WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away in XXXX XXXX. Each of us had a personal bank account at Bank of America. Since his account had all the bill pay features set up including our mortgage thru BofA, I would transfer funds from my checking to his checking and pay bills that way. 

XXXX XXXX, I finally notified the mortgage Dept at BofA that he had passed away. They instantly froze his bank account that had {$210.00} in it. ( Even though I just called re : the mortgage ). 

Shortly after, I started the process of dealing with the estate/assumptions Dept. I sent them every document and filled out every form they sent to me. 

Approx. 15 months ago, I had to send them an affadavit of surviving spouse and have it notarized. On that paper, I asked them to send a check in the amount of {$210.00}. 

Next, they said I needed to fill out a form since the amount was under {$500.00}. NO ONE HAS EVER BEEN ABLE TO PROVIDE THIS FORM. Literally, when the letter came saying I needed to fill out this form, the document stated to fill out the enclosed form ; THERE WAS NO ENCLOSED FORM. 

I Called at least 3 times talking with the estate Dept asking them to send me this form that was referenced, but not included in the letter. Though each person assures me they will send it and apologize, NO FORM EVER COMES. 

Last week, I again called and spoke to the estate/assumptions Dept. I synopsized the story and asked if he could please review the account so that I can finally just be done with this. 

I also added that when my husband signed up for his bofa account in XXXX, I was sitting next to him and am positive I was listed as his beneficiary. 
I also added that if they look back on his account, they will see only transfers from my account to his. 
I even asked if I could just deposit one of his signed checks in that amount into my account, since getting this " form '' was impossible. 

The representative came back on the line and said they have everything they need except for something called next of kin whatever. I asked what the notarized affadavit was for since that states I am sole surviving spouse. Obviously, that makes me next of kin. He assured me they will send the form marked " urgent ''. It 's been over a week and no form has came in the mail. If history is of any consequence, THERE WILL BE NO FORM. 

I AM FURIOUS AND FRUSTRATED THAT IT APPEARS TO BE IMPOSSIBLE TO CLOSE MY LATE HUSBANDS ACCOUNT AND RECEIVE THE {$210.00}. 

NOT A XXXX DOLLARS ... 
JUST {$210.00}. 

THE BIGGEST MISTAKE I MADE WAS TO LEAVE $ IN HIS CHECKING WHEN I CALLED ABOUT THE MORTGAGE. 

IT IS CRUEL AND UNUSUAL PUNISHMENT BY BOFA TO CONTINUE TO FORCE ME TO JUMP THROUGH HOOPS TRYING TO SOLVE THIS ISSUE. EACH MONTH WHEN THE CHECKING STATEMENT COMES IN THE MAIL, I AM FILLED WITH RAGE AND DESPAIR.
On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.
Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.
On XX/XX/XXXX I sent a Goodwill letter to the CEO of Capital One asking for a late payment on XX/XX/XXXX to be forgiven. In this email I did explain my family had been impact by Hurricane Harvey and I had been traveling back and forth. I was so focused on my family at the time that my payment had slipped my mine. I was no more then 30days late. I was also having problems at the time with the app and being reminded through the app about my payment due date. I spoke with XXXX on XX/XX/XXXX and she advised me they had received my email and wanted to see what had happened at the time my payment was missed. I explained to her my story and she told me she would get back with me. On XX/XX/XXXXI spoke with XXXX again and she told me there was nothing Capital One could do to change how my XX/XX/XXXX payment was reporting to the Credit Breaus. I asked XXXX to relook into their decision. I also sent a Goodwill letter certified on XX/XX/XXXX.  I have been a valued customer of Capital One and this is my 1st missed payment. I also advised on the email that I am in the process of trying to get a mortgage and this one late  payment on my credit is affect me getting a mortgage.
There has been a collection account placed on my credit reports that I have no knowledge of. The account is listed as Enhanced Recovery Corp, Acct # XXXX. In or about XXXX 2014, I sent a letter to this company via the address provided on my credit reports. The letter was sent in request of validation of this debt according to my state laws - Texas Financial Code 392. As of today, it has been 60 days and the company has not provided any information that proves that this debt belongs to me. I have requested verification via the credit reporting agencies but have not been provided any information.
I signed a contract for a used car loan on XX/XX/XXXX, before leaving the dealership I asked if the deal was closed, both the managers and financial manager said yes. I left thinking everything was great. I get a call XX/XX/XXXX that the loan was not approved and I need to return the car. I contacted the bank and theyre telling me that the dealer is not accepting their terms. I asked the dealer and theyre said that the bank did not accept their terms. I have reason to believe that the dealer is pulling a yo-yo scam on me. Please help. That car is my only means of transportation for school and work and I can not just return it, especially since I signed a previous contact.
To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.
RE : Capital One breached our contract by refusing to replace my Capital one credit card, which was compromised as a result of fraud.

In XX/XX/XXXX I was rushed to the Hospital due to a life threatening illness. My XXXX XXXX XXXX and I was XXXX   XXXX. I was in the hospital for nearly 3 weeks, released but had to be rushed back less than 2 days later.

While I was in the Hospital, it seems my Capital One credit card was stolen and used between XX/XX/XXXX and XX/XX/XXXX. I was in NO CONDITION to be aware of this. My focus was to stay alive and a majority of the time I was no XXXX, due to all the XXXX.

My Capital One card clearly showed unusual activity compared to my typical useage. Capital Ones security which they advertise as the best in the business. Did not recognize all the unusual activity. But any person looking at the activity from XX/XX/XXXX -XX/XX/XXXX can clearly notice the spending pattern and payment pattern changes.

OnXX/XX/XXXX, as a direct result of the fraudulent activity Capital One closed my account permanently. All they state is a letter the was sent to me. If that letter was sent there it is very likely I did not receive it since I was in the Hospital and then in XXXX  for 6 weeks which ran throughXX/XX/XXXX.

In your correspondence, you also mentioned that you requested a replacement card. Our records show that your account was closed on XX/XX/XXXX, and we sent you a letter notifying you of the account closure. Additionally, we do not have any record of returned mail. Because your account is already closed, a replacement card will not be issued. Ive confirmed that this closure is permanent.

The above correspondence proves Capital One closed my account due to fraudulent activity and this directly contradicts our contract. I requested a replacement card per our contract and Capital One deliberately broke our contract by denying my request.There is nothing in our contract which state Capital One can or will permanently close my account due to fraudulent activity which I am not responsible for. Capital One admits the fraudulent activity which prompted the closure of my account was NOT my fault.

As a result I have no obligation to pay any balance remaining on the card which I believe to be around {$400.00} Please note, your account was closed because the returned payment activity on the account was not consistent with our expectations for account usage and not in line with the terms of the Capital One Customer Agreement. Our records indicate the following payments had been returned XX/XX/XXXX {$480.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$190.00} In Capital Ones response Dated XX/XX/XXXX, they admit The fraudulent payments on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXXare the reasons for permanently closing my account.

They also refer to other payments on XX/XX/XXXX, which if I am correct was also flagged as fraud in a previous complaint.
I graduated from XXXX at the University XXXX in XXXX, after finishing XXXX at the University XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
TransUnion had a computer glitch which caused inquiries to be deleted from my credit report and then later added back to my credit report without giving me the legally required notice 5 days prior to re-adding them. I contacted TransUnion in good-faith on XX/XX/XXXX and asked that they remove these inquiries. They did not remove them. These inquiries are a hardship and were illegally added again. My rights have been violated and I am being victimized by TransUnion. I am asking that you help me resolve this matter by requiring Transunion to remove all hard inquiries on my credit report from XXXX and XXXX.
Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!
In the XXXX of XXXX transunion had a computer glitch where many of majority of my inquires were deleted and some where down the line readded by transunion with out notifying me 5 days prior in writing telling me they will be back added. I contacted transunion in good faith to ask them to delete the inquires that they illegally readded. I talk to a non-US rep. By the name of XXXX XXXX I asked to be transferred to a U.S rep. He said he could n't do so " the U.S department does n't handle the deleting of inquires '' ( XX/XX/XXXX @ XXXX Eastern ) these inquires add a hardship to my later in the year goals of buying a house and my rights were violated by transunion. Can the CFPB please help transunion to stop victimizing me.
I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.
on XXXX I received a promo email from XXXX XXXX so on XXXX I called XXXX to inquire about deals they had for me as a long time XXXX XXXX XXXX customer. The lady verbally stated offers that conflicted from what their website showed. I told her it sounded like a scam. she asked for my SS # to run a credit check. I told her I would not allow her to run a credit check and was only inquiring about what deals they had. She asked for my drivers license #, once again I told her I would not allow her to run a credit check and there should be no need anyway if she was indeed XXXX XXXX because I was a long time XXXX XXXX XXXX customer. I finally hung up on her. I called XXXX XXXX XXXX on XXXX to inform them of my bad experience with her telling me about deals that could not be confirmed on the website. He apologized on her behalf. on XXXX at XXXX XXXX I got an email from XXXX XXXX saying XXXX XXXX had ran a hard inquire on me. XXXX XXXX at XXXX XXXX I received a call from XXXX saying she was at XXXX XXXX call center in Texas and was scheduling an install.I explained to her the phone conversation ion Saturday as well as the hard inquiry. she said she would have the inquire removed but needed an email for me for the credit reporting agencies. She then said she could not take my email because it was too long ( XXXX ). I called XXXX XXXX XXXX XXXX and spoke to XXXX. He was not helpful and kept saying I had ordered services. I asked for a floor manager, he put XXXX on the phone XXXX who was not much help either and said I should put a freeze on my credit. he did finally agree to call me by the end of today to tell me if the two ladies I spoke with here their employees. he would and could do nothing more for me except sell me XXXX XXXX services.
During the month of XX/XX/2018 I started seaching for a new house and was referred to TD bank by an employee I know. He specifically referred me to a loan officer. During the Month of XXXX I submitted an offer for the house I chose for $ XXXX which made qualify for a promotional rate of 4.5 % with 1/8 of a point, which I locked. 
A week and a half after, the appraisal came at $ XXXX. Since the offer was contigent on appraisal, I offered the owner $ XXXX, which he accepted. The loan officer mentioned that he might not be able to keep the same rate and the rate would be higher. However, the following day he stated he got an excetion to keep the original rate in order not to have to re do everything. Following that, I received the lock rate agreement with the same rate 4.5 % with 1/8 of a point for the new amount to be financed ( $ XXXX ) based on the new sale price of $ XXXX. 
During the month of XXXX, I received a new lock rate agreement for the $ XXXX with a higher rate of 4.875 with 3/8 of a point. I believed that was a mistake since the loan officer had stated he was able to get the original rate, so I did not sign it. 
Closing had been set for XX/XX/2018. On XX/XX/XXXX I received the Closing Discloure draft and it had the higher rate ( 4.875 with 3/8 of a point ). I inmediately raised the discrepancy to the loan officer and he said that he had not send the initial lock rate and asked me who had And I forwarded the informatikn to him. He then replied that the person was out of office and that he would check the next day. On Friday he said that bank would not change anything as that was the rate ( which was not the one I had signed ). On monday, XX/XX/XXXX I contacted him and his manager to request an escalation of this issue. Closing date came ( XX/XX/XXXX ) and I did not hear any update from any of them, and was left with no option than to sign/ close under duress as I did not want to lose the house and risk any additional financial burden. 
Two hours after closing, the loan officer called me and asked me if I would consider a rate change to 4.625 %. I replied via email stating that I did not think that was fair as it was a higher rate with 3/8 of a point which I paid at closing. 
I was told that the team were reviwing the issue. It was not until Monday, XX/XX/XXXX when the loan officer emailed me claiming that since I had agreed verbally ( which is inaccurate ) and viewed the second lock rate ( which I did not approve as it was not what the officer had mentioned ) the bank will not proceed with any changes and would only refund the appraisal cost and underwritter fee. To me that is not a fair outcome and I had no option but to state that if that was the final outcome of the investigation I have no option but to accept it. I also mentioned I did not feel it was fair as I am sure the investigation revealed many gaps in their internal processes which created the confusion and instead resolving them they are taking the easy and unfair resolution which is to penalize the end user
I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.
The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.
Today XX/XX/18 at XXXX XXXX I received a call from elevate recoveries agent XXXX XXXX she started the call by talking about my son and his birthday and the age he is not introducing her self or the company she worked for. This made me uncomfortable when I asked what I could do for her she only then informed me that she was attempting to collect a debt after informing her I am not working and just had another child she began to ask who watches my kids where they are watched, how I pay for diapers and wipes and formula when I told her that was none of her concern she began to tell me if I had money for that then I had money coming in from somewhere I informed her my children were of none of her concern and she just started all over again with the invasive questions. I ended the call and called back and spoke to supervisor who only condoned her behavior this agency has my phone number address and my childrens names I am genuinely concerned for the safety of my children.
XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect
I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.