WillisBack/dataset-financial-user-claim huggingface dataset:
I was recently informed of negative information reported by Bank of America included in the file XXXX   maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Suspected Fraud Activity in XX/XX/2017. 
The fraudulent activity happened on my sons minor account which was a joint account to my own. My account was not compromised and this fraudulent report has been added to my XXXX  report and needs to be removed. This inaccurate information is keeping me from obtaining a bank account from other financial institutions as my profile is showing up on their early warning system. 
Please validate this information with Bank of America and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
For your reference, my personal information is as follows : SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Bank of America collected but didn't pay supplemental tax, which result in delinquent penalty. 

I purchased home around 6 months ago. Bank of America setup escrow account to pay tax & insurance, they collected the amount of money which is enough to cover tax for new assessed value.

I received the two bills ( standard & supplemental ), the standard one for previous assessed value, supplemental one for diff between previous & re-assessed value. I confirmed with lender that bank of America will cover my bill. However, months later I received notice telling me my supplemental tax is delinquent and subject to 10 % penalty, which is around 400. 

I reached out to BOA again, they told me they are not responsible for supplemental tax. 

They shouldn't collect supplemental tax in escrow account if they are not responsible for paying that. If they do, they should pay for that, or at least warn home owners
On  XXXX   XXXX ,  XXXX  at    XXXX   XXXX   .  EST,  I contacted  Citizens B ank regarding my inability to pay my loan for a    XXXX   XXXX   XXXX  .  The payment is due on the  XXXX  of the month. I was told by a representative of the bank that their systems were being revised and that they would be not be able to process a payment until this week. I was also told that our automatic payment system would be revised on  XXXX   XXXX ,  XXXX . I was given a reference number :  XXXX , and told that fees for a telephone payment would be waived.     With this information, I assumed that the payment would be deducted on  XXXX   XXXX . It was not.     I contacted  Citizens  Bank today, and I was told that they did not have any record of the conversation and that the reference numbe r I  submitted did not substantiate anything. I was further told that the fee would be waived, as the website was still not working  (  more on that ). After being transferred to a supervisor, I was told that the website does work and was given instruction oh how to use the website as  four  additional numerals are required in addition to my account number. I then asked about forced interested that I had to pay as a result of the computer problems. The supervisor said I was too stupid to use the website correctly. I ended the call shortly thereafter.     I am unaware and have no confidence that the telephone payment fee will be waived, that automatic debit payments will occur, and lost interest that I was forced to pay to this company will be returned.     This company claims the following information to be true :  Citizens  Bank is a brand name of  Citizens Bank, N.A . ( NMLS ID #  XXXX  ) and  Citizens Bank of Pen nsylvania  (  NMLS ID #  XXXX  ).   Citizens Bank corporate headquarters :  XXXX   XXXX   XXXX ,  XXXX , RI  XXXX
I bought a phone on XXXX for XXXX and when I received the item it had defects on it. So I complained and finally they sent me return shipping information. Then returned the product to the seller. Now after 3 months the seller is saying he never received the item and now a dispute got filed from his side. So i had to pay the XXXX and return the item. Basically I got XXXX and burned it ...
Hello, My name is XXXX XXXX XXXX. I am XXXX years old. I am a senior citizen. I am an XXXX veteran of the United States of America. I object to being treated like this. 
My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of. 
This needs to stopped. 
I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
XX/XX/2018 I sent a letter to diversified Consultants for debt validation. 
I received a letter back on XX/XX/2018 stating the mentioned account has been resolved for less than the full balance, upon return of payment, this letter will no longer be validation. 
Please Note : resolving the referencd account with XXXX XXXX for less than the current balance owed will not make you eligible for reactivation of service. Only the payment of the balance in full will be eligible for reactivation service. 

I do not feel like this is a validation of debt.
Equifax Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the originalcontract with XXXX began. That date is XXXX XXXX, 2008. I have writtenEquifax on numerous occasions to have them put this date on the account, and they havenot done so. Please have them list this date as soon as you receive my complaint.
Bank of America 's Trial Period Plan ( TPP ) documents for a mortgage modification under their Bank of America Loan Modification Program did not disclose the modification principal and interest payment amount, the modification interest rate, or the modification amortization ( time to pay of loan ) for the program that I qualified for, was offered and that I accepted. I had to base my acceptance of the mortgage modification based on the TPP 's information which only contained terms for programs that I did not qualify for and the total trial payment amount. 
This does not appear to abide by the spirit of the Truth in Lending Act. In addition, Bank of America did not attend XXXX of the meditations scheduled for this issue under Nevada 's Mediated Mortgage Modification Program ( MMMP ) as part of my Chapter XXXX Bankruptcy.
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.
XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly.
I have disputed this company due to identity theft. Sometime in 2012 some of my boxes went missing while moving in my place my check books were stolen. I have been disputing to all 3 credit bureaus XXXX XXXX and XXXX have removed but now XXXX. XXXX  told me to contact Recovery One LLC. I have and have gave them a copy of my police report. But is still there.
I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.
XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.
The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.
I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.
Consumer My mother XXXX XXXX XXXX and I XXXX XXXX got a loan from XXXX in XXXX CT through Capital One Auto XX/XX/XXXX the loan was in her name and mine XXXX XXXX my mom passed a XX/XX/XXXX and as her Executor of Estate I have been engaging in clearing all financial issues so I called Capital One Auto XX/XX/XXXX and advised them of Mothers death and that they would have to remove her have and I would be solely responsible the intern told me to fax over the death certificate and this would be taken care of by the next billing cycle of the XXXX. I received XXXX bill with no changes done a called them again and again month after month them advising me that it would be taken care of and they didnt understand why its not done and would check in another department and told they would remove my mom from the loan reference on XX/XX/XXXX spoke to XXXX. The next call was on XX/XX/XXXX that there was a note in the system nothing the next time I called in that I would have to call the DMV per the back office the gave me s fax # XXXX per XXXX that the title would have to be changed there and my request is to have my mothers name taken off the loan because I am on the loan as well, I was overwhelmed on that day going back an forth for months and threatened to call the news so then the transferred me to a XXXX XXXX @ XXXX Ext XXXX executive response coordinator she listened and said she would look into this and get back to me in a few days well that did not happen, I called and left her about 25 messages. Capital One sent me a letter on XX/XX/XXXX stating they tried to get in touch with me this is not true I am home everyday. See attached- nothing has been done to resolve my issues.
The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.
I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.
I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
I received a telephone call from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 informing me that I had a debt with them in the amount of {$1700.00}. I am unaware of signing any type of agreement or owing XXXX XXXX XXXX XXXX XXXX any debt. Therefore, on XX/XX/2018 I mailed XXXX XXXX XXXX, XXXX a validation letter describing all the information I was requesting for said debt. The certified letter was received by Midland onXX/XX/2018. I then received a generic letter asking what information I was requesting. As you will see the request for information is clearly stated in the original letter I sent them dated XX/XX/2018. The company also included a statement from XXXX XXXX XXXX. Due to the fraudulent practices of XXXX XXXX XXXX I do not know that this is truly a debt of mine that is due to them. I checked my credit report today XX/XX/2018 and they have a derogatory account on my record. I would like this to be removed if they can not provide me the validation of this debt. I have no proof this is legitimate. I also requested in the validation letter that any bad marks be removed from my credit report. I greatly appreciate your assistance with this matter. 

Thank you,
I went online at XXXX ( XXXX ) to request a credit report from Trans Union. All went well until I was asked what county I lived in in XXXX. It did not have XXXX, which is correct, but contained XXXX. I indicate 'none of the above '. I was denied a Trans Union Credit Report online. Previously, I had a bad experience with identity theft/credit card fraud dating to XXXX. XXXX fraudulently filed credit application ( possibly XXXX XXXX ) used a bogus XXXX, NY address. My complaint is how can I correct misinformation, if it is used to deny my access to a credit report that provides a procedure to correct misinformation. I have pending a Trans Union Report by mail - up to 15 days turnaround. I called XXXX ( from the XXXX website ) to make the arrangement. They did not ask confirmation questions as the website. The reason I requested the report is that XXXX XXXX website indicated that there was a " hard pull '' for a report from Trans Union. So, I requested a credit report.
X/XX/17   . I went to check into cash and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then two weeks later   X/XX/17  I   went back to the branch and rewrite my contract and i got another alert stating that CHECK INTO CASH did another credit inquiry. I do n't like this idea at all .It affected my  credit score.  I was n't informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance
I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.
Tuesday is the day I get paid early. But Thursday is my original pay date. It 's now Saturday XXXX XXXX 2015 and my account balance is still XXXX. I have no money to feed my family no gas to get to work nothing. This has become a problem and now my bills are due and I have no resources to turn to. I have the only income in my household and my family relays on my money. Rush card has made this time very hard and I need help.
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from home visions saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX  and XXXX.
On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.
I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.
I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.
A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.