WillisBack/dataset-financial-user-claim huggingface dataset:
COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}
I AM CURRENTLY ON HOLD WITH DITECH. I HAVE BEEN ON HOLD FOR 54 MINUTES AND IVE ALREADY SPOKEN WITH 3 DIFFERENT AGENTS WHO KEEP THROWING ME AROUND TO DIFFERENT DEPARTMENTS. 
I AM CALLING FOR STATUS ON MY LOAN MODIFICATION AND NO ONE CAN GIVE ME INFORMATION OTHER THAN I NEED TO TRANSFER YOU TO A DIFFERENT DEPARTMENT. 
I BELIEVE THAT DITECH IS UTILIZING ILLEGAL TACTICS TO CAUSE MY MODIFICATION TO FALL OUT OF REVIEW AND STEAL THE HOUSE FROM UNDERNEATH OUR FEET. 
IF THIS IS LEGAL ITS DEFINITELY NOT ETHICAL.
I am rewriting my XXXX mortgage. In so doing, I need a subordination agreement from Springleaf Financial. They will not do the agreement until I bring the loan payments current. When I asked when I missed a payment, they were unable to tell me. My bank records show I am current on my payments. They tell me I missed one payment in XX/XX/2013 for {$280.00} yet they tell me I have to pay over {$800.00} to get current. 
Holding up my loan closing to attempt to collect money I do not owe.
I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX  XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I am writing because : My Lender Caliber Home Loans did not acknowledge my request. 
" In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA you are required to acknowledge my request within 20 business days. '' They DID NOT and HAVE NOT acknowledge my request to date, which is long past the required period required by the Act. 
Attached are copies of proof of they received my request on XXXX XXXX, 2015 at XXXX What action they should take : Though the required acknowledge period have pasted, " In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA they must acknowledge my request. 
XXXX XXXX XXXX
I attemeted to cash a check in my account given to me from my dad who has the same name and also had bank of america aswell. later my acouunt was closed as " fraud ''
I have a student loan with Navient. Been paying them for a little over a year and they keep increasing my loan. That its affecting my credit score as well.
I changed my payment plan for my student loans to the Standard Repayment Plan, after being on income-based plans for a number of years. I intend to make qualifying payments so that I eventually qualify for Public Service Loan Forgiveness. After I changed to Standard, I received an email from FedloanServicing stating, " You need to select an eligible repayment plan for your payments to count for Public Service Loan Forgiveness. '' and " You need to change your repayment plan as soon as possible to ensure that any future payments you make count towards PSLF. '' From my research, I understand the Standard Repayment Plan to be a qualifying plan for PSLF, so I am confused by this letter, and I do not want to make payments that are not qualifying.
The company is continuing to update my credit reports stating that I am 120+ days past due. This loan was paid off in consolidation XX/XX/2014. I have disputed this account several times and the company is refusing to update and report inaccurate information. This false information has caused me denials of credit. This company is in violation of the FCRA.
I have XXXX loans from Sallie Mae. Over the course of six months, I enrolled twice in a payment plan. Making only XXXX a month they put me on a plan that would have me making $ XXXX monthly payments. I was denied twice this plan and XXXX XXXX accounts the company did not contact me to let me know. The second time this happened Sallie Mae had my bank account information and began taking out a total of {$740.00} in the form of autopay. Something I had never authorized. This cost me money that was supposed to be in my account to not be there, as well as returned check fees charge by my bank when the sufficient funds were not available, since the amount Sallie Mae was attempting to take out was higher than agreed on.
I have disputed with Diversified Consultants Inc about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX XXXX on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Diversified Consultants did not oblige. Diversified 's letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting. Since Diversified Consultant is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
This company is attempting to collect a debt that is a result of identity theft. This company previously responded to complaint XXXX by stating they have a duty to open a " reasonable '' investigation and that they have not been provided with anything to back up a claim of identity theft. 

To date this company has received : the official dispute from XXXX XXXX which, after XXXX did their own investigation promptly removed this item completely from my credit file. Still working with XXXX and XXXX to do the same ), a copy of the FTC affidavit of identity theft and a letter from my bank XXXX XXXX XXXX XXXX documenting the data breach they had which resulted in my identity theft. This company apparently considers " reasonable attempts '' at an internal investigation to mean not reading the initial dispute. The dispute states that XXXX Bank had a data breach which resulted in all of my personal information. Fox Collection Center has made it their position that because the services in question were opened using my driver 's license information that this debt must be valid. Obviously that logic is erroneous given that by definition identity theft is the theft of one 's identity which includes their personal identifying information - i.e. driver 's license. Note that the driver 's license in question is not even in the state the services were rendered.
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
Pioneer Credit Recovery is harassing non-immediate family members with calls and lying about their reasons for calling. This is very illegal and is in violation of their contract with the department of education.
On XX/XX/XXXX,2017 Midland Funding added to my credit report for {$680.00} for unpaid credit card that already exists on my CreditReport for XXXX XXXX.
I recieved a debt collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, c ; XXXX XXXX CA XXXX ; XXXX. I never borrowed any monies from them and so we called them. On the debt collection notice it does not have an amount due just that i have an unpaid balance with them. I called them and they would not release any information without a social security number and other information about myself. I would not release that to them because i have never heard of them and they will not release the information without it. They are threatening me in the letter they sent. I have never heard of this company, nor have i ever borrowed anything from them.
The short sale of my home was approved by XXXX through the servicer NationStar. We have a closing date of XXXX XXXX, 2015. Now the Servicer, Nationstar, is saying they wo n't allow buyer closing costs to be paid which were on the offer and on the approval ( as stated as item XXXX seller concessions of {$5000.00} ), plus they are trying to negotiate the title insurance fees ( as stated as XXXX as other closing costs ), which were also on the approval. The HUD had been submitted several times with neither the buyers closing costs nor the title fees being mentioned as an issue before yesterday. The buyer can not close without the closing costs as part of the deal. The fees the servicer is trying to negotiate or discount can not be as it is considered illegal to do so. All parties have signed. The buyers lender is ready to fund. My agents have complied with all the requests of the Servicer. They have emailed and left several voice messages to understand what is happening and have had no reply. This is suppose to close and record tomorrow, XXXX XXXX. Due to Nationstar not responding and changing the terms, my sale will not close and my house will go into foreclosure.
In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.
On XX/XX/XXXX I paid my rent payment to XXXX XXXX XXXX and had available funds for transaction of {$1900.00}. Regions rejected payment on XX/XX/XXXX. They admitted mistake and reimbursed me for return check fee, but theyre not willing to reimburse me for the {$150.00} the other merchant charged me.
XX/XX/XXXX I applied for a Citigold account online and due to issues experienced I subsequently continued the application process over the phone to which I was approved. During both the application and new account setup process I confirmed multiple times I was eligible for the promotion provided with the application. I completed all the promotional requirements in XX/XX/XXXX. I sent a secure message to confirm if I had met all promotional requirements to which I received a response from a XXXX XXXX XXXX stating in part " As per the details of your message you have met the requirements for the promotion for XXXX bonus miles. Thank you. 

The fulfillment terms for the promotion states " The bonus miles will be credited to your existing XXXX member account within 90 days from the end of the statement period in which you complete all offer requirements. '' To set your expectations, if all requirements were completed on the statement cycle that will end on XXXX/XXXX/XXXX, then the bonus miles will be credited by XXXX/XXXX/XXXX and will reflect during the month of XXXX XXXX. '' I waited until XXXX XXXX and still had not received the promotional bonus of XXXX XXXX miles to my AAdvantage account. I initiated an inquiry asking why I still had not received my points to which Citi responded stating an investigation had been opened. I have just received the results of Citibank Service request XXXX to which they have stated I am all of a sudden not eligible. This response, in my opinion, indicates Citibank agents knowingly promote false answers to obtain new accounts given the experience I had throughout the application and new account setup process with the multiple confirmations of eligibility and subsequent confirmation of having met the requirements XX/XX/XXXX only to deny this promotion after the fact. 
I would like Citibank to honor their promise of the XXXX XXXX miles to my AAdvantage account or I will be forced to shut down this account as I certainly can not bank with an entity that I have now lost trust and faith in their verbal and written words. 

Thank you for your time and assisting in these matters.
XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.
In XX/XX/XXXX, Equifax was hacked and released the personal information of up to 143 million American citizens ( as well as some in XXXX and the XXXX apparently ). They only reported it recently, and they created a website to see if you could be one of the citizens affected by the data breach. I was informed that I may be a victim of having my date of birth, driver 's license number, social security number, possibly credit card numbers, my current address, as well as other private information, stolen by hackers. There are few options to recover from this incident and none of them are preferable. I 'll have to freeze and unfreeze my credit report constantly, dispute fraudulent uses of my information, and maintain vigilant overseeing of all of my current accounts as everything has been compromised. This information will be available to whomever can get their hands on it for the rest of my life ( and beyond ). I must worry every day about whether I 'll still have money in the bank to pay bills, or if it has been stolen to no fault of my own. Will my credit report be so damaged that I 'll be unable to obtain a car loan, mortgage, or even rent an apartment due to no fault of my own but the negligence of Equifax?
Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.
Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to early warning that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX Card into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with early warning but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my early warning reporting.
Transunion Keeps putting 90 Day Initial Alerts on my credit profile without my permission. They keep doing this because I am sending Validation Letters ( not disputing ) but asking them to provide physical proof that what they are reporting meets FCRA guidelines, meaning the information is Accurate, Complete and Verifiable. They have been unable to do so and instead of doing their job they just keep putting these alerts on my file to make it hard for me to apply for credit. Lets face facts, the law that is on the books that is supposed to govern the credit bureaus is not working. They are breaking the law, not doing as they are required and when myself a consumer asks them to provide proof or remove an item they get mad and whine like little babies and put these alerts on my file. I am tired of this. This is the 3rd time this has happened and I will file these complaints every time to make these guys stop doing this. Just do your job, stop abusing the law and stop telling me that I have to provide proof from the original creditor. I am not the one that is reporting the information so the burden of proof is on you as a company.
Hello CFPB, I am writing to you to report a credit card company that I have had a relationship with for several years and have had a good history with who refuses to lower my interest rate. I have called yearly for the past several years and have requested a drop in my interest rate and have been told repeatedly that I am not eligible for any drop in my rate at this time. In all of the time I have had this card I have had 1 ( one ) late payment that was not more than 30 days and my interest rate was raised. I have had a good history with this company before this incident and have had a good history after this incident and have been repeatedly told that I am not eligible to have my rate lowered. I also receive call from someone trying to gain access to my account and personal information claiming to represent this company and when I reported this call to the customer service representative I was told that she had received these calls as well but there was nothing she could do about it and seemed to be careless in regards to attempts on customer 's information. I asked her if she was going to file a report so her company could investigate this and she replied " Nah, this type of thing happens all of the time ''.
The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.
I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.
My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX.