WillisBack/dataset-financial-user-claim huggingface dataset:
Hi ... My issue is closing the account with the correct status. 



In XXXX of XXXX I tried to close an account at a Bank of America branch in XXXX XXXX. I gave a teller cash to close out an account who only applied XXXX dollars of cash given to make a payment then closed account. After hours of back and fourth writing and communicating with Bank of America I have come to find that they did not have any correct information on file and did not update my records correctly. The teller supposedly closed the account but did not use money given to pay balance in full. Currently I have on my credit report a balance of XXXX for fees and late payment. After talking to an associate I have found that they update records in XXXX with an address i did not live in till later. I have a negative mark on my credit due to the negligence of Bank of America practices and staff. They did not close my account correctly and took my cash. It also took me over a year or so to get the full set of records I requested ... Each partial set not matching the others nor the full complete set. 

After agreeing to settle the issue last year Bank of America changed the rerecord number of my account and then re opened it and put it on my credit. I am at a loss as to what to do because they did close my account in XXXX XXXX say I made a payment when it closed but claim I was 30 days late with giving them a payment in XXXX. I would like to let you know that update records to reflect what they want and change information often to cover their tracts. 

I asked the B of A to prove to me that I only paid XXXX dollars and did not try to close the whole account with cash. They records only reflect a payment and close of account but not for the correct amount. After years of fighting it has been established I did close the account ... now they need t get the amount right. paid in full.
On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of the website.
I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS FIRST XXXX XXXX & XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX BANK XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )
In 2008 I was approved for a {$20000.00} private student loan, even though I was XXXX and had no credit. After taking over 7+ years to obtain my undergraduate degree, this loan accrued over {$20000.00} in interest, on top of the principle. The loan has since been " sold '' to Wells Fargo and they want me to pay {$400.00} a month on this loan. That 's almost 20 % of my monthly income and does even include XXXX other student loans I am paying on. I ca n't consolidate my student loans, because my credit is awful. At this point the only thing they can do is extend the term of the loan, which will only result in more interest. I feel completely taken advantage of and I need help setting up a payment that is reasonable for me. My federal Loans are currently on an income based repayment plan and I only have to pay {$36.00} a month. Please help me
I received a credit card offer. The first page had XXXX lines ( I 've marked those on the attachment ) with numbers indicating footnotes, but there were no corresponding footnotes. The bottom of the first page, the one with all the offer language, stated " Please see page XXXX of insert for Additional Disclosures '' but I could find no additional information or further limitations on their offer.
I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.
my accounts were compromised with fraudulent charges, Equifax caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need Equifax to clear my credit report and correct it.
I am in the process of negotiating a short sale with my first lender SPS, and they already issued approval once before, and after we requested an extension on the appproval since the XXXX lender did not approve the short sale until after SPS ' approval expired, SPS did a new BPO on the property. The XXXX value came back substantially higher than the already approved price that Buyer agreed to, and the BPO had many glaring errors- the valuation used properties more than XXXX mile away, in different school districts, more desirable neighborhoods, comps that were not even sold, etc. This is the 2nd time SPS has done this on this same exact file. Their first BPO had the same exact glaring errors and they sat on it and did nothing until a prior CFPB complaint was filed. They need to be fined as this repetitive action is becoming malicious and affecting the lives of the Seller and Buyer extremely negatively.
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTIONXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
I use Equifax, as well as XXXX and XXXX, to periodically check my credit report. In the last few days, improper IT security measures at Equifax led to their systems being " hacked '' and 143 million US customers ' information being leaked. This includes social security numbers, and poses an increased risk of identity theft. This happened in the first week of XXXX 2017.
I have placed a 90-day Fraud Alert on my credit report, however, I believe this hack was the result of insufficient and inadequate cybersecurity processes used by Equifax. If companies continue to neglect their cybersecurity, and continue to under-invest in what is an increasingly important and critical part of a company 's ( and democracy 's! ) infrastructure, then we will have increasing and more dangerous hacks.
on XXXX/XXXX/XXXX an ATM withdrawal in the amount of {$1200.00} was made from a teller assist machine from Bank of America located at XXXX XXXX XXXX in XXXX FL, I was in XXXX, FL. The criminal used some sort of identification to withdrawal the money from my account ending in XXXX. The amount exceeded the limit I had placed on the account but they authorized it anyway. The same criminal than came into the bank to try and cash a bad check on my account and the teller flagged it as possible identity theft and would not allow the check to be cashed, they then allowed the person to leave the bank. I was notified via voicemail. I called back and initiated a fraud claim through the bank on XXXX/XXXX/XXXX. They informed me they do not inform the police, that would be my job, and the money should be returned to me within 10 working days. I then went to XXXX to purchase XXXX gift on XXXX/XXXX/XXXX where I discovered that Bank of America had cancelled by cards, without informing me. I contacted the XXXX Police Department to report the crime on XXXX/XXXX/XXXX when I returned from vacation. I went to the bank on XXXX/XXXX/XXXX to find out why the money had not be returned yet. They informed me that they were doing an investigation and the money would be returned on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and they told me it was still under investigation, and now it would be XXXX/XXXX/XXXX but they could not view the video footage without a subpoena that I had to initiate from the police department, who has still yet to call me back. On XXXX/XXXX/XXXX I went back to the local branch to find out why the money still had not been returned, they told me it may be XXXX/XXXX/XXXX, more than a month since the money was stolen, but that they could not even guarantee that The bank also said they have a right to deny the claim or fraud when they could easily see, from the video footage from both the ATM machine and inside the bank who the crook was. I can not believe that Bank of America can first assist a criminal in committing a felony, but than constantly lie, as to when I am going to get my money back, there must be some sort of rule or regulation governing the return of money to a customer. Also, they refuse to tell me what form of identification was used to obtain the money. I think I have a right to know what form of ID a criminal utilized to impersonate me. Also, is there no regulation that stipulates when a bank has to have an investigation completed by? What boggles my mind is, how can a bank witness a felony and have no obligation to report it? Bottom line is, I want my hard earned money back. I earned it, I saved it, and the only person here who has the advantage is the criminal. I have no idea what recourse I have towards Bank of America, or who could even help. 

*On the account statement attached the transaction is the first one on the page*
I paid my car off on XXXX XXXX XXXX with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
I had been a XXXX XXXX customer since XX/XX/XXXXand in XX/XX/XXXX, I moved. I decided to suspend my cable service until I found a permanent home. XXXX explained I could do that for up to 3 months. I was very clear and specific about the fact that I wanted to pay up to the last date of service because I didn't want to have any fees due as I know how cable companies are prone to refer unpaid, outstanding bills to collections. Well, after a month, I called to inform XXXX  that I wasn't going to reinstate service with them. Somehow, it turns out, I had a bill. I repeatedly asked them to send me the bill so that I could review the charges. I never received the bill and they continued to pursue collection for the bill. In XX/XX/XXXX, they referred my account to Receivables Performance Mgt. When I received their first collection letter, I requested a copy of the last bill and they didn't provide it. At this point, they have now posted the collection on my credit report. I find that both XXXX and Receivables Performance Mgt. have acted improperly in their collections process. I have a right to verify the charges and to review the last bill of service. I would like to have this corrected and removed from my credit report.
On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX  to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number and requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX   or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. I don't owe any debt and I'm not familiar with any issues nor received any letters by US and/or Certified mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches with big companies that were very public. I believe this has caused collection agencies to contact me in an attempt to collect on debts that have been discharged in bankruptcy which is in violation of the Fair Debt Collection Practices Act and Bankruptcy Protection Law. Additionally, the unwanted calls and pre-recorded voice messages to my cell phone could be in violation of the Telephone Consumer Protection Act.
My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.
I am an authorized user on an account with XXXX XXXX XXXX that was charged off for {$140.00}. I am not responsible in any way for that charged off amount. The account is not in my name. I asked the account holder to put me as an authorized user to help me build my credit. Well now the account is charged off and is drastically hurting me when I apply for credit. I have disputed this account with the credit bureaus MANY TIMES. The most recent time was this month. I have asked the bureaus to validate that this account is reporting correctly on my credit report. XXXX has deleted the account from their file because they could not validate it to me with proof. Experian and XXXX have not removed the account. Experian keeps saying that the account is verified but will not show me any proof of verification. How is that correct? How can one account have the same information and one bureau not able to verify yet the other two are able to verify the account? That sounds impossible.
I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.
My name is XXXX XXXX and Experian is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
COMPLAINT : XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, MA XXXX XXXX I have a checking and savings account in Santander Bank, N.A. at the following branch in XXXX XXXX. Santander Bank | XXXX XXXX XXXX, XXXX XXXX, MA XXXX Branch ID : XXXX Tel. ( XXXX XXXX XXXX Fax : ( XXXX XXXX XXXX ; Customer Service Ph. ( XXXX ) XXXX On XXXX XXXX, 2016, a withdrawal for the amount of {$360.00} was made on my Santander account at XXXX XXXX, XXXX, MA, located in XXXX. Also {$3.00} bank fee was charged to my account with this transaction. I called Santander Bank branch at XXXX XXXX and Customer Service immediately reporting the fraudulent withdrawal from my savings accounts. I reported to the bank that my Debit/Credit card was with me in my wallet the moment this money was withdrawn without my authorization. I told the bank 's representative that I have never used my card to withdraw money at XXXX XXXX, XXXX MA, located in XXXX. 

I am a XXXX in XXXX, MA. I was a XXXX for more than ten years. I mentioned the Customer Service representative that it was evident that somebody cloned my card and used it to steal my money at XXXX XXXX, XXXX MA, located in XXXX. They asked me if I had any idea of whom cloned my card. I mentioned to them that XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, MA XXXX was the only place that has had access to my information when I have ordered online at XXXX. However, I clearly stated that I was not imputing this restaurant any culprit, just the fact that they have had access to my information for delivery purposes. 

Customer Service gave me the following Claim Number : XXXX and said that the bank will investigate the illegal withdrawal of {$360.00} from my savings account and will reimburse to me the total amount of {$360.00} ( including {$3.00} charged fee ). 

As of today, Santander Bank has not reimbursed me for any money, and customer service department has just given me a general statement that the bank can not refund the money because information is inconclusive, avoiding to explain the foundations and rationale for this determination. 

Hereby I am requesting the intervention of the CFPB to solve this matter.