WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.
Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.
I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.
On XX/XX/XXXX my 401k check in the amount of $ XXXXCk # XXXX check was sent to my soon to be ex-wifes address where she took the check and sent it through Bank of America night depository account in XXXX ga. Ive contacted and done everything Ive been asked to do to get my money back and no one wants to help me at all. 7 long months I have suffered a financial hardship due to a negligent act from this bank. 
The bank has tried to tell me this is a joint account. Ive never had a bank account with Bank of America and certainly never will through all of this. 
I have waited almost 7 months trying to get my money back from this bank. I have no job and this was my source of survival. How can this bank be this negligent? How long can I expect it to twk to receive my money back?
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX  1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. AFNI INC. Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.
I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.
I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.
Still showing statements from SANTANDER CONSUMER USA on experian credit report with a balance of {$22000.00} and a past due amount of {$10000.00} from XXXX XXXX, 2016 which is inaccurate information on my report because I have been a victim of identity theft ...
I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.
I traded my car in on XX/XX/2018 at XXXX XXXX in XXXX ga they accepted the trade which is documented on my contract on XX/XX/2018 my payment for the traded in vehicle was due on XX/XX/2018 ( 13 ) days after i traded in the vehicle on XX/XX/2018 a late payment was recorded on me and my cosigners credit even though i had no ownership of the vehicle from XX/XX/2018 i have called the owner of the loan they say i have to get a paper from dealership i call the dealership was told they would get the document a week later i went to dealership because of no response and was informed they would get document but i may or may not help another few days go by nothing i have filled complaint with XXXX also reviewed on XXXX and now am in process of doing direct dispute with bureaus
I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to t he US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.
XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
I recently pulled my credit report and noticed there was a collection from Professional Debt Mediation for {$450.00} dollars, that was opened on XXXX/XXXX/XXXX for an apartment in XXXX ; however, I moved out of XXXX in XXXX and have n't returned to this day. Someone must have impersonated me.
This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my account.
Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.
I had a citi card i never mis a payment. Until. XXXX. ot 2015. They close. My acount for return check. They keep electronic depicting. My bank account. even after i called and told then i had a family emergency.plus they never gave me a credit. Increase. Can you please look into this.thank you.
i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.
My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC. 
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information. 
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.
When l checked my XXXX  credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.
On XX/XX/2019 XXXX XXXX contacted my father on a private, state issued phone ( he is a state police officer and that was his work phone ) which is not a number I had ever provided them with. They gave him private information about my debt and it's current status and told him they are taking legal action and that he needs to hire me a lawyer. I contacted them the same day and questioned how they even obtained his private work number and told them to stop contacting him and to only contact my number and gave them my number and made sure it was verified by them twice verbally. The on XX/XX/2019 my father was again contacted by XXXX XXXX   and told that I am being sued and need to hire a lawyer because I owe them money. They continue to call him on his private work line and I have requested that they cease and they have not. I have also explained to them that I am a college student and would pick my payments back up when I had the money as I do not have it now. I will be calling them again today to ask them once again to stop harrassing my father since they are calling him instead of me about MY DEBT.
I am a  XXXX   XXXX   XXXX  veteran. On my report for  XXXX  there are  XXXX  ECMC accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.
I recently started working on my credit I saw that I have 25 hard inquiries on Equifax,11 on XXXX , 12 on XXXX I called the company on XX/XX/XXXX asking to either dispute or remove these because they were not authorization each company told me they would dispute them seeing as XXXX had there breach last year and Equifax this year within a couple days I received emails saying they were completed so I tried to check there status I was n't able to access online so I called today XX/XX/XXXX and was told they ca n't dispute it and even though they unauthorized there was nothing they could do
Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
On XX/XX/2017, I purchased XXXX ETH ( Ethereum ) from Coinbase for a price of {$500.00} on my XXXX credit card. 

Since then, it has been marked as a Pending transaction for two months. In that time, the value of my purchase has doubled XXXX. 

I've opened 3 separate support tickets from XX/XX/XXXX to XX/XX/XXXX, and they have been unwilling to credit my account for the XXXX ETH I purchased. Eventually they just stop replying to my emails. 

They have already charged my credit card and taken my money, but will not give me what I paid for.
Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!