WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.
Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.
XXXX has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

Hunter Warfield , Inc . 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Im requesting your help to resolve this issue. I received a modification mortgage from Ocwen Mortgage company, XXXX of 2013. Before the modification my mortgage loan was from XXXX XXXX. I have been paying my mortgage on time since the modification. I am in the process of refinancing my car and was told by my bank, XXXX residential is still reporting to XXXX credit company. It looks like I have two loans on the same property. I have mailed them a copy of my credit report and still nothing has happened. I spoke to Ocwen and they see the reporting but always says they will investigate, but still no correction. I have only XXXX loan on this property. They instructed me to upload docuentation showing the credit issue. Everytime I try to upload the information. I always get " error page not found '' notification.
U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.
Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.
XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
Requested information on this account for over 1year no response .Requested paperwork and all information .This accont was set up with out my approvel.Reporting closed on one report and active on another, limit went from XXXX to XXXX .This is not my account.
After checking my credit report and seeing a mortgage servicer on all XXXX bureau 's, I had informed them of ID Theft was involved in getting that mortgage and it was not mine, along with a few other situations on my report. They have not removed nor have they asked for anything but payment to them. I refuse to pay for something I did n't do. I did back in 2009 file an ID Theft report with the local sheriffs department to have placed on my credit reports to stop all illegal activities.
XXXX XXXX incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan #  XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted XXXX XXXX beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from XXXX XXXX dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned XXXX XXXX again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with Equifax to have this item corrected. The other two bureaus ( XXXX and XXXX ) do not show this incorrectly. 

On XX/XX/XXXX, I called Equifax ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by XXXX XXXX on XX/XX/XXXX as claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between Equifax and XXXX XXXX  and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.
I recently attempted to purchase my dream condo with the lender USAA. Consequently, the lender refused to honor both a verbal and written 45 days " Lock-In-Agreement. '' Instead of honoring the agreement, the company attempted unsuccessfully to change the terms. They increasingly became irritate about the situation and started falsely accusing me of not providing the information that they requested in an attempt to get out of the agreement. When that attempt did not work, they instructed me that I need to withdraw my application -- an application that they later admitted did not exist. I was unsuccessful in my goal to purchase the condo due to the company refusal to honor the " Lock-In-Agreement. '' Is there anything that I can do about the situation other than just complaining to your organization or suing? Please help. Thanks.
XXXX XXXX XXXX is continuing to sue people in new jersey. 
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.
Referring to my previous complaint case # XXXX I entered into a new contract with Citi with the same results of them failing to fulfill their obligations. I called Citi during the contract period three times to remind them of their obligations. They let the deadline pass without applying triple interest which was agreed upon. I can not be the only one that this fraudulent method is affecting. So one more time I would like an explanation of how these mistakes are continually made enriching Citibanks balance sheet and leaving some poor consumer like me never knowing they were swindled. Every time I called Citibank they were completely unaware of the promotion and monies due me. I 'm glad I kept the records for 90 days not everyone does.
InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.
I withdrew from school XXXX University online division, and every time I go online to see if my account has been fixed to see what I may owe the school or loans the numbers are different one day I dont have a balance the next day the the numbers are changed and I have a balance, the last time this happen they delayed my stipend for 4 months, I trir6talking to a supervisor and got no where I ended up going to the corporate office and it was resolved but now they are doing it again.i have pictures of this.
Without making an application this credit card came to my mailbox. When I tried to make a payment on my account no. XXXX XXXX XXXX XXXX, the representative that processed the transaction did not record all of the numbers to my account in order for the the payment to be made on time. This resulted in a late fee to be charged to my account. The minimum payment due was {$80.00} dollars. However because the payment was late, the total payment due is {$140.00}. This is {$80.00} plus a {$63.00} late fee I have become current with the account however a late fee is still charged to my account when I am not late. I was told by XXXX of the representatives that if I paid the late before the next billing cycle that starts on the 7th of each month, another late fee would not be incurred on my account. I have paid the late fee {$100.00}, and {$43.00} before the next billing cycle however on the company XXXX XXXX bank is charging me a minimum payment of XXXX or XXXX added to the minimum payment as if it is late. In trying to collect the late fee I was told by one of the representatives to expect to be called in the late hours of the evening. 

These transactions are verified to make sure the information is correct.
In XXXX my escrow account was debited twice for property taxes although the charges were not all invoiced as property taxes. 

Throughout the year my escrow account was debited in the amounts of : {$22000.00} and {$3100.00} in XXXX XXXX, {$6300.00} in XXXX XXXX, and {$6300.00} in XXXX XXXX. 
The total of these debits were {$38000.00} which was an exact match of what the " PROJECTED '' property tax disbursement was. All those amounts were actual debits paid from my escrow account and were titled " ESCROW PAYMENT ADJUSTMENTS ''. 

Later in XXXX of XXXX when the actual property tax bill was issued, it was debited and paid in the amount of {$37000.00}. 

In effect the total debits from the escrow accounts were the actual taxes paid in addition to the ESCROW PAYMENT ADJUSTMENTS totaling {$75000.00}. As the monthly escrow payment only estimates for the annual tax of approximately {$38000.00} or $ XXXX/month, this has left a negative escrow shortage causing the servicer to raise my escrow payment for the coming year by {$3000.00} in addition to the {$3200.00} I currently pay into escrow each month. 

I checked county records and my property taxes are paid up to date for prior years, therefore there is no explanation left other than this is a clerical error. I have made several attempts at resolving this with Mr. Cooper employees and their supervisors but none of them have answers as to what those charges are, but they will not refer the matter to someone who will help resolve the matter.
I have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute
On XX/XX/XXXX, I wired {$50000.00} from XXXX to Coinbase account, following their instructions. Coinbase website states that the money should be available 3-5 business days after the wire transfer. 
A week later, on XX/XX/XXXX, I contacted XXXX to check on the wire, as I have not received it. XXXX pulled up XXXX and confirmed that the money was accepted by Coinbase. They sent an inquiry to Coinbase and advised me to contact them as well. 
Ive called Coinbase customer service number, and got an automated message stating that they are not responding to any questions other than technical. I filed a support request via an email form on their website. I also sent several messages via @ coinbase_support on XXXX. No response was received. 
On XX/XX/XXXX after repeated attempts of XXXX and myself to get in touch with Coinbase, no one responded. I found a Coinbase contact on XXXX ( XXXX XXXX, VP of Payments ) and emailed her with the description of incident. She responded to me next day, assuring that someone from customer service will get in touch. 
After several days of back and forth, on XX/XX/XXXX I received a generic email from Coinbase stating that recently they have reviewed the wire and the name didnt match so they have to send it back. Another email of XX/XX/XXXX confirmed that the wire has been sent and it will take 3-5 business days to be returned to XXXX. 
On XX/XX/XXXX, the money has not arrived. XXXX looked into it again, and confirmed that Coinbase has not even originated the return. 
In sum, its been a month since I sent {$50000.00} to Coinbase following their instructions. The bank accepted the money, didnt deposit to my account and didnt return it. Theyve made no good faith attempt to resolve my complaint. Moreover, theyve provided no reasonable way for me or another bank to contact them. They are violating the consumer protection law and are engaged in fraudulent activity. {$50000.00} is a big part of my life savings and Coinbase defrauded me of it.
These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?
In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment history.
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and  XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
My son has had a savings account with the XXXX XXXX ( XXXX ) for over 15 years. He recently applied for an access device ( as defined by Reg E ) for access to the savings account. I am a custodial parent on the account since its inception and I signed the form for him to receive the debit card. The XXXX  pulled a HARD CREDIT REPORT on me on XX/XX/XXXX for his access device ( debit card ) on his existing savings account. I did not authorize this credit pull, and it has negatively impacted my credit score due to the HARD pull. I would not have permitted the debit card application had I known the XXXX would pull my credit report for such a request. I contacted the XXXX on XX/XX/XXXX to ask to have the hard pull removed, and they informed me on XX/XX/XXXX that they would not remove the inquiry, since this is per their " policy. '' I find at a minimum that the HARD credit pull is UNFAIR and DECEPTIVE by not disclosing this credit pull from me prior to the access device application. Please keep in mind that this is for a debit card on an existing savings account, not a new account, and there is no overdraft protection or any other credit element. At most, I do not believe the XXXX had a permissible purpose under FCRA Section 604/606 to pull my hard credit report for this activity.