WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Bank of America XXXX TexasI had just about given up. this complaint process is time consuming and my semester for the winter is about to begin for my XXXX program. The complaint has transformed into a fight with bureaucratic red-tape and stonewalling by the customer service members of BOA. Now I find out today that I can not open another account with any bank in Texas because my name has been flagged. I have gone through 4 -5 years of ID theft as a BOA customer and my credit has been damaged. Can not believe a Bank in the USA intentionally damages or allows its customer to suffer prohibiting the ability to recover from financial set backs instead of helping. In this context I decided to file this new complaint. Please see the synopsis of my complaint and supporting documents below. 
XXXX startFiled with OCCC TX : To : *OCCC Texas XXXX XXXXXXXXXXXX XXXX *Bank Pres. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX RE : follow up : Status Synopsis UrgencyI have written numerous times attempting to expedite this BOA investigation from XXXX XXXX, 2015 to present. The details have been elucidated in several emails but the resolution has not been implemented. As a result as mentioned in the previous email " BOA complaint : Status Synopsis Urgency '' dated XXXX, XXXX, 2015 ( about 30 day after my compliant ), the time has run out. This month services needed to run my household are out of time. Creditors have begun to implement prosecution by district attorney for returned checks and payments, termination/suspension of services, utilities, insurance coverage, cell service, phone service, home owners insurance, etc. BOA has even informed me that BOA mortgage will report XX/XX/XXXX missing mortgage payment to the credit bureaus and that they are not required to add an explanation i.e., detail of my complaint and reason why the automatic payment was missing. Accounts that are cancelled or will be this month XXXX, XXXX ( gas ), XXXX XXXX ( lights ), Water bill, A # XXXX XXXX XXXX XXXX XXXX XXXX service plan XXXX. Please see the attached listing of creditor 's late fees that in total to date exceed the original {$910.00} withdrawal. 
XXXX EndIt seems that there was a push to just finalize this complaint without really addressing the ID Theft issues suffered by me over the past 4 -5 years with BOA. The latest of which is outlined above. OCCC TX has not been engaged in this complaint as I would have liked. My next semester is just about to start so I eventually agreed to pay to being the accounts current with BOA and my creditors. I then tried to transfer my police pension to XXXX XXXX XXXX which is now being blocked. Really inconvenient during this holiday season. I agree that you can share this complaint with the media. Of the dozen or so BOA CEO executive team managers that I discussed this case with the last were XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with friendly but ineffective customer service. Please see the supporting documentation. 
Thanks, XXXX XXXX XXXX XXXX CFPB
I am being harrassed my my lender XXXX XXXX about making a payment. I informed them and sent my class schedule from the XXXX XXXX college website with my student number proving my enrollment. I have been enrolled and attending my local XXXX college since 2015. My school says that they send an update to XXXX and they refuse to do their jobs and update the information or reach out to XXXX when they need more information. I don't understand why I have to continutously do their jobs. They are now threatening to report my lack of payment to the credit bureaus. It is my understanding that I do not have to make payments while enrolled in at least 6 credit hours.
I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. 

This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.
I made a payment of {$720.00} on XX/XX/2018, 3 days after I made my required monthly payment of {$240.00}, and requested the payment specifically be allocated solely to loan XXXX to pay it off. Instead, Great Lakes allocated the payment across XXXX, XXXX, and XXXX. This is the second time that Great Lakes has ignored my allocation request.
Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started. 

This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports. 

As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.
I am XXXX years old and can no longer live alone because I have XXXX  XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.
I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
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The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
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I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.
Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX
I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.
There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?
I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.
I have been making purchases with my credit card and when I make a full payment it does not show that I have been paying it. In the month of XXXX, I paid {$630.00} and made {$580.00} worth of transactions which would mean I overpaid but, I was still being charged as if I did not XXXX out the balance.
From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the XXXX recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the XXXX. However, the greed that exist within the debt collection community caught up with Navient, and many others when the XXXX suspended contracts for deceptive and illegal collection practices. Navient was never part of any student loan origination. They now claim that any student loans I owe are private, even though previously they claimed they were collecting on behalf of the XXXX. Now they claim that they can not defer payments, consolidate debts, or do anything other than collect on debts they have shown no proof of ownership. I have no clue as to what company is the trustful owner of any procured student loan debts under XXXX XXXX. Even though I never took part in any procurement of a debt from Navient, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for Navient. So it looks like my credit will be dinged and damaged by this collection agency that has no stake in the debts they claim they have a right to collect on. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Navient has no right to collect on any debts without proper validation. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. Navient must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. Navient must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.
About mid XX/XX/2018 I contacted Transunion in regards to unreported accounts I have and asked how I can get them on my credit report. I was told to mail to them all the information needed such as company name, account history, and such. I did this and now when I call Transunion, they now tell me they are unable to add these accounts to my report, it must be the creditor who adds it. 
I am disputing incorrect information on my credit report, which by law I am allowed to do, incorrect information is not limited only to what is reported. If something is missing it does not properly reflect an accurate or close to accurate portrait, thus, basically making the credit report useless to begin with. 
Transunion is suppose to open a dispute and investigate the information. They have basically told me they will not be investigating the provided information because the creditor was not the one who provided the information. 
This is just wrong to continue to work against the people on issues that are so extremely important as a credit score. 
A simple phone call to the creditor to confirm the account is in fact real is not difficult to do.
I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.
I have an ADP Aline card which is an employer sponsored card to receive direct deposit of checks. On XXXX XXXX, 2016, I went to a restaurant and place an order utilizing my ADP card. Unfortunately, I had to cancel the order due to bad service and inedible food. I told the clerk to cancel the order and he said he could not. The transaction was registered as a credit card purchase. I collected the receipts and did not sign for the order. I contacted ADP Aline on XXXX XXXX, 2016 and requested that the pending transaction be stopped due to an unauthorized transactions. I was informed that a dispute was formulated and that I should find out about the transaction in 7 calendar days. Consequently, on XXXX XXXX, 2016, I checked my account to see no credited balance. I called and spoke with a manager of the organization and was told that they called the merchant and the purchase was authorized. However, it was not. I asked if they had my signature on receipts they responded no. I then asked to start the dispute processed again and was told that I would need to provide an address for mailing legal correspondence. I informed the manager that I have no mailing address at the time and if they could mail it to my nearest post office, she responded, " no. But we can mail it to a friends house. '' Thus, due to me not having a physical address I was denied the right to dispute the transaction. Additionally, I have monies deduction from my account without authorization. What can I do?
Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.
I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.
I had an auto loan with Ally Financial that I was a joint account on with my girlfriend. In XXXX of 2018 I filed for Chapter XXXX and was discharged in XXXX of 2018. During the time of Bankruptcy, Ally financial reported 30 days late for the month of XXXX, XXXX and XXXX. By bankruptcy law, th account is granted an automatic stay which means they may not continue to report anything on the account. I did not reaffirm the debt but was given the option to continue making payments on the loan but it would not affect the credit. We sold the car in XXXX but I have asked Ally to remove the late amounts as they were 1 ) not infact 30  days late and 2 ) were not allowed to report any reporting on my credit.
This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX  XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before
Today,  XXXX / XXXX /17, I replied to a pop-up ad from Quicken Mortgage for a refinance on my home lone. Shortly in to the intake process I was told they had to pull my credit and it would have to be a hard pull. I objected to this and was told " federal law requires this ''. I would like to know the federal law or regulation that REQUIRES that a hard pull of my credit report need to be made.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX  XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date Opened>> XX/XX/XXXX
Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.
I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.