WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I want to file a compliant about Bank of America, I have been had problems with this organization for years. I could go on and on, but for now I want to submit a complaint about my current issue. In XXXX XXXX the renters I got to cover my mortgage payments up and left with over {$3000.00} dollars in damage and unpaid back rent. I was forced to leave my home in XXXX XXXX because my Husband killed himself there and my children were diagnosed XXXX and had been given medical advice to leave the home, we had to move! BOA was notified of this and would not work with me to lower payment or even return my calls. I was able to rent the home until XXXX XXXX. At this point I contact BOA and told reminded them I could not return to the home and the mortgage was to high to find renters to pay it. Again, had very little response. In XXXX after repeated phone calls and getting the run around I was finally contact and told to submit documentation for a modification. I had to submit and re-submitted 3 times, same documents and got not resolution. They in XXXX XXXX may case was set to some contractor, not BOA, who again asked for same documentation and finally denied my modification and told me I would n't qualify because I can live in the property. Ugh!! why did n't I get that information originally BOA knew all along I could not live in the property! Then I applied for short sale approval and got sent to another contractor of BOA and they did nothing accept call each couple of weeks asking if I had questions. Again I kept voicing my complaints and getting no answers. Finally in XXXX XXXX someone for BOA took over my case and I was told everything would be resolved in a month and now we are entering XXXX XXXX still no resolution or update on progress. I have submitted all my documentation and tried countless times to come to a resolution in the mean time my credit is getting ruined and this nightmare situation continues because know XXXX at this company can do their job or come up with a solution for my situation. I have filed complaints with better business bureau and everyone say " Oh Bank of America, Sorry but we ca n't do anything but log your complaints '' I am so frustrated and do not have the money to sue this company for all of the problems they have caused me, but I wish someone would help me resolve my situation. It is destroying me financially and mentally!!
Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
On XX/XX/2018 I called to attempt to settle my debt with Simm Associates. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
A few months ago, I went to the ER. I made sure my contact info with the hospital was current, but for some reason, the bills went to an address I haven't lived at for 10 years. Before I could figure out why I wasn't receiving the bill, I found out I needed XXXX. I was contacted by the debt collector about a week before my XXXX, which is when I found out what amount I was being charged. I asked to receive a written statement sent to my current address. I did receive that a day or so before XXXX. 

Healing from XXXX didn't leave me in a position to deal with the debt. Today, they contacted me by phone, which is understandable. What is not acceptable is that they failed to identify themselves properly. 

My boyfriend answered the phone. I usually don't answer calls from numbers I do not recognize, so I asked him to answer and give me the phone if it was the debt collector. Unfortunately, when he answered the phone, the caller would only identify as " XXXX on a recorded line. '' He asked multiple times who she was, and she would not identify as a debt collector. Only after she was asked directly, " What company do you work for? '' ( please note that asking " where are you calling from? '' and " who do you work for? '' did not get a proper response ) did the caller identify her employer as XXXX. She still did not identify as a debt collector. 

My boyfriend ended the call. I had talked about needing to talk to them to set up a payment plan, now that I am recovered from my XXXX ( entirely unrelated to the debt they are trying to collect ) but neither of us are comfortable dealing with a company that refuses to identify themselves properly. I understand that they do not wish to disclose information, but I also know that they are legally required to identify as debt collectors, even if they are not speaking directly to the debtor. Had they identified properly, I would be discussing payment with them now. 

The call occured at XXXX MST, Fri XX/XX/XXXX. The call was from XXXX.
XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
On XXXX/XXXX/2017 I disputed {$2100.00} worth of fraudulent transactions made on my American Express Serve prepaid account. Despite having adequate proof that these transactions could not have possibly been made by me, my dispute was declined via email in less than 24 hours with no cause. These transactions all occurred in another state while I had my card in my possession. I was also advised that my account was locked and suspended. I later received a letter and a check for the balance in my account. When I called AMEX Serve, I was told that I could write into the corporate office to appeal the denial. I wrote AMEX, but have not heard anything from them. This situation has placed me in a difficult position as I can not pay bills and support my household.
Capital One 360 closed an ATM dispute not in my favor, and insists on charging me XXXX dollars that I did not actually receive from the ATM. When Capital One responded to my dispute, they failed to provide me with documentation, instead only sending a message saying the owner of the ATM had provided what they allege to be sufficient documentation. 

What is this, use ATM at your own risk, and risk being charged for money you do not receive? 

On XX/XX/XXXX I used an ATM, attempting to pull XXXX dollars ; however, only received XXXX dollars. I immediately that day called Capital One, who issued a provisional credit on XX/XX/XXXX, but then took it back on XX/XX/XXXX. 

I spoke today XX/XX/XXXX with XXXX, supervisor Id XXXX regarding this issue. She refused to reopen the dispute, refused to let me appeal the decision, and refused to let me speak to anyone higher up.
XXXX   XXXX   XXXX   XXXX   XXXX , still insists through  XXXX   XXXX   XXXX ,  XXXX , that I should contact Rodriguez Fernandez Law Offices , LLC in  XXXX   XXXX   Puerto Rico, on   a U.S. Postal  Service Certified Mail Received today,  XXXX   XXXX ,   XXXX   at our residence, that Monday through  XXXX , from  XXXX   XXXX   XXXX   to  XXXX   XXXX , I should call them if I have questions, and they want me to pay the whole amount of  XXXX  dollars  XXXX  cents, letter received today included, i s in Spanish in just one payment? But   this account is under a certified payment agreement with the same  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  (  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , and today I made the fourth payment of this agreement at  XXXX   XXXX   XXXX   XXXX , in  XXXX   XXXX   XXXX ,  Puerto Rico, see  included receipts. I was unable to contact the lawyers listed by  XXXX   XXXX   XXXX  as  XXXX   XXXX  Representatives, because not only I saw this letter today after arriving home after  XXXX   XXXX  and I should not wait for this until next Monday, but  XXXX   XXXX  is well aware of this problem, and they should contact  XXXX   XXXX  also, but is not happening.  XXXX   XXXX  has another complaint here about this, number  XXXX   XXXX , but this  one  I want to submit against  XXXX   XXXX  and their representatives h ere in Puerto Rico.
written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file
I was reviewing my credit reports and discovered a fraudulent " TARGET CREDIT CARD '' on my XXXX credit reports and XXXX report. I reported this fraudulent activity to the police and FCRA, and the US attorney general office, I want this Fraudulent activity deleted from my credit profile effective immediately. pursuant to the laws of FCRA 605B ( 15 U.S.C. 1681c-2 ) a fraudulent account has to be removed.
I have a student loans, well, two student loans ; one subsidized and the other unsubsidized. These loans started out at about 39K now they are over 45K. I have been on an Income repayment plan - but this is a catch 22! The principal is growing at extreme rates - where I will never ever be able to repay. I feel I was ripped off from the get-go with XXXX XXXX. telling me to take loans and take money and I would not have to pay back. 

I would like to make a lump sum offer, but it seems that I have to be in default - which again is a catch 22, because my Income based repayment amount is " XXXX '' XXXX! So, how can I default to have the creditors come after me to then offer a payoff or lump sum! 

Something needs to be done with this system. I do not want this to grow on my account for 10 years then have it be excused - like they say it will be. I would rather settle this now if possible - please help! Do I need a lawyer? Thank you, XXXX
Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.
This is a follow-up to our initial complaint # XXXX submitted on XX/XX/2018. The response from Honda Financial Services just further proves how corrupt and incompetent that organization is, and someone there needs to go to jail. The matter at hand pertains to a fraudulent {$350.00} that Honda has been trying to extort from us hardworking minorities. This seems to be pure racism by them. Their response to complaint # XXXX is that they charged us {$350.00} because of a turn-in fee. HOGWASH! Under the terms of the contract, the fee is waived if the customer subsequently purchases or leases another Honda. When we returned our XXXX XXXX XXXX to the XXXX XXXX dealership in XXXX, FL, we advised the dealership that we would be purchasing another Honda but that it may be a bit longer than 30 days due to an upcoming move. The Honda representative at the XXXX dealership said that would be fine, and that although 30 days is generally the time parameters they provide, Honda would happily extend that to the end of the year for us. My husband, XXXX XXXX, and I, subsequently purchased a XXXX XXXX XXXX in Connecticut on XX/XX/2018 ( account # XXXX ) and adhered to the end of the year parameter Honda provided to us. For them to now attempt to falsely claim their attempt to extort {$350.00} from us is due to failure to comply with the turn-in parameters when we in fact complied with the very turn-in parameter they told us would be fine by them is ridiculous. Honda Financial is corrupt and this is an act of racism. Shame on them, our society should not tolerate such racist behavior.
I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.
To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/1992
I called Bank of America when they received the second half of my partial payment. They accepted my first half of payment and sent second half back because that would have only out me behind on four payments. The mortgage been behind since 2016 due to Illness and then the Great Flood. I have been making payments every month since then. I tried to call and see about getting loan current. I told was ready to make payment. They told me I have to fill out a package just to make a payment. This is not right at all. I been playing ring around the XXXX with BOA for a long time. This loan was originally a XXXX loan and I know everything is screwed up. I will hire attorney and it will not be nice for BOA. They are making me pay all this money and fees when they already taxed the government for the house through writing it off under a previous modification. BOA must think that I am stupid.
I was on-line looking at my credit report prior to buying a new vehicle an d noticed a medical collection I had no knowledge of.
Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Complaint Department TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have I have incorrect information on my credit report. my identity was stolen and somebody open credit card on my name at XXXX XXXX XXXX  I dispute on the attached copy of the police report, FTC identity theft report, court record, CFPB - Consumer Financial Protection Bureau complane, State of California Department of Justice complane. 
I am requesting that the item be removed the address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived there ) and phone numbers ( XXXX ) XXXX XXXX and ( XXXX ) XXXX its not my phone numbers! 

to correct the information. 
Enclosed are copies of my real address supporting my position. Please reinvestigate this. i attached copy of police and federal trade commission report!!! 
matter and delete the disputed item as soon as possible.
i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i  called the number on the website 3 separate time it put me on a line with someone who does n't even speak English. How can the major credit unoions have customer reps that dont speak very good english and the fisrt thi ng they ask for is your social security number to start. thanks
I got a credit card through XXXX in XXXX, North Carolina and Bank of America manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Bank of America representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Bank of America representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Bank of America 's part to do what is the right thing when I had no communication from them until now.
Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?
I have a account with XXXX XXXX/ XXXX XXXX , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and transunion. XXXX  already deleted this account