WillisBack/dataset-financial-user-claim huggingface dataset:
Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat.
This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.
XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.
I received a American Express Card offer in the mail. The rate disclosure about their penalty APR says : " The ( penalty ) APR may be applied to new transactions on your account if : 1 ) you make one or more late payments ''. If Amex is applying their 29.49 % penalty APR after 1 missed payment, they fly in the face of the CARD Act, which states " Card issuers generally are prohibited from increasing the interest rate on an existing balance unless the cardholder has missed two consecutive payments. '' I have been a XXXX for 40 years ( probably one of the oldest on the planet! ), and I witnessed my clients struggle due to many of the credit card abuses. I was thrilled with the passage of the CARD Act, and I am reporting American Express because I do n't want the industry slipping backward. I will keep the offer and the Truth in Lending Disclosure in case it 's needed as evidence.
I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.
Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
Macy 's incorrectly ships XXXX replacement orders when they receive the returned items. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.
I was pressure to sign up with Citi Credit monitoring service and did so for years paying for something I did n't user or understand.
I applied for a mortgage refinance with Bank of America in XX/XX/XXXX. Recieved conditional approval on XX/XX/XXXX. After several weeks of communicating with XXXX XXXX, Loan Officer, and XXXX XXXX, Home Loan Specialist, they XXXX abruptly stopped responding to my e-mails and phone calls. My loan was ultimately cancelled for " failure to respond to requests ''. After several weeks of calls and e-mails, I was put in contact with XXXX XXXX, VP Operations, who had XXXX XXXX contact me. XXXX XXXX informed me that despite the fact BOA was in error, I would be required to reapply for the loan, which I did. The XXXX application was conditionally approved on XXXX. Even though XXXX XXXX had promised to do everything possible to expedite the new application, the scenario in processing the new loan was almost identical to the original application. The XXXX loan was also cancelled due to " failure to respond to requests ''. Ironically, the cancellation happened on the same day that I faxed the latest information BOA had requested. For the last two weeks I have been in correspondence with Processing Manager XXXX XXXX, who also promised to " get personally involved '' in closing this loan. Her assurances, like those of everyone else I have been in contact with at BOA, have been worthless. I am at this time waiting to hear from her as to the status of this application.
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 

At some point I did being getting collection letters and I was disputing them directly with the creditors. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report.

Bank of America has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the account that was fraudulent and needing to be blocked back in the fall of last year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. I didn't even get a copy of my XXXX report for months so I wasn't aware this account existed.
Repeated calling and getting hung up on. They text and email you to call them. Reps hang up when it's not what the company wants to hear.no real attempt at helping or listening to customer concerns.
On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.
I was working with XXXX XXXX from Pacific Financial Corporation on a refinance of my home. At a certain point he wrote an e-mail to me indicating my loan was approved. He said all I had to do was get an appraisal ( and have it appraise sufficiently high ). I wrote back clarifying that the loan was for a 30 year XXXX fixed with {$2400.00} in closing costs. He said yes and indicated the loan was definitely approved. To be extra clear, I indicated to only proceed with the appraisal if we definitely got the loan at the above rate. After the appraisal went fine, he said we would " close on Monday. '' On that Monday, he sent me another e-mail indicating my closing costs would go from {$750.00} to {$15000.00} ( but he encouraged me to just do it ). I was angry. He said he would re-imburse me for the appraisal over the phone. And then he stopped returning my phone calls. This is predatory fish and bait lending. He lied a number of times. It has been quite a blow to my family.
I have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.
I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.
RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.
TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.
We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely XX/XX/XXXX
On XX/XX/2018, National Enterprise Systems ( Ms. XXXX XXXX ext XXXX ) called my employer without my permission attempting to collect a debt. I never have spoken with them to give them acesss to call my employer. They are causing me distress at work. They have threatened me while at work. They continue to harasses me.
Debt was paid to original creditor, they do not own the debt per their own statement. They refuse to remove even though it is invalid and refuse to provide any information.
I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request
On XX/XX/XXXX, US Bank, a banking institution, domiciled in Minnesota, received a money transfer for me through electronic transfer, ( ach ). They proceeded to tell me the funds were not in their possession, even though, XXXX XXXX, confirmed to me, the funds left their possession, and they did not have them anymore. US Bank then told me they would be available, potentially in 2-3 days, once they confirmed they had them, even though I was told by the distributing company, XXXX, that they were transferred. 
At the same time, I wrote a check to The XXXX XXXX Tax Collector, dated XX/XX/XXXX, postmarked that same day, and mailed at the US Post Office, located in XXXX XXXX, CA. on that same day, XX/XX/XXXX. 
US Bank cleared and reduced my checking account by the amount of that check on XX/XX/XXXX. That is not physically possible to receive and clear a check in one day, at the same time they are telling me my funds are not available. 
When I called them, to ask them about this behavior, I was put on hold indefinitely, then told I could talk to a manager, which they then transferred me to another rep, not a manager. I was told I would be called back in three hours, which never occurred. When I called them back the following day, XX/XX/XXXX, after I saw online what happened. I was rudely talked to by a manager, and told that she was recording the call without my permission, and if I did the same, she would hang up. I hung up at that time. I believe the bank is using " float '' to deceive the consumer, without their knowledge, or agreement.
In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.