WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding the Bank of America 'AAA ' credit card and policy. I made my payment IN FULL to BofA, so as to avoid interest charges. I try to pay all my cards in full to avoid paying interest. To my surprise, I noticed BofA sent me a statement, for interest due. I called to find out why since I was not late and I paid the balance in full. 

Representative told me, it was their policy to charge for daily interest - during the month that I am holding the bill, so even if I paid the balance in full, and it shows interest and balance amount being paid in full, that does not pay the " hidden '' interest which has been accruing since the bill was mailed out. This is deceptive, and completely different than any other credit card I have ever had in my 30+ years of adulthood. 

Example : XXXX statement, covers XX/XX/XXXX-XX/XX/XXXX. Assumed mailed out XX/XX/XXXX, due XX/XX/XXXX. for full balance due {$1600.00}, including interest charges for XX/XX/XXXX-XX/XX/XXXX. 

If I pay bill by XX/XX/XXXX ( due date ) in full for {$1600.00}, BofA is still accruing interest from XX/XX/XXXX thru XX/XX/XXXX. This interest is " hidden '' and not shown anywhere except on BofA computers. 

Next month, BofA sends a new statement for this " hidden '' daily interest from XX/XX/XXXX thru XX/XX/XXXX, now due XX/XX/XXXX. Even though the balance was paid in full. 

I explained that it will always be impossible to pay the balance in full and avoid interest, unless I call and ask what the " hidden interest '' for the previous 25-30 days was. Rep said the best way is to simply pay the balance in full every  month. Of course that would be best, but on occasion we have to float a balance. When I do, I do expect to be charged interest for holding that debt for another 30 days. But, next month when I pay the new balance in full, I should expect my balance to be XXXX ( just like with all other cards ). But it won't she said, because of the daily interest continuing to accrue while I am holding the statement before the due date. This is not fair, and how can consumers keep track and avoid paying exorbitant interest to banks with these policies? I told her that this is completely different than all my other cards, but she did not seem bothered by that fact. 

I want BofA to change their credit card policy to be more in line with all the other credit banks, and honor a XX/XX/XXXX balance when its paid in full, and not surprise consumers with another interest bill for the hidden interest during the past 30 days. 

I am sure BofA will say, their policy was disclosed to consumers like myself, and I knew what I was getting into. This is usurious and deceptive, because all banks know during the time of gaining credit, this sort of small print goes unnoticed. Especially when consumers are used to banks doing credit business a certain way. This was definitely a new gimmick to me, and I have to believe other consumers have been deceived just as well.
XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.
I got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time.
Bank of america has me in foreclosure. Right now BOA has summitted XXXX different original notes in my foreclosure case. The case started with a lost note count, which they submitted a copy of the note with a blank endorsement on an allonge, then over 2 years later they filed a different note that had the blank note endorsed to Countrywide, XXXX additional endorsements on the allonge, and other markings on the note itself. This note was filed in the official records, dropping the lost not count, with a sworn statement that it is the Original Note. Then months later they submitted another note, with another sworn statement that it is the Original note, that had the original blank endorsed note that was filed with the court as a lost instrument. This is clearly fraud upon the Court. After they submitted the endorsed note in their answers to my request to produce, I filed a Motion For Summary Judgement, on the no standing issues. After I filed my MFSJ, the plaintiffs submitted the endorsed note, into the official records, with notice of dropping lost note count, with a sworn statement that it is the original note. In the plaintiffs opposition to my MFSJ, they filed another note, which was claimed as the original note, by sworn statement, which was the Orignal note that they filed in thier complaint with a lost note count. So they filed a note in the official records, then filed the other note afterwards. The Judge denied my MFSJ, and set the case for trial, when I brought all this to her attention. She said they probably have a good explaination for why they have XXXX Original notes in my case. The only thing the plaintiff said was that the XXXX notes are identical, and that is a lie. I have the transcript from the hearing. I went to Court on XXXX XXXX, 2015 on my MFSJ, and on the XXXX XXXX, 2015 I recieved a letter from BOA that they are transferring my servicing rights to XXXX XXXX XXXX as of XXXX XXXX, 2015 This is just another way of getting away with fraud and forgery. I ca n't afford a lawyer, and the bank has not put anything in my court docs about any trial or anything else. So Bank of America is attempting to slide away into the darkness, like none of this ever happened. I wrote the Attorney General, and they gave me your number, so I am here to file an Official report of what is going on in our Court system. Fraud should not be tolerated in our Justice system.
I received an email from Wells Fargo Bank stating that my online password was disabled since it was entered incorrectly XXXX times. This must have been done by someone other than myself. I tried to reset it online but this was unsuccessful so I called Customer Support. I was told that they would NOT be able to help me at all and that I must go to a branch. I live in XXXX XXXX so this is not practical for obvious reasons. The call was escalated and I was told the same thing. I have now left a voice message for the XXXX level and have been told not to expect a call for the next 2 days! I also reached out to XXXXXXXXXXXX and this group responded with the same responce. I have been a Wells Fargo customer for about 15 years and am shocked that I am now unable to access my account which is active. I need someone who can actually resolve it rather than repeating company policy. 

I am very concerned since there are automatic withdrawals from my checking account and a VISA account that need to be maintained.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American First bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX XX/XX/XXXX which was not authorized. An official dispute of this activity was sent to American First certified mail with return receipt XX/XX/XXXX however a recently reviewed credit report XX/XX/XXXX still listed the American First inquiry under XXXX. American First is now in violation of my client 's federal consumer rights as they have continued to report a fraudulent related item after receiving official information to conduct a proper investigation and removal.
Equifax Confirmation Number : XXXX I am tired of getting the same response : Information doesn't match our records, YET, the only information that I put into the online systems is from the report they send that's evidenced by the confirmation number ( Equifax Confirmation Number : XXXX ) Please fix this ERROR, if you want me to submit a dispute online, fix it to where I can get access.
My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.
Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the investigation.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.
Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.
IN REGARDS TO : ALLY FINANCIAL XXXX XXXX XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION XXXX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office. 
3. File a complaint with the XXXX XXXX XXXX.
FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that XXXX changed their web page after the hacking news was brought to light on XXXX/XXXX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure
AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. I created this fraud alert directly with Equifax earlier this month. Despite this fraud alert, an individual through XXXX and XXXX was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at XXXX and XXXX XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The negligence on the part of the financing manager at XXXX XXXX and loan officers at XXXX and XXXX XXXX is reprehensible. However, Equifax needs to have these inquires on my credit report removed immediately. I 've filed an additional police report with local law enforcement.
On XXXX XXXX 2017 a collection for XXXX was placed on my credit profile by Stellar Recovery Inc and I have no idea who this Company is or where this debt came from.
I was denied credit by XXXX. XXXX indicated that Equifax was source of info. 

Equifax refused to provide credit report from online sit and refused to provide report via telephone.