WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I have made an online {$1000.00} transfer from my checking account at Bank of America ( BofA ) to my checking account at XXXX XXXX ( XXXX ) using XXXX XXXX via my registered email address. The funds were debited the same day and never credited to my checking account at XXXX. I filed the claim with the BofA and waited 45 calendar days for them to complete investigation. As of today I'm still looking for my {$1000.00}. Ireceived a letter from BofA stating that they could not locate funds and advised me to reach out to XXXX. I have called XXXX and XXXX and both of them referred me back to BofA. Dead End! It looks like between Bank of America, XXXX and XXXX XXXX no one wants to be responsible for what happened. 
To me it is a lot of money and I'm not letting it go until found.
The multiple choice selections did not allow me to provide the proper response. My issue is that a medical debt has existed for over a year, and I never was asked to pay. I did not receive a bill and was not aware of the debt. The debt originated in XX/XX/XXXX, and I was not made aware until I was denied credit on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX, then called the original creditor today XX/XX/XXXX. They were close on the weekend XXXX XX/XX/XXXX ), and on XXXX day XXXX XX/XX/XXXX XXXX. The problem is that TransUnion has told me that the item must remain on the report for 7 years because it was a valid, and unpaid debt. If I am not mistaken, the fair credit report requires the company to provide a bill. The item was only {$50.00} and would be paid immediately if I knew it existed. The debt was paid today after I called the company to verify the debt was valid.
I have made two previous complains regarding Bayview Loan Servicing attempting to charge me for a major mistake they made in paying a cooperative which attempted a non judicial foreclosure against me. 
They were given notice in XXXX 2016 by the cooperative ( notice of default ) Bayview said, and did nothing They were given immediately responses from me denying that I owed the cooperative the money they sought. 
Bayview said, and did nothing They were then given two different notices of termination letters from the cooperative for each unit. 
Bayview said, and did nothing In XXXX Bayview received two notices of public foreclosure Bayview for the first time contacted me via XXXX XXXX XXXX ( XXXX ), who basically asks me : a ) if I was aware of the actions being taken by the cooperative, and b ) what I was doing about same. 
I informed him then that I was aware of same, and that I was filing legal papers to combat their claim, and further that I did not owe them anything of what they were stating. When I asked him what the bank was doing he informed me " the bank does not get involved with these type of issues '' and that I needed to deal with it. 
On XXXX XXXX I obtained a XXXX from supreme court staying the foreclosure. 
On XXXX XXXX the bank paid the cooperative an amount of money never requested of me. 
The bank at no time told me they changed their mind, or even informed me that they paid after the fact. 
It was not till XXXX XXXX that I found out the bank had paid an innocuous amount of money that had never been requested of me by notice or verbally. 

The bank has refused to provide me with certain information and has stated it provided information but failed to submit it. Proof is in Case number : XXXX and XXXX. 

They have tacitly admitted that there was a breakdown in communications between XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX ( attorney ) in XXXX 2016 however it does not make sense that they would wait till XXXX when they were on notice in XXXX of the claim by the cooperative and my response which disputed the matter. 
They continuously state that all negotiations must be done between the Bank but stated clearly by XXXX XXXX XXXX ... '' they do n't get involved with these issues '' It makes no sense. 

I have attached a copy of the assignment of collateral document. It seems to make no sense and looks like someone just made it up. It does not comport to any of the XXXX which clearly depict XXXX, XXXX, XXXX, XXXX XXXX XXXX as previous secured parties to Bayview and nowhere is XXXX referenced. 
Their information does not match, they fail to provide information requested twice previously which the documents seem to indicate they will provide but no reference to them is made nor attached ( e.g. leases for both apartments, stock share for XXXX, and XXXX is not clearly readable, recognition agreements for both units, full proof of succession for both units, etc.. ) The bank made a mistake and now wants me to pay for it.
I reached out to Loan Care for a refinance or assistance because i was 1 month behind and having trouble catching up. I asked what my options were to help resolve this. Loan Care put me into a loan modification program. We paid our mortgage 3 months in a row to see if we were worthy of the program. We were told not to make another mortgage payment until they completed the modification. I received paperwork that the loan modification was complete and notarized it and returned it to Loan Care. My wife called the next day to give Loan Care the tracking number and inform them that the paperwork was on the way. She asked when we would resume payments and was told that until the modification is finalized we would not know when or how much our mortgage payment would be, so we have to wait. I called Loan Care at least 3 more times the following months only to be told the  same thing. I call again in XX/XX/XXXX only to be told now that we are 2 months behind. We signed the paperwork on the XX/XX/XXXX and did not hear anything regarding the payment until our XX/XX/XXXX statement came on the XX/XX/XXXX that showed the updated payments from the amendment and now that we were behind 2 months going on 3. Loan Care refuses to take responsibility for their mistake and instead blames us for not knowing that we were to resume payments immediately after the modification even though every associate we spoke with during that time told us to wait. Now because we are showing as delinquent, we ca n't go elsewhere to refinance and all of a sudden Loan Care is out of options to help. They are only willing to take multiple payments from us so we can catch up and refuse to update the credit report even though it was their fault that we are behind.
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Equifax is reporting negative information from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP.  Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.
I called Barclaycard XXXX/XXXX/2017 at approximately XXXX EST from my husband 's phone with a simple request of seeking to confirm no recent card activity. After navigating the cumbersome automated system and entering all requisite information required, including several " for your security '' entries I finally reached a human. I should have known something was afoul when the frontline phone rep transferred me immediately after additional security information to " security. '' XXXX was who I spoke with from " security '' and alternated from interrogation to placing me on hold for the next 20 minutes. Thankfully, I keep excellent records and was able to immediately answer. After calling my home ( and waking those sleeping ), she came off our third hold event. The lines of questioning included which bank account I had made my most recent payment from, what was the payment amount, when was the payment made?
These were all events that took place several months ago. Given I value my time with my family and consider the amount of time spent on hold and answering the less than friendly line of interrogation from the phone representative, I indicated I was " considering whether or not I should continue my relationship with barclaycard. '' The rep thought she had some sort of " gotchya '' moment and said " she should continue?!? '' I was not sure what she was implying until she said this, as apparently she insists I was my husband. Great, sick and accused. So now instead of having my credit balance refunded and account closed, XXXX enumerated all of the " requirements '' for " identity validation '' in order for their " security department '' to clear my straightforward request at the end of the call to close my account and have the annual fee refunded. Really, I am supposed to pay you an annual fee for THIS type of customer service? I have received better treatment in communist nations! I believe XXXX needs to be retrained, as this is not how you retain customers in any form whatsoever.
Between XXXX and XXXX of XXXX, Equifax suffered a data breach, due directly to their lack of digital security. A simple and easily available penetration test series by a professional organization would have found and prevented the data loss. This information is IMMUTABLE. IT CAN NOT CHANGE. So, I am left with a problem that will be MY problem for the rest of my life, thanks entirely to poor security practices. As someone that works in XXXX, in XXXX, protecting your and their XXXX data, it galls me to think that a company that I did n't have a choice with maintaining a file with, has damaged my life like this. 

DO SOMETHING.. XXXX.
I foolishly accepted a loan from XXXX XXXX XXXX in the amount of {$1400.00}. XXXX XXXX XXXX is a predatory payday loan lender. The payment schedule is {$490.00} per pay day which is extreme. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$1400.00} loan, the fees collected should be {$210.00}. On the XXXX XXXX XXXX website within my account portal, the link to the payment schedule does not work nor does the link to my loan documents. It is impossible for me to see when this loan will be paid off. I do know that paying {$980.00} per month ( on months with two paydays ) or {$1400.00} per month ( on months with three paydays ) is because I am being charged an excessive, bordering illegal interest rate. 
XXXX XXXX XXXX preys on individuals in financial difficulties. It is disgusting, appalling, greedy and should be illegal. They hide behind tribal laws to take advantage of consumers with few choices. 
I fully accept that I must repay the {$1400.00}. I also accept that I should pay the {$210.00} fee for a total of {$1600.00}. I do not accept that I should be paying {$490.00} per payday!!!! At that rate, I will never get out of this cycle which is what " companies '' like XXXX XXXX XXXX hope for. 
I want to settle my account with the following payment schedule : {$200.00} per payday beginning XXXX XXXX. I will make 7 payments of {$200.00} with a final payment of {$210.00}. My first payment will be XXXX XXXX with my final payment made on XXXX XXXX. I want my account marked Current/Good Standing.
I receive balance transfer checks from Bank of America all the time and have used these checks to pay off higher interest debts with interest free balance offers using these checks. In XX/XX/XXXX, I used one of these checks which offered 0 % interest until XX/XX/XXXX. I paid {$150.00} transaction fee to use this check, but I saw on my statement this month that I am being charged interest on the outstanding balance. 

I called BofA and was told that there is a new exclusion that you can not make the balance transfer check out to yourself. If this new rule was included in the offer letter, it was not clear or obvious at all. I have always made the balance transfer checks out to myself, deposited the check into my checking account and subsequently made payment to whatever account I needed to pay off. I have done this many times, but suddenly, they change the rules without making it clear. Very misleading ... and a financial burden. I've already paid {$150.00} upfront transaction fee, and now I've been charged {$75.00} interest just this month alone.
Navient despite saying they would put a hold on calls, are still calling my co-signers nonstop. 
They are also misrepresenting my loans. I am paying later in the month but they are paid before the payment is due for the next month. They are saying they are two months late when that is n't true. 
Harassing distressed borrowers is not helpful or ethical. 
I think they are harrassing them because I am defaulted on loans without cosigners. I have no hope so at least they could not verbally harass my cosigners and they should not lie.
Complaint # XXXX should not have been closed just because XXXX XXXX   responded refusing to do anything. In XXXX I received an escrow surplus of {$1500.00} with a form ( attached to original complaint ) to add more to the escrow acct to cover any increases in taxes and insurance. I returned this form with a check for {$500.00} in XXXX. I was notified in XXXX that my XXXX payment was being increased {$20.00} to cover an increase in taxes. I complained to MB and they ignored me. I complained to CFPB and you have apparently accepted MB 's response. On or around XX/XX/XXXX, MB Customer Service Director, XXXX, called me and admitted they had more than sufficient funds in my escrow acct to cover the increase but refused to analyze the escrow acct and adjust the payment. Yesterday I discovered that my monthly mortgage auto draft to XXXX XXXX had not drafted and was several days late. I called MB found that XXXX had cancelled my auto draft payment. I had no knowledge and received no notice of this cancellation. This is clearly retaliation and could have damaged my credit. I immediately requested the ach be re-instated and that someone higher than XXXX call me. This is abusive behavior by XXXX XXXX. It makes no sense to refund escrow funds greater than the increase in taxes and insurance. Please stop this and allow mortgage holders on fixed income to keep their payments down. Why does MB deposit funds to the escrow account to cover increases in taxes and insurance yet does not apply those funds for the stated purpose. MB has both deposited my {$500.00} check to my escrow acct and collects {$20.00} a month more each payment to cover increased taxes. How is this acceptable?
They increased my student loan interest rate, nearly doubling it. This happened in XX/XX/2018. They have been contacted and informed of the increase. They have given no reason for the increase. And they have opened a case to recalculation the student loan interest rate. But they have yet to correct the student loan interest rate to the right percentage.
My husband and I had a mortage on our house. We paid it off early and notes were always paid on time. Just recently I got a copy of my credit report and the mortgage was not on it. The bank was dissolved a few years ago. I contacted another bank that has taken over and many of the employees were with the original bank. They told me that it was not the policy of the original bank to turn in the credit to the credit agencies. ( What??!! ) They suggested that I get a Deed of Trust from the county office to send to the credit agency which I did. The credit agency said they do not accept anything from individuals, just institutions. On the deed of trust is the information that the maturity date of the final monthly installment was XX/XX/2023, so obviously we paid it off early. I want that to be on the credit report because it was the largest loan that we ever had. Can you help me?
Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the XXXX data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.
FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.
I opened the Gold Delta American Express card with the intentions to get a {$200.00} credit on my purchase with Delta. 

I made my purchase with Delta and They will not issue the {$200.00} credit to my account.

This is clearly false advertisement from both Delta and American Express.
On XX/XX/XXXX, at appx. XXXX EST, a call was made to IQ Data in an effort to obtain a settlement. The representative was so rude and condescending. She even went so far as to tell me that the client informed them that they are in the process of purchasing a home and since they know they have to pay this debt, they are refusing any settlement. She even threatened not to offer settlements and threaten not to delete the debt upon settlement. That is not the scary part. The most unnerving part of this ordeal was when I asked to speak with a manager, I was denied. The representative pretended to transfer me to a manager, kept me on hold, then disconnected the call. I called back, trying to speak with a manager and was denied and transferred back to the same representative. This time the conversation started off smooth. I was no longer trying to negotiate a settlement. I wanted to get a statement of the account to provide to an Escrow agent to see if they would approve paying for this debt for the client. Again, I was denied. I was threatened to be hung up on multiple times. I begged and pleaded to speak with someone else anyone else. The next agent came on the line and started off polite. However, she " lied '' and claimed the correspondence that I was asking for was emailed to me back in XX/XX/XXXX. I searched and advised it was not received. I politely asked for them to forward that email. I was denied. Finally, I disconnected. I was overwhelmed with anxiety, emotional grief and turmoil after dealing with company.
on   XXXX   XXXX  2017    i recieved a letter from midland funding llc. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( midland funding llc. ) I went on to the credit beauro 's sites and posted disputes not one but twice after midland funding refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
Yesterday evening ( XX/XX/XXXX ) I attempted to use equifaxsecurity2017.com to check whether my information was part of a hack Equifax experienced this summer. Instead of allowing me to simply check my status, it enrolled me in their XXXX service immediately upon entering the information requested, and asked me to check back in next week to confirm my enrollment. I do not consent to their service. 

According to Equifax 's website ( equifaxsecurity2017.com ) this evening ( XX/XX/XXXX ), my  personal information may have been compromised by their hack. I have been unable to contact Equifax to receive further information. As of XXXX EST this evening, their phone only gave a busy tone. I then called again at XXXX, stayed on hold for 56 minutes until the hold music stopped and only silence could be heard on the other side of the line. ( I then stayed on the line for at least another 15 minutes  hoping someone might notice me. ) Equifax provides no email address to contact them. 

I do not consent to waive my right to be part of a class action lawsuit against the company, nor do I consent to the use of their services. I have been unable to find a way to contact XXXX to request more information regarding my status on these issues.
COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I signed up for a promotion for XXXX XXXX after completing specific requirements. 

" Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.
I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.
The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX
No verification has been received on this account through this company, this is inaccurate and false and NO verification XXXX XXXX XXXX
bank of america is harassing me and reporting incorrect information about a crdit card account that doesnt belong to me there were fraud charges and they allowed the card to remain open and be used after i otified them, they cotninue to add fees and charges that dont belong to nme and i have disputed this account for over a year now and they are doing nothing about it except harassing me with over a dozen phone calls a day when i also asked those to stop as well
I am complaining about Citi Bank. 
The Citi Bank card which never has been activated was fraudulently charged. 
The Citi Bank refused to investigate fraud and closed the card instead. 
Ruined my credit history.