WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to file a complaint against Bank of America on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from BOA to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact BOA to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the BOA branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted BOA and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact BOA 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that BOA bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask BOA for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money.
I would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.
My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.
I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.
These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.
This account was established over 10 years ago. I closed it by choice between XX/XX/XXXX and XX/XX/XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XX/XX/XXXX. In XX/XX/XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan
I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?
This XXXX account # XXXX is " Paid-in-Full ''. It is not in " Payment Plan. '' This account is " Closed ''.
In the past two years capital one inc is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX   and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
I opened a credit card with Citibank in XX/XX/XXXX. I made my first payment of {$1000.00} on XX/XX/XXXX ( the date it left my account at XXXX ) via bank to bank transfer, from my account at XXXX to the credit card account. This is an electronic funds transfer -- instant cash to Citi. However, I learn today on XX/XX/XXXX that my payment was being held by Citi until XX/XX/XXXX! This is unacceptable. Citi has my money. I no longer have the money in my account at XXXX. That is 9 DAYS! In this day of EFT, overnight clearance of personal checks, etc. it is absolutely unacceptable for Citi to hold on to my money ( cash via EFT ) and this long before I get access to it. They in turn are using my money ( along with that of others ) in overnight lending to make money on my money. They should not be allowed to hold onto my money this long when it is a bank to bank transfer.
Blitt and Gaines for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job inXX/XX/XXXX because they tried to garnish my wages.
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
At the end of XXXX, I was charged multiple overdraft fees on an account that I was trying to close with Bank of the West. The fees all piled up because of the very first fee, which after speaking to the branch, would be reversed, resulting in the reversal of all other charges. The total amount of overdraft fees was {$920.00}. I was under the impression that it would be taken care of, only to find out recently ( XXXX ), that I am in collections for the {$920.00} + {$550.00} in interest. I disputed the debt with the collection company, and after speaking to the bank on XX/XX/XXXX, they could only tell me that the debt has been sold to a collection agency and it was too old for them to help me. It is my understanding that there was a class action lawsuit against Bank of the West that dealt with the same issue around the same time. I am trying to clear this from my credit, and any help you can give is greatly appreciated.
Sears XXXX XXXX XXXX XXXX keeps advertising Appliance Discounts as much as XXXX or 40-50 % off if you use " THE CARD '' It does not say SEARS Credit Card, it simply says " The Card ''. Sears also has a Save with Sears points card that we have. Purchases at Sears or XXXX count and add up over time to spendable currency. We went to our XXXX Sears XXXX here in XXXX, West Virginia. Immediately I asked if I could use my discount card and the awnser was NO. We had to have a Sears Credit Card. We applied and were DENIED. I am XXXX and bring home a little over XXXX a year, my Husband is a XXXX XXXX for the XXXX he brings home a little over XXXX after 21 years. We did have a Bankruptcy, brought on when I became XXXX. My company terminated me. I went from XXXX to 2 years later a little over XXXX. 

Here is my Complaint : " IS IT NOT DECEPTIVE to simply keep saying " WITH USE OF THE CARD '' which could be your points card, a Visa, MasterCard Etc, but repeatedly with every item, it states " with use of the CARD ''. No where does it define " The Card '' as a " Sears Revolving Credit Card ''. We get these hand bills over and over and over and over its the same language. 

I ask that you site them for DECEPTIVE and False Advertising as they should be saying with the " USE OF A SEARS Credit Card Only ''. Its humiliating to apply in a public place, declined and told well sorry thats the only way you can get it for that price. 

The Public should be informed and provided with directions on how to apply from home so they can be spared the humiliation of being turned down at a cash registered where other customers not only here that your turned down but all your PRIVATE Information, such as Social Security numbers, Dates of birth and Income, Employer etc.
XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX   XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..
I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with Experian within the required 30-day period.
Transunion XXXX showed up on my credit card bill several times and NONE WERE AUTHORIZED. My credit card issuer has disputed/refunded what was paid but this scam is apparently very widespread as I viewed the pages and pages of complaints online. You should check into this because if it is a legitimate business, they should be penalized significantly. If it is a scam, with as many illegal transactions as this entity has been involved in, they should be able to be tracked down and prosecuted. Then my credit card issuer notified me that another unauthorized transaction for an escort service was attempted for {$39.00}. So the XXXX must be related. 

Unauthorized transactions on my credit card : XXXX XXXX XXXX TU *TRANSUNION XXXX CA {$19.00} XXXX XXXX XXXX TRANSUNION XXXX XXXX CA {$19.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$1.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$19.00}
it is automated they just say to call but do not relinquish a name who they are calling for
My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.
I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.
Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.
on XX/XX/XXXX I got a call from PennyMac about lowering rate and lowering my payment. When I called in I was told that I could not lower my payment because it would cost to much. This is not the first time they have called and said that they would lower my rate and payment and told me after I called them back that they can't do it. On XX/XX/XXXX I was very clear with PennyMac that I no longer wanted any communication phone, email or mailed unless it was my statement and to cease all communication. I was told they would note the account and was told to have a nice day. on XX/XX/XXXX I got an email from PennyMac asking me to call them back to lower my rate once again. When I called in to ask why they are still sending me emails I was told that the agent had no idea and that he could clearly see that the account was noted to no longer contact me.
On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.
I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.