WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is discriminating against businesses and individuals involved with the legal purchase/sale/use of firearms/guns. They do this by increasing the interest rates and down payment requirements for those involved with Second Amendment lawful business activities. The Bank uses personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal. This is inappropriate use of their considerable size and financial influence.

I must point out that the US government bailed our Bank of America during the financial crisis, of which BoA was a major cause. They have used the bailout from the taxpayers to pay their executives higher bonuses.
On XXXX XXXX, 2015 my husband was treated by XXXX XXXX, this provider is a PPO provider with our insurance and they paid everything except for {$120.00} which I paid by check to XXXX XXXX and clearly stated the payment was for services rendered to XXXX on XXXX/XXXX/15. My check cleared XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received notice from XXXX that we owed {$61.00} & {$26.00} for these same services and when I tried numerous times to talk to XXXX XXXX with XXXX to explain this had been paid and send a copy of the cleared check, he advised they sometimes take the money and place it in different accounts but could not tell me why or where the money went. He then referred the matter to State Collection and they continue to write me repeatedly for the same services I have already paid to the XXXX and neither the collection agent or XXXX will provide a complete itemized bill showing where the funds went and what if any other charges we owe. I have spent hours on this and have incurred severe emotion upset because of this. I feel they have fraudulently taken my money and continue to ask me to pay the same charges. XXXX also stated they may have taken some of the XXXX money and put it on my charges, however, XXXX and I both have deductibles and I met my out of pocket this year so I have no way of knowing what was paid or where my money went. All I know is that I paid the full amount to the ENT that they are repeatedly requesting and they refuse to resubmit it for review to my insurance carrier which is required by their PPO contract with my insurance company if we owe additional money that the insurance company has not reviewed. At this point I have invested hours in emails, letters, research and discovery and have advised them I am charging them {$45.00} an hour for all the time I spend on this as well as mail, copying, research etc. Today just in my time alone they owe me over {$630.00}. Please help, I cant continue this. I have XXXX XXXX XXXX and we pay our bills I can not have this continue. 
Thank you so much XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
My mother died in XX/XX/XXXX. PNC was notified in XX/XX/XXXX/XX/XX/XXXXbecause she had a XXXX and was unable to care for herself and her bills. She was placed in a XXXX XXXX. They contacted us and said they would come out and view the property to take back in their debt with her. They came out to the equity home ( her trailer ) and emailed us that they were not interested in it. I informed them that she is not able to pay her debt that she was very ill. It was then sold to the county because mom could not pay for her taxes, XXXX XXXX, medical care and bills. She required numerous medical needs because of her very unstable health, most of which I had to help with as her daughter. She died in XX/XX/XXXX. Upon her death, I informed PNC that they had been harassing her in the XXXX XXXX by sending her numerous statements and letters after telling us they were not interested in repossessing the colleratal in XX/XX/XXXX. They said they would stop but it continued. My mother continued to read their mail and was terribly upset. I had asked many MANY times for them to stop sending to her. They continued. She had a very bad XXXX XXXX and XXXX XXXX XXXX. She ended up having XXXX XXXX, then another. The PNC letters and statemetns continued and to this day.
I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.
In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.
I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You
My daughter had a roommate back in XXXX. Apparently there were " move out '' charges to XXXX XXXX XXXX which were billed to her roommate. The debt was apparently paid in full on XXXX/XXXX/XXXX. However, in XXXX XXXX a negative delinquency appeared on all XXXX of my credit bureaus ( I am told I co-signed my daughters ' lease for her first XXXX apartment, although neither of us recall me doing so ). This is a full year and a half after the obligation had been met and resolved by her ex-roommate. At no time was I made aware of any outstanding debt to the apartment, nor was my daughter ever informed of such. They only communicated to the delinquent renter. 
My issue - while they are willing to have it removed, it can take until end of month before it 's sent to all XXXX bureaus - and then you add on however long it takes the bureaus to update. I am going for a new construction loan for a house I 'm building in FL. This single item on my report dropped me from XXXX to XXXX. This severely impacts any terms and approvals I will get on my construction loan. 
I 've maintained excellent credit my entire adult life - and this mistake - sending something which has been resolved 18 months AFTER it 's been fully resolved to a bureau to reflect on my credit rating - at a time when I 'm applying for this construction loan - is unbelievable. The fact they ca n't get it removed from the XXXX major bureaus, after having no issue putting it there in the first place, needs to be addressed. 
The credit reporting company is Meade and Associates - XXXX XXXX XXXX, XXXX, OH.
My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.
I am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on Equifax and XXXX. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. 
In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.
I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Currently, I have a student loan with  Navient,  who is formally known as  XXXX   XXXX . After reviewing my account, I discovered there were an addition al 20 plus thousand in  loans, " I did not take out. '' Would you please verify, where this came from? I do n't plan on paying for it at all!
In late XXXX I celled Navient in reference to getting information about their loan consolidation process ( and the public safety loan forgiveness program ). I was told to fill out the loan consolidation paper work and submit it. Once I got the confirmation letter stating that the consolidation was being considered, I called and spoke with a lady about the terms. Once she ( half heatedly ) explained the terms of the consolidation I declined it. She said she would note that I declined the loan consolidation and send me further information because I did not understand the terms. I stated on their recorded line several times during that conversation that I declined the consolidation and then we finished our conversation. I assumed that that was that. About four weeks later I get information in the mail stating that my first consolidation payment is due XX/XX/XXXX.  I called again and spoke to a gentleman who said he 'd speak to a supervisor about me declining the consolidation. They said that they would investigate the recorded phone lines and get back to me in seven working days. Now, I can not get any answers and the consolidation payment is due. I am concerned that if I make the first payment that that will seal the deal. Can they actually do this to me. The loan is for XXXX months and the interest rate is like XXXX  percent. I did not give them permission to do this. Can someone help me?
I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!
Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
I borrowed approximately {$11000.00} from Springleaf Financial. A couple months later I made a call to pay the entire balance off. The lender told me if I would leave a small balance they would report to my credit to improve my score. I asked if the interest would be on the balance only because I no longer needed the money they lent but did want a higher score. They agreed and told me I would not owe any payments until XXXX. I paid them {$10000.00} that day leaving an {$1100.00} balance. Statements were sent with no details of interest except {$0.00} due. Now years later they want to charge me interest on the entire XXXX. In other words they want to charge over {$7000.00} interest on a balance of {$1100.00} loan.
I opened what I thought was a XXXX 's store only credit card. Wells Fargo instead issued a XXXX 's XXXX XXXX card issued and administered by XXXX XXXX XXXX XXXX. In talking to them they said they gave me an upgrade to the XXXX XXXX card because of my excellent credit history. I never wanted or agreed to this type of card. I wanted and thought I was getting a XXXX 's only credit card, not a card that could be used at 3rd parties. My exgirlfriend unbeknown to me used the card to make electronic 3rd party purchases. She changed the billing to her email account with out my knowledge. I got a letter dated XX/XX/XXXX addressed to my mailing address, after I complained to Wells Fargo, saying they had reviewed my complaint for fraudulent transactions, and based on their research, I owed {$800.00} for purchases made at XXXX 's XXXX XXXX XXXX   location in XXXX XXXX, MO. I paid the amount in full and got confirmation # XXXX. On XX/XX/XXXX I got a letter saying they were issuing me a new XXXX 's XXXX XXXX card, I told they I didn't want it to close my account, at that time I thought this matter was over and done with. I sent them a completed and signed Declaration of Fraud and Forgery. OnXX/XX/XXXX I got another form letter with no documentation saying I now owed {$2300.00} I called and they said they would look in to the matter. On XX/XX/XXXX again with no documentation I got another form letter stating I now owed {$6900.00}. I called Wells Fargo again and they said they would look into the matter and get back to me byXX/XX/XXXX.  Totally frustrated by Wells Fargo I am seeking your help. See attached documentation
I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. 
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. 
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. 
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.
I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX/XXXX .
AllianceOne Recievables reported an alleged debt to the credit bureaus without ever making contact with the alleged debtor. FCRA allows a debtor 30 days to dispute a debt and request validation of the debt. This practice was not followed by AllianceOne prior to reporting to the credit bureaus. Currently I still have not had any communication with AlllianceOne either in writing or verbally in reference to the alleged debt. This act of reporting the debt without making any contact with the alleged debtor is illegal and violates Fair Credit Reporting Act statues
Ciitbank completed a compliance investigation that was required by law. According to the Citibank customer service department the investigation was completed satisfactory and the account blockage should be removed within 48 hours. However, the checking account was blocked since XX/XX/XXXX, and I have not being able to use the funds or withdraw the funds to close the account. 

On XX/XX/XXXX, I visited the Citibank Branch and met with Citibank XXXX XXXX XXXX XXXX XXXX ( XXXX ). I explained XXXX that the the compliance investigation started in XX/XX/XXXX and that I have provided all the documentation requested by the Citibank department. On my last conversation with the customer service department, they confirmed that the investigation was completed and that the removal should be process within 48 hours. XXXX reviewed my account and contacted several people over the phone and confirmed that the compliance investigation was completed satisfactory and that the blockage should be removed. However, He was not able to obtain a removal of the blockage of the account. 

Citibank is holding {$3200.00} fund in the account which i can not have access to even after requesting the closure of the account.
I paid my copay for medical services at the time of service. XXXX XXXX did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from XXXX saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them.