WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX Bank of America closed my credit card account I have had with them since XXXX. I was not aware of this action until I attempted to verify I had a XXXX balance on Friday, XX/XX/XXXX. After learning my card was closed, I contacted Bank of America by telephone on XX/XX/XXXX. The representative assisting me was n't able to explain to me why the card was closed and stated that I would receive a letter explaining why my account was closed and that the letter was sent on XX/XX/XXXX. 

She then offered to submit a request to reopen my account, I gave her my permission to do so, she then stated the request was denied because those terms and conditions were no longer available. She then offered to take an application for a new card as " they likely had a product that better fit my needs. '' I declined. 

I received the letter stating my account was closed on XX/XX/XXXX. The letter states that my account was closed due to a recent view. The account was closed because of : inactivity on this account ; sufficient utilization of your available credit ; current or past delinquency with one or more of your creditors. 

I believe that Bank of America has acted in a discriminatory manner, a manner that acts against the best interest of XXXX customers. Over the last 15 years that I have been an card holder of Bank of America my credit score, utilization and delinquency with other creditors were not an issue until just now. Over the last year I have worked to increase my credit score over XXXX points, reduced my utilization rate from nearly 95 % to just 46 %. In addition I have had no late payments in the last 12 months. By Bank of America choosing to close my account will negatively impact both my credit score due to the length of time I have had the card and utilization rates due to the  reduction of available credit. If all of my credit card companies acted in the same manner as Bank of America has it would severely impact my ability to obtain credit and the ability to rebuild my credit going forward. 

The decision to close cards based on the criteria that Bank of America is great for them, but not good for the average consumer.
Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment, they also refuse to provide my credit report as I am showing a different score than what they are reporting. We may possibly lose our home or it will cause our locked rate to be extended causing our interest rate to go up costing us a lot more money.
On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. 
I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. 
I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative.
Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .
Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. 
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.
On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.
OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME
Navient is the company ( previously Sallie Mae ). The  loan was taken out by the primary borrower in 2007. The primary borrower for this loan has made over 100 payments since the inception of the loan. Both the primary borrower and myself ( the co-signer ) over several years have previously contacted Navient ( previously Sallie Mae ) requesting removal of co-signer from the account. Navient ( and previously Sallie Mae ) customer service had stated on multiple times to both the primary borrower and myself ( the co-signer ) that the co-signer would be removed from the loan after 12 consecutive payments. The primary borrower has made 12 consecutive payments 8 times over and they still have not removed me from the loan and continue to erroneously place late payment status on my credit report which I repeatedly dispute. The primary borrower has made over 100 payments to this loan. The co-signer has made none, not once since  inception of the loan 11 years ago. The primary borrower has show the capability to pay for this loan more than 100 times. Additionally, when the primary borrower recently contacted Navient to make payment arrangements which Navient agreed to, Navient chose to place a 60 day late payment report to my credit account and then a 90-120 day late report consecutively which has caused a drop in my credit score of over 30 points. This report of late payments is not accurate.
I am XXXX years old. I applied for a reverse mortgage with Wells Fargo Bank and they approved me. Shortly before closing they informed me they were getting out of the reverse mortgage business. I went on the open market and got approved again. Wells Fargo would not give a proper payoff amount and the reverse mortgage did not close. I applied and was approved by 2 other companies and again was not able to close due to a dispute over the amount owed.

I have applied for loan modifications on 8 times only to be denied. I have tried everything to save my home to no avail. I even sued Wells Fargo and the case went all the way to the U.S. Supreme Court, Washington, D.C. 
I simple want a reverse mortgage and to stay in my home. 
My loan # with Wells Fargo is XXXX.
I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.
XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded
As of XX/XX/XXXX, my bank account was overdrafted for the amount of {$78.00} by XXXX XXXX XXXX at the address of XXXX. XXXX XXXX XXXX, Illinois XXXX and I wish to file a complaint against XXXX XXXX XXXX because of this occurring with my bank account. I have documentation from their office with the {$310.00} that I supposedly owe to the XXXX  XXXX XXXX even though I advised the representative that they could not take money from my bank account until after XX/XX/XXXX. I have already filed a complaint with my bank and they are working on that end as well. I feel as though this collection agency XXXX XXXX XXXX leads former XXXX  XXXX XXXX Students astray with their demands for collection of money that is supposedly owed. This money should have been satisfied with my federal student loans by the college but they sent the funds back to the US Department of Education. I received the collections notice on XX/XX/XXXX stating that the XXXX  XXXX XXXX wants {$310.00} and I feel as though I do not owe them this money at all.
On XX/XX/XXXX and XX/XX/XXXX, I booked a flight for ( 14 ) people from XXXX to XXXX leaving on the morning of XX/XX/XXXX with XXXX XXXX. The charges were {$940.00} from XXXX, {$310.00} from XXXX, and {$240.00} from XXXX. The airline charges were then charged to my card in ( 12 ) {$100.00} increments and ( 2 ) {$120.00} increments by XXXX XXXX on the week of the XX/XX/XXXX. 

We were to spend a half day in XXXX, then a full day in XXXX, then another half day in XXXX, before heading back to XXXX on XX/XX/XXXX. I purchased the tickets and paid in full with my Chase Sapphire Preferred credit card. 

On XX/XX/XXXX, the airline sent emails saying all of the tickets were " Exchanged '', and the flights had been moved to XX/XX/XXXX, and the returning flight moved to the morning of XX/XX/XXXX. ( leaving about 8 hours from XXXX  to XXXX in XXXX XXXX. 

I contacted the airline, and have multiple emails trying to work out the problems. For 2 months they told me that they would give a full refund, that they were processing the refund, etc. and then cut off all communication. 

I contacted Chase in late XX/XX/XXXX and asked for a chargeback, as I had paid for the entire trip with my Chase credit card. Everything was moving correctly, I submitted the emails, XXXX refund policy, and the regulations on changes greater than 24 hours, and the agent on the phone said the chargeback was temporarily approved ( pending a final judgment ). They called back in about 30 minutes, however, and said that since my call was outside 6 months from the transaction date, no chargeback could be approved. 

I felt this was unfair a transaction should involve purchasing and then receiving what was purchased. These were not delays they substantially changed the trip I thought I was purchasing. 

I believe Chase markets their chargebacks as a protection against unfair business practices, and as such has a duty to protect against merchants that do not deliver what was purchased. 

Even further, XX/XX/XXXX ( the day the airline exchanged the tickets and changed the flights/dates ) should have been used as the transaction date, as the transaction had been significantly altered, and I was forced to accept new terms.
I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years later.
XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.
I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.
I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.
I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means.
I made a payment at Walmart through MoneyGram and it was supposed to be for an XXXX XXXX XXXX with XXXX # XXXX through the XXXX in the amount of {$70.00} that was applied to the creditor XXXX XXXX XXXX XXXX. 
I went back to Walmart and they said that I had to address the issue with MoneyGram and I did and they told me that they have to wait for XXXX XXXX XXXX XXXX to refund the money to them in order for them to put on the account that I requested initially.
I got an alert with this agency on XX/XX/2017. CBE Group is a debt collection agency. I have a debt of XXXX dollars. CBE Group opened the debt XX/XX/XXXX with XXXX. On XX/XX/XXXX XXXX and XXXX. I moved around this time and have confirmation letter from the post office. The mail could have crossed in the mail, if CBE Group used standard mail, I wouldn't have gotten it anyway according to post office. Anyway I never received any correspondence or a letter stating that I owed this bill. I don't even know the account number. If I don't know the account number and CBE Group letter or bill, how would I know to even pay. I also printed the hassle free resolution, so you can look at an option to pay. Once again I don't know account number, but it says you can by social security lookup, I am not doing that over the internet.
I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.
I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Experian, XXXX, and XXXX  is reporting accounts that do not belong to me. History reports late payments.
I have submitted the attached documentation to the credit bureau and they will not delete this account from credit report. They have on more than XXXX occasion send a report and stated that the item remains.