WillisBack/dataset-financial-user-claim huggingface dataset:
I had identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.
Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX XXXX
UTTERLY disgusted with how Bank of America chooses to do business! There was a fraudulent charge on my account SATURDAY XX/XX/XXXX. Today is now MONDAY XX/XX/XXXX and the money was barely returned SUNDAY XX/XX/XXXX. MY MONEY has been withheld from me for 8 DAYS! This is completely unacceptable and disappointing. I 've called 10 times and everyone has been giving me the run around. I 'm going to make sure I tell all my friends and family about my awful experience with this company!
Ive been contacting equifax and XXXX XXXX every other day trying to have them update an account that was opened fraudulent i sent equifax as per there request a copy of my police report documents showing the account is not mines and yet equifax never update my account each document they receive they start my investigation Over from the date the documents is received XXXX XXXX advised me on XX/XX/XXXX they could not removed the account it had to be removed from equifax. I have gotten nothing but the run around from these two companies i spoke with XXXX on XX/XX/XXXX from equifax she advised me the report would be updated that was just away to get me off the phone
As part of every monthly mortgage payment I make via the servicer 's web site, I always include an additional payment specifying that additional amount is to be applied towards principal curtailment. The payment confirmation that I receive, both on the servicer 's web site and in a confirmation email, properly reflects my payment choice and specification ( i.e. some component of the total payment is to be applied as principal curtailment ). However, when I check a few days after making said payments, the additional principal payment that in included has not been applied towards principal curtailment ; instead is appears on my account as " Posted Unapplied Funds. '' This has been happening for three months running. When I call the servicer, they tell me one month that they will " fix '' the issue by changing my account to a " hierarchy plan '' such that any additional payment automatically applies to principal ; the next month when I can they tell me they will " fix '' the issue by changing my account away from a " hierarchy plan '' such that any additional payment automatically applies to principal. The most recent example of this occurring was for a payment madeXX/XX/XXXX, where the confirmation email states : MONTHLY PAYMENT {$2000.00} ADDITIONAL PRINCIPAL {$1200.00} TOTAL PAYMENT {$3200.00} whereas the web site 's posted payments indicates the following : Unapplied Funds XX/XX/ {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/ {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00} Note that what my payment confirmation indicates as the amount of XXXX for additional principal magically translates into " Unapplied Funds '' when the payment is processed. 

The same thing happened the prior month. I have attached payment confirmations for my XXXX andXX/XX/XXXX payments.
My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon.
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from XXXX.
I am writing to dispute the payment process used by Navient XXXX regarding disclosure of interest charged to my student loans. I have written and verbally asked the company to send monthly statements showing the beginning balancing and ending balancing of the loans. In return, I received unclear information and no documentation about monthly statements pertaining to my student loans. I have checked my loan accounts on several occasions and spoken with Navient customer representative to ensure that my loan is not being calculated in error regarding the interest. I became frustrated when the response to the same question is a different answer. Therefore, I begin sending letters to Navient. However, the information that I am receiving from Navient to explain the accrued unpaid interest is not indicating the monthly beginning and ending balances. At this point, I am reaching out to you for assistance to protect myself as a borrower and to have my complaint filed. The amount that I am disputing is unknown because of the error in the accrued interest that has been calculated by Navient. Moreover, my loan began with XXXX XXXX and XX/XX/XXXX was the first payment and XX/XX/XXXXwas the first payment made to Navient. I want Navient to be accountable of charging what appears to be double interest to my loans and to reverse the interest that is not correct. 
I have been paying principal and interest on the loan but the total amount has continued to increase ( i.e. accrued unpaid interest dated XX/XX/XXXXin the amount of {$570.00} ). I 've called the customer service department on several occasions to receive an explanation and have not been given a satisfactory answer to why the total amount continues to escalate. Also, I 've asked for paperwork showing how interest was calculated for my loans and receive an example of a random account situation, which did not assist me regarding my account. I received history balance documentation dated XX/XX/XXXX on my account, but not an account statement that indicates start and ending balances.
Bank Of America increased my interest rate on my credit card from 10.24 % to 11.24 % during my last billing cycle with no notification to me as the consumer of a rate increase. This account has been open and in good standing for over 7 years with no change in interest rate or credit limits until this last billing cycle. During attempts to resolve with Bank of America they confirmed that no correspondence was sent to me as required by federal law to notify the consumer within 45 days of any rate changes. Despite Bank of America 's admittance that no notification was given prior to increasing the interest rate, they continued to refuse any resolution.
I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.
I was short for monety before my payday and looked into a few pay day loan companies. I applied and once i saw the insane biweekly repayment agreement, I did NOT go though and sign the loan agreement forms. This company deposited the {$300.00} into my bank anyway, and now wants me to pay {$83.00} BIWEEKLY on a loan i never fully signed up for. I can't even pull my Loan Agreement from the website without it crashing, which is proof i never even signed a loan agreement!
i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request
On XX/XX/XXXX, a company of really unknown contact information charged my checking account XXXX in an unauthorized debit. I on the first day notified Bank of America that this was a fraudulent charge -not done by me or anyone in my household. My wife XXXX and I live alone and no one but me has access to my debit card that is locked in my desk drawer at home -- not even my wife has access to our cards. We have camera 's and a security system hooked to the cell phone system, and so it is impossible to access the inside of our home without setting off the alarm. Bank of America immediately removed the charge which had no other information on its origin except -- '' by XXXX-online Fla. ''. No phone number, no website info -- no nothing as far as contact info with the charging company. I followed up in the weeks to come by repeatedly calling and speaking to the fraud dept. of Bank of America, and faxed in a statement saying -- '' I did not make this charge '' explaining that we were in the middle of a remodel of our home without a refinance, and our budget was very tight and AGAIN stating 'WE DID NOT MAKE THIS TRANSACTION ''! They explained it was some kind of software purchase and they were investigating. In XX/XX/XXXX, I received a letter stating that their investigation was complete and they were recharging my account XXXX on XX/XX/XXXX. At this time, they could not give any info. on the company -- no number to call -- no website to find contact info -- -nothing except after talking with XXXX- badge no. XXXX and XXXX badge no. XXXX on XX/XX/XXXX and XX/XX/XXXX -- I begged them Not to debit my checking account because I did not have the money to cover this fraudulent charge -- they were courteous but stated that visa had confirmed that this was a valid charge. I reiterated -- '' it may be a valid charge-but I did not make this charge -- I have not received any software or any product that cost XXXX! To NO avail, my account was CHARGED on XX/XX/XXXX and OVERDRAWN AND charged an OVERDRAFT FEE besides with no income coming into my account until XXXX XXXX XXXX XXXX. HOW IS THIS POSSIBLE a financial institution can charge you without any contact info on the company making such a charge??? HOW IS THIS POSSIBLE?? Please direct my complaint to Bank of America/claim investigations -- XXXX XXXX XXXX XXXX Az XXXX -- -- -- I do not believe they made ANY credible investigation -- -a Google search came up with NO SUCH COMPANY -- -I do not believe in this day of internet cookies that they can't give me some kind of contact info. I did not make this charge -- this is the second time in 6 months that fraud has been on my checking account and the card number that generated this Fraud was a NEW card number! What kind of SECURITY does the banking industry have that they can not track down whoever has done this -- we are poor people living paycheck to paycheck -- I am XXXX  XXXX XXXX XXXX   properly after a career of XXXX work in XXXX. Where is our PROTECTION from these fraud promoters that must be in the banks themselves! XXXX XXXX XXXX XXXX
Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. Thank you.
I made a request for an income driven repayment, around the beginning of  XXXX ,  201 7. I submitted it to Navient, as requested by the Department of Education. I was by    letter it had been approved by Navient, even with the dollar amount of repayment. Yesterday (   XXXX   XXXX  ) I got a phone call, supposedly from  Navient  demanding monthly payments that are huge, far more than i can afford or than the approved amount in the repayment plan.
On XXXX, I received a call from XXXX @ XXXX XXXX XXXX. They stated that I owe a debt with XXXX, which I did not deny. The initial loan was for XXXX and they asked me to make them an offer. I was initially told that I could make a monthly payment arrangement. I told them I could pay them XXXX by XXXX XXXX to resolve the debt. This was not acceptable so he connected me with a Supervisor ( can not recall her name ). We went back and forth with her threatening me with wage garnishment unless I pay XXXX by the end of the month. I told her that XXXX has not even filed papers to sue me and there has been no judgment filed against me ; I knew that was false. She got disgusted and told me to hold on. I was at work and could not hang on and hung up. Then I got a call ( same day ) from XXXX XXXX saying he was another Supervisor and to please call back before they send over the garnishment to my employer. On XXXX, XXXX called again and I reiterated what I was willing to pay. He immediately put me on with XXXX who said that my offer was too low and told me I had to pay at least half the debt of XXXX by the end of the month. I told them to send the judgment and I was done and to not call me any more. They called me 4 more times in a row, twice from a XXXX number and twice from a private number. This debtor has never sent me a letter in the mail or contacted me before yesterday.
When the original debt which was XXXX XXXXXXXX XXXX XXXX charged off the account XXXX XXXX XXXX bought the debt for pennies on the dollar and tried to collect more than was owed on the original debt. Then the account was transferred to Pressler & Pressler and they sent letters to go to court and I was unaware since I had moved into a new place. They do not own the original debt nor have provided documentation to prove the original application was with Pressler & Pressler and or XXXX XXXX XXXX. Now they want to threaten with wage garnishments and embarrass me at my employment. They have violated FDCPA and FTC legislations and undermined my knowledge on this matter.
After a review of Bank of America and their third party representative issued documents, it has come to my attention while the current single point of contact was previously assigned as the single point of contact in XXXX XXXX through XXXX XXXX, this home loan mortgage account was incorrectly tagged, coded, and forwarded to foreclosure resulting in the XXXX XXXX recorded Notice of Default and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Apparently, XXXX was allowed to purchase the mortgage note once XXXX XXXX XXXX XXXX XXXX XXXX represented the home loan mortgage account was active in foreclosure. 
Sometime in XXXX XXXX, Bank of America through their third party home loan servicer, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, incorrectly authorized this home loan mortgage account to be removed from the modification, loss mitigation, and workout processes and began the foreclosure process as evidenced by the Bank of America form entitled California Declaration of XXXX XXXX, XXXX and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Bank of America representatives XXXX XXXX along with Assistant Vice Presidents XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, all played active roles in removing the Cease and Desist Collections tag and code placed on this home loan mortgage account on XXXX XXXX, XXXX from this account clearing the way for Bank of America violations of various established consumers protections including, but not limited to, RESPA and TILA enforced by Regulations X and Z, MHA HAMP guidelines, and the XXXX enforced by the California Homeowners Bill of Rights ( CalHBOR ).
XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.
Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
After fail to log on my checking account, the bank 's system locked my account. The website did not allow me to reset password. Following instructions I called the web customer service and the rep said nothing she can do due to the account was fairly new and I must go to a branch. Sadly the nearest branch was one hour away. All I wanted is to let them unlock the account then I can reset password myself. I really can not go to a branch one hour away to handle this issue.
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.
I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.