WillisBack/dataset-financial-user-claim huggingface dataset:
It seems like with every correspondence from Bank of America a new angle to XXXX consumers is revealed. In my latest correspondence and this has nothing to do with any of the other complaints so BOA can not state that this has already been addressed ... With this latest correspondence they state I owe them money but at the same time have placed {$700.00} in a 'unapplied funds ' account. You know what this means? It means they have taken and are holding, and using, and profiting from the use of my money. There is no reason in the world why they would or should not apply that money to my account except again, it 's a way to XXXX the consumer. They can state their logic but there is none and actually this is n't first time. A couple times they held money to later issue a check but without any interest to me. In fact when asked, they refused to apply the money to principle. The last time I checked, BOA or any bank does n't let you use their money without paying them interest and usually some fees so why do n't they pay consumers interest or better yet, apply extra funds towards principle on a loan but oh yeah, that means they make pennies less on the loan in the long run and that goes against everything modern day banking stands for!
I made a purchase at XXXX and had a disagreement with manager policy and called XXXXXXXX XXXX XXXXXXXX XXXX to get purchase freeze until I can return phone card back to them. 

The person in Departemnt which I asked to do refused saying this was the companies XXXX XXXX policy to so. 

so with this being the case I would like and investigation.
I initially sent a dispute as the info on my Equifax Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or XXXX party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XXXX/2016 not XXXX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XXXX 2016.. This items should be removed.
To Whom It May Concern : I was served with a lawsuit on Sunday, XX/XX/2018 by the law offices of XXXX XXXX XXXX, XXXX on behalf of Credit Acceptance. I contacted the law office the following Monday in hopes to settle the debt. They stated that they would mail me a financial statement to be returned to them. I asked the representative ( XXXX XXXX ) if they would cancel the hearing until we got this matter resolved. I also asked her would I still need to file an answer with the court with the 15 day period that was stated on the lawsuit and she told me no ( which was not true ). Had I not filed an answer they would have gotten a default judgement against me. Credit Acceptance declined my settlement offer of {$2300.00} and responded with a counteroffer of {$4700.00} on XX/XX/2018. I contacted Credit Acceptance on Monday, XX/XX/2018 to ensure that once the settlement amount is paid that ( 1 ) the lawsuit will be dropped and ( 2 ) this account will be reported to all three credit bureaus as settled in full with {$0.00} due. I have been told by multiple agents with Credit Acceptance that this account will report as settled with a balance of the difference of the total amount due. When an account is settled it is supposed to show a zero balance. I have asked to speak with someone in the credit reporting department and have gotten the runaround several times. I have asked to speak with supervisors and was told I could only leave voicemails because they do not accept calls. I am willing to settle this account for the requested amount but only if it is reported correctly on my credit report. If it is not reported with a zero balance then they can technically come back and sue me for the remaining balance which is not settling an account. Thank you in advance for looking into this matter.
I requested that XXXX XXXX provide me with validation that I owe THEM money. I also requested that they show copies of papers saying that I agreed to pay what they say I owe & I did not receive that information. I did however receive the documents that they claim are debt validation. But I am here to advise that the account summary from your computer database that was sent over does not validate that I owe them any money. I am requesting documents showing that I agreed to do business with THEM ( XXXX XXXX  ) and that the money is owed to XXXX XXXX. Please provide me with a signed contract that shows my signature agreeing to do business with XXXX XXXX. Furthermore according to the XXXX you can not collect on a charged off debt purchased from the original creditor. I want this information removed from my credit report immediately! 

I sent Convergent a certified letter asking for proof of the debt requesting copies of outstanding bills from XXXX, the original collector to which tally up to the amount of {$5300.00}. I would like an explanation and breakdown and most importantly ALL of the outstanding bills from XXXX, which justifies and shows the amount owed. Convergent only provided me with an account summary, which is useless to the information I requested. I have demanded to see how XXXX & Convergent, have calculated the amount owed of {$5300.00}, preferably through outstanding bills. Your company has found this debt to be valid however did not provide me with any justification, bills or unpaid balances reports of the valid or any of the information I requested in the certified letter which was sent and received by Convergent on XX/XX/XXXX. Pleased note again, I need to be provided with the outstanding bills from the original company, XXXX that lead up to the amount of {$5300.00}.
As a XXXX school student in XXXX, I took out a private student loan with my step-mother as a co-signer. I graduated with honors from XXXX ( XXXX, which closed its doors in XXXX ) in XXXX and worked as a XXXX for the next six years. In XXXX, I decided to pursue a degree in XXXX. I graduated XXXX from XXXX University, XXXX with a XXXX in XXXX in the XX/XX/XXXX with aspirations to work as an XXXX. Since graduating, employment has eluded me, and I worry that given the current government takeover by the Republican party few job openings within public service will be available. 

The years surrounding my attendance at XXXX were a brief period of reconciliation between my father and I. My father appeared to be supportive and offered to help me attend XXXX school, which it is important to note was contrasted by years of XXXX. At the time, I believed we could get past our history and XXXX. Although I have cut off communication with him, we seem to be eternally, financially linked because of this private student loan. 

Before returning to school in XXXX, I was able to pay off nearly half of the balance of the Signature student loan, but XXXX XXXX was never willing to assist me in removing the co-signer, my step-mother, from the loan agreement. In school deferment enabled me to return to school, but ran out in the middle of my senior year, XXXX XXXX. The last year has eaten up the last of my available forbearance, and I am now being threatened with default. Bear in mind that throughout the history of this loan whenever a payment was misallocated or late, or forbearance/deferment was applied to the wrong loan, XXXX XXXX, now Navient, called my estranged father and step-mother ; they do n't call me, they call my XXXX father, and then he calls me. It is crucial that you grasp the XXXX this poses to me. 

Finding myself in this current financial crisis is only exacerbated by the looming risk of regular, XXXX from my father. In a state of XXXX, I have spent the last few months trying to find any assistance or relief from this loan, however, Navient can offer me no path under my current financial situation ; I, essentially, do not qualify for any program offered by Navient that would go towards lowering payments, removing my co-signer, or delaying payments until my financial position improves. 

Nonetheless, I find myself encouraged by the recent lawsuit filed against Navient by the Consumer Financial Protection Bureau ( CFPB ) given that I believe many of the complaints in the lawsuit apply to my circumstance, but fear that the appointment of XXXX XXXX and the election of President XXXX may thwart those efforts and put my new federal loans in jeopardy of being on a similar tract. I see nothing in the way of a stable, financial future for myself if any or all of my student debt is sold to a private, third party not required to work with me on repayment, and I am relying on you and other like-minded politicians within the Federal Government to come up with an answer.
The living room and bedroom furniture was sold to me at extremely inflated prices! I called the company because XXXX and XXXX advertised that the taxes on the items would be paid by them. When I got my bill the prices on the furniture totaled over {$4000.00} which was ridiculously high! I called them and the stated that the furniture was fairly priced and they did not agree/advertise that the tax would be paid by them! I informed them that I had filed bankruptcy and gave them my lawyer 's name and numbers. I still continue to get threatening calls, emails and letters!
I 'm having a few problems. I first need hard copies of all three credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and Experian has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not. Experian has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
Ocwen mortgage company is denying me a loan modification based on their claim that I do n't live at my home at XXXX XXXX XXXX XXXX XXXX. Massachusetts. On XXXX XXXX, Ocwen received XXXX utility bills, a bank statement and a credit card statement with the correct address on those items as proof, yet I 've received nothing for over a month from them about this! I want to know why they are ( allowed ) to deny my request to modify my loan citing that I do n't live at my home as their reason to deny my loan! I live here at XXXX XXXX XXXX and this denial has been going on for over a year and a half now. I am looking have the foreclosure sale date of XXXX XXXX, extended to XXXX or XXXX XXXX.
I have an account on www.coinbase.com. 

On XXXX XXXX, 2017 I contacted coinbase.com support with the following observation : " I just noticed that {$2000.00} were withdrawn from my bank account and deposited to my coinbase USD wallet. I did not initiate this deposit. '' In response, rightly so, Coinbase assumed my account was hacked and they put a hold on my account. Shortly afterwards, I went through my old emails and found a confirmation email from Coinbase, of me initiating the {$2000.00} transfer. That jogged my memory that I did in fact had requested that transfer. It usually takes a few days for the actual funds to be retrieved from you bank account. And I just forgot about it during those few days. 

Realizing that there was nothing wrong and I simply acted prematurely in contacting Coinbase support, I responded to the email describing what happened and asked support what steps I can take to unlock my account. 

This is where the problem started. All communication stopped from Coinbase support, after that first email where they notified me that my account was being put on hold. Like all other customers I waited patiently for a few days but then started to get worried. Emailed support again. Tried to reach them on phone. Tried to reach on XXXX. Nothing worked and I am still locked out!
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, XXXX  and experian have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX XXXX deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.
Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue
XXXX   XXXX  I filed an complaint about ad astra about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sen t out 11 lett ers attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the trackin g on 5-12 thinking I should have received some type of information in the mail after 10 days. Turns o ut the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number ad astra has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
To who m it may co ncern, I mailed a Multipl e Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If y ou believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complain t due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I have spent many hours online following the directions to dispute inaccurate information on my Equifax credit report and on multiple occasions now when you get to the end and hit submit it tells you they're having problems identifying me and try ago later, or says you timed out, try again later, etc. There's always an excuse for them not to accept any disputes to their credit report, when in fact there are several. I never had any issue disputing discrepancies with XXXX, but Equifax makes it an impossibility
Since atleast XX/XX/XXXX, I have attempted to make a payment through various methods on Citibank 's website or over the phone and was not able to. The system would refuse to recognize my password and would not issue me a new one, nor was I able to make payments over the phone. I believe this is a tactic by the company to assess profitable fees for their company. <P/>The latest issue started aroundXX/XX/XXXX when company had sent me a new card card, causing problems with both my log in and phone support. On or around XX/XX/XXXX, When I would try to log into their website it would erroneously say the card was not activated, and direct me to do so. It would direct me to another website to register the card, which would appear as registered. On XX/XX/XXXX, I attempted to call Citibank various times to fix this issue and make a payment. In order to verify my account, they needed to send me a text to a phone number they had on file. Unfortunately the number they had on file was not one I had provided to them nor one I recognized. During this lapse, I was assessed a late fee which the company will not credit back to my account. This was not the first time this has happened with the company due to log in and phone support issues. over the last year, they have assessed me five late fees totaling {$170.00}. After my forth call to the customer support onXX/XX/XXXX, I was finally able to speak to someone who was able to help and I was finally able to make a payment. I requested the company waive the late fee of {$35.00} they assessed to my account, since the only reason I was not able to make a payment was because of errors with both their online system and their phone support. The company has declined the late fee waiver. Although I am contractually obliged to pay the late fee, the company must be aware of this issue, and I 'm concerned this may be a tactic they use to assess more late fees on unsuspecting card card holders. I would like for the company to refund me the late fee and give me assurances that they are working to address this log in and phone support issue.
I have been a card member of American Express since 1980. Most recently I had a Gold Card and received some marketing material in the mail. It contained an offer to upgrade to a Premier Rewards Gold Card. It said I would get double points if I upgrade. There was a phone number contained within the marketing materials and I called to inquire. I was told by the representative that it would be just like the Gold Card but with double and in some instances XXXX points. 

I inquired that by upgrading, would I have the same benefits and the answer was definitely yes. What was not told, was that XXXX of my benefits, specifically, Pay over Time features ( Extended Payment Option, Sign & Travel and Select and Pay Later ) would not carry over and that I had on my Gold Card for many years.. 

After the first couple of monthly statements of the XXXX XXXX Gold Card, I noticed that my Pay over Time features did not carry over to the new card. I called on several occasions and I was told that XXXX XXXX Gold Card is a new account and you have to be " invited '' to be eligible for the Pay over Time features. What I do n't understand is what happened to my 36 years of being a loyal customer American Express Card Member. 

In my opinion, the conversion of my Gold Card to the XXXX XXXX Gold Card is basically is a bait and switch. I was asked to upgrade, but I was never told I would lose my Pay over Time benefits. American Express is now collecting a higher annual fee from me and I am receiving fewer benefits. 

On another call that I made to follow up again about the Pay over Time features, again I was told that I have to be '' invited ''. I asked the represenative how do I get " invited and he and subsequently his supervisor could not tell me how. Do you think this is fair treatment of a XXXX loyal customer of American Express? 

In subsequent months I have lost points awarded to my account. I could go on but it is obvious to me that American Express does n't care about its members. My membership has no privileges. 

.
Several years ago I had a loan modification done on my home with Ocwen loan services LLC. Apart of that was a balloon payment at the end of the loan. It would be based on the value of the house at the time and the loan had a 6.875 percent interest rate. XX/XX/XXXX I decided to refinance my house hoping to reduce the interest rate. So i contacted my bank XXXX XXXX on XX/XX/2016- XXXX XXXX of XXXX XXXX Calif . They came by and did the appraisal of the house for XXXX XXXX. A couple of weeks later I was contacted by another appraiser wanting to appraise the house and asked who ordered the appraisal. I was told Ocwen. Since i was not contacted by Ocwen with their request i said no. I immediately contacted XXXX XXXX, they contacted Ocwen and offered to send them a copy of the XX/XX/2016 appraisal for their use.Ocwen agreed and have been sent the appraisal several times. Ocwen has used every excuse possible, from " they had not received it '' to " they needed it in color ''. Now their current excuse is that " the appraisal has expired ''. It is XX/XX/XXXX and this started in XX/XX/XXXX.