WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with Bank of America for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Bank of America is hurting there small business customers to hit their quota.
Baker Recovery Service issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!
The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.
Stonegate Mortgage claimed that we did not have appropriate insurance ( although we do ) and placed a grossly overpriced penalty insurance policy on our account, took all the money from our escrow account, and promptly sold loan servicing rights. We have electronic email records showing how many times we tried contacting them, and they did not respond a single time. My family has been defrauded by Stonegate.
XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX as it is reporting accurately. Please do not delete my XX/XX/XXXX XXXX account as it is not being disputed.
in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. 
XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. 
placed it in my Garage, called XXXX for replacement with no luck. 
in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. 
he plugged it in & fix the issue. 
few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. 
I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. 
I did not get a credit for my empty bottles and also for the full bottle was with the cooler. 
XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. 
collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.
I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.
In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here.
I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX. 
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX. 
Any advise would be appreciated. 
Thanks!
Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
In XXXX 2015, I opened a bank of america checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Bank of America. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Bank of America. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes.
Transunion was incorrectly reporting that I was late on payment for my HELOC account. I have never missed or been late on a payment for this account and the balance is currently {$0.00}. I disputed the issue with Transunion and my score was corrected. However, the issue reoccurred the next month. I disputed the issue again with Transunion and they have done nothing to correct the issue this time. How many times should I have to ask them to fix this?
Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed them.
My information may have been included in the Equifax security breach. Additionally, I have heard news ( although this may be rumor ) that their website for checking to see if you are affected ( https : //www.equifaxsecurity2017.com/XXXX ) is providing randomly generated answers. Either way, Equifax 's security is not up to standards and should be improved. Additionally, their service for monitoring they encourage you to sign up for includes forfeiting your write to sue, and this is ridiculous. If they were really looking out for customers this language would not be included.
I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.
I live in XXXX, Fl our city was affected by the hurricane Irma, my mortgage company Mr Cooper offered us a program of no mortgage payment for up to 6 months without any repercussion and now they tell me that I have {$10000.00} that I have to pay or make a modification for the accumulated payments, I feel deceived and frustrated because they did not explain this they offered a fictitious program because they did not have any program, they decided the program in XX/XX/XXXX 3 months after the hurricane, after they deceived with their supposed help to thousands of people, as dare to play like this with people we are always citizens who lose out with our pocket we are never protected by anyone they are scammers. 

Excuse my frustration
Claims loan entered repayment in XXXX 2014, yet under the terms of the note, the loan has not entered repayment status.
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.US XXXXXXXX XXXX NJ XXXX All four of these accounts are on my experian credit report and do not belong to me this is a mixed file
XXXX was repossessed on XX/XX/2017 after making a payment. I did not receive anything about the repossession or how to get my vehicle back. When I called they lied and told me the vehicle was sold for {$100.00} and I still owe {$3000.00}. There is no record of sale, no documentation, and I believe they took my vehicle and kept it. I continue to ask for paperwork and to have them remove the balance owed from my credit report because they took the vehicle and did not see it.
I payed three payments of XXXX to student loan XXXX to a XXXX XXXX XXXX   and a XXXX XXXX this is a student loan forgiveness program they consolidated my loans when I contacted XXXX XXXX who I found on my credit report said that I could of done this for free the money I gave to them did not even go toward my loan they are trying to get one more payment of XXXX from me Im not sure if this company is legit
LEXISNEXIS FAIL TO FURNISH CREDIT PROFILE, AND IS REPORTING FALSE INFORMATION DAMAGING MY CHANCES OF EMPLOYMENT!
To whom it may concern, On Saturday, XX/XX/XXXX, approximately XXXX XXXX   Central Standard Time, I visited the Capital One branch located at XXXX XXXX XXXX, XXXX, TX XXXX. Due to technical issues, the branch employees were unable to pull my account information for an auto loan payoff transaction. One of the bankers was out in the main lobby with her laptop attempting to verify customer information and proceeded to ask for my personal information to assist. She asked me to verify my last name, address, and social security number out loud. I proceeded to verify verbally in a hushed tone, however, she loudly repeated my responses of my personal information to verify accuracy while there were other people in the vicinity and including the person that was with me buying my vehicle by paying off my auto loan. This is a clear and blatant breach of my privacy and my personal information. The person with me buying my vehicle heard her clearly and could easily recall my personal details after the fact. This banker completely disregarded and violated my privacy while being aware that we were in the middle of a busy lobby with people only a few feet away from each other that could listen in on her repeating my personal information out loud. Not only is this unprofessional behavior, it is unethical and illegal. 

1. I want to know if bankers conducting verification of customers personal information by repeating this information out loud is standard procedure at Capital One. 
2. What remedies are available to me now that my personal information has been compromised by Capital One? 
3. What actions will Capital One take to mitigate this failure to protect my privacy and undoubtedly the privacy of other customers? 

Additionally, based on the response by Capital One, I will consider legal remedies to my loss of privacy due to the negligence exhibited by this capital one employee. I also feel that the local public needs to be aware of these practices as they are risking their private personal information by conducting business at this branch with Capital One.
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.
I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.
I was a victim of identity theft and noticed a collection from MEDICAL DATA SYSTEMS INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MEDICAL DATA SYSTEMS INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the Experian site and asked for a credit freeze. I could only get one if I paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. Experian had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called Experian and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with XXXX. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called XXXX, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all
To whom it  may con cern,  XXXX   XXXX ,  2017    I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017    and they completed the request on  XXXX   XXXX ,    2017. T he request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which w as Inquires are a f actual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 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 3 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 and potentially a business 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 complaint 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  In  best regards,  XXXX   XXXX
I do not owe XXXX XXXX {$300.00} or any other. This account has been closed charged off.