WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.
On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called bank of america immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called bank of america again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from bank of america or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want bank of america to refund the {$96.00} to my account as they initially stated they would.
Credit freeze, identity theft hold on my credit profile. Equifax is reporting credit inquiry from XXXXXXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018. I have mailed a request to Equifax to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.
I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.
Experian is reporting inaccurate information on my credit report. There are XXXX different XXXX accounts which does not belong to me that is afffecting my credit.
I have asked   XXXX   to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  Lexis Nexis. I contacted Lexis Nexis   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to  XXXX  and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  Lexis Nexis and the letter from  XXXX . How can   XXXX    say they verified the info and I have proof that the public record is not in Lexis Nexis  database.
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with XXXX, Transunion, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX
I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices
On  X/XX/2017    there were  two ch arges on my credit card statemen t, one  - {$15.00}, second - {$50.00}. I contacted  Capital One an d immediately and spoke to  XXXX . Advised them I did not authorize these charges and/or purchase anything from either of these companies. My card was then cancelled and he informed me someone would contact me from their  Fraud  Department. They did not, so I called them again in the afternoon. They have the charge of {$15.00} pending and even though they claim they did not take out the charges yet, they did which reflects on my balance that they are taking the monies out. I told them again, over/over I did not make " any '' of these purchases and wanted the monies put back onto my card. They said they could not do anything until the charge was posted/paid on my account!!! Then they would start the investigation which could take up to 30 days or more!!! Meanwhile I am out of monies through no fault of my own on my credit card. Then he said, the  Supervisor,  previously I was speaking with  XXXX  and asked to speak to the  Supervisor,  he said, then after the investigation we  may or may not reimburse you for the charges!!! Even though they have zero liability for fraud charges. I asked and was told, both the transactions cam e in at  XXXX . I reside in PA and am   XXXX   years of age and can assure you I am not up purchasing items on line at this time. In addition, the company of   XXXX   XXXX   XXXX   XXXX   XXXX   as far as I could tell by doing research is for some pet supply place. I do n't even own " any '' pets. The Supervisor I spoke to was very rude by asking me have you ever paid your whole balance in full!! I have never been late with " any '' of my payments w ith Capital One and there was absolutely no need to even ask me such a question except for being ru de, which he was extremely.
I opened a US Bank XXXX XXXX account online on XXXX/XXXX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XXXX/XXXX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XXXX/XXXX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XXXX/XXXX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received. I filed a complaint with CFPB on XXXX/XXXX/XXXX ( complaint # XXXX XXXX, stating the above facts. On XXXX/XXXX/XXXX, I received a response from US Bank via the CFPB complaints portal that denied my claim based on the patently false assertion that I opened the account on XXXX/XXXX/XXXX - when in fact the account was opened one month prior, on XXXX/XXXX/XXXX, which was very much during the eligibility period for the {$200.00} bonus. US Bank has engaged in a bait-and-switch tactic and is now denying me a bonus for which I clearly qualified according to the terms of the promotion. I am therefore refiling this complaint, along with the necessary documentation to refute the false assertion made by US Bank 's representative, XXXX XXXX XXXX. 

In this refiled complaint, I am attaching : ( 1 ) the response from US Bank that contains the false assertion used to deny my initial complaint to CFPB ; ( 2 ) a copy of an e-mail received from a US Bank representative on XXXX/XXXX/XXXX to confirm that my account had been successfully opened ; and ( 3 ) copies of my XXXX and XXXX checking account statements, with the dates of each of the qualifying bill pay transactions highlighted. I trust that this documentation clearly demonstrates I complied with the terms of the promotion.
My inquiry  to the County Recorder of Deeds and U. S. Bankruptcy Courts confir med TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public recor ds may, and oftentimes are, reported by third party sources unaw ares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.   The Credit Bureau needs to provide me with copies of all documentation associated with thes e Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my   signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under "  Public Records '' n eeds to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the  Federal Law, you ha ve exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act  623 ( a ) ( 3 ).    Per  the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) -  all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.   I have given TransUnion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.   I am hoping this matter will result in the removal of the bankruptcy from my account.
CRA is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am one of those people. They removed 9 inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.
My credit report shows a closed account which is closed and paid in full. There is a comment that says late two or three times. I was never late on this account. The account is XXXX XXXX # XXXX. XXXX has not reported this account late at all which is the way it actually was. You have 30 Days to remove this derogatory statement from my report as per the FCRA.
A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.
I got a phone call from a woman from Del Ray Capital saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.
I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. XXXX
Recently discharge from a chapter XXXX bankruptcy ( XX/XX/2017 ). We have 3 mortgages with Ocwen Loan Servicing and one of three loan # XXXX is one that we are having problems with. This account is showing {$5900.00} as Escrow Balance. The address of the property is XXXX XXXX XXXX, XXXX, Florida XXXX. I request a release of the escrow funds & have been refuse. There has not been an escrow payment attached to this account because of there refusal to make payments to the insurance company & tax dept. I was advised by the attorney to stop the escrow & insurance payments to them. All payments were stopped until the amount sent to them was satisfied, then payments were resumed. We would be satisfied with these funds being applied to the principal of the loan but it should n't remain in an escrow account. Our monthly payments ( principal & interest ) is {$120.00} a month.
I have been unemployed for three months so my payment is currently late on my XXXX XXXX credit card which is managed by XXXX XXXX.

Today is Saturday and I started receiving calls from XXXX at XXXX XXXX XXXX. Subsequent calls have followed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and again at XXXX XXXX At this rate I will receive approximately TWELVE CALLS FROM COMENTIY BANK BY XXXX XXXX   TONIGHT  which is when they have to stop calling!!!!!

But this is not the first time it has happened. It happened once before, while I was unemployed recently, and my payment was late. I counted the number of times they called and it was between 12 and 14 CALLS EVERY DAY!!!!! I have been in job interviews when XXXX XXXX called me TWO TIMES DURING THE INTERVIEW!!!

THIS SHOULD BE ILLEGAL!!!! I've had stalkers who have called me less than twelve times per day!!!! And on a SATURDAY!!! When many people are socializing and having to explain the stalker calls on their cell phones.
XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.
When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.
To begin with, Portfolio Recovery acquired two accounts, one from an old XXXX XXXX account, and one from XXXX XXXX. Portfolio recovery did not provide any written correspondence as it relates to the debt. They have contacted me during work hours at my place of employment. I have informed them to contact me after my work hours. I still receive calls during work.