WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings to whom may concern ... I recently had my account seized for child support payments. I know you do not give legal advice, but my complaint comes from an USAA employee, XXXX XXXX, willfully released my information ( SSN, drivers license, address, and my full account to my checking and savings ( which also by laws states they can't go into your savings only your checking ) to the Texaschild support agency without my acknowledgement on XX/XX/2019. My accounts were frozen on the XX/XX/2019, because of such an act I have been living off of XXXX XXXX bucks for two weeks. They didn't even notify me of such illegal practices..yet The bank, USAA website states XXXX we don't sell your information '' " your information is confidential. Yet they violated my rights under Title 42 USC Chapter 7 408 ( a ) ( 1 ) social security disclosure is a felony ... under Privacy Act of 1974 ( 5 USC 552 sect. 7 ( a ) states " it shall be unlawful for any Federal, State or, local government agency to deny any individual any rights benefit or privilege by laws because of such individual refusal to disclose his social security number '' And also violation of " 42 USC 1983 under the color of law '' I will also be applying a letter to the CEO of the company and hopefully resolve this matter.
On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.
I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from  XXXX   XXXX   XXXX  stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at  XXXX  I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.
I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress report.
We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America
Dear Sirs : I opened a loan with XXXX XXXX in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local XXXX XXXX in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. 

I already wrote to this company with no response.
Today, I contacted bank of america " B/A '' via phone around XXXX XXXX about a {$10.00} over the limit withdrawal fee deducted onto my savings account on XXXX. I requested to be refunded the whole amount. After over 60 minutes discussion over the phone [ 30 minutes or more waited for the customer service " CR '' person to respond and look into request ], I was denied a {$10.00} refund to my personal savings account by the CR and the CR 's supervisor. In summary, I informed CR supervisor that the bank statement renewal was over 30 days late [ i.e. 34 days, should have renewed on or about XX/XX/XXXX], and that it is B/A fault, not mine. I informed the CR that B/A engages in unfair business practices, deceptive, and fraudulent ; and third party government complaints will be initiated to about two to three government agencies that will investigate into this. I informed B/A that other consumers/customers could be affected by these deceptive and fraudulent business practices, and that B/A is gaining revenue profit from this scheme. I informed the CR that B/A intentionally fails to inform the consumer/customer the amount of transfers taken during the activity of the account compared to informing the consumer/customer after five to six transfers have taken place during the 30 days of bank activity before the B/A statement renews [ i.e. 30 days ].
RAS LaVrar , LLC : This letter is being sent to you in response to a notice sent to me on ( XX/XX/18 ) or in r. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact, to be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me or coming to my home to serve court documents it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX XXXX XXXX
XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Capital One charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to Capital One about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. Capital One is also reporting the account. 

That means there are 3 violations due to a single trade line.
I have been getting phone calls for a year, sometimes daily, from a company called First Recovery. When I answer there is a recording stating who they are calling for, which is n't me. It tells you to hang up if you are not the person they are trying to reach, however if you do this they will just continue to call. I have waited on the line to tell them I am not the person they are trying to reach and to please remove me from their list. Sometimes they seem to take me seriously and sometimes they just hangup, either way they continue to call. Last week I stopped answering and they have called me every weekday for the last 7 days. The phone call usually comes from XXXX.
I have had 6 unauthorized atm withdrawls all on XX/XX/2018 form my American Express Serve Account : 3 {$500.00} withdrawls from the same atm, 1 {$400.00} and 2 {$200.00} all amounting to {$2300.00}. i have submitted 2 decleration of fraud forms per dispute and the police report. my disputes where denied twice. My account have been permanantly suspended and i have no access to my funds. i am also expecting my state income tax to have been deposited in to this account.
Experian on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance Experian has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and Experian deletes them. I have also reported this to the creditors. Experian takes months to update accounts creditors are reporting monthly
The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.
I  XXXX   XXXX   XXXX  an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for  XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of  Ally  's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had  XXXX  and had to get  XXXX  for it and fell behind on his payments because of this. I advised the agents that I go back to work  X/XX/2017    and will be able to make a payment on  X/XX/17   . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the  XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for  Ally  bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.
Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.
Called company to ask for debt verification. Verification was mailed 15 after. With no return address or informations to send to dispute debt. Called again after receiving paperwork asking for Texas Surety bond information and collector refused to provide it. Asked for address to send dispute and collector hung up. 

Company Name : XXXX XXXX Phone number : XXXX Address listed on credit report : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
I opened a checking account on XXXX XXXX, 2016 with the Branch Manager, he offered me overdraft protection. He advised me that, the overdraft would cover changers if I did n't have the available funds in my account, and as long as I deposited the funds to cover the transaction I would not be charged any NSF fees. The morning of XXXX XXXX, 2016 I overdrew my account by {$10.00} getting gas at XXXX. That same day I made a cash deposited in my account of {$20.00} to cover the transaction from the morning of {$10.00}. My account reflected a positive balance of {$14.00}. The NSF charged for the transaction posted to my account two ( 2 ) days later and caused other transaction to be declined and more NSF Charges. I was unware due to the statements the branch manager advised me of when selling the Overdraft protection to me. I called Compass Bank to make a complaint and get this rectified on XXXX XXXX, 2016. I was told by rude agent that someone from the corporate office would be calling me back. I still yet to receive a call back and my account has not been corrected to date and more fees are occurring.
XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question
I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.
I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.
I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.
XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX