that I owe them money. I have countless emails, letters, police report, etc ... I want this hard credit inquiry off or my credit report, I want PayPal to stop harassing a victim of identity theft, and I want them to fix my credit! How is it possible that they would allow someone to do this when ai contacted them the day I received a credit inquiry alert?! This is gross neglilgence and harrassment.
Ally Auto repeatedly calls me throughout the day. It has not became XXXX a day they are contacting me. I have already told them XXXX the constant phone calls need to stop. They continue to do it. I have threatened them with legal action but they do not listen. At this point I am writing to complain as well as looking to take the legal action further. I already contacted a lawyer about it.
Answered XXXX online ad for concert tickets. 

Transferred money through BofA using XXXX XXXX. 

It was a scam and the person never delivered the service. 

I wanted a refund from XXXX, BofA said " no ''.
I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him.
On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.
I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received another e-mail from XXXX and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. When I received another e-mail the following month I opened it, called and got into an argument with the representative, paid additional monies ( service charges ) and asked that the account be closed. 
Recently a banker told me that XXXX jumped me straight to 90 days and that I should dispute this. I have a flawless credit score except for this one charge.
I have been doing business with Navy Federal for multiple years. I fell behind two of my accounts and had to request a payment arrangement for 1 account. I made the arrangements prior to the account going 30 days past due. The personal finance department had me file a claim to show my financial status. I went through all the proper channels to prevent a late mark on my credit file. The representative on the phone assured me that it would not be reported late. I was told even if it was to call, and they would remove it. 

Since it has been reported and Ive been going back and forth with them for 8 months trying to fix this. Ive done everything that was asked of me. They told me to write statements, dispute with credit companies and that it would be removed. 8 months of phone calls l, 8 months of broken promises. Ive dealt with many customer service agent who asked me to do something to get this 1 mark removed and nothing has changed. Ive had 3 accounts with them and no other late marks. 

They are showing their true colors with the way I am being treated over this. False promises. As a veteran I went with this bank to handle finances thinking I could rely on them for fair treatment and great service. I am very disappointed in the service I have received.
On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.
I have a sum of {$350.00} unavailbled to me because my account is " restricted '' by coinbase. This means I can not move funds into or out of coinbase. 

After repeated inquiries : 1 ) XX/XX/XXXX, that my account was restricted. With a response on XX/XX/XXXX : " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 2 ) Recieved a response on XX/XX/XXXX : " Ive just checked your account and can confirm that your request has been properly escalated. '' 3 ) Recieved no respond to my inquery on XX/XX/XXXX asking for an ETA. 

4 ) Called in today to be told it was escalated ( for the second time ) on XX/XX/XXXX. I have little faith it will change anything.
Greentree Mortgage treated us terribly. They harassed us with phone calls, rude phone calls and did'nt get back to our phone call questions. We ended up having to do a short sale because they threatened foreclosure. Then they stalled the short sale and kept asking for more money. They took out Homeowners Insurance which we already had and that left our escrow short. it was a horrible experience. We no longer have this mortgage company want it to be known.
I loaded $ XXXX into my BBVA Compass Bank Clearspend Card and the card was forgotten at the XXXX location. 
My card was lost, and my money was fraudulently used. I immediately contacted Customer Service, and I have also provided a written Statement for Unauthorized Charges. 
I was told to wait 10 business days, before I will receive Provisional Credit on my Account, which I have n't received. 
Let me also point out that, the Cardholders Agreement states that " It may take up to 45-60 days to conduct its investigation on unauthorized transactions, but if by the 10th business days of receiving written Dispute Statement, and more time is needed, a Customer receives Provisional Credit, pending the determination of the Investigation ''. 
I am just imploring this highly respected Financial Service to honor its words, as stated in the Cardholders Agreement. 
Everytime I call to inquire about the investigation, its always a problem, as the representatives are rude, and have no update to provide. It makes me wonder why these Banks do things and we all keep quiet ...
We had an equity loan with PNC which was paid off thru a fraudulent foreclosure they put us thru. We were evicted and no longer live in the house this complaint is in regards to. I received today a change of address to our new house. " It states for security reasons we are sending this letter to the old address on file. Please notify us immediately at PNC if you did not request an address change. '' I immediately at the number given on the letter. I was transferred to XXXX different departments. Not one of them could answer my question as to why an address change was generated when I never requested one. I find this deplorable and also wonder what else they are doing. This is wrong is so many ways. One of the departments showed my account inactive but still showed a balance? Copy of the address change attached.
XXXX XXXX is reporting me 30 days late for XXXX XXXX. This information is inaccurate as I have never made a late payment since acquiring the loan in XXXX XXXX. My bank records show that payments were drafted twice in XXXX XXXX. Additionally, I made an online payment on XXXX XXXX, XXXX. Two payments were drafted on my account in XXXX XXXX. I called Wells Fargo Dealer services and they are only reflecting payment drafts on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This information is inaccurate and my account should reflect current and one month ahead.
Debt collector sends me a letter asking for a debt that I do not owe and is not mine. Gives me 30 days to respond. I sent a letter telling debt collector that I do not owe but do not understand why collector keep badgering me and I feel harassed. Collectors have even called my wife! I ever owned a XXXX XXXX. I have gotten calls for years about this type of amount. I do not know why the collector or XXXX think I owe them money. I wonder how many other people are being badgered? Some action needs to be taken to stop this bad behavior. 

I did work for a company that had COMPANY credit cards and was an accountant who processed transactions FOR THE COMPANY. When I was an accountant, there were no past due amounts for any credit cards.
My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a problem.
Portfolio Recovery. 

I have asked them to stop calling me. I have received papers in the mail about the debit. They call me from several different numbers at least twice to 3x a day.
Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.
I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.
On XX/XX/2017, I saw that someone had made an unauthorized money transfer from my account in the amount of {$5000.00}, and that Citibank had charged me a {$25.00} fee for the transfer. I did not authorize or give permission for anyone to transfer money from my account. I complained to the bank by phone and in person about a week later. I filed a police report on XX/XX/2017, and on XX/XX/2017, I completed an affidavit of unauthorized wire transfer that Citibank sent to me and returned it to them. 

I also complained to XXXX  XXXX XXXX, which was the bank the money was transferred to. XXXX XXXX XXXX did an investigation and told me the name of the person the money was transferred to. I do not know the person it was transferred to and have nothing to do with him. XXXX  XXXX XXXX also told me that it found evidence of fraud. 

Citibank denied my dispute of the transfer, saying that the transfer was not fraudulent, but did not give any reasons for its decision. I appealed the decision, but my appeal was also denied.
Diversified Consultants continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them hat my son was only XXXX the man replied " there 's no way that 's possible. Ill find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.