WillisBack/dataset-financial-user-claim huggingface dataset:
YOUR COMPLAINT My credit score fell from  XXXX  down to  XXXX  because a company by the name  XXXX   XXXX   XXXX  hard inquiry was removed by Equifax. Equifax on their prerogative removed the negative report from my file. This reporting agency now penalizes me by shaving off  XXXX  hard earned points from my credit score. Equifax  Credit Reporting Agency is p enalizing or deducting points from my credit twice for the same action. The activity was performed on  XXXX   XXXX ,  2017. C redit  Reporting Agency h as continue to penalize my Credit score frequently for actions that I have no control over. Their response is always that, they have a mathematical calculation that effect these double punishment/score deductions for the same offens e ( hard inquiry, and the hard inquiry being removed from my credit report by the Agency when the stay period elapses ).    Equifax is a victimizing credit reporting agency.
debt was a medical bill for daughters XXXX XXXX I had to fight with insurance company to get the money which was put into collections. This was paid and still it shows XX/XX/XXXX it was not. I have letter stating it will not be reported
my loan started out with Indy Mac 15 years ago. I missed a payment or two due to a layout. I was turned over to Ocwen and it has been a nightmare. Ocwen lies, misleads, does not document huge pay off, did not call to advise the payment was received. Sent a letter that had nothing to do with me or my money. The phone reps are not knowledgeable.Just a nightmare. I contunue to pay their required amount but Ocwen shows me 90 days late on payments. Ruining my credit, causing all my insurance rates to go up. Ocwen is a bunch of crooks, making money off honest people. I will surely lose my house if I have to continue to deal with Ocwen
upon logging into my Wells Fargo business checking account I was redirected to a page saying I was Pre-approved for a XXXX credit card from Wells Fargo. It clearly stated pre-approved not pre-qualified. I called them up and they proceeded to try and claim that it said pre-qualified not pre-approved. When I was adamant, the rep then very suspiciously asked whether I had proof or not. He then said to email him whatever I had. 

Based on the advertisement I received i applied for credit, which then had a negative impact on my crdit score. Had I known I was only prequalified I would not have filled out the application.
In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.
My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.
Debt collection letter received on XX/XX/2018 from Allied International Credit Corp., XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Letter says " XXXX '' is the original creditor for a debt amount of {$170.00}. Letter states I have 30 days from receipt of the debt collection letter to dispute or validate the debt. The debt collection letter has a reference number of : XXXX. A phone number supplied in the debt collection letter is : XXXX, same as the XXXX XXXX " XXXX XXXX '' method of payment. The contact name for payment is : XXXX XXXX. 

I have not had any interactions with XXXX  in last 6+ months. I checked my XXXX account today and I have no transactions or items being sold. My XXXX account is in good standing.
I purchased a mens ring online for {$600.00} from a company in New York XXXX named XXXX. I used my Citibank XXXX credit card. The ring would take 3 weeks to make, so I did some research and investigating about this company with XXXX and online reviews from previous customers. I was SHOCKED and HORRIFIED by what I read by the terrible and negative experiences customers reported. I immediately tried to reach out to the merchant by phone. I tried on different occasions to cancel the order, but I could not get a hold of them. ( mailbox full, non-working number, disconnected number ) Meanwhile, they send the ring without a tracking number by USPS. Based on their reviews and history, I decided to REFUSE the package XXXX. The mailman marked it " refused '' in his meter tablet, and it was returned to New York to the merchant. They received it, but are lying and said they did n't. I know for a fact they did. Meanwhile, Citibank bought into their lies, and reversed the temporary credit of {$600.00} I complied with all of Citibanks rules, and faxed them XXXX singed affidavid 's and a detailed letter explaining the circumstances. When I call Citibank to sort this out, I reach a call center in the XXXX. Then the girl has to transfer to the billing department in the states to some rude person who is not familiar with the dispute case number and tells me that a supervisor will call me. ( which they never do ) I have gone through this scenario a minimum of 10 times without any result. Citibank still refused to credit back the charges for merchandise that I do not have. I am reaching out to you because I am frustrated and sick over this. The dispute number is XXXX. My name is XXXX XXXX XXXX, and I am the authorized card holder. My telephone number is ( ( XXXX XXXX XXXX. As of today, I am out {$600.00}. Please contact them and try to get this matter sorted out. Thank you Sincerely, XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX veteran.
XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.
This company SANTANDER CONSUMER CO, has put an account on my credit file without my consent which is illegal and constitutes Fraud, .the reporting of this account is also in violation of FDCPA and FCRA rules and regulation and Copyright Laws.
I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.
I made a student loan payment on time, received confirmation, but Wells Fargo says I did not pay for that date, even though I did, and the payment confirmation shows so. 
I sent proof to XXXX XXXX at the executive office over a week ago. But thus far, I have not heard back from XXXX XXXX, despite several emails and phone calls. 
Would you be so kind and find out why their own payment confirmations dont seem to be sufficient to proof that a payment for the due date shown was made. 
Thank you, XXXX XXXX
XX/XX/18 they sent me a copied bill of XXXX XXXX claiming that I owe them this debt, has no proof this is mines also put it on my credit with out proof also. I once fought this debt before and got it removed because also didn't have any proof. the collector was sold this debt and now trying to come after me for the same debt. Ive asked for proof but never got proof from this collector yet to date. they only sent copies of a bill saying its mines.
XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.
On my credit report It shows as having a secured credit card, when you secure a credit card with a CD or money it should show as a standard credit card on the report and not a secured credit card. Creditors will look at this as a derogatory mark as having to buy credit. 
The credit report should read Credit card or revolving account only not!! Secured.
I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.
I phoned Transunion 's help number, ( XXXX ), to request they temporarily lift my credit freeze. The man who responded had an XXXX accent. ( I understand Transition relies heavily on XXXX subcontractors. ) The man clearly understood what I wanted. He then asked me for all my vital credit information ; name, address, phone number, social security number, etc. After he got all my personal information, he said, " I will give you the phone number you will need to call to help you. '' I said, " since you admit you understood I only wanted to temporarily unfreeze my credit information, WHY DID YOU NEED ALL MY PERSONAL INFORMATION! He said, " it 's just policy. " I believe this Transunion employee wanted my personal information for some personal nefarious reason. He now has all my personal information to perpetuate credit fraud on me. This is likely very prevalent with Transunion and their subcontractors overseas.
Submitted a loan modification on 3XX/XX/XXXX and XX/XX/XXXX ( with a change of circumstance ). After calling several times about the status of the application and getting the run arounds. I will told it was in review with the underwriter. I asked could the foreclosure date ( XXXX ) be suspended while in review because of dual tracking ; which I was told no. 
A day or so later I was told the application got denied and a letter would be mailed to me. 
I never got the letter and called back and asked could it be faxed to my counselor and email to me. They said they would but as of this day still never received anything. XXXX XXXX is not trying to work with me to save my house but is trying to move forward to foreclosing and taking my home when I have the income. They dont want to acknowledge my increase of income.
Prior toXX/XX/XXXX, we accumulated over {$19000.00} on a credit card issued by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX 7XXXX. The account was in good standing, and minimal payments were paid in a timely manner.
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We valiantly tried to pay this amount down, with good success. The balance in XX/XX/XXXX was {$15000.00}, and by XX/XX/XXXX the balance was {$12000.00}. We paid that in XX/XX/XXXX, and the balance in XX/XX/XXXX was just {$150.00}.
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In or about XX/XX/XXXX, XXXX changed all open credit cards from XXXX to XXXX. This was done at their discretion, not at our request. We were informed that all XXXX were to be destroyed, and we were issued a new XXXX card with the same balance, credit limit, and interest rate. XXXX notified all XXXX customers that all accounts would be switched to XXXX.
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We continue to use the XXXX at a reasonable pace, and the amount owed now is about {$1300.00}. XXXX  does not dispute any of this information, and we are in complete agreement that our {$19000.00} XXXX was paid off, that our account was switched at XXXX XXXX direction to XXXX, and that we now owe {$1300.00}, and we have paid our account properly.
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However, our credit report on XXXX  shows two open and active XXXX charge accounts. One is the now-defunct XXXX ( account starts with XXXX XXXX ) which no longer exists, and it shows a balance of {$19000.00}. The other is the current XXXX account ( starting with XXXX XXXX ) which shows the current amount of {$1300.00}.
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I have spoken with supervisors and representatives at XXXX for a couple of weeks now, asking them to remove the {$19000.00}, which they agree we do not owe, and which they agree is from a XXXX account which no longer exists, which was changed to a XXXX account. Each person told me that it is impossible for them to change the information. They said they have no means at their disposal to rectify an old mistake. They requested that I mail ( via old-fashioned US postal mail, not via an electronic method ) a " dispute form '' which, when it passed through their mail system and was assigned to someone, they would try to review the dispute. I refused, saying I would n't submit this complaint to get lost in their mail system, and most of all, because there 's no dispute. I also submitted a complaint in their forum for such issues, and " XXXX '' said she 'd review my problem.
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A woman named XXXX ( last name sounds like XXXX ) from the CEO 's advocacy office contacted me and told me my complaint was being " escalated ''. Her number is XXXX XXXX XXXX That was the last time I heard from herI have attempted to reach her on several days since, to no avail. No one from XXXX has contacted me. I spoke with XXXX representatives who indicated that this should be a fairly routine matter for XXXX to correct.
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Our credit score and ability to re-finance our house are being affected, because XXXX shows that we owe nearly {$20000.00}, which we definitely do not. We do n't know where to turn.
Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.
The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections
I attempted to contact USAA credit card company. XXXX from XXXX Ky stated that I would only be able to contact a call center and that I would no longer be having access to USAA the company. I explained this is a member only company and you should be affiliated to the military in some form. I am having problems with neighbors attempting to assume my identity. They have had copies of my credit card statements separated. In the past there was a XXXX and I never received it. I was only able to deal with the call center for this as well. I also, got a refund from XXXX XXXX through XXXX in months past that I never received. Now, I am having problems with XXXX orders being charged double. Other orders referenced than supplied by XXXX. I was attempting to get this XXXX order rectified. I contacted USAA because I was notified via email that they suspected suspicious activity. I only wanted to clarify that my reward points are back on my statements. Also, that my credits are not going to one of their employees as I was told they had some problems with employees. I want to know if my bank statements are correct and also that my credits are not going to an employee that has a copy of my credit card that I never authorized. I 'm told a person by the name of XXXX had my credit card in her hand. I place orders on line.
There was 2 transactions were made through XXXX  transfer from my savings account. Someone just added XXXX XXXX as XXXX recipient and made 1 transactions worth {$900.00} and 2nd transactions worth {$900.00}. 
I have filed case with fraud department and got the reply that " the device used to make those transfer is the same device i have been using to login ''. this is what bank of america people saying. 

I am telling them that i did not do those transactions to prove that i can do whatever they ask 1. I filed a police complaint with local police department they still stuck at assigning a detective to my case. 
2. i filed a case with general attorney. They replied to file a complaint with CFPB. 
3. I filed a complaint with XXXX These people are sucking my blood from last month over my own money. I am telling them i did not do those transactions and they keep ignoring that i did those transactions and closing the case.. 

I can even go to court to resolve this case but i am not loosing my money. 

I have seen in the internet the same issue is happened to other people they returned their money. Please see the video. same thing happened to me. 

https : XXXX I am attaching the proofs that support the case. 
when these transactions were made i did not receive any confirmation messages. 
when that much amount being transferred they should increase their security levels to stop these type of fraud. 

Bank of america people making me suffer because someone hacked into their mobile app and made these transfers now they acting like they dont want to refund my money. 

Bank of america people are BLOODSUCKING thief 's. 

Bank of america people know this issue but they not willing to refund the money. 

please help me to file a lawsuit against bank of america. 

Please Check this video https : XXXX
Sub was repossessed XX/XX/XXXX when I was on unimployment XX/XX/XXXX I got a call from compass bank XXXX to satisfy the loan which was XXXX at the time so we negotiated for half that and XXXX dallers a month which I could not afford but I said ok she said make a few payments and they might right off the rest so after making a couple of payments my XXXX dollars a week of unemployment benefits I could not pay it they must have sold it to a company because when I went back to work XX/XX/XXXX I got a letter from my employer that I had to relinquish 25 % of my after tax income to the sun loan company and that I owed the. XXXX And some change I 'm at a lost for this please help my phone number is XXXX