WillisBack/dataset-financial-user-claim huggingface dataset:
BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.
An application for the XXXX was submitted before the deadline before XXXX XXXX, 2016. Never received a response. Called them today spoke with XXXX and was told documents were missing although does not know what they are.
I applied for a personal loan with Wells Fargo on XX/XX/XXXX. I was pre-approved so I proceeded with the application process. Wells Fargo sent me a notice to upload my XXXX XXXX & most current paystub. While uploading that info I accidently up loaded other tax documents that was I was not asked to send. I tried to cancel but it did not work. I called to speak with a loan specialist and was treated very unfairly. This lady was way out of line. She told me she was going to call my employer about my tax write offs. This is none of her business nor the my employers. I called to complain about the incident and the way I was treated and was assured that it would be handled and she would not be handling my loan request. Well she called my employer and my loan was denied based on the info that she shouldn't have even received. They deducted last years tax deductions from this years salary. How is this fair? My situation is different this year. I'm so embarrassed now that all my co workers no my financial situation and how can they base their decision on something that was not even required to obtain the loan. I have had this account for years and I am currently looking for somewhere new to bank. Shame on Wells Fargo for treating my like this. I have been humiliated and treated like a criminal or something.
This is a complaint about Bank of America. Why am I being charged an {$8.00} maintenance fee? I do n't use the teller. 

These fees are illegal under Section 502-09 of the US Banking Code. Please remove the fees and reimburse me the fees.
I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.
I am being charged by Experian for some premium credit monitoring services which I never signed up for. The company makes it extremely difficult to cancel the service. There is no option to cancel the services and get the refund on their website or their app. Calling customer services requires more than one hours of wait time. The first time I called ( XXXX ) and waited for half an hour  then the call got dropped. I called again on the same date and my calls keep getting dropped. After about 8 attempts and three hours later, including waiting for more than an hour, I finally got a call with a representative. I ca n't simply stop payment on my credit card because it may hurt my credit score. The way they treated their customers is unacceptable. Please look into this behavior on consumers 's behalf. Thank you.
Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.
Wells Fargo has been incredibly deceptive and intentionally confusing. To summarize, they have mailed me two letters confirming a so-called late payment was removed, and also verbally confirmed over the phone recently that it was removed ( listen to the call to hear the deception! ). It has not been removed, which is certainly deceptive and clearly unfair practices. 

The letters they mailed noting that it would not be reported reference the account ending in XXXX. 

-My Wells Fargo account number CHANGED after XX/XX/XXXX, due to a LOST CARD to the account ending in XXXX. 

-The late payment reported is for the account XXXX, as the account did not change to the new number until AFTER XX/XX/XXXX. 

-THEY ARE THE SAME credit line, the number only changed AFTER a late was reported because the card was LOST. 

XXXX is what the account was when a late payment was reported. The account number did not change until AFTER XX/XX/XXXX to a new number. The letter I have attached that they mailed is referencing what the account number was when they reported. 

I have never had anything negative on my credit and have been appalled by how misleading and deceptive Wells Fargo has been. They have lied to me several times, and told me conflicting infomation. When I called several months ago to confirm the removal, the representative confirmed several times that it had been removed. In my most recent conversation, they said it had not ... where are my rights? How is this ok? What truly deceptive practices! I have spent over a year being lied to and misled. 

In my most recent conversation, they were not able to confirm the two letters mailed to me stating the removal. That is very concerning that they do not maintain records of outgoing confidental customer information and would mail conflicted information repeatedly. 

This is WRONG!!! PLEASE HELP!!!!
My main complaint for today. Portfolio Recovery Associates has not updated any information to the credit reporting agencies. PRA has not updated anything for the past two years. I was unable to have PRA update to the credit agencies. I had tried calling them with several phone calls. They had refused to send out updates to the three major reporting agencies. I was shocked that they would not update anything. I am requesting that they make updates and send them out to the credit reporting agencies.
My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.
Keep getting interest rate increases without any late payments or any notice.    XXXX   XXXX    XXXX    XXXX    XXXX
On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?
I have been having a issue with my mortage company since XX/XX/XXXX. I was out of work due to a illness in my family i took a loa was out a week. During the XXXX of the year my job cuts hours. So in XX/XX/XXXX i applied for a loan modification. I sent in all documents needed. At this time they would not accept any payments from me they would return them They have constantly asked for paystubs i would fax those in within time frame. In XX/XX/XXXX my relationship manager calls me telling me there is a deprecrency in my paystubs they needed more paystubs so i faxed in more. 1st it was {$16.00} then it jumped to {$60.00}. Time and time again i faxed in what they requested. Everytime i called spoke to someone different with different answers. As of today XX/XX/XXXX. My loan modification has still not been approved nor denied..but they will not accept any payments on my account. Now i am over {$6000.00} behind on payments because these people cant get their act together ... i am the one losing out i am losing my home i am losing 9 years of payments all because they can not add cant see i get paid biweekly not weekly. Very disturbing how a large company like this can get away with such a horrible act.
XX/XX/2018- Convergent sent a letter alleging that I owed them a debt. 
XX/XX/2018- I responded to Convergent disputing the validity, legal authority and requesting an original contract between myself and Convergent. 
XX/XX/2018- Convergent sent a letter simply stating that such debt was valid. 
XX/XX/2018- I sent another letter to Convergent once again disputing the validity and legal authority of them to assert such a claim.
I 've repeatedly requested that Experian and   XXXX   correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However, Experian still reflects and inaccurate collection status in  XXXX  of  XXXX , inac  curate written off $ amount/status, and an inaccurate " Date Opened ''.   XXXX   still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by Experian and   XXXX   and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.
This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX XXXX.
I have disputed an account on my credit file, it has been resolved by all but Trans union. It was reported paid in full XX/XX/XXXX, it was an auto loan with a total loss in hurricane XXXX. this item has been disputed in XXXX XXXX XXXX and XXXX and yet trans union still shows an open account. I had to purchase a used car and due to the XXXX balance I am paying 22 % interest and have not been able to refinance due to it still showing on my credit file. 
This is what it sows as of 10 minutes ago and it is costing me thousands of dollars that I want back due to there failure to correct this XXXX XXXX XXXX XXXX XXXX XXXX $ We Think You Could Save Last reported : XX/XX/XXXX {$22000.00} Good Overview You've paid off 26 % of the original amount. 
Balance {$22000.00} Highest Balance {$30000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Term 75 months You have an estimated {$3600.00} in interest left on your car loan We think your 7 % APR may be high ( est. from your credit report ). Refinancing might help you lower your APR and save on interest.

See if you can save Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Co-signer Remarks -- Times 30/60/90 days late 0/0/0 See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX
XXXX agreed to remove acct from my credit report since I paid full on XXXX/XXXX/16. Sent removal letter and equifax will not remove the acct I have put in several investigation and nothing happens.
I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.
This debt NEVER existed. This is NOT a debt. 

This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! 

I have been harassed by several collection agencies since 2010! This has to STOP!!! 


I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! 

If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.
Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.
I have received the response below from Transunion. They send me another copy of my credit report apologizing that they made a mistake on the previous report they sent me. The phone number for the creditor is invalid., it is impossible for me to contact the creditor and verify the information that is reflected on my credit report. A representative from Transunion told me on a recorded line that the number was not working and that I should contact Transunion by mail. I am still waiting for the correct information from Transunion from the creditor. I have attached a copy of the most recent report I received from Transunion. 

TransUnion said : Explanation of closure In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. 

Response After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it.
I will start by saying I like Chase and the representatives have nice.I opened an account with Chase Bank on XX/XX/2018 after I saw.a advertisement online for {$200.00} bonus to open a checking and a {$150.00} bonus to a savings. This is granted if you meet the requirements of adding a {$25.00} deposit and getting direct deposit of {$500.00} or more within 60 days. I have met the requirements and called to check the status of my bonus and they stated a promo code does not show on my account. I explained to the rep that when you apply online it tells you that if you want to print the code and go into the branch enter your email address. If you want to apply online promotion automatically applied. I selected to apply online following the same links and now they wont honor the promotion. I have called the bank and talked to 3 managers and they stated I have to have a promo code even though online it says you dont need one. I attached a screenshot for them to review. The last resort is to go into the bank which is very hard because I work XXXX and sometimes on Saturday. I think chase should take care of me because I did everything asked and closed my other accounts for this offer.
I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.