WillisBack/dataset-financial-user-claim huggingface dataset:
I called Bank of America to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Bank of America credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Bank of America. As soon as I can I will close this account. Is there anything that you can do to help me?
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with TransUnion, XXXX and XXXX credit bureaus. Over the last week XX/XX/17-XX/XX/17 it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( TransUnion, XXXX or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
I was an  XXXX   XXXX   XXXX  customer for several years before, on their suggestion, I switched to their  XXXX   service ( after th ey had bought  XXXX   ). I kn ew I was moving in around a year, so I vehemently asked and asked about early termination fees, and was told I was n't subject to them because I was already a customer. I was required to pay some of the installation fees over the phone then. When technicians visited my home to perform the install, I once again asked about early termination fees and was not told of any. After they installed the equipment, and after they charged me the final installation fee, they then asked me to sign their agreement on their electronic device. I once again asked about early termination fees, and they said none.     Fast forward a year, I request to close my account because I 'm moving. My bill comes with a {$340.00} early termination fee. I disputed this with  XXXX  and  XXXX   XXXX   XXXX , wrote a letter to their Office of the President, and was finally told they would n't reverse the early termination charge. They even told me they 'd just draft the money from my bank account I had been using for autopay, even if I removed it from my account and after I, in writing, told them they were not authorized to draft from my account. They still tried.     I heard nothing for several months until  XXXX    XXXX   when they handed the account off to Diversified Consultants (  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL,  XXXX , (  XXXX  )  XXXX  ) who I never received any statement or letter of debt from, nor any phone calls. I would not have even known this was a " collection account '' if not for checking my bureau.     I do not owe this debt, I have reported it to the FTC for deceptive business practices and my  state AG. I will  be filing a lawsuit against both  XXXX   XXXX   XXXX  and  Diversified Consultants.      *Attached is a certified letter sent to  XXXX   XXXX   Office of the President  .
Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct it.
On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.
I have sent in all required documents to the credit reporting agencie Experian that I was a victim of identity theft and showing the accounts were not mine. I have disputed these items for over a year and nothing has came across to show that I owe this debt. I have even disputed again XX/XX/2018 and got a response back XX/XX/2018 with no investigation it vervication again saying they will not change or look into it. I have ask numerous times please show Me a contract or something showing that I even owe this account and nothing has happen. I called the creditors as well and nothing this is my final plead to get this resolve.
Fidelity Information Corp is reporting to XXXX an account that is not mine as a result of ID theft.
XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You
I have been a XXXX XXXX member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. XXXX XXXX was one of those. XXXX XXXX removed itself from the program and I took over making the payments myself. I continue to receive statements from XXXX XXXX and make payments using the XXXX XXXX website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted XXXX XXXX to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).
I have been working with Bank of America for over 3 years now trying to lower my monthly payments. I had a trial period but it was still to high. I am a single mother of XXXX small children and their father does n't always pay child support. I have been sending in document after document to bank of America and they said they are working on it. Then i just recently called them and they told me that the person who was working on my claim " Dropped the ball '' and did n't put the paper work in after it was received. and now i just found out that my house was put up for auction but i was never notified and i never recieved anything in the mail to tell me.
I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.
During XX/XX/2018, I applied for a student loan for my son and cosigned the loan as his parent ( legal guardian ). The loan application process was done at the bank branch by the branch manager. I requested the deferred option with a fixed rate. 

The branch manager completed the application on her computer and told me the loan was sent to my e-mail account to e-sign, which I completed. 

It turns out the loan payment option chosen by the manager was payment of interest immediately instead of deferred upon graduation and the rate is variable. 

On XX/XX/XXXX, I received a late payment notice in the mail from the banks collection party demanded {$170.00} interest payment that is late. I called the collection agency immediately and that is how I discovered the loan application was done erroneously at the branch. The branch is Citizens Bank on XXXX XXXX XXXX, XXXX XXXX, MA XXXX
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX ( XXXX ) XXXX
Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.
I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.
My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?
Item is suppose to be removed from my credit report if I paid in full by a certain date. Which I paid in full before the date!
My older loan company sold out to Navient. Navient decided without my consent to make my autodraft payments on the XXXX of every month. I have a schedule and it needs to come out at the ends of every month. When I called they couldn't reset my autodraft to the date i requested. After many phone calls the latest someone could make it was the XXXX of every month. That still doesn't make sense, since there are 11 other days of the month.
there were XXXX previously inquires on my Transunion credit report that were removed and in checking my credit report after a couple or weeks I notice that the inquires were restored back on my credit report. I did not receive the 5 day notice which is a FCRA violation. I would like them to be removed.
On XXXX Capital One accounts with XXXX and XXXX I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
I was not informed the payment was due. I was in XXXX Texas at the time dealing with a natural disaster hurricane disaster flood.
Commonwealth Finance has put a mark on behalf of XXXX XXXX XXXX XXXX twice, once in XX/XX/2018 and again in XX/XX/2018. I wrote a debt validation letter on XX/XX/2018 & mailed it via certified mail requesting that Commonwealth Finance provide me with a copy of all medical records, including records that were signed by me giving consent for treatment at any medical facility, whether it be a hospital, lab or doctors office to my home address and demanded that they cease and desist calling XXXX. Commonwealth removed the mark on my credit report and returned the signed certified mail receipt. They did not respond to my request to produce these documents. Instead they sent a letter stating that I needed to pay the debt. I checked my credit report in XX/XX/2018 and saw that Commonwealth Finance had once again put their mark on my credit report. They have not sent a letter demanding payment, they have continued to ignore the previous request in XX/XX/2018 to validate the debt that they claim is owed to them. I never gave them consent to treat.
Select Portfolio is not willing to resolve my mortgage issue by correcting the principle balance of my mortgage loan that was transferred by XXXX XXXX XX/XX/XXXX ( {$84000.00} ). I never agreed to a Sub Prime Mortgage of {$240000.00} with XXXX XXXX. I have lived in my home since XX/XX/XXXX in fact, it was a construction home. 

Select Portfolio stated recently that the Mortgage still belongs to XXXX XXXX and the Loan Modification needs to be approve by XXXX XXXX. This is a monopoly. 

As a consumer, I request the Federal of Investigation investigate both XXXX and Select Portfolio for Mortgage Fraud. The mortgage fraud monopoly issue with both XXXX and Select Portfolio Servicing. It is time the CFPB gets involve and sanction both these Mortgage business to the list of Lawsuit claims against them for Mortgage fraud. This scam has cost countless innocent home owners such as myself and other consumers stress and uncertainty. Congress pass a law that prevents Mortgage Companies and Servicers from Mortgage Fraud and get the HUD Department involve to insure these Mortgage Companies are honest and comply with Trust in Lending laws.
after running my credit report I noticed that the navient company had not properly reported or recorded my loan being in forbearance, instead they recorded it as being late for several months for almost a year, after having this loan for almost ten years any time that I was having financial issues I would simply request a forbearance or deferment that was never contested and always approved, the company investigated and came back saying the info was accurate. at the time I requested the forbearance I was informed that the call was monitored and recorded. so there should be record of my request and a re-investgation should be done for the phone records to let the record show that I in fact did request the forbaerance acct # XXXX
I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report. 

Reporting on Equifax XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX Reporting on XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.
There are two issues regarding credit report inquiries creating " hard inquiries '' on my credit report from XXXX, XXXX and XXXX.

1. XXXX : I did not request or authorize this company to acquire or may an inquiry on my credit report. At time of inquiry already had an account with XXXX and was discussing options to adjust account features. At no time did i give authorization to run a report. 

2. Multiple inquires within 30days of applying for mortgage loan.

I applied for a Mortgage loan in XX/XX/XXXX with mortgage broker. The loan was shopped around with several lenders checking credit report. 
XXXX, XXXX, PA XXXX on XX/XX/2018 and XXXX XXXX, XXXX, IL XXXX on XX/XX/2018 Then. 
XXXX XXXX, XXXX XXXX XX/XX/2018 Credco, XXXX XXXX XXXX XXXX XX/XX/2018 This created 5 Hard Inquiries on report which remains on report to date. XXXX   shouldnt be on report at all. The other four should have incurred only 2 at best. 

I've tried to dispute these Hard Inquires with two of the three leading credit reporting services to no avail. 


Your assist in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Transunion had a glitch in their system that violated my rights as a consumer under section 6.11. As a result, I have been severely affected and my credit score is suffering as a result of this error. I never received a notice, which is a violation of my rights. I am requesting that all inquiries be removed.
I signed up for the XXXX XXXX card XX/XX/2014 with a {$75.00} annual fee, offered with great benefits which included XXXX night free on reward stays which was the primary reason for signing up for this card. XX/XX/XXXX, they announced they would strip that benefit and I 'm left with an annual fee and a hard inquiry on my account.
Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )
In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok.

Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. 

There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.
I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.