WillisBack/dataset-financial-user-claim huggingface dataset:
I believe my consumer protection rights were violated by Bank of America and I would like to file a complaint. 
A brief description of what took place, here below : on XX/XX/XXXX, I called Bank of America Customer Service and requested to have my credit card with new expiration date sent to XXXX. I was there working on a project and my card was to expire in XX/XX/XXXX. I spoke to Customer Service Representative and gave him my temporary address information to ship the card to. I was told that everything was taken care of and that I should receive my card within a week. Next day, XXXX, I received an email from Bank of America informing me that my card was sent to my US address. I contacted Bank of America on XXXX and informed Customer Service Representative that my credit card was sent to the wrong address despite my request. While waiting for the Customer Service Representative to check availability of shipping options, all of a sudden I was transferred to a Senior Credit Underwriter. That appeared very strange to me. I was not asking for a credit limit increase nor was I applying for a new Bank of America product. I simply wanted my credit card with new expiration date to be sent to alternative address. Senior Credit Underwriter informed me then that she could not send my card to XXXX because there was an extended fraud alert on my credit. I never placed one. Senior Credit Underwriter also stated that she was not able to verify my identity. That sounded really strange to me considering the fact that I provided both the Customer Service Representative and Senior Credit Underwriter with all the necessary information to do so, including my phone number and email address. At that point I had no choice but to close my account. I was actually forced by Bank of America and/or its employees to close it since Bank of America and/or its employees were not favorable to me and acted to my detriment. A week later I received correspondence from Bank of America, sent to XXXX, informing me about my recent credit request on account # XXXX, letter # : LL XXXX XXXX XXXX XXXX. I was informed that my credit report was pulled and that I needed to call XXXX number to continue processing my request. I did not grant nor gave permission to Bank of America to view my credit. I did not apply for any products and/or services. In XX/XX/XXXX, I received another mail correspondence from Bank of America, letter # : AU XXXX XXXX XXXX XXXX. The letter informed me of enclosed copies of items recently requested. These included account summary and transactions from XX/XX/XXXX - XX/XX/XXXX. There was a new balance total of {$290.00} and the due date was XXXX. I never requested any statements from Bank of America nor had I any balance on the card. I closed the card on XXXX with XXXX balance. I am looking forward to hearing from you soon as I would like to resolve this issue once and for all.
Curtwright & Klein, LLC called me using XXXX. The person callling refuses to identify himself. I 've asked him 5 times not to call me at work because I can be fired. They use vulgar language and threaten me with legal action. They are a collection agency not the original creditor. I am writing the state attorneys General Office for Texas, and also copying the debtor 's so-called " compliance '' department regarding violation of the FCRA because Curtwright & Klein use of threats, other means, use obscene or profane language, falsely represent that the debt collector represents a state or federal government, gives me misleading information on the amount or legal status of a debt and declare it is " Pre-Legal '' giving the false implication that debt collector is an attorney or law enforcement officer, or that nonpayment of a debt will result in arrest or imprisonment, and cause my telephone to ring repeatedly with intent to annoy, abuse or harass. Please enforce the law regarding this type of horrible harassing behavior.
After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX Hospital, the file is again reopened for a XXXX time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file
I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks
Navient bought my student loan from XXXX XXXX on XX/XX/XXXX. My loans have always been in forebearance or deferrment. As we all know before a deferrment or forebearance is approved sometimes there are late charges that the company then removes. I had no late fees with XXXX XXXX when my loans were taken over by Navient. Now all of a sudden in XX/XX/XXXXaround XXXX they are telling me I owe them late fees and upon their research they happened at XXXX who number one never serviced my loans and number two as previously stated there werent any. Im finding it very strange that number one they took over loans in a complete amount and Im not sure how they think they can add late charges from another company. Im not sure what kind of deceptive business practices this company is trying to pull but Im not having it. These fees are fraudulent and all of a sudden and they are incorrect!
A massive security breach was exploited on Equifax data affecting 143 million people. Executives of the company sold their shares before releasing the information about the hack, 3 months later. I am beyond furious that my information can be so clumsily kept and stolen by a company with this much responsibility in one 's own finances. And yes, I am one of the 143 million affected.
During credit repair, it was pointed out that I have this account showing up on two credit report, XXXX and XXXX. I do not have any contract with this company and never heard of them. I believe that the credit repair company said this was a medical debt claim, which would then be a violation of HIPPA Laws, as I have NEVER contracted with any medical provider to have anything publicized that I am recieving any medical services or treatments with them or any other company or provider. I also receive XXXX, so I have XXXX, as well as XXXX to cover all medical bills. Each medical provider is notified up front and knows what is eligible and what is not. The insurance carrier that combines those together to be billed is XXXX XXXX XXXX and I have previously contacted them about providers abusing me by billing me when they know they are not permitted to do this. I believe this company may fall into that category.
NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank. 
The debt is being disputed and must be proven within the next 30 days. Verified and validated. 
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX   XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent. 
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX. 

CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. 

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. 

This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.
Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!
A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.
Ameritech Financial has not been paying any of my students loans although they have been extracting a monthly payment amount from my checking out. Ameritech Financial is a servicer in which they claim to consolidate your students loan for a cheaper monthly amount. However, i had to pay a percentage to Ameritech along with my payment plan in which Ameritech gains access to my educational loans and pays my loans. So they have claimed. For the past several months i was away XXXX and received calls of Ameritech wanted more documents for my file. At the time i understood although i was suspicious in why they wanted more documents and pay stubs. I could barely talk and notified the person over the phone that i was not home and it would be a while before i was able to get any documents. I also knew once i arrived home, i will be able to sit down and better understand what exactly was wanted. Upon my return home in XX/XX/XXXX, i began looking into my credit report and it stated i was behind one my students loans. I discovered my debt had only increased. Furthermore, i was receiving and still am receiving emails from XXXX stating i have been missing my monthly payments. This discovery became more so clear when on XX/XX/XXXX i received a letter from the Federal Trade Commission ( FTC ) stating that Ameritech has been sued for deceptive practices. I realize the money i have been paying since XX/XX/XXXX, has been going directly to Ameritech and not my loan debt. 
On XX/XX/XXXX upon receiving the letter from FTC, i called Ameritech regarding this whole issue. I was only greeted by a costumer messenger who would only take my contact info for a call back within 24hrs from a actual case manager or agent. At roughly XXXX hrs EST time on XX/XX/XXXX, i received a call from a XXXX from Ameritech telephone number XXXX. I discussed the issue in play. I requested to have my money back. XXXX put me on hold on more than one occasion stating he will run it with the billing department. He then said it was denied. XXXX was not understanding about the situation. He said he might only be able to give me the money for the services Ameritech was not able to complete. I told him no service was done since my monthly payments were not going towards my loans. I am now behind in more debt because of this deceptive practice to lure people in. I kept attempting to get my money back. It was also mentioned on the steps i should take according to the FTC letter. 
I had my membership/plan canceled. XXXX said should have a conformation letter emailed within 24hrs. 


Ameritech Financial # XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX XXXX, CA XXXX Tel- ( XXXX ) XXXX When i initially enrolled the person who guided me is XXXX XXXX . 
Email- XXXX XXXX
My student loan was purchased by XXXX from XXXX. Without telling me, they changed my auto debit minimum payment due to more than triple the amount I had been payint, from {$310.00} to {$1000.00}.
I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX
I do n't have a job to repay so I ca n't repay due to no funds.
On XXXX XXXX, I purchased a clock radio from XXXX XXXX for {$110.00} on line. I paid by credit card, and delivery was promised within XXXX - 7 days. We allowed about 2 weeks for delivery ; however, the merchandise never arrived. At which point, I made several attempts to contact XXXX ; however, the phone number has been disconnected, and the website taken down. When we received our XXXX credit card statement showing the {$110.00} charge I immediately contacted Elan ( XXXX XXXX ) of XXXX ND to have the charge reversed. I was told they would send a dispute, and once completed I should fax it back to XXXX XXXX XXXX completed the form and faxed it back, several weeks later XXXX called and said they did n't have it. Again I faxed it back. In XXXX, the charge again appeared on my card statement. I contacted XXXX who said they did n't have the form, so they are charging us, but we can still send in the form for consideration. On XXXX XXXX I faxed the form again. On XXXX XXXX, XXXX left a message saying since it 's been so long, we would need to provide more information for the dispute to be considered. On the evening of XXXX XXXX, I called Elan, and granted permission for my husband to speak on behalf. He was told we needed to contact XXXX XXXX again to try to resolve the dispute. Again, the phone has been disconnected, and the website has been taken down. My husband was told they have to follow XXXX 's rules. Further XXXX will contact us in XXXX - 48 hours. I understand rules, but there is nothing more I can do. I have always paid my bills on-time. Further, I do n't routinely file billing disputes, so I expect to be treated fairly by Elan. I want the charge removed from my account, and expect I will not be charged any interest for the period of time it 's on my account.
" I requested my annual credit bureau report from 3-credit bureaus, especially EQUIFAX " EFX '' recently in XX/XX/2018 in order to make corrections nonagreeable charges, such as secure credit card and dispute inaccurate information against XXXX XXXX XXXX for XXXX XXXX XXXX XXXX , XXXX ''. 

" There are other reasons such as " Other problem getting your report or credit score '' ... The EFX telephone agents and managers are engaging in deceptful practices by choosing to ask random questions about my past and present history after advising that it will help them ( she ) to process this request via phone. Then after successfully finishing, I am asked to mail two photo ID 's again to them for their needs '. 


" Each time, I am declined credit, I have contacted the 3-credit bureaus with this request but " Unable to get your credit report or credit score '' from at least mentioned, EQUIFAX INC. " EFX ''. Fraudulent enquiries and inaccurate REPORTINGS via third-party unknown EQUIFAX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX.