WillisBack/dataset-financial-user-claim huggingface dataset:
In typical fashion for BOA, when I called it today about a fraudulent charge on my mastercard, it  subjected me to its usual stream of meaningless recorded messages, long wait times, refused to credit my credit card, then hung up the phone on me. BOA clearly displaces the cost of complying with regulations intended to provide an even playing field for credit card issuers onto its customers to avoid the costs of a reasonable credit card operation that does not duck, weave and generally evade any contact with its customers that it can. In habitually wasting customers time, it dissuades many from recording problems with it. 

On XX/XX/2018, a fraudulent charge for {$85.00} posted on my credit card that I sought credit for. BOA hung up the phone when I did so. XXXX XXXX XXXX XXXX claimed that it mailed me some lawn seed but has no proof of delivery for it since I did not receive it. In its typical idiotic fashion, BOA demanded that I provide proof of non-delivery, rather than requiring the merchant to provide proof of delivery. The CFPB needs to ensure that the burden of proof in such situations is not routinely placed onto customers but on merchants who seek to charge for merchandise that is never received. When I objected to BOAs idiocy of requiring proof for a non-event, it said the merchant had 15 days to get something to me. Yet the merchant had already claimed that I received it. So this is another stroke of  brilliance and bad faith from BOA by which it prolongs the period of time it must issue credits to customers and enhances its own cash flows on the backs of its abused customers who are forced to have their time wasted and credits delayed by its hostile policies. 

As more proof that BOA evades contact with its customers, the contact phone numbers on the back of my card are scarcely legible. They are extremely small and use white typeface against a light grey background.
Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!
Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct this.
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date XXXX thats the case this is impossible
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE.
My name is XXXX XXXX My Account number XXXX,XXXX,XXXX,XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX experian are using unfairl pratices to ftc vilation and fair credit report act an hippa
On XX/XX/XXXX I received an adverse action notice that denied my employment with XXXX due to my background check. I have been a XXXX for XXXX since XX/XX/XXXX. At that time my pre employment background check was ran and came back clear. XXXX uses a third party background check company named Checkr. Checkr reported outdated background check information to XXXX on my behalf. My criminal background is from XX/XX/XXXX where XXXX XXXX   requirements states that there must not be any criminal record within the last seven years. I have tried contacting both XXXX and Checkr regarding this issue and both companies keep directing me back to the other. I would like checkr to report my criminal background history per companys policies since they are the background check provider for numerous companies. If my background is from XX/XX/XXXX and the company only requires to go back 7 years checkr shouldnt be reporting information that surpasses the 7 year guidelines especially since checkr gave me a clear background check upon employment with XXXX.
XX/XX/2018 XXXX XX/XX/XXXX # XXXX BAL INQ XXXX XXXX XXXX- {$2.00} XX/XX/2018 XXXX- {$4.00} XX/XX/2018 XXXX- {$16.00} XX/XX/2018 XXXX- {$12.00} XX/XX/2018 XXXX- {$0.00} XX/XX/2018 XXXX XXXX  Withdrawal fee- {$2.00} XX/XX/2018 XXXX XXXX   Withdrawal- {$100.00} XX/XX/2018 XXXX Withdrawal fee- {$2.00}XX/XX/2018XXXX-XXXX Withdrawal- {$120.00} I called the bank to make them aware that my new card and pin had been stolen out of my purse, by who Im unaware ... I dispute the charges in a timely manner, canceled my card and they still denied my dispute. I even explained my hardship to Bank of America saying I cant afford to loose anything. I was still denied ... I would like something done about this please
Navient claims to have disbursed more money to my University, than my University actually received. Additionally, Navient credited my account for payments that I made, and then reversed the payment. I have contacted Navient customer service, but their representatives tell me that they can not figure out what is going on. I was told that they would send the information to their superiors, and someone would contact me but no one has contacted me to resolve the matter. Every time I call to check on the status of my complaint, I go through the same process of explaining my problem, then I 'm told someone will contact me ... no one ever does.
IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
Our loan was sold by XXXX to XXXXLoan Care after being with them over a year. Our mortgage payment is going up considerably because our property taxes went up, so there is a shortage in our escrow account after being sold. We would like to handle our own escrow account so our monthly mortgage payment does not go up so much that is becomes unaffordable. The issue is that by law the mortgage company is allowed to collect more than they need in order to have a reserve, which impacts our monthly mortgage payment. By managing our own escrow account we can just continue to pay enough to cover the taxes and homeowners insurance. The other issue is that we can never get through to anyone that can make a decisiion in the Escalation Department and Customer Service will not give us a direct number. My wife has been calling and sitting on hold for hours and than will get conflicting information on their policy. It seems like they just want to run out the clock since we either have to give them a lump sum by our XXXX 2016 payment or pay the new monthly payment which is {$300.00} more than we we have been paying.
XXXX has been paying my insurance and i am not sure how these medical bills went to collection in the first place. I called the hospital and said that XXXX should have paid and they said they would not send to collections. I do not remember who i spoke to though.
I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.
I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already theXX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them lastXX/XX/XXXX and what I sent them again today XX/XX/XXXX( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX  ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. 

Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
in XX/XX/2018 I disputed a account with Transunion, and XXXX, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, Transunion and XXXX your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.
I have private student loans which are now owed to XXXX XXXX XXXX. These loans were initially taken out through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. An XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was done XX/XX/XXXX. There were a total of 5 private student loans were requested and Promissory Notes were signed for the same : ( 1 ) XXXX XXXX XXXX # 1 : {$15000.00} requested XX/XX/XXXX ; ( 2 ) XXXX XXXX XXXX # 2 : {$4000.00} requested XX/XX/XXXX ; ( 3 ) XXXX XXXX XXXX # 3 : {$6500.00} requested XX/XX/XXXX ; ( 4 ) XXXX XXXX XXXX # 4 : {$10000.00} requested XX/XX/XXXX ; and ( 5 ) XXXX XXXX XXXX # 5 : {$5000.00} was request XX/XX/XXXX but XXXX XXXX {$1200.00}. On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX by XXXX XXXX XXXXXXXX XXXX against me XXXX XXXX, Case No. XXXX. I offered to pay {$100.00} per month, which is what I could do since working part-time due to illness, XXXX wanted {$500.00} per month. I declared XXXX XXXX Bankruptcy on XX/XX/XXXX which stayed the case until XX/XX/XXXX and to which I have made payments of {$120.00} per month. In the Court case, XXXX claimed I owe : 1st : {$42000.00} plus interest {$40000.00} interest plus XXXX % per annum from XX/XX/XXXX + Atty. Fees ; 2nd : {$42000.00} + interest XXXX % per annum from XX/XX/XXXX ; As to 3rd & 4th Causes of Action : {$42000.00} + interest at the rate of XXXX % per annum from XX/XX/XXXX ; and costs of suit. Yet, to date I have not received a breakdown as to what is actually owed despite numerous requests for the same. My XXXX XXXX XXXX Case Summary states that Status : Deemed Complete ( no Remand from Federal Court ) XX/XX/XXXX ; and I'm not sure exactly what this means. The rate of interest for these loans is calculated as : " The Variable Rate is equal to the Current Index, plus ( a ) XXXX % per annum during the Interim Period, and ( b ) XXXX % per annum during the Repayment Period, but in no event more than the maximum rate allowable under applicable law. The Variable Rate will change quarterly on the first day of each XXXX, XXXX, XXXX and XXXX ( the " Change Dates ( s ) '' ) if the Current Index changes, and at the commencement of the Repayment Period. The " Current Index '' for any ca! endar quarter beginning on a Change Date ( or for any shorter Date ) is the most recent index as of the Change Date. The Index is the average bond equivalent rate of the final auction for 91-day United States Treasury Bills during the prior quarter. ( The bond equivalent rate of the weekly auction average United States Treasury Bill is established by the Federal Reserve Board in Statistical Release H.15 ( 519 ) under the designation 'Auction Average ( investment ) -3 month. ' ) If the Index is no longer available, you will choose a comparable substitute. '' I have attempted to find this rate to make my own accounting but to date I have not been able to find anyone who understands this interest rate as quoted. Please help me. Sincerely, XXXX XXXX
On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.
Prime business LLC located in XXXX ca, ( XXXX ) XXXXcollected a debt from a bank account that I had. I sold a car to a couple and they paid me with a bad check come to find out 6 months later as the check was returned. My account was then closed and forwarded over to a debt collecting agency. The woman at the agency did not agree to payment arrangements after I explained that I was in the process of buying a home and could not afford for anything negative on my credit file. She told me that she could not do payment arrangements and that she was going to report the balance to the credit bureaus to hurt my credit and that she did. Since she has reported to the credit bureaus she also has been adding interest fees. I do not feel I am responsible to any interest fees because I did not sign or agree to any fees nor was it told to me that interest would occur. I asked them to send me an email stating the balance and it was never sent to me. I called her to get to the bottom of this matter and see what options I had to take the negative reporting balance off of my credit and all she did was threaten me that they will do whatever it takes to get the money from me and hung up the phone. Since then she is deliberately trying to damage my credit.
I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.
I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. 

Please remove it from my credit history.