WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.
1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.
I am filing a complaing against the credit bureau Equifax based on the recent security incident that was reported on XXXX XXXX 2017, yet occurred months earlier in XX/XX/XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
On Friday, XXXX XXXX, XXXX, Equifax informed me through their status portals that my credit has not been compromised, when in fact it was.
OK so XX/XX/2018 was a Friday afternoon. I called XXXX to try and settle a debt That I have in the amount of {$470.00}. After explaining to an agent what I was calling for they then looked up my account and tell me that I had another account with them as well. After they explaining to me the amount on the second account that I have with them. They proceeded to ask me how I wanted to take care of the accounts. I then explained to them that I wanted to pay {$470.00} and pay off one of the accounts. I also explained with pain that I would like to have a paid in full for that account I was paying towards. They then told me that they couldnt give me a paid in full receipt until I paid the second account as well. I feel since theyre two separate accounts they shouldnt fall under the same account and I should be able to get a receipt for two different accounts. One of the accounts that they were also wanted to collect on I have disputed it with XXXX XXXX and XXXX and has been taken off my credit report so I dont feel I have to pay that to them since it has been disputed. So my concern is paying them {$470.00} so I can get a paid in full receipt for that account. That one account is holding me back from getting an apartment of my own so I can have somewhere to live. If I could get some kind of resolution I would greatly appreciate it.
On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the XXXX website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX
I tried to contact Equifax on XX/XX/XXXX. I went to the link on XXXX XXXX ... .at the website i began to file the complaint and after i had given them personal information and my social security information, it proceeded to a page asking for my credit card details. I then called the phone number provided to submit a claim and it was a circular automatic voice menu which never allowed me to submit a claim by phone. there was NO phone provided to actually contact a real person at Equifax. Once I did get through and gave them all my personal information to then file the complaint, she then proceeded that she needed to verify my account with all the details of credit report, not one, not two but, pretty much more personal information that was unnecessary to the complaint at hand. I found that the request for this information was highly unusual and suspect. I finally googled how to file a complaint and proceeded to read about all the complaints starting in 2012. Why is this company still being able to report on anyone 's credit standing? 

XXXX XXXX
This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX
The credit bureaus, Transunion, XXXX and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
This number ( XXXX ) has repeatedly called and I just received my number today, therefore I have no connection to this company. I called them back and they immediately demanded my name and social security number. I verified my phone number with them and explained that since this is a new number to me I have nothing to do with them. They continued to demand my personal information and became rude and aggressive when I told them to stop calling me. They still refused to say anything other than they were a debt collector trying to collect from me. I do not owe anything to them.
My account with XXXX XXXX is still being reported. However this account was closed in 2014 when I purchased a new vehicle. XXXX XXXX  has manytimes refused to submit a timely response to my questioning concerning this account.
I had my card shut off and contacted the company. I was told my payments would only be {$55.00} a month and had been paying roughly $ 75 monthly just to help pay a little extra. I started getting letters saying my payment was falling behind and that my minimum payment was {$140.00} which was not the agreement. I then tried several times to contact Capital One and when I spoke to customer service, they were very disrespecful and accused me of lying to them and giving false information. I was told the account number I was providing is not in the system yet I keep getting letters saying I 'm behind on my payments with that account number. I contacted the complaint department that is listed with the company on this site just to receive XXXX messages to call them. I since have called numerous times and never can reach anyone. I have even left a message asking to call me back with no such luck. And now its going against my credit. I have filed with the XXXX and they did n't really help and said with no documentation they could n't do anything even though everything was on a recorded line. 

I have since been in constant contact with Capital one attempting to do everything on my part to get the issue resolved. I have the names, dates and times of everyone I have spoken with. XXXX XXXX ( spelling? ) Is who I have XXXX been in the most contact with. After a month and a half of calls back and forth and being told to make payments he later told me that no matter what I pay my balance would increase and there is nothing they will do to help. 

Also on the photo I uploaded. It only shows online payments made and will not show payments mailed in or made over the phone.
We opened a Care Credit account when I had some major dental work done about 18 months ago. We have been making the payments every month - three weeks early. We get the statement online on the XXXX of the month and the payment is made by the XXXX and due on the XXXX. We do not receive paper statements nor have I ever received an actual card. When the online statement comes up on the screen, there are only XXXX options - pay minimum amount or pay amount in full. The minimum payment is filled in for us and there is no option to type another amount. At this point I was fairly certain most had been paid off. On the contrary - I am OVER my credit limit. I found this out today when I inquired about tacking on some extra onto the " card '' because my daughter needs her wisdom teeth taken out. After an hour of going round and round with them with their canned statements and them helping us navigate to a part of the site they said we should have been looking or just found on our own to see a myriad of bogus late charges that make no sense, we discontinued our conversation. So the only option with them is pay the minimum which automatically comes with late fees that increase your balance OR pay in full. They confirmed with us that that is their practice. So I guess the {$220.00} XXXX they had to pay out for Deceptive Marketing and the XXXX XXXX they paid in Care Credit Refunds just 18 months ago when they were " formerly known as GE Capital '' did not teach them a lesson. And the building similar complaints and even complaints now as Synchrony Bank are not deterring them from monster deception.
XXXX / XXXX / 2017  I saw this offer from BoA http  : //promo.bankofamerica.com/300offer/.   And direct deposited more than {$4000.00} before  XXXX / XXXX / 2017 . And I have n't received any feedback. After contacted their CSR on  XXXX / XXXX / 2017 , they said they are working on it. But never received the bonus as the moment.
I'm demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )
Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.
Wells Fargo, the worst bank ever, to manipulate your savings and checking accounts, to their benefit and create fees that lead to overdraft fees, when infact your account IS NOT IN A INSUFFICIENT STATUS! My wife and I are retired and on a fixed income. We have been banking with a local credit union for many years and a few years ago that there would be additional benefits to having another bank, so we opened a savings and checking account with a small branch of Wells Fargo, located in a XXXX store. We did notice when opening our accounts that the WF branch had " NO SECURITY '' what s ever. The Teller cages are in the open and banking clients are seated side by side and required to discuss their private and personal financial matters while being subjected to sharing a closet like room with the bankers and WF clients. This is totally against FDIC rules for privacy and security. We 've brought this security and privacy issue to the officers at this branch and they tell us that the WF home office is working on a plan, but this dialog just keeps going on year after year. My wife and I work with a WF assistance vice president/personal banker. We 've had the recurring problem, that Wells Fargo will manipulate our accounts, allowing them to charge fees for what they claim to be insufficient funds. They even charge fees to transfer OUR FUNDS from savings to checking. In seven days XX/XX/XXXX the stole a total of {$82.00}. When we went into the branch to discuss this issue with our WF ass't VP/personal banker, at which time she left this closet office, where my wife and I are standing shoulder to shoulder with other banking clients. She returned with a woman we had never seen or knew and this person proceeded to get in my face and without privacy or security and ordered us out of the WF branch, in front of XXXX and the whole world. Fortunately I walked away and since then I 've been attempting to have WF refund the {$82.00} they stole from us and now the Ass't VP, a employee of WF of XXXX years will not speak with us and refers us to the rude person who told us to leave their unsecured office. When I Googled ; Wells Fargo Complaints ; I could not believe what I was seeing. WF has XXXX of complaints for the very reasons we are requesting our {$82.00} to be refunded, which WF is dening. This is so WRONG in so many ways, and WF needs to make restoration to us and ALL the XXXX they are, have been and are continue to do illegally on a regular basis. Have you ever heard of the 21st Century Act, created by Busch, that supposively gives banks the right to extract funds from customers accounts without their knowledge and only finding out when WF notifies you that your account has insufficient funds and they'very charged your account with OD fees. 
WELLS FARGO NEEDS TO BE STOPPED FROM DOING THESE ILLEGAL ACTS OF THEFTS AND THE BANKS OFFICERS AND STAFF!!
EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Equifax and XXXX XXXX have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date. 

2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XXXX/XXXX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Trident Asset Management LLC Several Letters were sent to Trident and letters to XXXX  for a validation of debt for a XXXX bill. I called XXXX and they had no info on this account, I asked Trident for verification and they sent me a itemized bill with the wrong name. After I told them I want the original contract with my signature, I never heard from them. 
Certified letters were sent to Trident on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also directly to the physical address c/o XXXX XXXX ( CEO ) and XXXX XXXX XXXX, compliance Manager, which came back return to sender ), and a final letter sent on XX/XX/XXXX. Im really upset that they had the audacity to send me a settlement letter from the XXXX. XXXX XXXX address and it was dated XX/XX/XXXX.
I applied and provided {$3000.00} to obtain a secured credit card in XXXX 2017 from Union Bank of California. The card was stolen from the mail. The closed their investigation on XXXX XXXX, 2017 in my favor. I called today to get the status of my card and they advised that I was was delinquent on my account and that I could not receive my card until the bank investigates further which may take another four days. If I had not of called the bank on XXXX/XXXX/2017 I would never of received my card.
Debt collector falsely reported that i made a payment of XXXX $ to keep my account active. Maybe to restart the clock on when it is inactive? 

The company who owns the debt is iq data international
I had a case opened with equifax here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX