WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card at BOA and was denied an unsecured card. So once the denial letter came in the mail I applied for a {$300.00} secured card in the mail. However, my biological mother and grandmother had an checking account opened at BOA in my name that I was unaware of in XXXX. I was then sent a letter with a pin number selected for me and that the card would come in a separate letter. The card never came in the mail. I also never received the card ending in XXXX. I reported card lost or stolen. Then I was sent a new card with a new account number ending in XXXX. This card was then detected for possible fraud after an XXXX XXXX XXXX installations with XXXX when my step father XXXX box got installed in my apartment and registered to my name and new cable account since I had used that credit card to open the account on XX/XX/XXXX. This XXXX account was immediately compromised and multiple people had added themselves to this cable account that was used to get access to different bank accounts. After I closed cable service in XX/XX/XXXX with XXXX those cable boxes in my name somehow went into circulation and these individuals keep access my bank accounts this way to transfer money. BOA then told me because they detected fraud on my card in XXXX they closed the account and opened a new account ending in XXXX and mailed me a new card. I later received second hand information that the first XXXX accounts mentioned where still active and different individuals were using XXXX to make purchases to embezzle money out of the accounts that I though were closed to get access to a trust that I was unaware of that I had. I closed the account ending in XXXX once I paid off balance. The last statement I received was in XX/XX/XXXX. I had also used this card as a bill and proof of residence when I applied for XXXX XXXX Assistance to cover a doctor visit at the hospital. However, I order to apply for this assistance it states that you give XXXX permission to hold any settlement money due to you to cover your doctor bills if you should be expecting a money in the near future. This card was then fraudulently kept on file to get access to bank account and multiple medical professionals created fraudulent records and documents to bill out for medical treatment I was never there for nor had I consented to the treatments. The XXXX FBI noticed this fraud in the account and billing at XXXX XXXX XXXX. Again all of these above accounts should be closed. These accounts are tied to an XXXX report with ATT # XXXX and FCC # XXXX. It also affected my bank account at XXXX. See CFPB # XXXX for XXXX. The other telecommunication companies that I have been affected with these accounts are also listed below for reference : FCC XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX FCC XXXX XXXX # XXXX FCC XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX FCC XXXX # XXXX XXXX XXXX # XXXX FCC XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX CFPB BOA XXXX and XXXX # XXXX
XXXX XXXX Account closed XX/XX/2012 Account status Open. By the statue of limitations I'm not responsible for the debt and it should be removed from my report. 

Written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ). Last payment date supplied by XXXX XXXX XX/XX/2012. 

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX   XXXX Original Lender- XXXX XXXX XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}
Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. 
That payment was make it XX/XX/2014.
Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX. 
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!
I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted TransUnion regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.
Hunter Warfield XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX
I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.
My social security benefits were due to be deposited into my account on the XX/XX/2017. Upon calling to check my balance, I discovered that there were 2 transactions on my account which totally wiped my account clean, neither of which were made by me. I have tried since XX/XX/2017 to rectify disputing these transactions with XXXX XXXX, but to this date, they have been unsuccessful at transferring me to a level II agent as they state there are high call volumes and the phone continuously hangs up. I am a senior citizen with no way of taking care of myself except for the money that I receive from Social Security. The amounts were XXXX and XXXX. I found out that someone had duplicated my card and went to a XXXX XXXX in XXXX, Texas ; and purchased two Gift Cards, 1 for {$500.00} and they used the remaining balance from my card and another card to purchase another {$500.00} pre-paid gift card. <P/>I look forward to hearing from someone soon in regards to this. <P/>Thanks, XXXX XXXX
Account Number. XXXX Maturity Date. XX/XX/XXXX.

Term. 24 Months I invested {$1000.00} on XX/XX/XXXX because BBVA Compass promised {$27.00} after 2 years. It has been more than 2 years. 

I had to pay the notary public {$15.00}. postage of {$0.00}. 

I want my money back {$1000.00}. I do not want the maturity date altered to XX/XX/XXXX. 

I want BBVA Compass to pay me {$1000.00} right now.
I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.
I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.
I have asked ( through XXXX ) for proof of the alleged debt and have never received any. Armor Systems Corp erroneously claims that I owe {$1000.00}. I never received any written notice whatsoever from Armor Systems Corp.
Transunion is reporting my XXXX XXXX Account inaccurately. The errors are noted below and seen in Exhibit A : *Worst Payment Status : 30-59 Days Late *Times  30/60/90 Days Late : 3/0/0 *XX/XX/2018 Late Payments are shown for the months of XXXX, XXXX and XXXX XXXX XXXX XXXX , our mortgage servicer, made terrible mistakes on our mortgage account. We tried everything to have them correct their errors, however they completely ignored every request we made. Finally, we contacted XXXX and told them of the inexcusable errors they were making in addition to their repeated ignorance of our many requests to correct the errors. XXXX intervened and the errors were corrected. 
I have disputed the above inaccuracies to Transunion. They advised their investigation was complete, however, they returned the same credit report, with the same errors as before. 
I have enclosed the Complaint to CFPB about XXXX ( Exhibit B ), their response ( Exhibit C ) and our Feedback ( Exhibit D ). Please note XXXX statement in their response, that all errors have been corrected : We have also waived all fees and late charges associated with the issue. We amended the credit for XXXX XXXX for the months of XXXX, XXXX and XX/XX/2018which is confirmed in the attached response to a duplicate complaint that you sent to our Customer Care Department. 
I have also enclosed Freedoms letter dated XX/XX/XXXX ( Exhibit E ) that is referred to in the paragraph above. Please  note the following statements : After reviewing your account, our research confirms an update for XXXX XXXX XXXX has been completed with the four national credit bureaus to reflect the loan as current for the months XXXX, XXXX, XXXX and XXXX, XXXX with XXXX XXXX XXXX. Our update was made manually through our updating system XXXX, which provides our borrowers with an AUD ( Automated Universal Data ) tracking number for the changes made. Please utilize AUD XXXX reference this update. 
We understand you received a monthly billing statement advising a past due amount. An update has been made to include the balance into the completed modification. An incorrect delinquent interest was used during the process of billing statement in which we have corrected. Also, we have waived the previously late fees assessed as well as the additional fees accrued toward the account. 
It appears Transunions investigation did not meet the standards required by law. In addition, we understood the corrected credit report would be re-sent to any creditor requesting same within the last six months and that Transunion would communicate the corrected errors to the three other credit reporting agencies.
Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.
Wells Fargo Dealer Services have been contacting me at times that are not legal. I 've warned them 3 times that I will report them and to stop harassing me at these times. They said they would but have not complied. I 've also told them when i would be making my payments and they keep calling - I am not more then 60 days behind. 
XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX I think you can see a pattern here. Please make them stop. I 've made payment arrangements w them and I 've not faltered on any arrangements in the past. What they are doing is unacceptable. Thank you.
XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
I opened a new Bank of America checking account under a new account promotion of {$300.00} for meeting certain requirements. I met those requirement, and Bank of America acknowledges that, yet paid out {$220.00} instead of the {$300.00}  promised. I made several calls to the bank and they state they took out taxes from my bonus. I spoke with several representatives and asked for the remaining amount of my promised bonus as per their advertised terms and was denied. 

I also received a letter dated XX/XX/18 stating I had qualified for the bonus payout and that {$300.00} was deposited on XX/XX/18, which contradicts what they did which was deposit {$220.00} on XX/XX/18. 

The bonus terms which are clear as to any taxes due on the bonus being my responsibility, states the following : " If you meet all the requirements for the {$300.00} Checking Account bonus, the earned bonus will be deposited directly into your new checking account within sixty ( 60 ) days of meeting the qualifications. Your new personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. 

All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them. You will be issued a XXXX at the start of next year. '' Lastly, I am not subject to tax withholdings and indicated so on my application ( in case that has anything to do with this issue ).
On Friday eve XX/XX/XXXX, I was advised by XXXX, MA Police Officer to check my checking account/debit card balance. I had called the XXXX Police Department ; they dispatched an Officer ( to my home ) as I complained that I believed that I was in the midst of a scam ; I stated that in was happening in real time. 

As my account was in tact, the Officer understood my reservations, but no crime had been committed at that time ; hence her advice to check my account regularly. 

On Sunday morning XX/XX/XXXX, I was now overdrawn {$400.00}. On Saturday XX/XX/XXXX, my balance was {$1600.00}. I went to my regular Citizens Bank ( on the XX/XX/XXXX ) to speak with a Manager about my situation ; I brought documentation. She was of little help, unwilling or unable, and referred me to the bank 's normal customer service telephone number.

On Sunday by telephone a bank employee took a detailed complaint. She stated that I would hear from an investigator within 2 business days. I have to hear from an investigator.
This complaint is a follow-up to complaint XXXX. 

I have been working with Fedloan for several months now to keep my loans in repayment and Fedloan has been unwilling to help. I work full time and go to law school at night. I have been repaying my loans continuously since XXXX and Fedloan suddenly decided this fall to put my loans in deferment because they were notified that I was a student again. The deferment started several months after I enrolled. I requested that my loans be put back in repayment so that I would continue to be automatically billed each month, with additional amounts directed at the highest interest loans. Because Fedloan moved my loans into deferment without contacting me, additional interest has accrued and payments have not been applied. I have already reached out to Fedloan to have my loans placed back in repayment twice, only to receive an email notification on XXXX/XXXX/XXXX that my loans have been placed back in deferment for a third time without my permission and against my previous requests. This has to be illegal.
I ran my credit report with Experian today- XX/XX/2017 and noticed incorrect name spelling and address spelling in my file. Specifically : XXXX is an incorrect spelling of my name, which should be : XXXX. Similarly the incorrect address is listed as : XXXX, IL. XXXX. In reality there is no unit number and the correct address should be : XXXX, IL XXXX.
My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help
In XX/XX/2017, I submitted a complaint against this company ( Case number XXXX-XXXX ) regarding miscalculations of payments they had made on my loan payments. They continue to make errors on my loans and cause harm to me financially. 


Today, I received an email that my loan payments will be going up over {$100.00} per month due to Navient 's error of supposedly not applying capitalized interest from a forebearance to my loans when they entered repayment. Apparently, the " close review '' they did of my account in XX/XX/2017 didn't catch this error. Now, SIX YEARS into repayment I am told I owe more money and they are going to take it. This is ludicrous! If this kind of debt collection practice is allowed, what is to stop this company from reaching out to borrowers decades after they begin repayment and allege the borrower owes more? Four of my loans have been paid in full ; are they going to come back and tell me that they were wrong in that calculation and proceed as if I never paid anything? This can not be legal, and it must not be allowed. IF there was an error, which I doubt as I see an application of over {$2000.00} of capitalized interest to my loans on the date repayment began, Navient should have to eat the loss for their own error.
Equifax mishandled my personal information including such items as name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur, and they confirmed I could be affected on their website, XXXX. 

They have put me and millions of others at risk of identity theft and/or fraud due to negligent security protocols in handling consumer information.They are further attempting to profit from the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.The negligent loss of personal information of millions of consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.