WillisBack/dataset-financial-user-claim huggingface dataset:
I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.
This complaint is associated with complaint # XXXX and XXXX. XXXX XXXX and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with XXXX XXXX Credit Card and Transunion repeatedly about this concern. I finally was able to speak with XXXX at XXXX XXXX XXXX from XXXX XXXX. He had reached out to the XXXX XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me todayXX/XX/2018 to tell me that Transunion needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and Transunion to block any updates to my account. XXXX XXXX has confirmed this issue is due to Transunion 's system and Transunion has confirmed that the an issue is with XXXX XXXX XXXX system. My account has not been update with my XXXX credit report since XX/XX/2018.
I originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.
I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

Sincerely, -- XXXX XXXX XXXX XXXX
Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!
Hello, approximately 6 months ago XXXX XXXX form a co named Brown and Joseph in ILL called me and said they were collecting a dept from and insurance pollicy for my workers comp that i failed to properly complete my audit. i explained all moneys were paid and that i changed insurance cos. He said he was going to file a lawsuit and lein my house and co but if i gave him {$3000.00} he could reopen case and tell me what costs were from. I foolishly paid him and set docs. He contacted me agin to collect, when i researched his co found many complaints like mine .He is rude and is harrassing me with phone calls. please let me know if there are ways i could get my fraudulently taken funds. There contact info is below. Thank You XXXX XXXX, Brown and Joseph limited management and consulting XXXX XXXX XXXX # XXXX Rolling XXXX iL XXXX
I am disappointed in Wells Fargo 's decision not to reimburse me for the XXXX {$5.00} service fees I was charged on XXXX XXXX, 2015. 
This entire incident occurred simply because the woman in charge of the XXXX XXXX Wells Fargo office did not tell me this was some sort of special savings account and did not tell me there was a minimum account balance. All I wanted were XXXX plain, old fashioned, savings accounts. I have closed these accounts ( XXXX and XXXX ) and transferred my direct deposit payroll to a credit union. I no longer use my Wells Fargo checking account for anything other than cashing checks that are sent to me.
I believe that the 8 % interest rate on my consolidation loan rate is fraudulent. I have tried multiple times, without success, to find out from AES, the consolidation loan servicer, how this rate was calculated. According to the loan document small print : " The maximum interest rate on this loan will be equal to the weighted average of the interest rates on the loans consolidated ... '' The rates on the original loans range from 3.45 % -3.6 %. Logically, the rate on my consolidation loan should fall somewhere in that range as well, yet I have been paying 8 % since 1997. I want my loan to be re-calculated at the correct rate and any overpayments i may have forwarded to be returned to me at 8 % interest.
To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, Transunion, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, TransUnion ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, TransUnion closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
XXXX XXXX  Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and Out # XXXX  Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

NCB Management # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
In early XXXX opened an TD Bank checking account and transferred in funds. I did not receive checks. A visit to a branch to resolve the matter resulted in assurances the checks would be resent for a fee arriving around XXXX XXXX. None arrived. A call resulted in another assurance that checks would be sent, for a {$30.00} + fee, which the customer representative claimed was waived. Weeks later, nearly two months after opening the account, I have no checks. I have received a debit card. The bank has my correct address.
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time
I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call  I get about 10-15 phone  a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}
Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX
I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.
In the course of banking with Chase I was given the option for overdraft protection and chose to decline all overdraft protection so that if a charge was made that I did not have the funds to cover Chase would decline the charge. I believe I made this choice sometime around 2010 and it worked beautifully on the few occasions that it became an issue. 

Sometime between then and now they began allowing overdrafts again, this changed without my knowledge or permission. I have not agreed to any overdraft protection but have, once again, paid the occasional overdraft fee. Each time I have spoken with a Chase representative and am told that they never offered the option to decline charges and that the decision to allow overdrafts is made by a computer algorithm.
This is a follow up on complaint  XXXX  filed  XXXX   XXXX ,  XXXX . The previous company has now changed their name fro m Law Enforcement Systems , LLC (  F rating by BBB  ) to    Professional Account Management, LLC   at the same address. After I filed the initial complaint I did not hear anything from either the CFPB or Law Enforcement systems until Friday  XXXX   XXXX ,  XXXX . Professional Account Management continues to try and collect an illegitimate debt even though I have provided them with documentation proving I am correct. They refuse to go back to the original creditor and make them prove that the debt is legitimate. Please see complaint  XXXX  for the original documentation provided.
I sent numerous letters to XXXX, Equifax, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the Equifax Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
In XX/XX/XXXX I purchased a house in XXXX Florida In XX/XX/XXXX Loan Care, a service company, took over collecting my mortgage. 
Around XX/XX/XXXX Loan Care demanded I purchase Flood Insurance claiming I was in a Special Flood Hazard Area ( SFHA ). I proved to them by uploading to their site copies of a Federal Emergency Management Agency Letter of Map Revision ( LOMR ) dated XX/XX/XXXX proving I was not in a SFHA. They rejected this proof as being out of date and purchased Flood insurance for {$2100.00} and billed my account. They are now trying to collect the extra amount by adding it to my mortgage. I protested and sent them a updated FEMA Standard Flood Hazard Determination Form ( SFHDF ) showing my house is not in the flood plain. Now they say I am not paying my mortgage and are threating to damage my credit rating. I have supporting documentation. I have written several letters and spoken to 'customer service many times.
Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.
XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are both writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Esser James and Associates, LLC is attempting to collect a credit card debt. This company has my current address and phone number. Despite having this information, they are contacting my mother, sister, and uncle and leaving messages " that I have pending legal matter '' and need my attorney to call them right away to resolve the complaint. 
When I contacted the collection agency, I was told by an agent and a supervisor that they had every right to call third parties. There are NUMEROUS complaints on the web about this company calling and leaving messages about " pending legal matters '' with family and friends. Esser James and Associates must be held accountable for violations of the FDCPA.
On XX/XX/XXXX, I was hired by XXXX, Director of Employee Compliance to work at XXXX XXXX. I was told I needed a company computer and equipment to work from home until the company moved here in 3 months. I was sent a check for for XXXX. I put the check in XXXX XXXX 's account because withdraws were coming out of my account and I did n't want that to interfer with the company 's check. I put the check in Chase bank on XX/XX/XXXX and they held the check until XX/XX/XXXX. On XX/XX/XXXX, I bought equipment from XXXX XXXX for XXXX, XXXX XXXX for XXXX. On XX/XX/XXXX I bought equipment from XXXX XXXX for XXXX, and XXXX XXXX for XXXX. I check returned to Chase on this same day. I called customer service, they said they didn ' know why. I later believed it was a fraud and called Consumer Protection Services to verify. The lady said it was employee fraud and immediately put a fraud alert on the account with Chase. Chase customer service supervisors were rude and demeaning. The supervisor said the check must have " slipped by someone '' and I found out today that a business in the amount of XXXX should not have been applied to a student account. If all these measures would have been taken the check would have been denied and this would have protected XXXX XXXX 's account as a consumer at Chase. Instead they refuse to give information for me to escalate my concerns. The fraud department will put me on hold and never come back to the phone, and this bank takes no responsible in the negligent behavior displayed by this bank. Because of this I would like the amount of XXXX to be waived due to negligence on part of Chase Bank. The check should have never cleared and a business check should not have been accepted into a Student Account. If you would like anymore information I have to reference number where I filed a complaint with XXXX XXXX and the Consumer Protection Services, XXXX reference numbers receipts and communication from theses perpetrators. The address of the Chase Bank is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. My email is XXXX. Thank you in advance for helping me with this unfortunate matter. Thank you, XXXX XXXX
I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off my credit report
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my XXXX  Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my XXXX XXXX { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a XXXX month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to XXXX  and Transunion XXXX XXXX XXXX for a HEADS UP!!!