WillisBack/dataset-financial-user-claim huggingface dataset:
My name is  XXXX   XXXX . I am having an on-going problem with Bank Of America. I feel like they have discriminated and criminalized me for things that happened within my account that simply can not control. I recently had an issue with Bank Of America where 3 months ago someone fraudulently made purchases on my account. I was accredited that money back from BOA with the assurance that everything is ok and it was evident that someone took my card and made fraudulent purchases. On my payday, I woke up to see that on  X/XX/2017    BOA waited until my direct deposit dropped and took money from that deposit to get back the money that they gave to me after someone made the fraudulent purchases. After talking to numerous BOA representatives, I 've realized that they have come to conclusion that I was the one who had been making the fraudulent purchases. Several BOA representatives have told me that in order to get my money back I will need to get a police report. With that being said I made the clear decision to take time out of my work schedule to file a police report. In the mean time I had no money but fortunately I had a check from one of my family members that I decided to cash on saturd ay (   X/XX/17    ). The check was for {$7000.00}. Now I am no stranger to how depositing checks work. It usually takes a few business days which i am aware of. But, on  X/XX/17    I woke up to an alert saying that my bank account has been $ - XXXX  insufficent and my check wouldnt get processed until a month later. I have deposited MANY checks from BOA, most of which were close to the {$7000.00} check that I deposited and it NEVER took this long. I believe that ever since the problem with the fraudulent activity BOA has been treating me unfairly. I am very upset and offended that a bank that I have invested many years into, has been treating me as if I am a criminal. Not to mention that the person who wrote me the check is a family member and is on record to have wrote me checks close to the {$7000.00} check and NONE has bounced or considered to be fraud. I would like to see all of my money back, insufficent charges off and I would like to be released from this bank. I literally have no money to get to and from work, all because BOA has decided tho treat me unfair.
MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX
I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.
This company is trying to collect { {$890.00} } from me for a debt they claim I owe. I have disputed thIs demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill and an agreement from another company that does not bear an actual signature, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. 
I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,
I called TransUnion today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent XXXX hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit.
Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from XXXX, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see TransUnion offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.
I accidentally made a double payment on my Lowes account in XX/XX/2017. I cancelled the payment scheduled for XX/XX/XXXX to correct that not realizing I could not do that. XXXX XXXX contacted me several times and 2 different persons told me id I caught up this missed payment they would forgive the late fees. I did as they asked and ignored the late fees as they had told me they did not apply. However, every month after that they added more fees until my {$67.00} payment due increased to {$130.00}. At this time I borrowed this amount from my neighbor and paid the amount they requested to keep my credit in good standing. Synchrony continued to add fees until the current balance owed is now {$340.00}. I have spoken with them on several occasions but without a good outcome. I have contacted Legal Aid, LOA and Veterans Administration ( I am the widow of a veteran XXXX on XXXX XXXX ) who did not even bother to respond. I am supposed to be eligible for legal assistance as a XXXX era widow. My lawyer suggested I contact you for assistance as she could not help me.. I live on a fixed income and have not the resources to pay Synchrony what they are asking. Incidentally, this account with Lowes is over 20 years old and has been paid in full several times.
My XXXX account is reflecting inaccurate information based on the company not removing and deleting this account as paid in full. Originally this company known as Central Financial Control also known as Syndicated Office Systems issued a settled in full letter instead of a paid in full letter. This has affected my XXXX information in a negative manner. The Fair Credit Reporting Act has been violated. Statutes that have been legally compromise are as followed : 607- Compliance Procedures Title B- Accuracy of report. 611- Procedure in Case of Disputed Accuracy Title A-Reinvestigations of Disputed Information. 617- Civil Liability for negligent non-compliance.
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Prime Acceptance Corporation. I requested a validation on XX/XX/2018 and again on XX/XX/2018 as I had not received any correspondence from creditor to validate this delinquent account as factual. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and has not been updated to reflect my dispute of this account. I do not believe that this account nor the amount stated as owed is factual and this account continues to negatively affect me.
Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.
I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.
On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
10 months ago I was unable to make my regular monthly payments due to a job loss and was instructed that If I made minimum payments until the balance was below my credit limit the card would be unrestricted and I would be able to once again use the card as before. After making 8 monthly payments on time and in the amount required I finally was below the credit limit of the card. I was still unable to use the card as before and when contacting the credit card company was now told the credit card would be permanently restricted from use without an explanation as to why? Given that I complied with all their requests in good faith making monthly payments on time, I also paid the annual membership fee on time and complied with all their requirements, it seems that the credit card unfairly deceived me into believing that my credit would be restored when in fact that was never going to happen.
continue to report a bankruptcy as discharged and it was dismissed. see documentation of closed and dismissed see below
I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst bank.
Re : Comenity Bank for HSN credit card On XX/XX/XXXX I made a payment for {$40.00}. early and for more than the minimum due On XX/XX/XXXX I reveiced an email I was late, I logged into my account to find a returned payment fee and returned charge and it said my payment was returned XX/XX/XXXX. 
I immediately called Comenity, after numerous calls with different answers, I was told to send in my bank account statement. 
On XX/XX/XXXX I faxed my statement for XX/XX/XXXX-XX/XX/XXXX to show there was nothing returned. After waiting weeks for a response, I was then told this was not sufficient enough and they needed a letter on letterhead from my bank stating that nothing was returned. 
On XX/XX/XXXX I went to the bank, got that letter on letterhead signed by the braanch manager and faxed it to them. It states nothing was returned by them from XX/XX/XXXX-XX/XX/XXXX. 
This is still not sufficient for them and are continuing to ask for more information and not making corrections to their mistakes. 
I have done everything starting with making my payment in good faith earlier than required and sending all proof twice that nothing was returned as they claim it was. 
Whatever mistake was made on my account was not by me and I am getting charged for it and with 30 days late on my credit, for the 1st time in 2 years. I was in good standing until this. 
Not only did they wait to inform me of a problem with my account until it was into a 30 days late status then charge me and put a bad mark on my credit. 
They are also sending bills 1-2 weeks later than payment due date.
I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.
My Capitol One Quicksilver account ( Credit line of {$20000.00} ) was closed in XXXX due to inactivity, which has been disastrous for my credit score since it was among my oldest and largest lines of credit. In over a decade of having the account open, the account has never been delinquent, which I feel would make Capital One consider me a long time valued customer. I never received a warning or any notice whatsoever that the account closure was imminent. Only long after the account was closed did I receive a notice that it had been closed. Needless to say I am shocked that I was never alerted via the website, mobile app, email, phone, or at least sent a regular post letter giving me time to address the situation. Had I been made aware of Capital One 's intentions, I never would have allowed this account to be shutdown. 

According to the Credit Card act of 2009, HR 627, SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. ( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED.- ( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED .In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 

I should have been notified that my account was being closed 45 days before any action on the creditors part was taken. 
I have spoken to customer service agents on two separate occasions ; once back in XXXX when I found out the account has been closed, and once today ( XXXXXX/XX/2018 ) after finding out that another Capital One customer in the exact same predicament as myself was able to successfully get their account re-opened. The URL below links to a twitter feed from this person : XXXX XXXX   XXXXXXXX XXXX Upon further internet research, I've have seen additional evidence to find that Capital One indeed does re-open accounts if they were closed by the creditor, not closed by the consumer. 

XXXX : XXXX # XXXX When I asked the Sr. Account Supervisor I spoke with today, ( ID # : XXXX ) how my account was closed without my knowing, and who can make the decision to reverse this, I was told that it's on a " case by case basis '' and he refused to discuss the matter further. When asking who I could further inquire to beyond his abilities, I was told that his superiors, however, he refused to give me any information on how to contact these superiors except for the fax number and PO Box for general correspondence. 

It is discriminatory that Capital One 's policy seems to be able to grant preferential treatment randomly to whomever they deem deserving of leniency.
the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.
I just became aware about this debt in collections. I had never received a notice that was account with the creditor is in default nor that I had a missing payment. I became aware about this debt through a job that I was recently applying for. They notified me that because this account is in collections and the resulting derogatory marks on your credit score, that they would not be able to hire me until this is resolved.
On about XXXX XXXX of this year I applied for and was approved for a Bank of America Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. 

On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.