WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is where I have banked for twenty years. They changed to XXXX XXXX. I banked on line for years with Bank of America and decided to do the same with XXXX since all of my online banking information was transferred as well. I paid all of my bills on line for a few months and had no problems. I paid my XXXX 2015 mortgage payment in XX/XX/XXXX to Bank of America along with all of my other accounts. When I went to pay XX/XX/XXXX 's payment in XX/XX/XXXX, I realized XX/XX/XXXX was not paid. When I called Bank of America they said they only received a dollar in XX/XX/XXXX. I asked Bank of America why they had not called me. I had paid them faithfully for nine years why not call when they did not receive a payment. I could have contacted XXXX XXXX right then. They stated that they had called me at work and left a message on my machine. They did not call my cell, nor did they call me at work. I do not have an answering machine at work. I work XXXX plus hours a week, I 'm the XXXX XXXX and would have known if they had called. I called Bank of America several times this week trying to get my account corrected and the last time I called and asked the very same question to the customer service gentleman, he told me that no numbers were called. They just sent my information to a debt consolidation firm. So I never received a past due letter or phone call. I was very concerned that this would show on my credit report but more importantly my mothers as she has co signed on my house. I paid two payments immediately on line to get my account straight and one by phone. One of my payments on line did not get posted, when I called Home trust they stated that they notified businesses that account numbers would change. He stated that his day is spent answering compliants such as this. My mortgage was kicked back on one of the payments but not both of them done on the same day with the same bill pay account number. Every time I called Home trust they confirmed that the payment was taken from the account they did not understand why Bank of America did not receive it. I paid three times and only two payments were posted one from on line and one by phone. I am trying to build my credit. XXXX XXXX and Bank of America have now destroyed it. This knocked my score down XXXX points and my mother is a cosigner. This is not fair to her. Since XXXX XXXX took over my account, my debit card has not worked at the grocery store. The " available '' balances are not correct. I deposited a check for XXXX XXXX it showed this amount in my available balance but then kicked a payment to a credit card back. I have since changed banks and will not ever have this issue with XXXX XXXX. I do not feel that this should be on my credit report. I was not thirty plus days late on my mortgage payment and do not feel that any of the credit bureaus should reflect this. Please help me resolve this.
On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau Trans Union, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
On XX/XX/2018 I received a notice from this agency regarding a debt I have no record of. I sent a certified letter requesting the validation of the debt on this date. I never received any notification in writing from this company as to proving the debt owed. I sent a follow up request via certified mail XX/XX/2018 again asking for the validation sent in writing to the address provided and also advised this company I am a victim of ID theft and have filed a notification with the FTC and also asked that the debt be disputed. I have now received a notification that this third party agency erroneously reported this debt to my credit report which is a direct violation of my consumer rights. I have not received any paperwork proving this debt is mine. This needs to be removed from my credit until paperwork is sent to me to validate this account is mine. I have begun to pursue legal action as I have done my part as a consumer to get this account handled under the word of the law and regulations.
I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by the above referenced company. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This company has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 

I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. 

The credit bureaus will not investigate this claim saying that it is a 'matter of record '. This company refuses to provide me a copy of the signed application, the date it was signed and that I agreed to terms and conditions.
This is my 2nd CFPB complaint for the very same problem. 
My prior complaint XXXX was closed with a promise of a full resolution by the company representative XXXX with Ref XXXX. 
The request has just gone to dust and Google still doesn't respond to any of my email. 

Description of the problem : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have purchased Google XXXX  Gift cards worth {$2000.00} from XXXX XXXX in XX/XX/XXXX with an intention of buying Google Devices from the XXXX website. I called the Google XXXX Customer service and they informed us that I can not use XXXX XXXX credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. So, right after we gave the gift card information, they have limited my access to our account " XXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the XXXX customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. Since XX/XX/XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google  XXXX, Google Wallet and Google Commerce requesting for reinstating my account so that the Google XXXX could refund my money. For over 15 months until XX/XX/XXXX, all I was being told is my Google Wallet account has been closed and Google XXXX being linked internally to Google Wallet, I can not use my Google XXXX funds. I don't really care for the Google wallet and all I requested was to refund my money. I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XX/XX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. I would appreciate all your help in this regard. 

Thanks, XXXX
On XX/XX/2018, I sent XXXX XXXX, a cease and desist letter by certified mail that was signed on XX/XX/2018. 

On XX/XX/2018, I sent XXXX XXXX another letter via certified mail that was signed on XX/XX/2018. 

To date, XXXX XXXX is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence
On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.
I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and TCF I am so lost at this moment because I never even had a account XXXX would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
I never had XXXX XXXX or XXXX ; the creditor who claims I owe {$460.00} and have reported to my credit as a collection. I disputed with credit bureaus in XX/XX/2017 and the result came back verified as accurate. Please help remove these items from my credit report. I don't know how the result came back verified-accurate being that I have never had any service with the creditor.
We owe no debt but have been getting robocalls attempting to collect debt from ( no name provided ) at my cell phone number. I cant report them to the FTC because apparently anyone pretending to be collecting a debt doesnt have to abide by the Do Not Call list, even if the debt is imaginary. The call on XX/XX/XXXX at XXXX came from XXXX ( XXXX ) XXXX.
I paid a judgment XXXX from beneficial finance served by XXXX and XXXX. this was the amount specified on he judgement from XX/XX/2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
I have been XXXX since XX/XX/XXXX, and purchased my home after my divorce in XX/XX/XXXX. Due to special needs and ongoing medical expenses, I knew my mortgage payment was more that I could afford, so I contacted Bank of America to see what we could do. They sent me forms by fedex, and I filled them out, but I could never get past that point and reaching the person handling the service on my loan was a series of phone tag. I filed for Chapter XXXX in XX/XX/XXXX, but this did n't change my monthly outlay of expenses. In XX/XX/XXXX, I was approved for Social Security XXXX, but this caused my private XXXX company to stop paying my benefits. My income has been reduced by more than XXXX % since XXXX XXXX. I filed a consumer complaint about my mortgage, and Bank of America wanted me to file for the hardest hit fund first. I did this, was approved and gave Bank of America the same paperwork to rework my mortgage. I was given the email address of the person handling my loan and submitted documents requested, but the only response I received was a letter they were still waiting on missing documents and they closed my request. The hardest hit fund pays my home loan for 13 months from XXXX XXXX, but I will need my loan to be modified in order to keep my home. I believe I qualify and I need Bank of America to complete the process. I am a full-time single parent with XXXX. 
I do not have a XXXX or XXXX XXXX owned loan, which is where a lot of relief is. Mine is just a 30 year fixed FHA loan.
Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!
On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.
I RECEIVED A 4 SEPERATE LETTERS FROM SYNDICATED OFFICE SYSTEMS PAYMENT ADMINISTRATOR I HAD THE LETTERS BUT HOWEVER I MISPLACED THEM IN MY HOUSE AND BY THE TIME I FOUND THEM THEY HAD JUST EXPIRED SO I CALLED THE NUMBER THAT WAS ON THE LETTER AND THERE WAS A AUTOMATED SYSYTEM EXPLAINING WHAT TO DO IF YOU NEEDED A CHECK REPLACED SO I SPOKE TO A LIVE REPRESENTATIVE AND SHE PUT A REQUESTY TO HAVE THE CHECK REISSUED AND SAID IT WOULD TAKE 4 TO 6 WEEKS TO BE PROCESSED I CALLED NUMEROUS TIMES OVER THE COURSE OF THE WEEKS AND THEN I SPOKE TO A REPRESENATIVE NAME XXXX WHO SAID THAT THE CHECK WAS GOING TO MAIL OUT ON XXXX XXXX 2016 SEVERAL DAYS WENT BY I RECEIVED NOTHING IN THE MAIL SO I CALLED BACK SPOKE TO A SUPERVISOR NAME XXXX ON XX/XX/2016 WHO THEN STATED THAT MY CHECK HAD NOT GONE OUT BUT THAT IT WOULD FOR SURE GO OUT SOMETIME IN XXXX BUT HE DONHT HAVE A DATE.SO I CALLED BACK THE VERY NEXT DAY AND SPOKE TO ANOTHER SUPERVISOR NAME XXXX AND SHE STATED THAT THE CHECKS HAD NOT GONE OUT AND THAT SHE WAS GON NA GET MORE INFORMATION AND CALL ME BACK WHICH SHE NEVER DID SO I CALLED HER BACK LATER AND THEN SHE STATED THAT SHE SPOKE TO THE PROJECT MANAGER AND THEY WERE SAYING THAT THERE WAS A POSSIBILITY THAT THEY WERE NOT GOIN G TO REISSUE ANY CHECKS AND THAT WHEN SHE FINDS OUT FOR SURE SHE WILL LET ME KNOW HOWEVER I AM ENTITLED TO THE CHECK AND THEY NEED TO BE REISSUED AND SENT TO ME.THIS COMPANY IS GIVING ME THE RUN AROUND.
I 'm a victim of Identity theft and I need the documents that were held with TEM Capital in reference to FILE # XXXX. I called several times in the past and got no cooperation at all. Those documents that are on file with TEM Capital is needed for me to fix financial life, and move on. I want everything that TEM CAPITAL HAVE ON RECORD FOR MY CASE FILE. EVERYTHING. I WAS WRONGFULLY ISSUED A JUDGEMENT ON XX/XX/XXXX FOR THE AMOUNT OF + {$27000.00} AND ON XX/XX/XXXX IT WAS DISMISSED DUE TO NEW EVIDENCE. NOW I NEED ALL THOSE DOCUMENTS THAT ARE IN THE COMPUTER SYSTEM. EVERYTHING. I NEED THOSE RECORDS FOR XXXX XXXX.
Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. 

XXXX Collection agency name : AFNI. 
Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. 

XXXX COLLECTION AGENCY NAME.XXXX FL | XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. 

Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. 

Thanks, XXXX
I get phone calls every 30 minutes to an hour from the same company using different state numbers. For instance it will call from Virginia then Florida then XXXX then New York etc to my cell phone, my husbands phone and our home phone. I have previoudly asked them to stop calling as They call more then 10 times per day from XXXX XXXX up until XXXXXXXX XXXX  pacific time.
*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.
I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.
Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND HAVE BEEN DENIED TWICE. THE REASON FOR DENIAL IS DUE TO INCOME, WHEN I GO OVER INCOME WITH MY SERVICER CHASE THEY INFORM ME THAT THE ONLY HOUSEHOLD INCOME IS MY INCOME. I HAVE A FIANCE THAT LIVES IN THE PROPERTY AND CONTRIBUTES WHICH I HAVE PROVIDED PROOF OF HIS INCOME AND A CONTRIBUTION FORM. CHASE HAS NO CLUE OF GUIDELINES BECAUSE THEY ARE STATING THAT FHA HAS A NEW GUIDELINE THAT DOESNT ALLOW FOR CONTRIBUTION, THIS IS OUTRAGEOUS. I HAVE RESEARCH MY LOANS GUIDELINES AND FOUND THAT THEY DO IN FACT USE CONTRIBUTORS.