WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2018, I saw an online promotional offer by Bank of America. The offer stated that it was for : New customers only, opening a new Bank account, online, checking and/or savings, and to receive a certain bonus amount. I proceeded to complete its online application with the intent to open a new bank account, as a new customer, to receive that bonus offer ( {$100.00} ). My application was accepted, a New Bank of America Bank Account was opened ( XXXX ), as well as a Debit Card issued. I received a Confirmation Number of ( XXXX ). Approximately 5 business days later, I did receive a new debit card and new account number in the mail. The particular account I chose to open had a Promotion as follows : I must open the account online, make a deposit of at least {$25.00}, and link two ( 2 ) automatic deposits ( minimum of {$250.00} every 30 days ), and must be established within ninety ( 90 ) days of opening the account. On or about XX/XX/2018, I went to deposit {$100.00} into my new account, but the teller said my new online account was closed by the bank. No reason given. During the next several weeks, I called the bank 's 800 number ( s )  trying to find out what happened. No one could help, my issue had to be " escalated '' to a higher power, with the promise I would be contacted with 72 hours. I received no contact. Completely frustrated. Finally, on XX/XX/2018, I was able to " make an appointment '' to speak directly to a representative at a local branch of the bank. After discussing the issue with the bank manager, he indicated that, if I opened a new account ( using my original confirmation number ), there should be no problem linking the Bonus Offer to said account. I asked if they could see why my online account was closed. They had no idea. So I deposited {$100.00} that day. I was told to continue to wait the full 90 days ( XX/XX/2018 ) for the Bonus to be deposited into my account. To that end, on XX/XX/2018, my direct deposit was established and continues to this day, completing my list of tasks to meet the bank 's requirements for the bonus offer. Now, five ( 5 ) months later, I am still waiting to receive the bonus promised by Bank of America. In fact, the many calls I have made during these past months ... being put on hold, stating my case to representative after representative, were not noted in the bank 's system, although each representative claimed they were typing notes to help document my case. I finally asked for and kept one reference number XXXX ( XXXX XXXX, who said she stated my case in writing in the computer, and to call back after XX/XX/XXXX if I hadn't received my {$100.00} bonus. No bonus forthcoming. So, again, I contacted Bank of America Rep, who said she saw " no notes in the system about my issue '' and she could do nothing but " Escalate the Problem '' again. Shameful ...
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.
I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.
XXXX XXXX XXXX is NOT reporting the correct dates, balances or statuses of this account correctly.
Dear CFPB, I am writing to you because my mortgage company is refusing to help me keep my home, I requested for help and my mortgage company told me that they were going to review my account for a loan modification under the home affordable modification tier 2. 
Now after 4 months waiting for a decision, my mortgage company told me that the investor reviewed my account and due to my back ground it is not on their best interest to help me keep my home. 
I recently received a denial letter however I called them I told them I did n't agreed with their decision. so they told me they will not help me appeal the decision since this is the investors decision. 

Please help me since all im looking is to keep my home.
In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.
Received a phone call from " XXXX '' with diversified Consultants asking me to pay a XXXX bill of over {$1000.00} that went delinquent last year. I informed him that I haven't had XXXX for 7-8 years and he hung up on me.

I then called back and was told that since I said tat they had a wrong number they won't be calling back. I stated that if there were an account in my name I wanted to know where it was located and they then asked for the address. I said that I wasn't providing that information and wanted to speak to a manager.

I was then placed on hold and " XXXX '' ( a different voice ) said that he was the supervisor and that sine i wouldn't provide an address and had told them they had a wrong number they would put me on a do not call list. I expressed several times that i wanted the address and was told that since I stated they had a wrong number they would be providing me someone else 's information and they weren't going to do that.
Tidewater Financial has charged wrong fees. Continues to report incorrect due on credit. I owe them XXXX but they continue to report it as owing XXXX I pay every month yet they continue to report late. I am sick of it. They added XXXX to loan that was not explained when I got the couch. I am livid all my other accounts besides this one is on time. They lie and do not respond. They harass with emails but then do not respond when I reply. They lock me out of the online account every month.
We have submitted a Loan Modification Request on XX/XX/2016 clearly more than 7 days prior to the sale date of XX/XX/XXXX in compliance with Rule 3.3. However. the lender, Wells Fargo, has not postponed the sale date or even put the file in review as of XX/XX/2016.
I am new to united states and last year in XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with verve & surge ( XXXX XXXX XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( Transunion / XXXX & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called Transunion / XXXX & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with Transunion as XXXX & XXXX  always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed financial institution as a Branch Banker and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan  payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Someone else name and credit is showing up on my credit. My name is XXXX The other party name XXXX. There is an account XXXX showing up that is not mine.
My Husband is XXXX and receives ssa he has to pay medication and doctors appointments out of pocket we appled for hardship XXXX discharge they were garnishing his XXXX they ask for documents I sent them in and now they are saying they need more doctors papers after telling me they didnt Nelnet said its not them XXXX XXXX said call Nelnet and we our suffering right now
On XX/XX/18 I sent a dispute to the Experian at XXXX  XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX   XXXX XXXX in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.
I 'm having lots of problems with discovercard. I file complaints with the cfpb.gov, they respond saying it 's all been found in my favor and I should receive my money back for those unauthorized transactions but in fact my balance and the dispute outcomes remain unchanged. These charges I have no knowledge of are now 6 months old without my being reimbursed. They periodically reverse their dispute decisions not in my favor and that is inexplicable. I do n't want my discovercard online account to say anywhere on it that a dispute was n't found in my favor. I 'm at least {$2400.00} light at the moment I would like to be spending that.
XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.
Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans
Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. 

They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. 

Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?
National Recovery called my cell, my mother 's house and my sister 's cell all around XXXX central standard time.
1.CHASE CHECKING XXXX VIOLATED CONTRACT WITH XXXX XXXX BY CHARGING {$68.00} FOR TWO {$34.00} OVERLIMIT FEES. 

; ; ; ; ; ; ; 2.CHASE CHARGED {$34.00} OVER LIMIT FEE FOR AN ACH CHARGE TO PAY XXXX A BILL PAY. THIS IS NOT PERMITTED UNDER CONTRACT. 
; ; ; ; ; ; ; ; ; ; ; 3.WHEN THERE IS NOT ENOUGH MONEY FOR CHASE CHECKING TO PAY A BILL PAY, FUNDING FAILED SHOULD APPEAR NOT A {$34.00} OVER LIMIT FEE. 
; ; ; ; ; ; ; ; ; ; ; ; 4. XXXX XXXX REQUIRES CHASE TO CREDIT BACK {$64.00} IN OVERLIMIT FEES IMMEDIATELY OR HE WILL SUE CHASE IN SMALL CLAIMS COURT. 
; ; ; ; ; ; ; ; ; ; ; ; ; ; ; 5.XXXX XXXX WANTS THE MONEY BACK RIGHT NOW AND PERMANENTLY NO MORE EXCUSES OR DELAYS. ACH IS NEVER A REASON TO CHARGE OVER LIMIT FEE AND CHASE KNOWS THIS. 
; ; ; ; ; ; ; ; ; ; ; 6. SECOND PROBLEM IS CHASE PROMISED FREE CREDIT SCORE, BUT, OF COURSE, AS TO BE EXPECTED WITH THE BANK THAT SCOUNDREL XXXX XXXX FOUNDED, I NEVER GOT THE CREDIT SCORE. CHASE DISCRIMINATES AGAINST USERS WHO DO NOT HAVE CELL PHONES.
; ; ; ; ; ; ; ; ; ; ; 7.GIVE ME THE {$64.00} BACK PERMANENTLY NOW AND GIVE ME MY CREDIT SCORE RIGHT NOW AND SEND YOUR ANSWER BY USPS POSTAL MAIL AS WELL AS BY ELECTRONIC. 
; ; ; ; ; ; ; ; ; 8.NO MORE EXCUSES FOR FAILING TO ABIDE BY CONTRACT WHICH CLEARLY STATES BILL PAY CAN NEVER BE THE REASON FOR CHARGING ME OVER THE LIMIT. CHASE WAS SUPPOSED TO PAY XXXX BY BILL PAY  BUT NEVER DID.
When I refinanced my mortgage loan I paid a heavy price through the high interest rate and the inflexibility of my mortgage servicer. I never understood why Wells Fargo did not modify my loan until I read articles about how Wells Fargo has lost homes due to failures in their loss mitigation process and now it all made sense. I trudged along struggling to make my payments, but years down the road I lost my job and it was impossible for me to keep up with the mortgage payments. I reached out to Wells Fargo for assistance, but they have not assisted me with my mortgage and now my loan is in default and is in foreclosure. I used a non-profit company, XXXX, to compel Wells Fargo to get me back on track, but after six months, Wells Fargo dropped the ball with them and I am now further behind. Wells Fargo just can not get it right due to their poor communication and inflexible process. Things have taken a really bad turn and I am afraid I will now lose my home through foreclosure as their agents proved they are utterly incapable of helping homeowners. I have never had a single point of contact and my mortgage has turned into a nightmare. My income is now better than ever and I can afford a reasonable mortgage payment if given the opportunity to save my home. It is inexcusable the way that they have treated me and I am hopeful that your agency can get them to the negotiation table in a fair and transparent process that will allow me to keep my home.
Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.
CHASE BANK is violating my privacy preferences. I have opted out of prescreen offers of credit at all the credit bureaus. I have opted out of receiving marketing material from companies that I do not do business with. For companies that I do business with I have selected all opt-out choices they make available. Do Not EVERYTHING me. CHASE continually sends me endless marketing materials and offers that I do not want them to receive. This indicates CHASE is not abiding by my privacy preferences. I would like them to stop sending me mail whether or not they use my name or " Our Neighbor '' I do not want to receive mail from this company. They are not checking the FTC do not solicit list, they are not checking the DMA opt-out database and they are not checking the credit bureau pre-screen opt out database. I want mail from this company to stop immediately.
I would like this case looked at again, this is completely wrong what XXXX XXXX XXXX has done. 

I had a Home Equity line of credit, with XXXX XXXX XXXX, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low 600s OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the EQUIFAX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINEXX/XX/XXXX ANDXX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO XXXX XXXX XXXX WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.