WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I obtained a $ XXXX home equity line of credit from Bank of America ( then XXXX Bank ). Unbeknownst to me, the terms of this HELOC were : 10 year draw period followed by a balloon payment, with no repayment period. The typical terms for most home equity lines of credit are a 10 year draw window followed by a 20 year repayment period. During the financial crisis of XXXX, I was forced to max out the line of credit due to financial hardship from unemployment. When the 10 year draw period came to an end in XXXX, BofA ( Bank of America ) wanted a $ XXXX balloon payment. I did not have $ XXXX saved up to make a balloon payment. Also, my loan-to-value ratio prevented me from qualifying for a refinance. This situation forced me into a modification agreement with BofA. During the modification trial period, my credit score suffered collateral damage by dropping XXXX points even though I continued to make timely payments to the line of credit. The modification was completed in XXXX XXXX with the following terms : 180 months, fixed payment of {$380.00}, fixed rate of 3.25 %. Fast forward 7 months, it 's now XXXX XXXX. I receive another package from BofA with new modification closing documents. I call BofA for an explanation. The rep said there were minor changes to my agreement that amounted to my payment adjusting in small increments based on the number of days in that particular month. I specifically asked if I still had a fixed rate of 3.25 %. I was told Yes. I then said I would n't sign documents until the terms were appropriately reflected in the new paperwork. In response, I was told that 's not possible and furthermore, that if I did n't return these documents, my modification agreement would be void. Hesitantly, I signed and returned the modification documents. Fast forward another month to XXXX XXXX. I receive my first statement from BofA post the new agreement. My payment jumped from {$380.00} to {$490.00} and there 's also a note stating that in the next billing cycle, my rate will jump to 3.75 %. 
I am beyond appalled. I was blatantly lied to and taken advantage of. For starters, I should have never been put into the situation of needing a modification in the first place. If Bank of America would have put me in a consumer friendly product like most lines of credit that have a repayment period built in, then this entire situation would have been avoided. Now for them to force me into signing a 2nd set of modification documents that were purposely vague, confusing, and misleading is beyond sleazy. This situation is deserving of corrective action on the part of Bank of America.
This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP
XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX
I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible
A company named XXXX XXXX XXXX called my sister saying that I am involved in a civil lawsuit and that I need to call them immediately. They told her that I owe money that I am going to court and get sued if I do not call back. They said to give them a call at XXXX and tell them case number. I call them back and they say I owe them XXXX $ and if I do not pay it right this second they will increase the amount send me to court and I would pay thousands in litigation and court fees. They claim this amount is owed from XXXX XXXX which closed years ago and I have never ever received a notification from them, this is the first time I had ever heard about this. We call them back and tell them it is illegal to inform a third party of any legal troubles a person might have and that it is illegal to sue or threaten to sue. They keep transferring us to different people and everyone acts dumb saying that they contract other companies to make those phone calls and they ca n't control that. They hung up on us 4 times. They are a debt collector, claiming to be a law firm.
I ended my XXXX XXXX service. They continued to bill me for two months after. I called customer service after receiving a collection letter. I thought it was resolve buy now a whole other agency is harassing me. I also still have their equipment here ( TWO years later ) because they never sent me the XXXX return label they said they would send. I owe them nothing and have disputed this through the credit agencies twice now to no avail.
They were sending my information to the wrong address, by the time I received the information, it was almost past the 30 day cut off and it was a weekend. I called them the first thing Monday and gave them my information and was told that I notified them in time. I sent her ( XXXX ) the personal and financial information that she requested and she used it against me. Two weeks later they started garnishing my wages for {$500.00} plus a month.
HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.
While checking my XXXX  credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Since the last 8 months I am being charged a monthly fee on my Bank of America savings account.     I have been Bank of Ameri ca Checking account customer for almost 22 years and have had a Savings account sin ce around 10 years. I have never had a monthly fee charged for these years excep t the one  they started 8 months back.     I visited the  XXXX  BofA branch today (  XXXX / XXXX /  XXXX   ) and I was told that the fees are charged as I did not meet the conditions of my account. But when asked, the br  anch manager could not produce the original agreement I signed with these so called conditions.
They are doing a bait and switch. A condition get put on my account without any notification to me of the same. Instead of producing the paperwork and accepting there was a change in account requirement, the manager is questioning me why I did not come earlier. This is looting in broad daylight - ready to stiff even a long tenured customer!!!
Experian, I have been fighting this for a while, I was NOT late nor past 30 days on our time share with XXXX XXXX / XXXX XXXX XXXXXXXX ( See attached proof of our payments coming out of our account in XX/XX/XXXX ). This has to be corrected ASAP. False information is being reported against me.
XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.
I have paid in full the attached accounts balances and notified the credit agencies, but the balances still remain on my credit
My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Bank of America on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Bank of America did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, BOA had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized transaction.
On XXXX XXXX I HAD multiple failed attempts to a remove a 30 day late payment due to a financial hardship and also a mistake with customer service in which they waived the late payment fee however failed to explain that it will be included in the next month 's minimum payment caused me to fall behind. I decided to open a XXXX dispute. I was contacted almost immediately by someone I believe in the executive office who said she expected to get back to me the following Monday and if not way before XX/XX/XXXX. I am still in the same situation and today is XXXX XXXX, 2016 and I have yet to receive a call or response at all. 

I recently applied for an apartment because I have to move urgently however was denied because of a 30 day late payment from you guys I would like have it removed I have tried to always keep my account up date and it is negatively affecting me emotional and physically because i do n't want to end up in the street with a XXXX year old due to not being approved to no apartment. I have disputed it many times and I have been told by different representatives that yes it would be removed and nothing. I had a financial hardship but since then have always made payments. I 'm very disappointed that you would rather see a customer go and its seems as the customer is not important all that is important is the money to be made.
On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.
This company is in violation of Fla Stat 559.715 which states " a letter of assignment must be sent out within 5 days and the alleged debtor must be given 30 days to dispute validity of a debt prior to lawful collection activity being commenced. '' Balanced healthcare did a soft inquiry on XX/XX/XXXX ( which clearly violates the statute in question ) when most of my medical debts either have been pd in full or are on pymnt plans. 
I haven't received anything from this agency and last time they tried to collect on a debt it was to have gone through my insurance ( since i have ambetter from sunshine health since XXXX of XXXX ) The only 2 med debts i owe is to XXXX XXXX and to XXXXXXXX XXXX XXXX. Both of these are on pymnt atrangements and i have proof both have been pd on month after month. 

XXXX XXXX XXXX XXXX has been pd in full since XX/XX/XXXX ( i have proof showing the debt from this organization is at a XXXX bal ) .All XXXX XXXX XXXX bills have been pd in full through north amer credit services.
Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me.
Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to do a XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.
Equifax reported a hard inquiry to my credit/file, made from XXXX XXXX-OH,  on XX/XX/XXXX18. I had not done this inquiry so I disputed this inquiry with equifax and XXXX XXXX. XXXX XXXX stated they had not ran my credit/ did not send inquiry, their system showed they never ran anything for me and show nothing. I contacted equifax, and was told the only thing that could be done is for me to call XXXX and have them take care of it to get it reversed. So now, I have XXXX XXXX stating my credit was never ran and equifax applying a hard inquiry to my credit that I never did, XXXX XXXX states they didnt do and I am just stuck with a fraudulent hard inquiry.
While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say  they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Capital One ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to XXXX banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from them.
Thank you XXXX XXXX enclosed is a copy of the credit report that you show as owning from Experian, I have disputed with Experian and they state the company listed { you } validated the account you are validating an alleged account that you do not own and reporting on it. you stated in case XXXX you do not own this alleged account and you can not do anything on credit report, { then how can you report and validate this alleged account that you state you do not own Experian state you validate alleged account, please remove the account with your name and stop reporting on an alleged account you do not own