WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a letter from Afni , Inc in 2016 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.
Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character
The representative has been calling me after I told him not to contact me anymore. I told him that the debt was invalid. Sent him proof via email and he repeatedly calls me. He even is calling at XXXX and XXXX. I have sent numerous emails to him to stop contacting me and he won't stop.
I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Equifax shows {$6500.00} and closed and XXXX shows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
I have a  XXXX   XXXX   XXXX  retail card issued by  TD Bank.  I was talked into taking advantage of the  6months no in terest a sofa i was interested. Purchased sofa  XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website  XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer.  XXXX   XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since  XXXX / XXXX / XXXX .     I immediately called the  TD Retail  division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last  XXXX  bill was officially due on  XXXX / XXXX / XXXX  - I had paid the entire balance  XXXX / XXXX / XXXX  and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the  XXXX  billing cycle. Having not being aware of this  TD Bank   XXXX   car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no   choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the  credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from  XXXX  to below  XXXX . In my opinion this is very deceptive business operations.   XXXX   XXXX   emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business?  XXXX / XXXX / XXXX  promotion ended - i paid  in 6days apparently late and now my credit is in shambles. This doesnt seem ethical.  Please help me.
My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.
On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.
I sent a letter to BARCLAYS BANK DELAWARE letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and BARCLAYS BANK DELAWARE refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. BARCLAYS BANK DELAWARE provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.
I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..
I took out a {$100.00} loan from Check Smart on XXXX XXXX in XXXX Ohio in late XX/XX/XXXX/early XXXX.My first loan payment was to be made in the month of XXXX. I was unable to make the payment and was contacted by the corporate office to make arrangements. I agreed to pay the amount of the loan in full on XX/XX/XXXX. Although these arrangements had been made, I continued to receive calls from the local store where the loan originated. The most frequent calls were made to my place of employment despite the fact I requested my employer not be contacted. 

I was kept on hold for an excessive time on XX/XX/XXXX and was not able to make the payment. The morning of XX/XX/XXXX, an employee at the local Check Smart called me to ask about the payment. I told her I had already made arrangements with the corporate office and would be calling today to make the payment. The employee asked that I come into the local office to make the payment. I explained that I was at work and could not come in at this time, however the corporate office stated the matter could be taken care of via phone call. The employee then stated, " I know you aren't at work. I called your place of work this morning and was told you weren't there. '' I explained that I do work offsite and that is why I wasn't in the building today. The employee wanted to argue with me that I wasn't at work and accused me of lying. I then reminded her that I had requested not to contacted at work as I am a XXXX XXXX in a XXXX XXXX XXXX for XXXX XXXX XXXX and was not able to take personal calls. The employee stated, " I will continue to call until this matter is taken care of. Make a payment and I will stop calling. '' I explained to the employee that is does go against my rights as a consumer and I felt she was being harassing. Her reply again was, " Well make a payment and I will stop calling. I will note not to call you at work but we will continue to call until this is taken care of. '' The employee then hung up and ended the call without a formal goodbye or any type of resolution. I should mention that Check Smart did disclose to my employer that they were trying to collect a payment on a defaulted loan. This was humiliating as a professional. 

Immediately following this call, I contacted the corporate office and paid off the loan in full, as promised. I was told the calls were being recorded for quality assurance purposes. The company should be in possession of a recording of these conversations and it should serve as proof that the above encounter did occur and the employee at the local Check Smart needs further training on Fair Debt Collection Practices as well as customer service.
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account status will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.
XXXX XXXX XXXX XXXX was contacted XX/XX/2017 by telephone and requested to disconnect security services at my home. XXXX was called several times to address problems with the security since the first day it was installed. The system would not stay connected to the internet so the alarm system camera would not work. 
I was with XXXX XXXX XXXX several years my contract had ended when I informed them I no longer wanted their services. I received correspondence from the Trans World Systems Inc. a collection agency to collect on the debt. 
I do not owe XXXX any money. I would appreciate your assistance with resolving this issue.
I contacted the dealership once I drove off the lot of problems back in XX/XX/2016 with the vehicle shaking at 50-55 speeds. I brought the car into services multiple times when most of the times it was never documented that I brought the car in. I ask if the service manager if he can replace the car and there was no interest in to what I was saying of the problems the car faced. I ask the dealership to keep the car because I no longer wanted the car and now it saying I am responsible for the outstanding balance after being sold at auction. The new owners have also repeatedly brought the car into service for the same issues.
Fifth Third Bank made an unauthorized withdrawal from a checking account solely in my name to pay off a loan that was solely in my wife 's name.
I went to ACE Cash Express, and for the loan amount it quadrupled. I am a XXXX vet with XXXX, and I am a dislocated worker when I made arrangements to pay the account got moved to a debt collector. I am dealing with someone named national credit.
On XX/XX/XXXX I switched Homeowners Insurance for a much lower premium amount. The new policy was sent to Seterus on XX/XX/XXXX. Seterus ran an escrow analysis using an insurance policy that was not in effect, in fact that policy was cancelled. This resulted in causing my mortgage payment going from XXXX per month to {$1700.00}. 
I called Seterus on XX/XX/XXXX and was told that a new escrow analysis would be re-run to update the system with the new insurance to reflect new premium amount of {$1700.00} so by the time my XX/XX/XXXX payment would be due, they had the correct amount. 

On XX/XX/XXXX I received the new escrow analysis in the mail and they again used the wrong insurance policy. I called them again to request this error to be corrected and I was told they could not correct and the only thing they could do was to request yet another escrow analysis. They told me to call back on Friday to follow up. The turn time would be 6-7 business days. Today XX/XX/XXXX I called Seterus and they have not corrected the error and are demanding payment of {$1700.00} and that if payment was not made today, they would report to the credit bureaus. I asked to speak to a supervisor and I was told there was no one I could speak to. I was placed on hold for over 40min. waiting to speak with someone. The agent came back on the phone to tell me she was reviewing the previous notes and that there was no way the new payment would be updated because it takes 30 days for the new payment to go into effect. This was the first I heard of this. I started this request in XX/XX/XXXX, the new insurance policy would not be in effect util XX/XX/XXXX.  Seterus has deliberately damaged my credit despite me following up, calling them every week. This company has been sabotaging my loan ever since it was transferred to them. It took them over 1yr to complete a modification on my loan. I was never late but because they don't know how to calculate payments they have been hurting consumers like myself that don't have a choice. During the modification process I was told to pay them {$800.00} to have the modification done. I agreed to pay but when I asked where to send the check to and who to make the check to, they told me to hold off and that they would include that on my new mortgage payment. This is the worse company I have ever dealt with.
For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.