WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.
Experian did not take sufficient safeguards and that my data on their cloud was hacked, including my address, SS #, DL, etc. Experian did not send a registered letter, call me or email me as one would expect at such a major breach. Despite a XXXX tele # listed on the Experian letter, I was unable to reach a person or receive the free complimentary two year membership. Consequently, XXXX fraudulent XXXX accounts ( XXXX & XXXX ) were setup using my personal information stolen from Experian. Filed XXXX County Sheriff Police Report # XXXX. Called XXXX, File # XXXX, Pin # XXXX tele : XXXX, and spoke with XXXX XXXX & informed. 
Experian has not sent me a free credit report requested thru XXXX ( other XXXX companies have responded ). All attempts to contact them have failed. I am not sure if they are still in business. 
See attached docs.
While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.
Bank of America has told me that this account is linked to an account in my wife 's maiden name 2 years after she was married and claims I lived in XXXX XXXX Virginia. I have never lived in XXXX Virginia, so Bank of America can claim what it wants but on XXXX XXXX of 2016, my lawyer will start the lawsuit paperwork and when I show up to court with federal records stating these XXXX facts, I will not settle but I will be going for the maximum amount for damages against me and my company. Final warning and no more complaints after this.
I moved to the XXXX on XXXX XXXX, XXXX .... ( stayed there for almost 5-years ). NEVER USED MY CREDIT. My SCORE was approx. XXXX, before I left. ARRIVED back to XXXX on XXXX XXXX, XXXX. 
Tried to get a BANK LOAN, & other items, Much to my amazement, I was TURNED DOWN! My CREDIT SCORES WERE : XXXX, XXXX,? ... .... 
I LOOKED AT MY REPORT, & THERE WERE XXXX-ITEMS ON MY REPORT, ( COLLECTIONS ), THAT I DID NOT KNOW. ( AS I HAVE BEEN IN THE XXXX, & HAVE " NOT '' USED ANY CREDIT, TO PURCHASE ANYTHING, ON MY SOCIAL ). 
ONE WAS " XXXX, XXXX '' ... ... ..I CALLED THEM ON XXXX OR XXXX. THEY TOLD ME IT WAS A " CELL PHONE '' PURCHASED ON XXXX XXXX, XXXX. I WAS IN XXXX, XXXX, DURING THIS TIME! 
The amount was for {$320.00}. I PAID THIS OFF ANYWAY. ( AS THEY TOLD ME THE EMAIL ADDRESS WAS FROM MY DAUGHTER : XXXX XXXX XXXX XXXX. BUT I WANT THIS TO REMAIN WITH ALL XXXX-CREDIT AGENCIES. ***WHAT I 'M STATING HERE***I 'M A XXXX XXXX VETERAN, WHO IS TRYING TO BUY A HOUSE, FOR MY NEW WIFE, & XXXX SON!! PLUS, NOW THAT WE CAN NOT GET A LOAN FOR THE XXXX UNIVERSITY TUITION, FOR MY NEW WIFE. I AM VERY DEPRESSED, ... ... ... ... .there is more! 

***ANOTHER COLLECTION*** ... ... ... .case # XXXX ... ... .for : {$2800.00}. XXXX XXXX. ( I called them ... ... .THEY TOLD ME IT WAS FROM " XXXX XXXX ''. *REMEMBER WHEN I TOLD YOU I LEFT FOR THE XXXX ON XXXX XXXX, XXXX. WELL I " '' LEGALLY PARKED '' '' MY XXXX XXXX CAR, IN THE AIRPORT PARKING AREA. ... ... WITH INSTRUCTIONS FOR MY ( ABOVE DAUGHTER TO PICK THIS VEHICLE UP, AS I HAD GIVEN IT TO THEM ). *Thru the years, I have given them XXXX-VEHICLES. WHEN I ARRIVED IN XXXX ... .I CALLED BACK HOME & SPOKE WITH MY FAMILY. ONE OF THEM WAS XXXX MY DAUGHTER : XXXX XXXX XXXX XXXX. SHE TOLD ME THAT ***THEY HAD INDEED PICKED-UP MY XXXX VEHICLE, & IT WAS DRIVING JUST FINE***BUT MUCH TO MY AMAZEMENT ... ... ... .ABOUT XXXX-MONTH 'S LATER, I GOT AN " EMAIL '' FROM : XXXX XXXX. XXXX XXXX ... XXXX XXXX XXXX, OVER ABANDONED VEHICLES ). 
HE TOLD ME THAT MY CAR WAS STILL THERE. I TOLD XXXX XXXX XXXX, THAT I WAS ***SORRY*** & THAT HE COULD AUCTION MY XXXX CAR OFF, TO PAY THE ***THEN APPROX. ... .... {$1200.00}, OR SO PARKING FEE ...? OR THERE ABOUT.? 
I EVEN CALLED XXXX XXXX XXXX ... ... ... ..TELLING HIM THE ABOVE. TELLING HIM I WAS VERY SORRY. AS I WAS " NOT '' AWARE OF THIS EVENT, WHATSOEVER. 
NOW COMES XXXX XXXX, XXXX ... ... ..ME & MY NEW WIFE, & SON ... ... ARRIVE IN XXXX, ONLY TO FIND OUT THAT MY " CREDIT SCORE '' HAS BEEN DOWNGRADED FROM XXXX ... ... ... .TO THE CURRENT RATINGS. 
MY WIFE IS VERY DEPRESSED AS SHE CAN NOT ATTEND XXXX UNIVERSITY, XX/XX/XXXX. AS WE CAN NOT GET A LOAN FOR OUT OF STATE TUITION, NOR CAN WE PURCHASE A NEW VEHICLE & HOUSE, VIA THE VA LOAN. 

I MAKE APPROX. $ XXXX-DOLLARS PER YEAR ... ... BUT CAN NOT GET CREDIT ANYWHERE. PLEASE SEE THAT ALL 3-CREDIT AGENCIES GET THIS LETTER. 

I THANK YOU FOR YOU TIME & CONSIDERATIONS. 

Respectfully, XXXX XXXX XXXX & Family. 

ps ... ... NOT TO MENTION **ALL 3-CREDIT AGENCIES** HAVE MANY ADDRESS, NAMES & SSAN # FOR ME!! DESPITE ME PUTTING " FRAUD ALERT '' ON THESE, IN XXXX, WHEN I LOST MY BILLFOLD. THERE ARE TOO MANY MISTAKES TO MENTION HERE, AT ALL OF THE AGENCIES!!
complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX Experian and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
I received a Credit Alert from Equifax for a collection debt from BYL Collection for a XXXX XXXX XXXX bill which I do not owe. First of all, when I disputed this claim, I sent a letter to BYL asking what this was about. They sent a letter on XX/XX/XXXX with a bill accompanying the letter for a gas bill from XXXX XXXX with this information on it : XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX My name is XXXX XXXX and I live in Idaho. I have never been to XXXX, NV nor do I use XXXX XXXX XXXX which is not even available here in Idaho as far as I know. The correspondence was sent to my correct address with incorrect data. I am in the process of refinancing my home and this is a bad mark on my credit report. I need this removed. I see that my credit score dropped almost 100 points because of this. The reason I know this is because the bank sent the 3 credit report findings and XXXX is the only one listing this fraudulent claim. My scores are in the 700s for the other two and 600s for XXXX. I need this removed from my credit score and I am not sure what else I can do. Please let me know what you can do to help me. Thank You, XXXX XXXX
After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
Ive returned the owes equipment on XX/XX/17. IC systems keeps calling me to return already returned equipment. I gave them the return receipt info and they still keep calling. Ive also asked them to stop cease and decease contact with me and they co tinie to call. Per my FCRA rights, this is punishable up to XXXX ... any other contact, I will enforce my right up to the entire XXXX $ per contact.
I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?
I have a collection account on my credit reports from First Fed Credit Control that does not belong to me. The balance on this account is {$70.00}. The account was opened on XXXX-13.
I had a credit card with Capital One and got behind on my payments, Capital One got a judgment lien on my home ( XX/XX/XXXX ) and tried to attach my wages, but I made a settlement with their collection attorney and sent the law firm the funds on XX/XX/XXXX. However, Capital One has not released the lien on my house, or signed a satisfaction of judgement. My house has since gone to foreclosure, and I have negotiated a 'quick sale ', to avoid foreclosure ... But I need this lien released I have a buyer and approval to sell my house, but title is now clouded by this Capital One lien. 
1. I called the Law Office ( XXXX -but their phone was disconnected, So I looked up the attorney, XXXX in the California Bar and got his phone number and called him. XXXX said he does n't work for Capital One anymore and to call Capital One 's, So I called Capital One customer service says that the account is closed and paid, but they also sold the loan to " XXXX '' ... So I phoned and faxed all the settlement information to a " XXXX at Capital On and to XXXX -with their case number & XXXX. On XX/XX/XXXX and again on XX/XX/XXXX and again on XX/XX/XXXX. 
I have n't received any response and I need to get proof to the XXXX county to get the lien released. 
Please Help
I deposited a check for {$550.00} on XXXX/XXXX/2016 into my checking account. On XXXX/XXXX/2016 the check cleared the Insurance Company 's bank and was paid. On XXXX/XXXX/2016 funds were still being held. I called & was told the hold was XXXX/XXXX/2016 because " there was a problem with the check ''. They could n't tell me what the problem was. I had a copy of the check, no problems. I was told to call the Insurance Company, that my bank had not called & I was sent a letter to call the Insurance company and to allow 10 days for the letter to be received. No joke! They actually said that! 
I called the insurance company, they confirmed check was paid out on XXXX/XXXX/2016. I called wells fargo again after receiving confirmation the check was cleared, cashed and funds sent, to be told that wells fargo was waiting for confirmation from the Insurance Company 's bank that they would " confirm that they were not going to pull the funds back ''. Are you serious?? This policy of a 10 day hold on money that they have already received and are holding is just stupid! One phone call to them for verification of this supposed pull back release would have made wells fargo " a personal bank ''. Tell me why. I do n't believe the XXXX people I spoke with at the bank. After getting to the XXXX superviser I was told the check did n't clear, the paper check, but that they had the funds on hold. I do n't know ANY bank that would send funds without clearing a check. I do n't believe banks send money out of the goodness of their hearts! They want guarantee 10 days later that the funds are good? That does n't make sense! The bank said I could file a claim, that would take 5 days. LOL Wells Fargo is holding funds 10 days on paper checks. There is nothing that can be done! They have the money, can use the money for 10 days before they release to account holders. I was told Direct Deposits are never held. Is that because they are a Federal Transfer? If Wells Fargo needs a " pull back release '' on all paper checks, why is n't this information given to account holders to deposit along with the checks?? Like an indemnity policy, that the check is good. lol Or a Federal Stamp of some kind from the issue bank? Is n't that FDIC guarantee for a check? 

I believe Wells Fargo should be investigated for unfair business policy in regards to 3rd party paper checks. That this " Pull Back Release '' needs to be investigated. I do n't believe it 's real. Wells Fargo should be slapped with a Federal fine for withholding accountholders funds without reason on funds received and already in their possession.
Flagstar Bank FSB has failed to submit payment to my Home insurance provider. There may be a lapse in coverage if the company does not pay.
On the XX/XX/XXXX I had the following coins transferred to my Coinbase wallets. I have put links to the coinbase wallet addresses for my account and blockchain info. 

Bitcoin XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Looking at my wallets XXXX XXXX XXXXXXXX There is nothing there for the transfer for any of the coins. Not even pending. If you look at the blockchains above you can see the coins went to my addresses and immediately left somewhere. However the amounts never went to my wallets. I opened a case for this on the XX/XX/XXXX and still haven't had a meaningful reply from coinbase
I live in the state of Florida, and have an agency contacting me on a debt in the state of NJ, not incurred by me. I have had a lock on my credit due to identity theft for about 3 years, provided these folks with proof of residence etc. and the last straw was when NCC Business Service, who 's tarnished my perfect credit with a balance of {$1500.00} contacted my place of employment, where I 'm a XXXX with this matter.
Equifax recently had a hack that puts me and millions of others at risk of identity theft. According to their equifaxsecurity2017.com website, I am listed as a potential victim. I would like a resolution to this problem. Attached is the page I see after putting in my last name and last 6 digits of my SSN on their website.
Green Tree has used extremely aggressive threatening and harassing collection tactics in its rapidly growing servicing business I, XXXX XXXX XXXX and XXXX XXXX my wife were especially vulnerable to Green Tree 's tactics because we were locked into a relationship with the company. So in order to remain in our homes, we, XXXX XXXX XXXX and XXXX XXXX, had to deal with the company abusiveness, threats and harassment for as long as it services our loans, regardless of how they treated us. Even now, our lives are plagued because of their actions of violating our consumer rights. Because of Green Tree 's routing system for handling incoming calls, consumers XXXX XXXX XXXX and XXXX XXXX, were routed to a collector instead of a customer service representative. We were told that our only option is to speak with collectors when we have questions or problems with our accounts. When we, as consumers reached Green Tree 's customer service representatives we were requested to schedule a payment before receiving assistance because we were behind on our mortgage payments. 
We, XXXX XXXX XXXX and XXXX XXXX Green Tree, were having difficulty paying our mortgages because of a devastating event, which accrued ; so we arranged for a short sale of our home but received no assistance from Green Tree and lost prospective buyers. As a mortgage servicer, Green Tree has the delegated authority from the investors who owned our loans to approve our short sale requests but refused and gave no reason why they would n't.
In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.
In XX/XX/XXXX Chase Banks XXXX working at the fraud detection unit unlawfully locked me out of my own account when I tried to inquire about a transaction. They issued a security freeze in my account so I could not access my account online and had to go to branch and show ID to unlock it and I was not given any logical explanation. They had no basis to lock my account I answered all security questions accurately and answered all questions regarding my name and address so they acted in bad faith in denying me access to my account. This may be how Banks in XXXX XXXX work but not the us. Harassment of law abiding customers is what Chase Bank engages in. I do n't recommend chase bank. They are corrupt and disregarded my consumer rights and for no reason locked me out of my account. I recommend a class action lawsuit by consumers who have been harassed and denied access by the XXXX working in the supposed fraud detection unit because probably in many cases as mine the fraud detection unit accuses innocent customers of being the identity thief and real identity theives are not detected just innocent customers.
I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX  XXXX even had the right person or the proper account!
TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.
Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.
I refinanced my house in 2012, instead of an actual appraisal the company used the county appraisal value of the home $ XXXX as a cost saving measure instead of full appraisal. The refi amount was $ XXXX. Fast forward today the loan value is $ XXXX and current home value $ XXXX. I have asked for the removal of escrow ( taxed & insurance ) no PMI ever on this property. The company is telling me that escrow cant be removed because my LTV based on the original inaccurate appraisal is above 80 % and my balance would need to be $ XXXX in order to remove. I have spoken to numerous customer representatives and I am constantly provided a different reason for not being able to remove this escrow
Sent the company several letters to update my personal information, as well as to dispute fraudulent accounts. The company did block some of the accounts i requested but not all, and allowed a creditor to run my info without consent. I sent in certified mail, notarized, with a FTC affidavit.
My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.