WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. BOA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
To whom it may concern, I had my credit account enrolled in automatic scheduled payments. The account was to be debited every month in the form of an ACH payment of {$100.00} from my financial intuition that I enrolled to pay the credit card bill. Both my financial institution and credit card that I was making payments towards were effected at the same time with fraud. I had XXXX accounts closed and then opened new accounts with each party. Because of this fraud on both accounts my auto pay program was then terminated from both sides. The company I pay my credit card bill to did not notify me of any changes in any manner, email, call, text, letter, etc.of this occurrence and to update my billing information. A few months later I 'm now left with a late payment on my credit card report and that is affecting me when I 'm currently trying to get a loan to buy my family our very first home. I 'm asking this manner be looked into and me be relieved of the XXXX late payments i now have on my account due to this fraudulent activity.
On or about XXXX XXXX, 2014, I applied for a loan consolidation serviced by Navient. It has recently come to my attention that Navient is being sued for unfair and deceptive practices. Upon further review of the terms and conditions of the consolidation application, specifically clause " G '', I have become concerned that Navient " may '' convert my department of education loans to private loans, raise interest rates and/or deem me ineligible for certain repayment plans and/or student loan forgiveness programs. Clause " G '' is vague and deceptive. I have heard of other borrowers whom experienced the aforementioned conversion and I am formally objecting to any such conversion. I am now worried about the most recent loan I took out through Navient for XXXX school education, whereby I am seeking a degree in human services. I would have never agreed to the terms and conditions used by Navient if it was made clear I could become ineligible for student loan forgiveness in the future, as I plan on working for a non-profit organization after completing my XXXX program. 

In addition, I 'm worried that Navient has or could misappropriate my payments or any other calculations regarding my loans and/or interest.
My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.
Impersonates as a 'Marshall '' as in a law enforcement officer. leaves very threatening voicemails which you are not supposed to leave personal information on a voicemail since you could be compromising someone 's privacy. Falsely claim that there is a court case and that I will be arrested unless I pay today, etc., which of course there is no court case and all claims are false. I have repeatedly told them to stop calling and they refuse and insult me.
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.
Credit Acceptance Corp. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX
Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.
Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.
First and foremost I want to say that Capital One is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I have two credit cards with Capital One that show inaccurate late payments. I don't recall ever paying these accounts after the due date. I have asked Capital One to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One to me is attached to this complaint. At this time, I would like Capital One to update these two accounts to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.
I 'm complaining about Credit bureau Transunion. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and everytime someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Transunion about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report : XXXX XXXX ( X/XX/17 & X/XX/17 ), XXXX XXXX XXXX XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX XXXX ( X/X/17 ), XXXX ( X/XX/17 ), XXXX XXXX-Credit card ( X/XX/17 ). <P/>Second dispute with Transunion was two public records ( bankruptcies ) on my credit report. I spoke with a customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the two public records again with Transunion and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer service rep and he stated that Transunion never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Transunion, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Transunion need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
I had 9 accounts that were negative and became late in early to XX/XX/XXXX2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file.

One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that Transunion sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. XXXX has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, Transunion, XXXX and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.
I am an American citizen living abroad at the time being. I initiated withdrawal from my COINBASE account via a XXXX payment to my bank in the XXXX on XX/XX/XXXXat XXXX XXXX XXXX time. ( reference number XXXX ) I had an email from coinbase saying it would reach my bank by XXXX XXXX 2017 It shows as COMPLETED in my coinbase account but my bank has had no such transfer. I have contacted coinbase via their email support however that support has been suspended. I attempted contact on their contact form by selecting " XXXX payments " from their drop down menu and was unable to submit the form due to their technical error. I was finally able to submit a complaint on their form by selecting " unable to buy and sell '' but they have failed to respond. I have tried 5 times to update my contact form in order to get a response but can not get any response at all from coinbase. There is no phone number to ring and no email to email. I am worried I have lost my XXXX XXXX. Please advise how to proceed. Many thanks
After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.
I reported the fraudulent account it was removed from my XXXX Credit reports The fraudulent charges are still being reported by XXXX. Ive filled a report with XXXX and the collection agency. My score went back up but the collection account is still on my record.
I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,
Opened an account with capital one but they are claiming that checks got returned so they froze the money i did have in there and closed my account n access i neef to pay bills and the checks the tslk about i didnt do them..
Opened a Citibank account on XX/XX/2016 under a promotion of receiving {$400.00} for depositing {$15000.00} within 30 days and keeping it there for 30 days. I opened the account online through a promotional page for the offer. Deposited {$15000.00} on XX/XX/2016. The terms stated that I would receive the bonus 90 days after completing the requirements. I called on XX/XX/2016 about the status of my bonus and was told that I should receive it on my next statement. However I did not receive the bonus on my XX/XX/XXXX statement. I called and they refused to give the bonus and say they need to perform research. There are clear systematic inconsistencies with their account opening process as evidence by the large number of CFPB complaints for this same problem.
Citibank offered a {$500.00} bonus for qualifying account and activities. Upon completing all qualifying activities, Citibank did not pay me bonus. Have emailed and called numerous times. They say they are working on it. I was assured by banking representative, XXXX XXXX, that I did qualify and I would get paid. I still have yet to see the bonus cash. I believe I was mislead/tricked into opening an account. They advertise for bonus, tell me I qualified for bonus, yet refuse to pay me. Very deceitful company. They should not be able to advertise bonuses to trick people into opening a accounts. Should be down right illegal.
The incident occurred Saturday night XX/XX/XXXX. I woke up the next morning ( XX/XX/XXXX ) and noticed that I did not have my debit card and there were 4 unauthorized charges on my checking account. Two ATM withdrawals ( {$200.00} & {$240.00} ) and two charges at XXXX XXXX in XXXX ( {$1000.00} & XXXX ). I called Chase immediately to file the claim and cancel my card. They cancelled my card and sent me a new one, and I was told a claim was filed to dispute the charges and I would be notified with updates. I called back the next day to check the status and I was told that their system was down and I needed to refile the claim. While on the phone the second time, they logged two separate new claims for me, one for the ATM withdrawals and one for the XXXX transactions. I received a temporary credit for the full amount. Two weeks later all temporary credits were reversed. I called in to understand why, they told me that the claims were denied because whoever used my card had my PIN, along with some other reasons that I felt were less than satisfying. I have never told or given my debit card PIN to anyone. I went in to a Chase branch to try to gain some more understanding and the banker attempted to re-open the claim, but was told that they can not re-open it because the person who had my card had my PIN, and I ultimately was told there's nothing I can do. Now I am out {$2400.00} and I don't know what else I can do, but I feel that I am owed this money and Chase was less than helpful in supporting my fraud claims.
Wells Fargo  refuses to close my escrow account on my mortgage. I bought a home in DC in   XXXX   XXXX    Originally, I did not want a escrow account but was told by my original lender that taking out the escrow account would be complicated during the middle of the closing process for our home. After we closed on our home, our mortgage was soon transferred to  Wells Fargo.      I asked  Wells Fargo  to close my escrow account for both taxes and insurance. They first told me they could not because  Wells Fargo  has a policy that only escrow accounts at least  1 year old  can be closed out. I asked for a copy of the signed agreement that requires me to wait 1 year before closing the escrow account. They continue to fail to provide me a signed agreement showing me I am legally bound to wait 1 year.     They closed the tax portion of my escrow account after I contacted them a few more times. I asked them to close the insurance portion of my escrow account. They then again cited their  one  year requirement and refused to close the insurance portion of my escrow account. I asked again for a copy of a signed agreement. They again could not provide a copy.