WillisBack/dataset-financial-user-claim huggingface dataset:
Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.
This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.
I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ). 

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS. 
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. 
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ). 
( c ) An action to foreclose a mortgage. 
( d ) An action alleging a willful violation of s. 448.110. 
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.
Error Resolution RequestI made a {$10000.00} payment in XXXX 2015 and per XXXX XXXX of Shellpoint, this payment was not credited until XXXX XXXX 2015. Shellpoint has failed to explain to me why the delay in timely crediting my XXXX repayment plan payment? They refused to give me anything in writing to support I was actually in a repayment plan. 

Monthly Mortgage StatementShellpoint has failed and refused to send me any monthly mortgage statements since XXXX 2015 to which CH of Shellpoint said on XXXX/XXXX/2015 at XXXX PST " we do not send monthly mortgage statements on severely delinquent accounts ''. Please immediately provide me with each of the following monthly mortgage statements and show me any regulatory instructions that Shellpoint can refuse to provide monthly mortgage statements. 
Monthly Mortgage Statement Demand for XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015. Per Regulation X Part 1026 ( e ) - 1026.41, you are required to provide me with a periodic billing statements. 
Demand for Payoff amount good through end of XXXX 2015. 
Request to postpone foreclosure saleAs I notified CH of Shellpoint we have received a full price offer which will satisfy the entire debt on this loan. We respectfully requested a 30 day postponement of the scheduled foreclosure sale to finalize this sale and we have not been given any assistance, nor did they even ask for a copy of the purchase agreement..
I contacted Equifax on XX/XX/XXXX and made them aware of an inquiry on my credit report that I did not authorize and is a result of fraud. The inquiry and date is XXXX XXXX on XX/XX/XXXX. I have an active fraud alert on my consumer report with XXXX  and I extended it for another 90 days in attempt to prevent any further fraudulent activity. Equifax also has a copy of a police report on file from the related incident.
USI solutions, inc from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
I have a checking account with Bank of America, and also a Bank of America credit card. My only income is my Social Security, which is a direct deposit into my checking account. Bank of America Credit Card illegally confiscated funds from my Social Security income that is being directly deposited into my bank account to apply against my credit card balance. In so doing, it also caused my checking account balance to become overdrawn, which resulted in a number of bank charges against my account as well. Following is a summary : XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX{$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-returned check fee. 
XX/XX/XXXX {$12.00} monthly maintenance fee. 

A letter was sent on XX/XX/XXXX to the Bank Manager of the Branch where my account is located, requesting that these illegal charges and fees be reversed, which would result in a balance of {$150.00} in my account. I requested a check to be sent to me in that amount, and to then close my account. I have not had a response from them to date.
This is my third time trying to correct these problems which I will shortly list with Experian However, I have included a copy of my XXXX XXXX credit report as example of what my Experian credit report should look like. <P/>In the status section of the Experian credit report both the XXXX XXXX XXXX XXXX account and the XXXX XXXX account have a negative advisory statement, although not derogatory, added by Experian : The XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The XXXX XXXX XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' I want those statements removed from my credit report. As well, I do n't want any statement such as the above mentioned added later. <P/>The other statement I want removed is the following : " FILE FROZEN DUE TO STATE LEGISLATION. '' I want the security freeze in place but not the above mentioned statement which I have never asked to include. I want that left blank.
Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.
Citibank On disclosure its marked no prepayment penalty but deeper in the document is a paragraph with Early Closure Release Fee so the charged us a fee of {$670.00} So if no prepayment penalty why a early closure fee?
Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.
Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.
USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015.
In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  XXXX   XXXX   XXXX .
ON XX/XX/2018 I received a call from XXXX. A woman was on the line. very polite, noting the call was being recorded and asking if she was speaking with XXXX XXXX ( although I already answered the phone, " XXXX XXXX '' speaking ) and providing a " birth date '' asking me to confirm. I asked her what it was about and refused to confirm information. She then put me on the phone with the Manager " XXXX '' who also started out trying to be polite and stating that he understood why I would not give out or confirm information. But when I refused and stated that anything they needed to they could send in the mail, he stated they already had ( I have not received anything from any debt collectors nor their company Cawley an Bergman ). I stated that if i had received anything it clearly was not important. XXXX then made a derogatory comment regarding my inability to see debt as being important. 
1. I have not received any correspondence from this company 2. I do not have any outstanding debts that I am aware of. 

The statement made by XXXX was harassing, derogatory and unnecessary to the alleged debt collection process, certainly to someone he has not even confirmed he is speaking with. It also violates the FDCPA. 

I am reporting this so that I can ensure this company never contacts me again, but also so that the company can be aware of their agents ' practices that violate federal law. 
I believe that many of the people they contact are not retired attorneys and would not know their rights and could be subject to these same violations, unnecessarily.
My original loan was not with this company. The bought my loan after I closed on my house. The Money Source stopped playing my insurance company forcing me to pay for my homeowners insurance out of pocket. Then said that I have to pay for their insurance. I provided them with proof that I had homeowners insurance and they charged me {$300.00} extra dollars a month anyway for their insurance. This continued for 6 months with no payback of the money they forced us to over pay. They also took $ XXXX out of my escrow and never put it back. They sabotage our refinancing with another company by lying to us and not letting us make our monthly payment. They told us that because we were refinancing our monthly payment would be absorbed into our refinancing and we couldnt make a payment. Then they put a late payment on our credit report so that we couldnt refinance with another company. Ive talked to more than 15 different employees and no one can or is willing to help. Theres never a manager present, and even though they say one will call you back it never happens. This company has lied to us and stole from us.
I have received a letter stating that my Bank of America card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Bank of America and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Bank of America closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.
I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ... 
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response! 
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved. 
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line. 
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.
( XXXX ) This is the third complaint against this company who changed their name from Nation Star to Mr. Cooper, but the complaints are the same. CFPB closed the last complaint because the company responded, that seems to be a common result ... as long as they respond the complaint will be closed. This company has not offered any other help after we have made it clear these payments are not acceptable. We were told that once we made three trial payment our payment would be much lower. The trial payment were made but this resulted in higher payments and the company responding my XXXX exemption was not 100 % and XXXX XXXX sent tax payments out, although the tax were sent back several times. It seems that contacting this agency for help is not working as it once did and mortgage company like this one will continue to play games, hire unqualified people write garbage explanations back to homeowners. I will take this to another agency for help
XXXX   XXXX   has not recognized the charges I filed as fraud yet. I sent them a list of charges circled in my statements and they are saying they deny the fraud claim. THeir reason does not prove anything. They say reasons that are not even true. I need to re open this dispute and have my fraud charges credited back to my account NOW.      XXXX
My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.