WillisBack/dataset-financial-user-claim huggingface dataset:
I am a permanent resident of the   US and a customer of Bank Of America for years. Recently I was sent a letter requesting to go to a branch and provide my residency documents. It was then that revealed that my residency status in BoA systems was captured as a US citizen. This change had been made to my account without my knowledge and consent. My status was updated to the original correct citizenship though when I provided my legal documents, and the store manager apologized. He was even surprised how a customer 's citizenship status could be modified in their system like this.
Since this could have unknown legal responsibilities and consequences to the extent I have no idea what, I filed a complaint in the store to receive an official response from BoA on why and when this change had been made to my account. Two weeks later somebody called me and explained they had researched my case, but had no idea when or how this had happened! While she apologized on the call for this hassle, and confirmed this change had nothing to do with me ( how could it ), she refused to supply a written response taking responsibilities for this modification. Again, changing my status from a non-citizen to US citizen, specially considering I am a citizen of a country that is undergoing US sanctions, could have consequences in future that this is my right to know when this happened and why. This could also be a fraud or misconduct of somebody in BoA who had access to customers confidential information like mine.
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX ; XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
I have had my account with Discount Tire # XXXX and Care Credit # XXXX for many years now. I have always paid them on time every month. Synchrony bank issues these credit cards. They issued them with a {$1000.00} credit limit. They have recently decreased my credit limit on both cards to {$500.00}. I do not understand this. I have had both cards with balances up to the {$1000.00} limit and paid them both down. The Care Credit is almost paid off completely but they still decreased my credit limit. I feel this is not right and I was not notified. If I make my payments on time and use the card regularly, this should not be happening. I believe I am being treated unfairly due to facts I am not aware of nor knew about when I signed up for the cards.
I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.
Complaint Against : Bank of America Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Sir / Madam, I am writing to make a complaint against the above mentioned financial institution. 
I did inform the bank that I did not authorized the transaction for the amount of {$150.00} ( dated XXXX/XXXX/2016 ) because I cancelled the service with the merchant ( XXXX ) on XXXX/XXXX/2016 and requested from the merchant to refund the transaction for the amount of {$1800.00} ( dated XXXX/XXXX/2016 ). However, the merchant continues to charge my card on XXXX/XXXX/2016 the amount of {$150.00} without my authorization. On XXXX XXXX, 2016 ; I filed disputes for both transactions with the bank. On XXXX XXXX 2016 ; the bank issued a credit for both transactions. On XXXX XXXX, 2016 ; the bank debit my account back with both transactions as fees. 
The bank is refusing to assist me in recovering the money for the XXXX transaction below. I would appreciate your assistance in helping me recover a full refund for XXXX transactions. Thank you, Your time and consideration are greatly appreciated. Thank you, Respectfully, XXXX XXXX XXXX 

Transaction details Account nickname Bank Americard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction date XXXX/XXXX/2016 Reference number XXXX Amount {$1800.00} XXXX 
Transaction details Account nickname BankAmericard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction da XXXX/XXXX/2016 Reference number XXXX Amount {$150.00} XXXX
XXXX I Spoke With Guy With Portfolio About How To Get This Account Off My Credit. He Let Me Know If I Pay The Amount They Are Offering Then The Account Will Be Removed. XXXX Account Still Showing On My Report. XXXX I Sent A Letter To XXXX And XXXX. XXXX I Called Portfolio To Figure Out What 's Going On. Spoke To A Lady Phone Hung Up On Me. I Called Back Spoke To Other Lady, She Said She Could n't Help With Removing History. Then I Was Passed To The Manager, Pretty Much The Same Thing. Then The Phone Hung Up. 


I Paid The Debt
Wells Fargo has a credit card on my credit report that I never open. It says I open a credit card in XXXX XXXX but I never had a credit card through Wells Fargo. But I have had a auto Loan with them open in XXXX. I reported this to the credit bureau in XXXX but they failed to remove it from my credit report.
Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.
case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.
My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.
As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.
I first applied for a loan modification over 4 years ago. I went over my financial situation on the phone and was told I was eligible but would have to go through the formal process. My nightmare began. We had fallen into financial hardship as I had been layed off and my husband was battling XXXX. I sent in all of the documents requested but was denied for lack of documentation. I applied again. This has gone on for over four years making it now almost impossible for me to qualify for a modification. I do n't believe they ever had any intention of giving me a modification ; just dragging it out until they could foreclose on my home. Every time I applied, I sent in all of the necessary documents. They would just try to come up with other documents that were needed. At XXXX point, we got hung up on my proving I was now on XXXX. Per their instructions, I took copies of front and back of my check, sent them my payment history from SS and my benefit verification letter. They told me they wanted a copy of the cancelled check. This would come from the US Treasury and I was told by them that it was impossible to send to me. I told SPS and they kept stating they needed proof I cashed the checks. I asked them " what do you think I do with them??? '' to which they had no response. They denied me, again, due to missing documentation. I 've researched this company immensely and they have so many similar complaints against them, I ca n't believe they 've been allowed to get away with it. I should also add that SPS refused to accept any mortgage payments from me once I began applying for a modification. I offered them {$50000.00} and to keep the mortgage payments where they were and I would start paying again monthly in XXXX, 2016. They refused.
My payroll check was direct deposit to my rushcard and it 's not there talking about they doing a upgrade system I have bill that due and kids that I need to feed
Since regulatory action was taken against this agency in XXXX 2015 by the CFPB for inconsistent information, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this company decided to obtain XXXX XXXX XXXX to collect on an alleged debt owed to XXXX Bank/XXXX ending in XXXX. They proceeded with a XXXX XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.
I keep getting e-mails from Experian wanting me to sign up for 30 days free credit monitoring due to XXXX XXXX XXXX. After 30 Days they want you to pay $ XXXX/month. 

They indicate that they will do a one time Dark WEB scan and report if there are issues involving my information. What do you think the results will be, if they scare even a small percentage of 150 million people into buying their service they will make millions because another credit rating agency XXXX XXXX. 

It seems to me they are taking advantage of a bad situation and scaring people into buying their service, this does not seem right to me?
On   XX/XX/XXXX   at  XXXX  a tow truck driver and another individual went to a work site stating he was repossessing a  XXXX    XXXX   XXXX   in the presence of third parties for Credit Acceptance Corporation  .   Credit Acceptance Corp  was contacted and begin interrogating me, and request I make a payment immediately towards an account fraudulently produced by  XXXX   XXXX   XXXX  in the amount of {$13000.00} on   XX/XX/XXXX   in which it has severely damaged my credit. Joint account owner filed a fraud complaint with his bank and Credit Acceptance Corporation referencing unauthorized withdrawals  made two  weeks following a sale that was null and void with no response from  C  redit Acceptance Corp.  Sales and delivery date was  XX/XX/XXXX  ; joint account holder was not present my daughter was. I 've been trying to get the creditor to investigate the matter for resolution since  XX/XX/XXXX . Joint account holder claim no liability in the error and abandoned all responsibilities. Complaint was sent to MD Attorney Gene ral office pertaini ng to GAP insurance that was not approved by me for purchase through   XXXX   XXXX   company ; monies refunded from insurance   XXXX     XXXX   XXXX   was not paid as agreed through mediation. joint account holder of loan has no interest in the title for   XXXX    XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  stated on  XX/XX/XXXX  joint account holder mva record was flagged and license revoked and my income will not qualify for financing alone.     Credit Acceptance Corporation business practices and collection by and between their affilated dealerships is hostile and deceptive. I am represented by legal counsel in another matter left unresolved by Credit Acceptance Corporation involving another vehicle sold to me under fraudulent terms and conditions regardless of the retail sales contract they provide to the dealerships that use their creative financing methods in Maryland. Dealership and credit acceptance corporation knows that i am a real estate professional.
The bill collectors in charge of collecting my XXXX XXXX XXXX now carried by XXXX XXXX called me every single day, often times multiple times per day- in XX/XX/XXXX-through approx. XX/XX/XXXX. I had no idea that time was illegal until now. I can order statements from my cell phone company to confirm this occurred.
I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with experian and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency 120+ '' and it has been dampening my  credit score. I working hard to buy my wife and daughter a new house but the h ome loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was SYNCB report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
In XXXX I realized that I had negative credit reporting from Loan to Learn. I called the number on the credit report which lead me to XXXX XXXX ( collector for loan to learn ) I asked what I owed and why I had not received notification that I owed a debt. XXXX XXXX stated they did not have an account on me and gave me the number to Loan to Learn ( XXXX ). I called Loan to Learn and spoke to the rep and was told that I have one outstanding loan balance and that the law firm was collecting on it not XXXX XXXXXXXX and that is why I had not heard from them. I contracted the law firm ( XXXX ) and was told that they do not have access to the account to collect. I stated that this was being reported to the credit bureau and that I needed a resolution. They stated they are not reporting the account and they could contact me when they could collect. I waited for a call back never received one. XXXX I received notice again that I had negative credit reporting, I called loan to learn ( XX/XX/XXXX ) back and was told that they would reach out to the law firm and they could contact me. When I did not hear something, I called back on XX/XX/XXXX. I requested to know a status he said if they dont call you back tomorrow I will. I asked about my credit report he stated well you signed the loan documents we have the right to report. I stated I have never received so much as a bill he stated they did not have to give me one I know I owe the money. I asked when the last communication was sent out he stated that it was sent out in XXXX I stated I was under bankruptcy then and did not have to pay since they were included In the bankruptcy. I stated that I have not received anything since. He stated that they may not have the documents to show they have contacted me because things get purged but I knew I took out the loan. I asked for the most recent notice he stated they have not sent one but they still have the right to collect because I signed the loan docs. To date I have not received anything, I know they know my address because it was public record during the bankruptcy. I also know that they have my phone number I called everyone involved in XXXX. To date no one with the ability to collect a payment has contacted me and they are still reporting on my credit report.
I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.
I have been receiving robo-calls from Navient regarding a debt for a person that I don't know. The calls started out once or twice a week, then ramped up to once a day. After contacting them via phone and explaining, this is a place of business, I have been receiving twice the calls, the last one today, XX/XX/XXXX. I don't mind speaking with an Agent, even though the debt isn't mine in the hopes of resolving the issue. However, these calls are from an automatic messaging system, so you need to call them back and wait for 10-15 minutes to get a live person. Each person is cordial enough and tell you that they will take you off the list, then you receive two calls the next day. Please assist in fixing this issue. I'll provide all the pertinent information. Since, this is a business line, we've got all inbound and outbound call data saved.