WillisBack/dataset-financial-user-claim huggingface dataset:
I already have a Bank of America credit card and a XXXX XXXX investment account. For the last few months, I kept receiving promotional emails from Bank of America, encouraging me to open a Bank of America checking account by the end of XX/XX/XXXX, and earn a {$300.00} cash bonus. On Friday, XX/XX/XXXX, I went into the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX and talked to a financial solutions advisor named " XXXX XXXX ''. It took a really long time, and she had to get multiple approvals from the branch manager, as well as the account opening supervisor on the phone, however, she was able to finally open a checking and a savings account for me : Checking Account # XXXX Savings Account # XXXX On XX/XX/XXXX, I noticed I could not login to my online banking account. I immediately contacted Bank of America on the phone afterwards, and was told that my deposit accounts ( BofA checking and savings ) were being closed, and the only reason the agent on the phone provided to me was that Bank of America has made the business decision not to do business with me, which does not make sense to me at all, since I am already doing business with Bank of America by having a premium credit card account and a XXXX XXXX investment account. The only reason I decided to apply for these deposit accounts were the targeted cash bonus emails they kept sending to me on a bi-weakly basis. 
Given that I have no negative remarks on any of my credit reports as well as my XXXX XXXX, and my business relationship with Bank of America has been satisfactory so far for both parties, I would appreciate it, if Bank of America could reconsider the decision to close my newly opened accounts, and reopen the aforementioned checking and savings accounts. Thank you for your time and consideration. 
-XXXX XXXX
On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records,  and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded  with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent me.
On XXXX XXXX, 2013 I filed a police report ( # XXXX ) regarding identity theft when I learned someone opened a XXXX acct under my maiden name because of a bill I received and confirmed with XXXX. XXXX sent me paperwork to fill out which I sent back to clear me of the debt. ( XXXX fraud case XXXX. I just received a bill recently for the same debt from collection agency, Convergent XXXX, same acct #
On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long  where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.
Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.
i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.
I entered into a one time close construction loan with Washington Federal Savings Bank ( WAFD ) on XXXX XXXX, XXXX which converted into a mortgage when I got Certificate of Occupancy in XXXX XXXX. 

In XXXX and XXXX XXXX mechanics liens were filed on my home because the home builder did n't pay the subcontractors for services that was paid to the home builder via bank funds. 

Subsequently the bank and their attorney demanded that I satisfy the liens claiming I was in default. At no time have I ever been in default of the loan and have made payments on time. They were claiming default under section XXXX of the deed of trust which are liens attributable to the Property which can attain priority over this Security Instrument. 

Mechanics liens are always XXXX to the mortgage and would never attain priority. It specifically mentions I am required to discharge any lien which has priority over the deed. At no point was WAFD 's interest in jeopardy. 

Now the bank is forcing the payment of attorney fees related to this demand letter. I did not authorize or agree to their attorney 's services and I did not do anything to create the liens. They are passing a cost along to me, that was incurred while they were servicing the loan. 

I then consulted with my attorney and he confirmed liens do not take priority over the deed of trust. The deed of trust would take priority over the mechanic 's lien as long as it was XXXX recorded. Now a junior lien holder can file for foreclosure but the property would be sold subject to the XXXX lien ( in this case the deed of trust ). The only way the mechanic 's lien would take first position over the deed of trust would be if all parties sign a document granting the mechanic 's lien XXXX priority over the deed of trust ( the deed of trust lender would have to sign off on this as well ). 

The mechanics lien holders would only be able to foreclose based upon the deed of trust and as long as I was current in my loan obligations this would never happen. This is exactly the conversation I had with XXXX XXXX. XXXX said you do n't have to worry about those liens as long as you 're current on your mortgage and I could later get those liens removed. For residential projects, the deadline to enforce a lien is 1 year from the last available day to file the lien or 1 year from the completion of the work ( whichever is later ). In XXXX XXXX all the liens would be unenforceable and I would be able to get them removed.
XXXX XXXX XXXX canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
Capital one allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.
I noted a collection account on my annual credit report and contacted the company by mail on XX/XX/18 inquiring about this transaction. The letter was returned. 

I sent another letter via certified mail on XX/XX/18 and the letter was returned on XX/XX/18.
I held an account at Bank of America that had no fees. I only use this account to auto-pay my mortgage and a couple of other Bill Pays. I was notified late in the year last year that my account was negative. I immediately got online to see what was going on to find out that my debit card had been compromised. I am to this day not sure how that happened considering the debit card was in my safe at my home & had not been used in over 3 years. Never the less after reviewing my account I realized they had charged me a {$25.00} " account maintenance '' fee. After investigating further I went into a branch to close my account. They told me ( even though I was the ONLY customer in the branch ) it would be in excess of 1 1/2 hours before they could help me & that I could call in to close it. So, I withdrew all of my money and proceeded to call from the parking lot. The phone agent at Bank of America told me that I had entered a branch XX/XX/XXXX and switched my account to a kind that charged a fee. I demanded to know which branch as I had not been in a Bank of America Branch in over 4 years! After putting me on hold for 10 minutes she advised she could not tell me and that the switch looked strange to her. I advised her I had not been in a branch since XX/XX/XXXX and that I have NEVER received any notification via mail or email stating my account was changing. Since this was an account that I only use for XXXX-XXXX transactions a month I never reviewed my online statements which is why I did not demand a refund. I did, however, advise that I would be filing a complaint so that they could not do this to anyone else.
I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.
Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal. 
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months
The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before.
CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD XXXX
I have had an outstanding balance on my credit report over the years which I never even used. My credit has been used by somebody in my family which I have never figured out. The issue has never been resolved and I ca n't do anything because my credit been like this over the year. I have a outstanding balance of electricity and loans taken out which are not from me.
I have received a new XXXX XXXX credit card from Bank of America. I have never activated or used this card, but the bank immediately charged the yearly fees on the account. As I was not aware of it I did not pay any payment on the account as I expected the balance to be XXXX. Couple months later I was notified by my Credit Tracker application that Bank of America reported this account as 30 days past due. This caused my credit score to drop almost 100 points. I immediately called the bank, paid the total balance and closed the account. But they refused to withdraw the credit report derogatory information.
I opened a credit card with Bank of America on XX/XX/XXXX. After I received and activated the card it was then blocked by Bank of America. I know this is for my protection but a huge inconvenience when you have a cart full of groceries. In order to unblock the card I called the customer service representatives who only made the problem worse. They accused me of trying to swipe the card vs using the chip saying thats what caused the block. Knowing they were providing false information I asked for a supervisor. I was then put on a lengthy hold only to have a very rude person get on the line who called themselves a manager but could not escalate the situation. I was told this will happen for 6 months until spending trends can be analyzed. I have spoken to several representatives in an attempt to get this resolved. The situation only gets worse getting conflicting information about my account. My biggest problem is with the customer service representatives that have no accountability for what they say. Mistakes happen but it seems they just make things worse by making statements that arent true. They have failed to reach back out to me to come to any resolution. All I asked for originally was to consider a balance transfer at no charge for the amount of the purchase that was declined. That is roughly {$14.00} fee I asked as a courtesy to be waived because of problems I faced. They continue to say nothing can be done and they cant control what other customer service agents say, but just repeat the company line and intentionally mistreat the people calling for help.
I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.
equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit
I sent certified letters to XXXX, XXXX and XXXX on XXXX XXXX, 2017 and XXXX XXXX, 2017 disputing the collection account from Credit Service Company in the amount of {$330.00}. XXXX deleted the collection account from my credit report ; however, on both occasions, XXXX and XXXX stated the information was verified and accurate ; however, XXXX nor XXXX has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. I contacted the company directly ( per the direction of XXXX and XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX, 2017 and again XXXX XXXX, 2017 requesting that they validate the debt. The company signed for both of the certified letters ; however, they refuse after two requests to provide all of the documentation that I have requested. I contacted XXXX and XXXX AGAIN by certified mail on XXXX XXXX, 2017 advising that they ( the credit bureaus ) did not provide any documentation to me and the creditor refuses to provide all documentation requested. I have recently received a response from XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation. XXXX sent a letter stating they are investigating the dispute. This has been going on for 6 months now with XXXX with no resolution.
This is in regard to the Equifax security breach. I am listed as a potential victim on the equifaxsecurity2017.com site. I see the lack of security as a mishandling of my information.
My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.