WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have a joint credit card with bank of america XXXX. This card was solely to be used for vacations due to the rewards and great benefits of being XXXX members. In XX/XX/2018 we increased our credit limit on that card to {$4000.00} for a much needed summer vacation. The following month in XX/XX/2018 my husband lost his credit card and unfortunately the card was used to purchase merchandise in a retail store 'XXXX XXXX XXXX ' to a tune of {$3700.00}. We called in the fraud claim and the credit was reversed in our favor. A couple of months later the fraud charge was still there. We called in to Bank of America and they stated that the claim was reversed because we made the purchase. Very confusing because the card was not in our procession at this time of purchase. We called in today, XX/XX/2018 to confirm that we received the sales receipt that had the signature of this purchase -- and it was not our signature on the receipt. We faxed in to bank of america the signature verification form of both our signatures to prove they do not match this fraudulent signature. When we called in we asked for on update and the represeantive stated that we stated that we never received the cards which is a false claim. We were also told that the original claim was opened as an dis=tue not a fraud claim all of which is an error on Bank of Americas end not ours. We further found out that on the day of this transaction it was declined twice and who ever had the card called into bank of america to confirm the purchase was valid. Again this is very suspicious. Furthermore they are claiming that this person called into the bank of america call center from my phone which is another false claim. We have been battling with Bank of america for 5 months about this charge. This charge is out of the normal spending habits on our account and we should not be liable for this charge due to the burden of proof we provided bank of america. My concerns now due to this claim still being active on my account we are past due on the account and have a late payment which inturn is effecting our credit scores which will directly effect the ability to obtain any futex credit and or effect my ability to refinance my home loan which we are planning to do. This is a very serious matter that bank of america is using every loop hole not to assist there customer in any way. We received a letter that this was reversed in our favor and then it wasn't. We made this purchase because someone called in and approved it, very confusing from a consumers end. I hope that this can be resolved in the most expeditious manner possible - so that my credit report can be cleared of these fraudulent charges. 
Thank you XXXX
i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my account.
XX/XX/XXXX I received an offer from Citi Mortgage advising me that my mortgage was owned by XXXX and that I qualified for a Trial Modification Program under the HAMP starting XX/XX/XXXX. I sent the proposal to my attorney, XXXX XXXX XXXX for review. He contacted counsel for Citi Mortgage and was told that as soon as I made my first mortgage payment under the trial program, they would not foreclose on my property. I made the first payment in XX/XX/XXXX in accordance with the agreement. XX/XX/XXXX I received letter from Citi mortgage assigning me a special processor that would work with me throughout the trial period. That XX/XX/XXXX, my attorney was advised that my house was foreclosed on by Citi mortgage. I attempted to communicate with Citi verbally and through email and they would n't communicate with me. I sent I the XX/XX/XXXX and XX/XX/XXXX payments to Citi in accordance with the Modification agreement ( payments sent certified mail with return receipts to support payments made on time, my checks were cashed within 1-3 weeks of receipts ). I asked Citi to advise me when I would receive the permanent modification agreement documents in accordance with The HAMP and received no correspondence from them regarding this request. 

My foreclosure XX/XX/XXXX may have been vacated so I was advised that Citi Mortgage was once again going to foreclose on my house in XX/XX/XXXX. The last Monday XX/XX/XXXX I received a call from XXXX, representing XXXX advising me that I might qualify for another HAMP. Yesterday I spoke with a certified counselor at XXXX XXXX and she advised me to file this complaint and also start the modification program again with XXXX. 

I am in a position financially where I can afford to make the payments on my mortgage under the original trial modification program that I entered into with Citi XX/XX/XXXX. The counselor that I spoke with ( XXXX XXXX, XXXX ) yesterday said I would be receiving an application package from XXXX within 48 hours to see if I qualify for another HAMP program. It is my desire to have my mortgage modified under the HAMP program. 

I believe that Citi Mortgage violated the original terms of the HAMP program that I entered XX/XX/XXXX and I am asking for your help to make sure that Citi mortgage does not foreclose on my house and allows me to enter into another trial modification program under the HAMP program. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXXXXXX
In XX/XX/XXXX, my husband and I decided to go through XXXX XXXX XXXX, including this account. I had forgotten to cancel my automatic payment in XX/XX/XXXX and called and spoke with the Recovery department, who advised that all future automatic payments would be cancelled, as I requested, and confirmed they are receiving payments from the XXXX company and their proposal has been accepted on my account. In XX/XX/XXXX, my automatic payment still was drafted. I called Customer Service who told me I was responsible to do that online, which I disputed, because the rep I spoke with the month before did not tell me I needed to go online, they told me they submitted the update themselves. The rep attempted to transfer me to an escalation and I stayed on hold 25 minutes - I hung up and called back, the rep then stated she would have a Supervisor call me back, which I never received. The next day, I called in and requested my payment be returned because they would be receiving my payment through XXXX company. I found out two weeks later it was denied because of my obligations to make my minimum payment. My XXXX company made my payment of {$110.00} - so they received two minimum payments. When I called back and re-requested my payment be returned, the rep stated that she thoroughly documented what has happened and I should be receiving my refund of my payment made XX/XX/XXXX to XX/XX/XXXX account, because it is clear that two payments were made by me. One in error by this company. It is the holidays - return the funds to my account immediately. This is their error - I have been given inaccurate information, representatives have shown no urgency and no follow-up to complete requests, and have kept funds for a payment that was no longer authorized. The representative I spoke with from the Recovery department on XX/XX/XXXX assured me no other payments would be taken out and sure enough, the XX/XX/XXXX payment was drafted. Keeping this payment and denying my request is unjust and unfair. I pay you every month - and prior to going into consumer credit counseling, paid you much more than the minimum payment. Please return the {$110.00} from XX/XX/XXXX to my checking account. It might not be a lot of money to you, but it is to us.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I paid off my mortgage with mr copper XXXX XXXX  XXXX XXXX XXXX, Texas XXXX on XX/XX/2018 it has almost been 1 year and they still have not sent me my lein release for my home. I have called them at least once a month for the past 11 months and they tell me its in with there legal team, I have asked to speak with the team and they say there is know number they can give they will get back to me and they never do. I would like to sale my home but I can not do this with out the release form. I have done my end of the bargain and paid my loan off. I am asking for them to give me what is mine and I get the same answer for the past 11 months. Can you help me please Thank you, XXXX XXXX Ps. I have attached a copy of the paid in full letter claiming my release was on its way to being processed back in XX/XX/2018
My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.
On XX/XX/XXXX Citibank contacted me. Customer reference number # XXXX. They stated that I was enrolled in an optional credit protection and I was charged a monthly fee. This was never listed on my monthly statements. I submitted my claim and I was enrolled without my knowledge. On XX/XX/XXXX, I received a credit of {$1400.00}. They have not provided me with a statement of how they arrived to this amount. I can not obtain any additional information. I 'm concerned that XXXX XXXX and XXXX has the same business practice.
I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
On XXXX XXXX 2016 I again received marketing email from Bank of America ( yes it is marketing despite what Bank of America calls it ), with the subject " Oh sn-app. Check it out. '' In my previous complaint about this to CFPB, dated XXXX/XXXX/2016, Bank of America responded, " we have determined that the email you are receiving regarding the mobile application is not considered solicitation. As an online banking user, Bank of America considers the use of the mobile application as part of servicing our client 's needs. '' In their response, Bank of America went on to say " In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XXXX XXXX, 2016, Please allow up to 48 business hours for the changes to be fully effective ''. However, on XXXX XXXX 2016, I again received this same junk/spam/garbage email with the subject " Oh sn-app. Check it out. '' Perhaps Bank of America has changed the definition of time itself. Their response was on XXXX/XXXX/2016. The next unwanted ( marketing ) email they sent me was on XXXX/XXXX/2016. Well let 's see - is the time difference between XXXX/XXXX/2016 and XXXX 2016 more than 48 hours? Apparently, for Bank of America, this time difference is LESS than 48 hours. 
Bank of America appears to be completely detached from what they say they are going to do to remedy my concerns, and what they actually do. Again, as I stated in my CFPB complaint dated XXXX/XXXX/2016, Bank of America has changed the definition of marketing email. NO OTHER FINANCIAL INSTITUTION I HAVE DONE BUSINESS WITH IN THE PAST 15 YEARS HAS BEEN AS PERSISTENT IN THEIR PURSUIT OF SENDING UNWANTED ( MARKETING ) EMAIL AS BANK OF AMERICA. But Bank of America, by unilaterally changing the definition of " marketing '', continues to justify sending this junk/spam/garbage email. 
If a client has told Bank of America they do not want this type of email, then obviously it does not meet their needs. I have told Bank of America I do not want this email. Many, many times. For over 10 years I have told them this. But they continue to send this. 
So at best Bank of America is full of themselves ( of course there is a better word than " themselves '' that would describe what Bank of America is, it starts with the letter 's ', but I want to keep this professional ). 
So for how many more years do I need to tell Bank of America that I do not want this email that they are sending me? Is n't XXXX decade enough for Bank of America to get the message? Obviously not. Bank of America knows they can get away with this 's ', and as long as they know they can get away with it, they will continue to do it. I can only imagine how the people who lost so much money due to Bank of America 's manipulations of the financial system over the past XXXX decades must feel.
I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted. 

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.
Loan Balance was paid off in full during the Month of XX/XX/XXXX, for remaining balance of original loan of vehicle which was considered a total loss in XXXX. Made several significantly large payment during XXXX in an effort to pay off balance owed after money received from insurance company. Santander reported a delinquent payment in the month of XX/XX/XXXX, one month before this account was paid in full which is drastically affecting my credit ratings at this time and was not appropriate action.
The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.
This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -
Around XX/XX/2017 I went to the hospital due to being injured at work. Which turned out to be workman comp. My company paid for the bill and later I end up with collection letters and statements saying I owe the money. I tried on several occasions to contact the hospital and they wont speak to me saying I'm a third party.My manager has shown proof that they were paid through workman comp.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Macy 's credit has contracted with outside collectors in the XXXX, XXXX, XXXX, and other area codes. Their credit department is located in Ohio and none of these area codes are Ohio area codes.This means, they have sent my information to contracted collectors throughout the U.S. to attempt to collect a debt which tye refused to take smaller payments on until my finances recover. I had a faulty electrical wiring fire in a home I rented in XX/XX/XXXX and finally got into a new home XX/XX/XXXX.I am a XXXX. This will enable me to complete the process of catching up with my Macy 's bill, the ONLY overdue bill I have. I am concerned about people knowing where I live, work, and ruining my reputation XXXX in which I work and live. Macy 's had no business giving out this information to contracted debt collectors. 
Debt collectors call my home phone and cell phone no less than 10 times a day. I have placed a " tracker '' on my cell phone and XXXX XXXX has records of all the calls from Ohio and other area codes. My phone records can be retrieved from XXXX for my home phone. They also call my adult daughter 's phone looking for me.
East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.
FINANCIAL CONTROL SERVICES XX/XX/2017 Address : XXXX XXXX, TX XXXX Phone : XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FINANCIAL CONTROL SERVICES or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FINANCIAL CONTROL SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX