WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage payment with Bank of America has never been late for 11 years. During the month of   XXXX   XXXX  , I made a change to the automatic payment of my mortgage. The change resulted in my mortgage payment being not credited to the loan account, but to a Bank of America 's credit card account. Due to that mistake, my mortgage payment was delinquent on   XXXX   XXXX   for more than 30 days.
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Until   XXXX   XXXX   XXXX  , I was not informed by Bank of America by phone or written notice regarding the delinquency. The only reason I found out of the delinquency was because a service that I use,  XXXX , informed of a drop on my credit history rate.
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I called Bank of America on the same date,   XXXX   XXXX   XXXX  , and explained the situation. Bank of America never informed me that I could have retroactively transfer the credits I have on my Bank of America credit card to my Mortgage account with Bank of America. I made the payment over the phone on that same call on   XXXX   XXXX  , and they also refunded all fees related to late fees. On that recorded phone call, on   XXXX   XXXX   XXXX  , I was informed by the Bank of America associate that there were no records of attempted calls from the collection department to inform me of the delinquency.
I also did not received any written notice from Bank of America before   XXXX   XXXX   informing on the delinquency of   XXXX   XXXX  .
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My credit payment history is impecable with all companies I have applied for credit.
My credit rating was above 800 in almost all Credit Report Agencies. That mortgage delinquency reported by Bank of America made my credit report to drop around 200 points. It took me more than 17 years to build an impecable credit history. Bank of America reported a delinquency without good faith efforts attempts to contact me, violated a RESPA regulation ( 12 CFR 1024.39 ( a ) ) and my rights as a consumer. My voice mail on my phone estates my name and request the called to leave a message. I never receive any voice mail from Bank of America.
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I have records of the credit card account holding the credit amount due on my mortgage ( I did not owe any amount on the credit card on XX/XX/XXXX  so the payment done was applied as a credit to my credit card account ). The date of this payment is the same date of the mortgage due,  XX/XX/XXXX .
It was clearly a mistake on my part, but I am not a number. I am a good consumer with an impecable payment history, not having any late payment or delinquency in 11 years of mortgage.
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Bank of America did not make any attempt to contact me by phone, mail or email within 36 days of my mortgage delinquency, which is a RESPA violation ( 12 CFR 1024.39 ( a ) ). Based on that, I requested Bank of America to contact the Credit Agencies to remove the delinquency from my credit reports. However, Bank of America refused to do so.
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Bank of America did not make any attempt to contact me
Previous complaints was closed, I requested that USAA, send paperwork pertaining to their actions. They have only made statement not verification of proof. They have not looked for the payments, nor given time to complete any paperwork. USAA had 5 different subserves on this one, the payments has been not reported, they stated that XXXX never had my loan, XXXX, XXXX, XXXX, XXXX, and USAA themselves. I have sent documentation of all them.

USAA is saying we have opportunity to modify the loan, but given the letter on XX/XX/2018 from a former lawyer. I really would appreciate if some one can request their paperwork instead of just statements they have given. They have opportunity to correct Deed, contracts and other documents, but just keep assisting that they want to help. Contact them and it is not the case saying its to late.

Thank you for your assistance.
After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge. 

I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount. 

I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.
I have previously filed a complaint with XXXX XXXX for their inadequate investigation into a fraudulent credit card opened in my name. In their response they included the information that was filled out to open the credit card. There were several errors on this information.

Whoever opened this account provided the following incorrect information : Mother 's maiden name Email address ( I've never seen this address before ) Own/Rent ( I assume that the XXXX marked in that field means neither which is not true ) Monthly Mortgage/Rent ( {$0.00} was marked, this is not true at all ) Yearly income ( this number would have been close a few years ago ) Employer Name ( This field seems to have been left blank ) XXXX XXXX claims to have reviewed the ID used and did not include a copy of it in the response to my previous complaint. XXXX XXXX also did not include a social security number used, nor did they include any of the questions that were supposedly answered in the phone call opening the account. I would also like to be provided with the recording of the fraudulent phone call that was used to open this account that they claim to have verified " sounded like me. ''
on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.
On XXXX XXXX I changed insurance companies and notified Wells Fargo of the change. Since that date Wells Fargo has sent me letters requesting the new insurance. This documentation has been provided on a least XXXX separate occasions by my insurance agent. On Friday XXXX XXXX, my insurance agent was contacted by Wells Fargo and once again, the insurance was provided. On Monday XXXX XXXX I attempted to pay off the car loan and I was told that forced insurance had been placed on the vehicle. I now owed additional funds. Myself, my insurance agent and a WF agent had a XXXX way conference call and I was told that everything was taken care of. I was forced to pay an additional {$300.00} XXXX estimate ) in order to pay off my car loan. On XXXX XXXX, I was informed that my car loan was not paid off and that the process to get my title and the money I am owned could take several weeks. This is a deliberate and malicious attempt to keep money that does not belong to WF. In normal language, WF are stealing my money. WF will not release the title to my car, which means WF is denying me opportunity to sell my own property. The longer WF keeps my money, the longer they gain for having it and the longer I lose from not having it. WF keeps bouncing me from one department to another and no one seems to be in a position to offer help. One of the representatives I talked to admitted that this was a common problem. It is apparent that WF system is designed to make the customer jump through numerous hoops just to get their own money back.
JPMORGAN CHASE is reporting my auto loan erroneously to credit bureaus. They are reporting a Ch. XXXX bankruptcy when this is not true. I paid a {$10000.00} downpayment and paid off the loan early. This account was not in any bankruptcy. I contacted Chase Auto and my account has been archived as it was paid off years ago. They refused to verify the information and did not have any data or payment history of my loan. This loan had XXXX late payments. I paid additional to the principal until payoff. 

I have complained about this issue on numerous occasions but this has not been corrected to date.
The Bank of America Mobile App allows user to receive bills and pay them through the mobile app. In my case, Bank of America receives bills from XXXXXXXX XXXX Consumer Credit Card. When accessing the bill pay function from the mobile app and pulling up the " Unpaid Bill '' for XXXX XXXX Consumer Credit Card, the app displays the bill amount as  {$25.00}. A normal and reasonable user, would assume {$25.00} is total amount owed under the bill. In fact, this is untrue. Bank of America is systematically causing confusion by displaying the  minimum payment, in lieu of the total due. This has resulted in me paying fees and interest I otherwise would not have paid. 

Furthermore, regarding the use of the app in the bill payment screen, a typical user would assume the " Amount '' box should be tapped if you want to change the amount being paid. In fact, bank of america has hidden the true amount of the bill behind this veil. I only discovered this after searching the internet on why I was only seeing the minimum payment. 

Bank of America should default the amount in the mobile app, bill pay " amount '' box to the total amount owed, not the minimum payment. This will prevent consumers from accidentally carrying a balance. Bank of America should reimburse interested and fees to me in the amount of {$2.00}, as well as any future interest not yet posted by XXXX XXXX Consumer Credit Card.
I have disputed the address information on my Equifax credit report and they sent me proof that they deleted the address. After reviewing my credit report after receiving the results, I saw that Equifax had inserted the erroneous address back on my credit file. I disputed it again and this time they stated that they will not delete it at this time because of " prior documents that I submitted ''! I do not know what " prior documents '' that Equifax is talking about and the address needs to be permanently remove because it is not 100 % accurate per FCRA. I am a victim of identity theft and also a security breach at my job and I am trying to make sure that all of the information in my credit file is 100 % accurate. I am sending you a copy of the Equifax credit reports to support the information that I am submitting.
The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.
Six {$100.00} gift cards to XXXX XXXX XXXX were purchased in 3 separate {$200.00} transactions fraudulently using our PayPal account. PayPal sent me a text On Monday XXXX XXXX we received a text message from PayPal indicating there was suspicious use of our PayPal account that day for a XXXX XXXX XXXX gift card for {$200.00} - they asked us to respond if this was an authorized transaction and asked for a reply. We replied No right away and PayPal replied back in a text that they would open a fraud case and follow up with us. On a follow up emai, they indicated in an email that they reviewed the claim and were denying it. The dispute case is XXXX, PayPal did not inform us of an additional 2 transactions with XXXX XXXX XXXX for {$200.00} each or we would have indicated those were unauthorized also. We also contracted XXXX XXXX XXXX on XXXX XXXX and they inundated they would attempt to close down the specific gift cards and we should be able to identify the PayPal transaction we think through our email address but ate not sure if that is occurring. XXXX XXXX XXXX INDUCATED THEY WERE HAVING MANY ISSUES WITH GIFT CARDS PURCHASED FRAUDULENTLY WITH PAYPAL ACCOUNTS.
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX XXXX XXXX and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX. 
Experian - www.experian.com. XXXX  XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX.
To whom it  may Conc ern, Experian Customer service would not help me and take care of the negative inquiry reporting to my credit report. The inquiry name is  XXXX   XXXX   XXXX  date  XXXX / XXXX / 2017 . Thank you in advance.
My check is directly deposited weekly on my card and for the last 2 weeks my account has been showing a XXXX balance even when i had funds on It already now tgey have suddenly disappeared on top of that my checks has been processed to it and im still not able ro access it. Everytime i call customer service i get hung up on or i get an automated system saying there at a high volume call and to try again later. I have bills that are now past due and charging me late fees due to this. I have my daughters birthday today that i cant even buy her a cake due to this matter this is unacceptable sad and frustrating..
As of today 's date XX/XX/XXXX I have not received my end of year paper showing all of my taxes and interest paid. I called the lending group and I was told that the papers were mailed out XX/XX/XXXX. My son has the same financial group and he has not received his neither has XXXX other friends of mine so apparently this group has not mailed out their papers
I have three promotional offer accounts with Syncrony Bank. All of these accounts provide a minimum monthly payment. I recently discovered that my hh gregg account through Syncrony Bank has been providing me with a monthly minimum amount which did not provide me with a monthly minimum amount to meet the promotional offering of zero percent interest and are now charging me 30 percent interest retroactively which is almost the amount of the original purchase amount. Since my other promotional accounts with Syncrony always provided a minimum monthly amount to avoid hefty interest charges, for some reason Syncrony provided me with a lower amount for this hh gregg account so that I would miss the promotional deadline so they could charge me an enormous amount of interest. I have tried to work this out with them but they refuse to acknowledge any responsibility of their part.
I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-  XX/XX/XXXX XXXX-XX/XX/XXXX
TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved
I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX  on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX   and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.

Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.

Contacted Experian to dispute the account.and was told that XXXX  would respond within 30-days.

Received notice from Experian that XXXX had validated the account and the dispute was canceled?

Contact XXXX XX/XX/XXXX: Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.

Contacted XX/XX/XXXX - XXXX ( XXXX  SoCal Rep ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.

ContactedXX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX  ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.

ContactedXX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX XXXX by email of the latest info I had on the case.

Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.

EmailXX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
I have thousands of dollars in my Citi 's checking account. For some reason, I haven't receive new debit card due to moving. When I moved to XXXX TX last year, I noticed my online account was blocked and I can not use my check. What's worse, Citi closed all their local branches, so there's nowhere to solve the problem locally. Then I call their customer service, they said they can not help me as I don't have the new debit card number ( I never receive, or activate ), and they ask me to write a letter to an address in XXXX XXXX. I did as they asked in XX/XX/2017, and never heard back until now. I HAVE A TROUBLE TO USE MY OWN MONEY!
In XXXX 2016, I applied on-line for a XXXX REWARDS Club offered by chase bank.I saw the advertisement on-line which had an offer of {$50.00} statement credit after first purchase plus XXXX points after spending {$1000.00} in first 3 months of opening card. After the card arrived, I called the cr. card co. to ask a question and the subject of the offers came up too. I was told that I would not get the {$50.00} cash! I told them why, the agent did not know why. Talked to a manager who never replied. Called several times, and I was told finally that I can get XXXX miles instead as an offer. I declined and insisted to get what the original ad had offered which enticed me to apply for the card. After much back and forth, I was asked to sent a copy of the ad which I had and fax it to them. 
In response I was told that someone has left a note on my account that " I was not eligible for the offer of {$50.00} ''. My last call to them was to put this in writing and explain exactly what they mean by this, how was I not eligible for their advertisement?. Well this was two weeks ago. I never got a letter of explanation and no one has contacted me. As a consumer, I hate bate and switch games. I applied on-line from the point ( page ) where the bonus offer was made and there was a button which said " apply here ''. so there was no other referral pages. no other links, but direct apply from the offer page. I want my {$50.00} and I want Chase be noted for their advertisement violation and this bate and switch game.
I opened a Loan with XXXX XXXX XXXX XXXX/XXXX/XXXX for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but Equifax removed it along with other positive items from my credit report only to report negative collection items with around 19 inquiries due to identity theft. According to the FCRA the XXXX XXXX XXXX Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by Equifax office of consumer affairs.
OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA