WillisBack/dataset-financial-user-claim huggingface dataset:
I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on my Credit Report.
I sent XXXX letters to XXXX XXXX, and TransUnion ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX XXXX XXXX and TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ).  Under the FCRA, unverified accounts must be removed ... XXXX XXXX and TransUnion acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.
To. the Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I want to file a complaint against the USAA Federal Savings Bank and to the XXXX for collecting a Debt that I do not owe and unrecognized Account that I never knew, base on my knowledge I only owe XXXX Debts which is settled by the Debt Settlement Company that I enrolled through the Debt Settlement Program the first Debt was settled through XXXX XXXX XXXX XXXX a Secured Credit Card Account. # XXXX which I paid in the amount of {$5800.00} both Me and the XXXX XXXX XXXX XXXX agreed on the settlement letter. and the other Debt was Unsecured Loan with Account # XXXX which is Settled through XXXX XXXX. both Me and this Collection Agency Agreed which I paid in the Amount of {$2100.00} through the debt Settlement Company that I enrolled. can you please Help me to Investigate this case. so that this Bank and the Collection Agency stop their unfair Collection Tactics. 

Sincerely XXXX XXXX
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Wells Fargo Home Mortgage acting as a service r for Wells Fargo Financial South Carolina Inc. ( who is no longer in business as XX/XX/XXXX ) is attempting to collect a defaulted debt thru a third party Attorney Firm ( XXXX XXXX XXXX XXXX ). after many request for verification and validation thru Wells Fargo Home Mortgage and XXXX XXXX XXXX before and during the entire court proceedings the debt collector /Service r never offered any response to our request. they keep petitioning the court and was granted a summary judgement in there favor by the state court without providing any proof of the alleged debt. the debt was sold or acquired while the debt was in default based on documents obtained. the original loan / account number was assigned as many as ( 5 ) five different numbers and shows up on the credit report as XXXX different loans with different amounts by XXXX different entities XXXX taken out on the same day in XX/XX/XXXX.
Experian is reporting the outdated account  XXXX   XXXX , account number  XXXX . This account was opened in   X/2005 .This  account is almost 10 years of age which exceeds the time-frame to be considered as old or outdated. This account is not attached to any account and other credit bureaus deleted the outdated account however Experian has refused to acknowledge and honor that the account is outdated and has failed to remove the old  XXXX   XXXX  account. I am asking for you to please delete the account and if you verify, I am asking for verification as to how it was disputed and the name of the party who verified. I do not understand how verification is considered for an old account that is too old to be on the credit file but please provide the information so that  I may o btain legal assistance to have the old creditor removed and I can demonstrate that I have went through proper protocol for the deletion of the old debt.
My series of loans were originally handled by XXXX XXXX and are now handled by Navient. My complaint stems from representations made by representatives of both loan servicers. On three separate occasions reps at XXXX XXXX ( Navient ) advised me that I was eligible for a forbearance. I was told that the forbearance was granted and that no payment would need to be made for a year. I relied on these representations and budgeted my money to other bills. On three separate occasions, I was contacted by XXXX XXXX ( Navient ) and told several months later that I did no qualify for a forbearance, that the verbal forbearance granted to me by the rep was erroneous and that I was now months late and the total sums for those months were due and owing. XXXX XXXX ( Navient ) reported me to the credit agencies as being late and the drop in my credit score drastically affected my family. I ended up filing complaints with XXXX ombudsmen -- nothing happened. I complained to XXXX XXXX ( Navient ) managers and nothing happened. 

The question is why can XXXX XXXX ( Navient ) get away with misrepresenting their own policies to the detriment of borrowers time and again without any repercussions? I am still dealing with the negative credit reporting and all the fees associated with late payments. No other company could get away with managing so much debt so irresponsibly. 

All I am requesting is that the negative reporting to the credit agencies be withdrawan.
Re : Overpayment on refinancing Account # XXXX On XX/XX/XXXX I refinanced my student loans with XXXX and they paid Navient {$69000.00}. This is an over payment of {$930.00} of the last principal balance fromXX/XX/XXXX. I calledXX/XX/XXXX and was told that the over payment went towards the loan you still currently house ( XXXX ). Upon adding the numbers that was applied to loan XXXX the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and  XXXX XXXX when XXXX paid you for the loans and during that time interest had accrued, however, I know that {$400.00} of interest had not accrued during 6 days. So can you please tell me where the missing {$400.00} has gone?
A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.
The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX
In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..
I have disputed XXXX accounts on my credit report that were taking off my credit reports before from the by XXXX other collections companies that had these accounts ( Please see attachments ). We have disputed these accounts with the collection company ( after seeing them on my credit reports and they never responded to my requests. from XXXX ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to Tex. Civ. Prac. & Rem. Code 16.004. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Short sale request was denied for a bogus reason.   I received a short sale denial letter yesterday that makes no sense and  Astoria i s not responding to me.   The denial letter states that the short sale was denied due to excessive fees and the offer was too low.   The fees on the seller side are NOT excessive - the 6 % realtor fee and 2 % transfer tax for Pennsylvania are traditional and customary - NOT excessive.   The sale price of this home is $  XXXX , which is the fair market value for this home. At this sales price, with all sellers closing costs deducted ( again - traditional and customary costs ) - with  NET Astoria  {$350000.00} - which is BELOW the payoff fo r Astoria.    Why woul d n't Astoria resp ond with a counter offer if this was the case - a rejection is just yet another way to delay this file.
JP Morgan Chase Bank has locked out the property located at XXXX XXXX XXXX, XXXX NY XXXX for several years. The property is a townhome located in the XXXX XXXX XXXX. The exterior of the property is in need of maintenance. The property conditions is far less than that of it 's attached neighbors and in the Association which is bringing the homeowner values down disparaging all owners in the Association. JP Morgan Chase does not return phone calls or written communications. The property has been vacant for several years and needs to be repaired.
The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXX
i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report.
I have disputed this issue with the credit reporting companies but have not received a final response. 

I had an account with XXXX XXXX XXXX , XXXX. Since XXXX/XXXX/XXXX, I have been paying the XXXX District Attorney on this account. Since XXXX/XXXX/XXXX, XXXX XXXX XXXX has been reporting a balance of {$2800.00} to all XXXX credit reporting companies. Signature Leasing failed to report to XXXX XXXX XXXX that I was making payments through the XXXX District Attorney. XXXX different companies were trying to collect on this account with XXXX reporting negatively on my credit reports. I applied for an apartment in XXXX, XXXX and was denied because XXXX XXXX XXXX was reporting it as a collection account for XXXX XXXX XXXX , XXXX. 

Had XXXX XXXX XXXX , XXXX reported to XXXX XXXX XXXX the correct information about the payments being made since XXXX, XXXX XXXX XXXX would not have been able to report negative information and I would not have been denied for the recent rental application.
We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.
Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.
Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.
Equifax mishandled my personal information and did not have adequate redundancies in place to prevent a data breach that affected myself along with 143 million others. They also failed to inform me immediately and I suspect insider trading occurred as a result of this. They must be held accountable.
I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.
On XX/XX/2018 three fraudulent transfers were made from my Bank of America accounts two from the checking account and one from the savings account through a service did not know about or ever used. Contacted the fraud department claim XXXX and made the police report Case XXXX. After days of running back and forth trying to do what they requested they denied the claim as they said the transfer was made from my device. I am not sure how it happened, but I told them I did not do or authorize the transfers. For decades been a customer but it did not matter, I have no way to prove it but those transfers were fraudulent. The burden of proof is on the victim not who committed the crime. The victims specially the elderly are being victimized losings all their funds. BOA is not only not protecting the consumer but also by putting the burden of proof on the victim.