WillisBack/dataset-financial-user-claim huggingface dataset:
I cancelled my VISA credit card with Bank of America due to their incompetence. I was a cardholder since XXXX. My wife and I had our New Jersey XXXX XXXX   account attached to the VISA card and had made payments generally in full and on time for 29 years. We moved to a new address in XXXX and notified Bank of America of the address change prior to our relocation. Bank of America did not send a bill to the new address after the move. XXXX XXXX notified us on XX/XX/XXXX that our credit card had been declined. I contacted Bank of America on the same day and they indicated that they had entered the new address information incorrectly. We received no bills for payment from them since the last payment was made in full on XX/XX/XXXX. The amount of our payment was {$70.00}. Bank of America indicated that our bill was past due in the amount of {$260.00}. I asked how much of that amount was late fees. They stated there were 2 late fees of {$25.00} and {$38.00}. I asked if the late fees would be waived due to their error. They agreed. The past due was reduced to {$200.00}. I asked them to reinstate our account immediately and they insisted on a payment of {$53.00} within 24 to 48 hours. I told them that we paid all of our bills for 29 years. They said that we needed to make a minimum payment of {$25.00} within 24 to 48 hours and requested our checking account # and routing #. I told them that I could restore my XXXX XXXX account immediately with a new and different credit card ( XXXX Master Card. ) I did so.
I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.
This collection account refused to validate my account. I sent documentation they ask for in order for them to send validating paper to me and they sent letter saying they do n't have time to validate collection account. Document of letter of what they sent me
Opp Loans, has failed to apply my loan payment in a timely fashion. 
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to. 
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times. 
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest. 
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal. 
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.
I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.
In XX/XX/XXXX, USAA issued me a Form XXXX in the amount of {$2400.00}, in which they relinquished their rights to collect on a default loan against a XXXX XXXX XXXX. In XX/XX/XXXX, I paid taxes on the Form XXXX. When I contact USAA to request the title for the vehicle I was told that, even though they voluntarily give up the right to collect against the loan, they would not send me the title. USAA claims they still have a interest in the vehicle, even though I 've paid the taxes and that a new Form XXXX would not be amended even if I paid any amount towards the vehicle. <P/>I feel that the lien on the title should be released and issued to me.
It is reporting twice on my credit report once from XXXX XXXX  once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX
Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.
On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )
I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES
this i a complaint about a late payment charge which i have tried to have corrected by statebridge company LLC which we have contacted by phone several times and explained the issue.  On  XX/XX/XXXX    we received a late charge for our mortgage. The point is that back in  XX/XX/XXXX  when statebridge took over this mortgage they told us not to pay until XX/XX/XXXX . so to keep ahead i sent in 1st payment in  XX/XX/XXXX and have paid every payment one month early and am continuing to do so. I went to my bank and got copies of every check front and back as proof of every check they have received and cashed and when it cleared my bank. we faxed these copies 3 different times to 3 different representatives and they still wo n't take the late fees off. They told me they were missing a payment the check was dated for  XX/XX/XXXX  and that they had not received it. so we went to the bank and put a stop payment that cost us  XXXX  and reissued a new check for XX/XX/XXXX . a few days later we received a certified letter notice which was the check they said the never got and it is stamped right on the front that they received it on  XX/XX/XXXX  so they had it all the time. they stated that it was post dated and they could n't cash it but they had been cashing them all along. now they say they sent us a notice of escrow mortgage increase of   XXXX   after i had sent in 2 months payments as usual they say i owe  XXXX  on each month and after i did the math on this they are adding a late charge in to this amount. they admitted the last time we talked on the phone that they had made a mistake and posted one of our payments to all principle and they would not take the late fee off even though it was their mistake. we have also sent the difference for the escrow amount in to them already. I also have paid for  XXXX . and  XXXX  payment.
On XX/XX/XXXX at approximately XXXX XXXX I deposited my paycheck to my American Express Serve account via their mobile account. At XXXX XXXX I received an email notification saying my money had been transferred from my account to an individual, whom I do not know. The name given on the email is XXXX XXXX. I called to dispute it. Changed my passwords, atm pin, ect. At XXXX XXXX on XX/XX/XXXX I received an email says they decided it was an authorized transfer. Then at XXXX XXXX they sent an email saying I had a negative balance and at XXXX XXXX I had violated section 15d and my account is permanently suspended. I called and asked for the information of the individual who took the money couldnt/wouldnt give me anything. I asked what 15d violation was they said they didnt know what it was. Unfortunately the police are unable to help track it down. 

I cut up my card and no longer have the account number since Im locked out of it
I originally submitted a request online at www.transunion.com to dispute a collection account on my credit report by XXXX XXXX, XXXX : XXXX XXXX. I was made aware of this collection account by a voice message left by XXXX XXXX in regards to collecting the debt. I contacted them by phone & informed them that I have never had an account with XXXX and that I never authorized anyone else to open an account in my name. I notified them that I was a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I was never informed of my rights as a victim of identity theft. Instead I was told that since this was a fraudulent account, he did n't expect for me to pay the full {$860.00} and that he could go as low as {$350.00}. I was informed that XXXX XXXX buys XXXX & XXXX of these accounts & that they buy these papers to make money. They told me that if I dispute this with Tranunion, Transunion would send the dispute to them & ask if they will remove it from my credit & that they will say " no '' because they want the money. This is exactly what happened & Transunion closed my dispute stating it was verified. I do n't understand how Transunion claims to verify disputes by sending them to the collection agency & allowing the collection agency to have the final say. XXXX XXXX does not have any info regarding this debt except for my name using my Maiden name as the last name and my SS #. Also, per XXXX XXXX, this account was opened in XX/XX/XXXX. I 'm not sure how they were able to add this to my credit report with the Account Opening Date of XXXX. XXXX XXXX has called me a few more times still trying to collect the debt. They were also using scare tactics stating that they were going to submit this debt to the other XXXX credit reporting agencies even though they are aware that this is a fraudulent debt/account.
Equifax , Inc. mishandled my personal information ( for example, SSN, DOB , street address ) such that it was possibly disclosed to others without my consent. Equifax experienced a cyber-attack between XX/XX/XXXX placing myself and 143 million other Americans at risk of identify theft. This constitutes improper use of my credit report because the breach is directly attributable to the company 's website application vulnerabilities. In addition to their failure to protect information, Equifax failed to notify the public of the breach within a timely fashion, thereby increasing customers ' risk of identify theft.
Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!
Our commercial mortgage loan originated on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX  Despite repeated requested, we do not receive statements and can not access our mortgage information online. On XXXX/XXXX/XXXX, we called XXXX, the company that manages the loan, to try and get a payoff amount as we have been paying additional on the principal for several years. Our loan is not in default. During the phone call, we were told that there was a {$1400.00} fee on our account. When asked why, originally we were told it was possibly late payments. I asked the gentleman to research further and we were disconnected. I went into the XXXX XXXX Bank to try and resolve some of the issues. After researching, I was told that the {$1400.00} fee was done in XXXX and was for an appraisal. An appraisal was done during the loan origination in XXXX. We were not informed of the XXXX appraisal occurring. We were not told that we were being charged for it. We were not even made aware that they had done the appraisal and added the cost to our loan. At this time, we do not have any way to find out what additional fees have been added to our account without our knowledge or agreement. 

I have reviewed the original loan documents and there is no authorization to Riverside or XXXX to do appraisals at cost to us.
My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my credit?
My mother XXXX and has an outstanding home equity loan. 

We have been making attempts to pay towards it. 

The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? 

If they could just work with us, and stop the threats.
I received a notice from Titan Receivables, INC referencing XXXX XXXX XXXX. Prior to this notice, I have not received a call or notification from XXXX XXXX XXXX stating that I still owed anything. I thought my XXXX was fully exonerated. Furthermore, after receiving this notice in XX/XX/XXXX, I called Titan to ask them about the noticed they 've sent. I told him I had no problem making monthly payments but was just confused because I thought it was exonerated but he said no. Titan reported this " Debt '' to the credit bureau which I felt was very harsh. I 've received one notice in XX/XX/XXXX and no prior notice from XXXX before they turned the account over to titan. I do n't think its right that this account be on my credit as derogatory and I already made plans on making payments. I will like this debt off of my credit as I will continue to make payments as I always do with any of my accounts. I did n't received proper notification from titan or XXXX XXXX and its not like I 've been given chance after chance or contacted about this debt. I 've received one letter and that 's it. Now this debt is on my credit. This is so not fair.
Our loan was sold to SLS after being with XXXX ( and very happy ) for almost 13 years. We had applied for a modification with XXXX and we were told all the paperwork would be sent to SLS to finish processing. I received a letter from SLS that XXXX items needed to be changed to the SLS document for further review. Items were emailed the same day, XXXX. On XXXX, I received a letter that nothing was reviewed since I did not send the items in on time. I called SLS and she stated that they had both items but the signature was in the wrong place. I had called 2 times and spoke to a person since sending the documents in. I was told everything was being processed in underwriting and that they would get back to me. On XXXX/XXXX/16, I called SLS and the automated system told me that my workout status was approved and they were finalizing the paperwork. When I questioned the Rep about that call she stated that the automated system was not always right and that I should be calling and speaking to a person every time. But, I had spoken to TWO Reps and none of them told me there was an issue with my paperwork. I asked if I could send in the ONE piece of paper that had the wrong info on it and I was told " No, you need to send a whole new packet into us to process again. '' I asked why no one called me to let me know that the packet was wrong since I had received information re : the missing paperwork. I was told that it was my responsibility to call and follow up. But, I did, so if I did my job, why are they not doing theirs?!
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXx XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not
On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of XX/XX/XXXX.
I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam.
XXXX continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used this account.
Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.