WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.
Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.
Was told needed XXXX items ( conditions ) then after given to me they turned me down from original information not of the conditions. They drug me along for 90 days
Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.
Chase card increased my credit card rate to nearly 30 percent despite the fact that my FICO score is XXXX and I have never had a late payment. I called Chase and they refused to explain the rate or offer a lower rate.
XXXX XXXX  filed sue on XX/XX/XXXX spoke with them on Friday XX/XX/XXXX, advising that correspondence needs to be resent. I havent received latest correspondence with offers. The law firm handeling the amount quoted a different amount of 900 plus which was not same amount in sue. Im currently waiting on sheriff to serve papers.i spoke to someone today XXXX to claiming to be consumer employee stated my account originally opened in XXXX XXXX purchased it my originally agreement was with XXXX.
Today, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.
Back in XXXX I paid an agreed payment of {$690.00} to pay in full a collection instead of going to court and being sued and the agreement has n't been honored on the part of XXXX XXXX and their associates. They 're continuing to report incorrect collection information on my credit report and its causing my scores to suffer and my report to have a bad mark on it. I would like for this tradeline to be completely removed from my credit report and stopped reporting immediately! Per my rights!
I clicked on free credit score which eventually asked for {$1.00} to activate thus process. No where else did it say I would have a monthly charge from then on/ and monthly once getting that report, and why would I need them after getting that score? My bank statement showed in XXXX a dollar charge, and following that each month for {$39.00}, which was never stated anywhere I would be billed. I'm not one that looks at my bank statement, and live on a very limited income, but when my XXXX/ XXXX bank statement show I had innsifficient funds, charged a {$30.00} fee, cause I was still unaware Im being charged for somerhing I'm unaware of. I don't even know who this is, being not even familiar sounding like the credit score site. 
This is the only info. On my statement I have : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is my second attempt and request to have public information removed from my credit file. There is two Chapter XXXX bankruptcies listed on my public Experian credit report that I have requested several times to be removed. It has also been confirmed that the U.S. Bankruptcy courts does not and will not verify such accounts ; therefore the accounts has not been verified, the system in which the credit bureaus use to verify information is not the correct method of verification. Per the PROCEEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THESE ACCOUNTS.
Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.
I was on XXXX while unemployed and XXXX   when I was ordered by my doctor to get some XXXX   XXXX under XXXX. I noticed i was getting billed for the XXXX XXXX thinking XXXX was a little late processing the billing. Months later Franklin Collection was on my credit for over {$570.00} for an unpaid bill. I tried to dispute it and provided copies of emails showing I had XXXX at the time along with a statement from the billing manager at my doctors office ( XXXX XXXX ) stating they may have billed in error. So in other words I/ my credit has to suffer for someone else 's mistake. I'm highly upset.
To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item is on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO a creditor is who collects they are on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. CREDIT MANAGEMENT LP. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent Equifax breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on
I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report. 

After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this. 

And this also is not the first time this company has done this. 

XXXX has record of wrong-doing by this company as well. 

What forms will I need to resolve this issue?
We did not sign up for a credit card with this company. We were offered a line of credit through XXXX XXXX XXXX. They said this was where customers got their line of credit through them. We told XXXX we could not afford more than {$300.00} per month, called multiple times to XXXX to find out the financial information since we were not sent home with any information nor did we get anything in the mail. We finally got a credit card bill in the mail for over {$800.00} so we called the billing department for XXXX XXXX XXXX and we asked what they were and they said they were a credit card. We asked about the percentage rate - it is 19.99 % and we asked when this amount was due and how often. It was due in less than a month from the date of the call and it was that amount each month. We asked them to send over a payment list to understand how much and often and they said that we would need to look up that information in the account once we created one with online access. Nowhere in the online information does it show anything about this credit card or the payment plan. They told us we were responsible for these payments and we signed up for them. We have sent a formal request for the paperwork opening this account as we did not open this account, but XXXX did on our behalf without our knowledge. We would have not ever signed up for a 19.99 % credit card for a timeshare if presented to us as such. We never received a credit card in the mail but only a disclosure sheet that says the credit cards interested rate will be anywhere from 10 % -17 % but you'll notice on this bill attached that it's 19.99 %.
On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?
on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available
They have XXXX different names : NPG, XXXX XXXX XXXX and XXXX. I have a answered several calls from this scam. They say they are gon na have the sheriff serve me with papers at work, then have me arrested, then sue me. These people are the most unprofessional, soulless, rude scammers. When I tried to find out what kind of company this was, I was hung up on, the first time. The second time I was refused a supervisor. The third time I was transferred to someone that called herself a supervisor who still just tried to get personal information from me, when I refused she said good luck in court and hung up the phone. I speak directly to any company I do business with. This so called company needs to be stopped.
This is not my debt but I paid anyway and Midland Funding won't remove it from my credit
I have a grievance against Bank of America ( BoA ) and XXXX.

The Consumer Financial Protection Bureau ( CFPB ) is an entity of the U.S. Government charged with making consumer financial markets work for consumers, responsible providers, and the economy as a whole. Your mandates include rooting out unfair, deceptive, or abusive acts or practices, taking consumer complaints, and monitoring financial markets for new risks to consumers.

Bank of America and XXXX have both begun to target innocent Americans, organizations, and businesses simply because they choose to exercise their Constitutional rights. This is immediately evident in their most recent attacks against the XXXX for advocating 2nd Amendment rights and they have publicly stated this to be true. Why does BoA and XXXX  have the right to deny businesses or individuals the right to banking services because they believe in or support the 2nd Amendment or because they own personal firearms? As a government agency do you not protect me and such others? Large banks like BoA and XXXX receive government benefits and support. Why do they get this if they are attacking our Constitutional rights?

Every American uses banking services in the modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. What happens when they next decide to deny services based on 1st Amendment rights? They deny services to people and organizations based on their religious beliefs or they deny services to media outlets based upon what views they have? It is all the same thing ... denial of service based on discrimination and in violation to the US Constitution.

No American or business should be targeted as a scapegoat for someone elses crimes. No American should be targeted based on their exercise of Constitutional rights. I and my entire family have chosen to close all accounts with these banks, but that is not enough. These type of large institutions can not be allowed to attack people.

Please end this egregious overstep and punish BoA and XXXX for their despicable actions and attacks against innocent Americans.
I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!
Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX  XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did  not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. 
I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX  Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.       XXXX     XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX