WillisBack/dataset-financial-user-claim huggingface dataset:
Although this situation appears to be resolved I want someone at Bank of America to address my issue. 

Back on XX/XX/XXXX my mother unexpectedly passed away. She had a savings account at Bank of America and listed her children as beneficiaries on this account. She had other accounts there and we closed them shortly after. 

As it pertains to the savings account in question, we were told in order to close out the account and pay the beneficiaries, we needed to fill out a " Beneficiary Letter of Instruction '' and have the document notarized. We were  also told that the money would not be disbursed until all the beneficiaries notarized documents were received. 

On XX/XX/XXXX all beneficiaries completed their forms and had them notarized. The forms were taken to a nearby branch of B of A and they were faxed to the Estate Unit in XXXX, FL. 

What was interesting to begin with is that my mother had four other bank accounts at other banks. Beneficiaries were able to walk in to the local branches of each bank, show identification, a XXXX XXXX and leave out with their checks. 

Around XX/XX/XXXX all beneficiaries received a letter asking again for the XXXX XXXX and a Beneficiary or XXXX form which they already had. I called and told them they had everything they were requesting in the letter. I was placed on hold for the rep to research the issue. I was then asked if my mother deposited social security or pension checks in this account. The answer was no to this question and they could have answered this question themselves had they taken the time to review the account 's deposits. I was then told that was the issue delaying the disbursement. Since I answered this question, I was told the checks should be cut in a week. 

Waiting patiently for the check, another letter identical to the letter dated XX/XX/XXXX was sent and received XX/XX/XXXX. I called the XXXX XXXX and expressed that we are attempting to grieve as a family but the constant issue with disbursing beneficiary checks was getting taxing. I was again placed on hold and told the checks were cut XX/XX/XXXX.

Today is ( XX/XX/XXXX ) and beneficiaries are finally starting to receive the checks. 

What I do not understand is : Do they have any level of compassion that a family has lost a loved ones to take them through bureaucracy to stretch out the disbursement of checks for nearly a month when other banks can do it in a matter of an hour? We were treated like con artists attempting to hijack money out of a stranger 's account rather than listed beneficiaries who supplied the first time all pertinent information. 

If they are going to have an XXXX XXXX handling this function, should n't they act with the same level of compassion and resolution delivery as other banks? 

Why are they sending supplemental letters that have nothing to do with the processing?
XXXX XXXX is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.
On Wednesday, XX/XX/2018, I went to Bank of America to deposit my first payroll check. I received a paper check from XXXX due to the fact that BOA had not verified my account with the payroll company for direct deposit, although it had been 2 weeks since my employer submitted my account info for verification. The lobby was closed so I used the ATM to deposit the check. I was notified after the deposit that an exception hold was placed, with the reason stating " because check specific information indicates item may be returned ''. Since when are checks issued by a major payroll company at risk of being returned? My account is not an account less than 30 days old, nor do I abuse my account. I can understand a hold being placed as I usually have direct deposits and I did not have matching funds in a savings account, however, under Reg CC guidelines the first {$200.00} must be made available and the hold a 2 day hold as it was local check but I will not have access to one penny of my money until Friday, XX/XX/XXXX at XXXX XXXX Unacceptable. I called BOA 's customer service twice and went up and spoke to a relationship banker and no one can reduce the hold time or release any funds. Very disappointed.
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX  specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX  XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).
I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate. 
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment. 
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place. 

I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply. 

I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies. 
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''. 

In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.
I found a property listed for sale on the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX and place a {$20000.00} dollar deposit on it. Now I just learned that the Property is listed for FORECLOSURE SALE. See link below. Can someone please tell me whats going on.. 
XXXX/XXXX/2016 / XXXX XXXX XXXX County XXXX XXXX XXXX XXXX Court Fee Simple {$41000.00} XXXX, MD XXXX XXXX Lien
According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close!
XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2015 Balance : {$4800.00} Terms : High Balance : {$4800.00} Limit : Past Due : {$4800.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Unauthorized, to best of belief and knowledge, with no real reason ( s ), Chase Bank on XXXX XXXX in XXXX, CA performed account balance Inquiries from XXXX or vice versa, which cost the customer money, causing domino spinoff effects from service charge fees. ( Ex. 
if there are scheduled online bill payments, that neither bank may know about, as this is not evident in the balance inquiry, what may be processing, the affixing of fees for the inquiries can start a fee progression. The balance inquiry is without consent, without knowledge, costing a service charge for each inquiry. It can then domino into {$35.00} service fees as the inquiry fees cause account to dip. 

FEDERAL COMPLIANCE : This may be a federal regulation violation, bank policy violation, privacy violation, account security violation. Breach of privacy and confidentiality.
In XX/XX/2018 Portfolio Recovery Associates received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), Portfolio Recovery Associates is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Portfolio Recovery Associates received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Portfolio Recovery Associates has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )
I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank
I have an unverified account from DEBT CREDIT SVCS. I had previously disputed this account. I have never done business with DEBT CREDIT SVCS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DEBT CREDIT SVCS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DEBT CREDIT SVCS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!
I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.
1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Here I am complaining against the unfair experience from its home Mortgage in XXXX XXXX XXXX XXXX, in XXXX Arizona. 

I started the application from XXXX XXXX, with the trust for the best service from the XXXX. XXXX Mortgage bank in the country. Finally, it was the worst decision I have ever made in my life. 

The team rejected the application for the commitment in the first place just because the underwriter ignored my visa in the file. Now looking back, I shall have abandoned Wells Fargo at that moment. 

I found out reason, and ask the team to fix the mistake. Finally, commitment was issued. Shall I blame myself since I lost the commitment contingency? 

The real nightmare started from that moment. The underwriter kept asking for new stuff on the daily basis. I tried my best to cooperate and handed over the files mostly in 2 hours. But their process was so low that the seller had to grant me the extension for three times. The whole underwriting procedure was endless, with new request popped up again and again. No one gave me the firm answer about when the final approval shall be cleared, but only told me it should be good. 

On last Friday, XXXX XXXX, XXXX days behind the date of Essence, WF gave me nothing but a deny, without any reason except the number to the Customer Care XXXX XXXX. 

With the hope to change your decision, because I believe my file is stronger than most of your applicant, I dialed the number to find out the reason. I was hoping there shall be some professional staff finally reward me the justice. But after 10 hours, what I got is only two words " Unacceptable Assets ''. No further details. The fellow there performed like a recorder and only can tell me " I do n't know '' and " I can not ''. 

I felt I have been discriminated by Wells Fargo. And such unfairness has put my deal and deposit under the risk. I am suffering the financially loss and waste of my time. I will not touch Wells Fargo anymore, for both personal issue, and work purpose. I will tell everyone to get away from Wells Fargo by all means.
I disputed a number of items on my Experian credit report ( attached ) on XXXX/XXXX/15 and to this point, they have not reponded to my inquiry,
I began making payment to my mortgage on a bi-weekly basis in XXXX 2015. I sent SLS {$1200.00} electronically every 2 weeks. 
I wrote letters to SLS stating that all payments should be applied to my regular monthly mortgage ( any excess of {$2400.00} would be applied to the principal ). I have paid my mortgage 1 month in advance since the XXXX 2015 payment. SLS continues to misappropriate the funds, add late fees to my account, and send me delinquency notices.
I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?
I have been making timely payments on my auto loan. XX/XX/XXXX I made my regular monthly payment, due on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX. On XXXX I paid the bill timely. No principal was deducted from my loan balance with the full payment being applied to interest. I was told that I have no penalties for early payment but this is penalizing me.
For over four years since XXXX, I have been trying to do a loan modification and/or short sale on a property located at XXXX XXXX in XXXX XXXX, MO through the financier, Bank of Americaa. This home, valued at {$20000.00}, has a balance of {$76000.00} owed, due to the over estimation of the value by BAnk of America. In XXXX, I attempted to short sale, and as recently as this year. Each time, BAnk of America mandated that I take off work, to the Bank to take tons of paperwork, submit tons of paperwork, only to both sides decide for no logical reason that I could not short sale. In XXXX XXXX, BoA even had their appraisers to come and substantiate the value of the {$20000.00}. Then after securing a buyer that agreed to even pay an extra {$5000.00} over their agreed-upon amount and having a closing date, they once again told me about a week before closing that they would not allow me to sell it and that I could, in their words, " afford to keep it '', even I submitted the cost that I 've incurred and that I am in the red because of this property. I was given a representative at Bank of America for assistance, only for her to tell me that she ca n't do anything for me. On top of it, they charged me " legal '' fees for a short sale that they did n't even allow!!, plus cost in leaving work because they needed me to come into their bank to [ BoA ] to fax papers. During both attempts, I used a representative real estate agent that specialized in short sales. This bank is atrocious to it 's customers. They refuse to return calls in timely manner. BoA deliberately tries to prevent short sales. I would receive less than 24 hour notices to submit paperwork for this short sale, while they would take a week or more to even reply. Additionally when I asked about modification or HARP, I was told that they could n't help me. This bank needs to be investigated.