WillisBack/dataset-financial-user-claim huggingface dataset:
There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.
On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control. 

XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them. 

In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have  attached a copy for the records.
In XXXX XXXX, I reported to Experian, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.
I XXXX XXXX have an issue with the company Priority buy here pay here located in XXXX on XXXX XXXX. Please help me. They sold me a car in XXXX and after 5 months the cars transmission went out. They kept my car for a week and when I got the car back on XXXX the XX/XX/XXXX, the car started leaking transmission fluid and gave me the same issues before I took it to them. They gave me the car back from them and stated after they assumed to fix the transmission that I needed an oil change. I asked them to do everything they needed to do to fix my car and they did n't. They stated I did n't need the passanger window to roll down in order for them to inspect it. They also stated that " it woulda been more money for them to fix the flickering lights on the inside of the dashboard. They also stated that they were no responsible for the car. Not only did they not fix the transmission, they sold me a lemon. As soon as I purchased the car I was having some electrical issues with it and could never get a hold of anyone to assist me with doing so. Finally once I submitted a notice online on their website they called me back about my issue. I still had to purchase a rental car for a whole week totaling XXXX dollars. I can be reached at XXXX.
I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. 
When I called the medical office, their automated service told me there was no balance owing.
In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.
East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.
Ive tried a total of 5 times, this being the 6th. I have an inaccurate account on my credit report with Experian. The account is from XXXX XXXX XXXX XXXX. 

The issue states that the vehicle is a paid charge off. How is it a charge off AFTER I paid in full? Experian is not doing their full investigation and has yet to show me how theyve verified this information. Experian has STILL yet to give me any exact dates that i ask regarding this account because they are unable to. If this isnt fixed, Ill be forced to file a complaint with the FTC and Attorney General.
A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too
Capital One Had issued a check for closing the accounts with 360. Unfortunately, the check had expired. Capital One needs to issue a new check in order for me to redeem my funds.
EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.
COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.
On XX/XX/2018, I was loaned {$420.00} by this company. The money was sent to my XXXX XXXX account via ACH direct deposit. While I knew the interest rate was high, I did not understand that it was 639.17 %. The first payment on the loan was automatically debited from my checking account on XX/XX/18 in the amount of {$210.00}. On XX/XX/18 at XXXX XXXX pacific time, I contacted the lender and requested the loan payoff amount. I was told that the soonest the loan payoff could be processed is XX/XX/18 and that the payoff amount would be more than {$420.00}. I agreed to the payoff amount and have authorized the loan payoff to be debited from bank account electronically. I asked the loan representative to send me a statement that includes the following details : The date of the loan, the amount of the loan, the payment that was made, the total amount of interest and fees I was charged and confirmation that the loan has been paid in full. I was told that the only statement I will receive is an email stating the loan is paid in full. 

This company is funding loans in California that are illegal and in direct violation of California 's predatory lending laws. The company is cloaking itself and its actions by claiming the loan is governed ONLY by the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no other State or Federal laws are applicable. I do not believe this is the case and would like confirmation that their claims are true. 

I was backed into a corner financially and felt that I had no choice but to accept the funds offered by this lender. They took advantage of my desperation and I have paid dearly for it.
IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.
I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I am writing this due to Non-compliance with the Credit bureau Experian, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Experian if this account is not deleted.
In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX
The loan servicer consistently charges me interest on a loan I have already paid off. This has happened to me XXXX times. Customer service also refused to allow me to speak to a manager.
It says that I have two Mark 's when I never filed for a credit card and it's for the same thing twice I should not be effected by someone else 's XXXX I'm very upset with this if been trying to get my credit back in order along with my life and this just ruined everything I worked for
I have disputed this XXXX Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this back in XX/XX/2015 to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by XXXX all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said XXXX and XXXX is reporting it this way. So they are giving me the run around. I am at a stall hitting a wall because they are not following the laws here. Please help!
I have a XXXX credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number XXXX XXXX XXXX XXXX XXXX, which is a skype number. Collection activity has been outsourced to people in XXXX, in the XXXX. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Further, the debt was n't even 2 months delinquent. Even after I made a payment for the past due amount, the rep demanded I make a payment for the remaining amount which was n't even due until XXXX/XXXX/2015, XXXX payment was made on XXXX/XXXX/2015, the next due date was on XXXX/XXXX/2015 ) or the calls would continue. This is also in violation of the FDCPA. Contact has not been stopped.
Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;
Checking account number : XXXX Account Holder : XXXX XXXX My checking account was opened in XX/XX/2016. I fulfilled opening bonus requirements in XX/XX/2016. I waited for 90 days because the fine print stated it would be posted within 90 days after meeting the requirements. However, I have not received the bonus yet. 

On XX/XX/XXXX, I opened a case with Citi to review my opening bonus not being issued. Reply was that I had met all requirements but my XXXX was not certified. The bonus could not be issued without XXXX certification. 

The next day I sent a mail with XXXX certification to Citi 's XXXX back office as instructed by XXXX of Citi Associates. After XXXX weeks I contacted Citi multiple times to check the status but was told the XXXX was not updated. I asked if there was any alternative way to update XXXX. The Citi Associate told me the only alternative way is an in-person branch visit. The closet branch is over XXXX miles away from where I live. I see no fundamental difference between a mailed-in XXXX certification form and a faxed XXXX. I explained my situation and wished the Citi Associate could understand it and accept fax. However, the Citi XXXX adamantly refused to accept fax. 

So I drove for over XXXX hours on XX/XX/XXXX from XXXX, XXXX to the Citi Branch at XXXX XXXX XXXX, XXXX, XXXX XXXX to update XXXX status in person. I then called in on XX/XX/XXXX to check the status. The Citi Associate told me my XXXX status had not been updated and requested for more patience as it would take XXXX business days to update XXXX. On XXXX, XXXX business had passed since my in-branch visit, I called in again and was told my XXXX status had not been updated. This time the Citi Associate came out another innovative excuse : the in-branch documents I signed would need to be mailed to Citi 's back office so it would take XXXX business days for my XXXX status to be updated. 

At this stage, I do n't know if I can trust anything Citi states. Citi Associates give out misleading and disparate information to customers whenever information fit the situation. Moreover, the efficiency is unbelievably low. While I have been doing everything I can to resolve the issue, Citi has not take any pro-active action at all to help me resolve it since I raised this issue 5 weeks ago.