WillisBack/dataset-financial-user-claim huggingface dataset:
BB & T 's fraud company called me in XXXX regarding a series of attempts by a vendor to submit charges against my checking account. The dollar amounts were random. Once contacted by the fraud dept. I informed them that the charges were not authorized and I closed the debit card to prevent further access. A complaint was filed with the fraud investigation dept. within 24 hours. 

Later in XXXX, I 'm sitting in my branch handling business and was told that my checking account was overdrawn by {$600.00}, I was shocked because, as a banker myself, I manage money well. I called the corporate office to inquire and was told that the fraud investigation did not rule in my favor because the vendor provided a contract for charges that BB & T says justified them releasing funds that were not on deposit. This is the same vendor who tried to process numerous charges unsuccessfully. 
Come to find out that my husband canceled the event in sufficient time based on said contract. BB & T did not have this information as part of their investigation. 
BB & T refused to allow the account to be closed until the {$600.00} overdraft was paid. They assessed a {$21.00} fee. 
Last week ( XXXX/XXXX/2016 ) my husband tried to retrieve money from another checking account at the same bank. The account was frozen. BB & T used it to offset the {$600.00} deficit in the other account. Thus, my husband could not access his payroll in order to provide for his family, pay his mortgage, and cover transportation costs to and from his job. 
My issue here is that BB & T is accountable for the {$600.00} that they allowed to clear an account that had less than a {$100.00} deposit balance. Further, the {$600.00} charge was unauthorized by the consumer and BB & T was aware of it. Rather than admit their mistake ( and let the consumer and the vendor work out contract disputes ), they chose the low hanging fruit and stiffed the consumer by taking money from an unrelated account with them. If their policy stands, then it makes no sense that my husband can not cash his payroll check at his BB & T branch unless there are sufficient funds on deposit to cover it. In fact, BB & T 's branch manager told my husband that the bank 's policy, if it were properly followed, would have prevented a {$600.00} transaction to clear if the account balance was not sufficient to cover it. The transaction should have been disallowed and the customer charged a {$35.00} overdraft fee. There were no other charges that did not clear other than the {$600.00} that BB & T approved. 
These tactics have caused my husband and I financial harm since he was not prepared to lose an entire week 's pay but had no choice. The bank got their money at our expense. 
My request is that BB & T be held accountable for allowing an unauthorized charge to overdraw our account and to return the {$600.00} to the consumer. We are a two-income household and I have been looking for work since XXXX. Every dime counts to keep this household afloat.
To whom it may concern : I filed a dispute with Transunion to remove a fraudulent account that is listed on my credit report. They stated it was verified and did not provide any proof although, I know I have never had a account with XXXX. I am trying to establish credit and this is hindering my process and progress in life. 

Thank you, XXXX XXXX
On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report. 

They have sent me documentation with service under my name in XXXX, XXXX   XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen. 

This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.
On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.
This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.
We have received multiple telephone calls from a company called " Diversified Consultants, Inc. '' Their number is XXXX. They have called several times and just hung up when we answer the phone. I just called their number and spoke with a " XXXX XXXX. '' XXXX said he was calling for XXXX XXXX and that we were " headed to court. '' I told this XXXX we did not subscribe to XXXX, or rather tried to, but he continuously spoke over me, and refused to listen to me at all. We subscribe to XXXX and have for some time.
BBVA Compass Loan management. Our mortgage matured on XXXX XXXX. 
1. First issue is that all payments were drawn automatically excluding last payment. We were not notified that for some reason last payment needs to be paid at bank branch department ... there were no communications from bank to us in last payment or transition to closing the loan .... So in XXXX we found out that they transferred our loan to the bankruptcy department. 
2. We paid all of the additional fees in XXXX XXXX, XXXX and since then loan os paid off and at the XXXX balance but we are unable to get lean release or deed of trust from BBVA Compass for our property 3. Customer Support line has no access or visibility to that loan because it is in default department. We can not reach default department by phone, their line has automated recording to leave the message with phone number and they will call back, but noone ever calls back. Our emails to that department go into black hole unanswered with no responses 4. For 4 months we have not been able to get any closure on our issue. They screwed up our perfect credit history by not communicating with us and we are unable to get our rightfully owned title to our real property. Customer support in loan department is horrible. We demand to resort our credit history and clear our property of any leans.
A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.
I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan. 

They said it would require a re-appraisal. 

Scheduled appraisal and appraiser visited on XX/XX/18. 

Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count. 

Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied. 

XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed. 

They still will not tell me the appraised value. 

I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.
Collection company isnt license to collect debt in North Carolina. 
Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. 

Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX
This company has left me and some family members several voicemails. They leave a case file and announce that legal action may be filed against me in all of these voicemails. When I call them back they refuse to say they are debt collectors but say they are a litigation firm and my only options are to settle my debt with a company they refuse to name or they will sue me. They refuse to provide any proof that they own this particular debt. They simply keep repeating the montra pay up or we will sue you. I have asked them to quit contacting me on several occasions now. 
The phone number they use changes every few months but most recently was XXXX ( XXXX ) XXXX
In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.
Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.
XXXX XXXX suit us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the XXXX suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see complaints # XXXX against the XXXX collection agency and # XXXX against XXXX ).
I recently discovered that I C System Inc has been reporting an outstanding XXXX debt ( XXXX XXXX Hospital ) to my credit since XX/XX/2015. I do not owe this. I don't know how XXXX determined anything was owed to them since payment was made at the time services were rendered. It's not like my XXXX can walk in on his own and have services billed to me. I have attempted to dispute this debt to both IC System and the XXXX XXXX office, to no avail. I have asked for proof of this debt and received no response. IC System simply keeps verifying it as accurate without ever actually telling me how.
I filed a fraud report with wellsfargo XX/XX/18. I have made a police report and had around 7,000+ deducted from my account without authorization. I notified wellsfargo and made a claim. I did not hear back from Wellsfargo until the 9th day and on the 9th day, my claim was denied. I was contacted by one branch of the fraud department stating part of my claim was being refunded in the amount of less than {$200.00}. Once he mentioned the wrong dollar amount he placed me on hold and stated he would reach out the main claim personal to have a follow-up call and work to get my funds return as soon as possible. No, follow up. I have spent half my day trying to receive support to learn three cards were sent out and only one was in my possession. I simply want what is rightful mine. The amount is substantial and by law, I feel, I should not be legally responsible for charges not authorized and reported.
XXXX XXXX agrees there should be no balance on my account. I have contacted them three times as of today to have this removed with Credit Control Corporation ( XXXX XXXX VA ) collections agency. They " elevated '' this matter with a XXXX request #. I had earlier disputed this matter with Credit Control Corporation who is reporting this as seriously delinquent and said it is correct collections account on their response to the credit agencies. I called and spoke with XXXX at Credit Control Corporation today who refused to take my information -- thus, they will still reporting my account as " seriously '' delinquent - when in reality according to XXXX at XXXX this should have been removed some time ago.
My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX
I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX
I submitted a dispute for an account with XXXX/XXXX The account was closed, charged off and the debt was forgiven. The creditor stopped collecting on the account. The balance is XXXX. I disputed with Experian and requested the balance to be updated. Instead of doing that, they updated the balance to outstanding and reported a charge off as if it had happened in XX/XX/XXXX. That resulted in them dropping my FICO credit score more than 50 points. I called XXXX and I was told the account was closed, charged off since XX/XX/XXXXand they are have not recently reported. The last time they reported was in XX/XX/XXXX. They did not receive requests from Experian. Experian did not do an investigation as they claimed, they did not contact the creditor. I called Experian to explain and their response was to file another dispute and wait another 30 days. I am trying to purchase a home and this 50 point drop has caused me issues with my new loan.
I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.
This is not my information : XXXX XXXX XXXX. Why is this still reported?
My name is XXXX XXXX XXXX. I file a dispute letter with XXXX, Transunion and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, XXXX and Transunion didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to XXXX and Transunion were 609 and 611 FRCA.