WillisBack/dataset-financial-user-claim huggingface dataset:
my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX 
Not XXXXXXXX, closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... 
Not XXXX, Closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
I had a judgment from  XXXX  that was settle for the amount of {$1200.00} and was paid by  XXXX   XXXX   XXXX  on  XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from  XXXX   XXXX  firm, on behalf o f LVNV Funding, who  is supposedly collecting the debt for  XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
In the month ofXX/XX/2018I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.
My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from you.
I received a letter of escrow shortage from Flagstar Bank who is handling my mortgage payments. The escrow shortage has made my monthly mortgage payment increase over $ XXXX/month. I closed on the home only 6 months ago and the taxes, mortgage insurance, and homeowners insurance are all the same as when they were a few months ago when I closed on the home.I discovered on my annual escrow statement, Flagstar has the incorrect insurance premium amount being calculated for escrow ( approx. double what my actual insurance premium is ) My insurance premium was paid in full when I closed on the home. It also shows the correct amount of paid in full on my closing disclosure. Everything else matches up with my closing disclosure numbers, yet no one at Flagstar Bank seems to be able to tell me why there is such a shortage of the escrow and what caused it. Flagstar then re-ran the escrow analysis a second time with another incorrect insurance amount. Which resulted in my monthly mortgage payment still being over a {$60.00} increase per month. This has now been going on for 3 weeks and it still has not been cleared up. Someone at Flagstar Bank entered incorrect information that caused this increase which is incorrect and now it seems the are unwilling to re-run another escrow analysis when it was their error internally in the first place. After all of this for now almost 3 weeks, no one at Flagstar has been able to give me a straight or deifinitive answer as to why there is an such a drastic escrow shortage that increased my monthly mortgage payment so much. I have all my documentation from fully paid homeowners insurance, closing disclosure and tax information. Which is all the same as it was 6 months ago in XX/XX/XXXX when I closed on the house. Yet no one at Flagstar can give me reasons why the incorrect insurance information is in my account and why the escrow shortage and increased monthly mortgage payment. Please help, as Flagstar has been no assistance so far.
I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.
On XX/XX/2015, I filed a complaint with the CFPB regarding the following re-submission ( please see copy of cfpb complaint ). 
XXXX card member services was attempting to collect a credit card debt from me for the XXXX XXXX XXXX, XXXX credit card that also had my name, XXXX XXXX listed on it. I attempted to resolve this with XXXX XX/XX/2015 to no avail, by the following methods : 1 ) Telephone requests to provide proof that I, XXXX XXXX, was personally liable for this XXXX account. 
2 ) Written request for copy of personal liability for business account-by certified letter dated XX/XX/2015 ( see copy being mailed ). 
XXXX responded with a letter dated, XX/XX/2015 claiming that I was the responsible party for the account according " to their records '' ( see copy being mailed ). 
.On XX/XX/2015 XXXX sent me a letter stating : " Action Needed : Make a payment right away to prevent your account from charge off '' ( see copy being mailed ). 
I filed an online complaint with the cfpb regarding XXXX on XX/XX/2015 ( see copy being mailed ). 
On or about XX/XX/2015, a collection company called me personally about collecting the XXXX XXXX XXXX XXXX XXXX credit card debt, at which time I told then that I had just filed a dispute with the XXXX Consumer Financial Protection Bureau. The collection agent said that they would then send this back to XXXX. 
XXXX then discharged the debt, and sent me a XXXX in the amount of {$8400.00} on XX/XX/2015. 
While the above information was being sought by me, and before the demand letter from XXXX was issued to me on XX/XX/2015, ( see enclosed ) XXXX must have issued derogatory information regarding me personally to the credit bureaus because on XX/XX/2015, XXXX reduced my credit line on my actual personal credit card account, which negatively impacted my FICO score. 
My personal XXXX credit card issuer then followed suit and reduced my credit line impacting my FICO score even further. 
This discharge of the debt has caused my personal FICO score to drop even further and it is my belief that it has caused me to be denied for auto loans, and for an SBA loan for Disaster Relief due to Hurricane XXXX. 
I would like the following relief : 1 ) Remove the charge off from my credit report. 
2 ) Compensate me for the {$8400.00} that was issued on the XXXX XXXX ) Raise my credit limit on my personal XXXX card to it 's former status. 
4 ) Provide me with a loan in the amount and interest rate ( 1.9 % ) that the SBA denied me, due to XXXX 's wanton and malicious maligning of my credit
IN VIOLATION OF TCPA ( SEE ATTACHED LIST ) CALLED ALL NUMBERS WORK, CELL, HOME AND OTHERS INVIOLATION OF TCPA
I'm a first time home buyer who just closed on her first home Friday, XX/XX/2018. Iberia Bank was the bank that handled my loan. 

On Monday, XX/XX/2018 I received a call from XXXX XXXX NMLS # XXXX, who handled my loan. He stated an error was made at the time of closing. I received my earnest money back ( {$500.00} ). He stated I wasn't suppose to received the money back and I had to pay the {$500.00} back immediately. When I questioned why, he mentioned something about the {$500.00} affecting a grant that was applied to my loan. After I explained to him that I didn't have {$500.00} immediately, he mentioned I had to XX/XX/XXXX to pay the {$500.00} ; along w/my first mortgage payment of {$790.00}.

I'm filing this complaint because I don't agree with what the loan officer is trying to do. I asked him to forward me the email from the individual stating I owe the {$500.00} back. I will forward a copy of the email as well as a copy of my Closing Disclosure for your review.
XXXX, XXXX XXXX XXXX, XXXX XXXX repair all started from trying to help me with housing then wanted to do a credit check placed hard inquirys I'm still homeless I've paid for inquiries I didn't do when I'm trying to astblish credit, I'm not looking for cars when my license are suppended these address es listed don't add up I'm tired of payments with auto pay nothing is beIN done period I wrote letters an etc
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL XXXX XXXX
California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.
Status Claim XXXX in progress and therefore we need to submit a second claim regarding the same matter. 
We, XXXX XXXX XXXX and XXXX XXXX have followed up repeatedly with Wells Fargo regarding our case of an Escrow Account that they imposed on us and that we have had to repeatedly request deletion of throughout 2016 to date. XXXX and I, XXXX, take the initiative to contact both XXXX XXXX and XXXX XXXX, Executive Specialists of the Wells Fargo XXXX XXXX and XXXX XXXX. repeatedly about the case. Yesterday, XXXX XXXX, 2016, we tried to reach XXXX XXXX and XXXX XXXX. We often end up recounting our case to a backup contact in their group.We asked what the specifics they are seeking to conclude their research. The back-ups typically state that they will pass on a message to have either on call us back. We often take the lead to follow up on as we do not hear from them within the promised 24 hours stated on their phone system. 
***********Therefore their RESPONSE in claim XXXX is not truthful : Response : We 've been unable to establish contact with our customer, XXXX XXXX XXXX however, we did speak briefly to the co-borrower XXXX XXXX . We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. XXXX There were one or two occasions that we did not return calls on the same day. There are multiple times that we repeatedly needed to attempts calls to finally get them in person. have followed up repeatedly with this team and have support documents, their letters to us since XXXX XXXX and this does not include their conversations stating that they will close and delete the escrow that occurred XX/XX/XXXX and XX/XX/XXXX! The amounts showing on the Escrow Account, they assigned are payments that they have pushed to the XXXX XXXX County Tax Collector for Property Taxes that we have already paid! Also, they have pushed payments for our home insurance to XXXX XXXX causing confusion as we have already paid those. XXXX took steps to follow up with both XXXX and XXXX XXXX who returned payments to Wells Fargo so that the Escrow account showed a XXXX balance. They keep saying they are working on a deletion. Quiet the contrary, we got an Escrow statement in the mail on XXXX XXXX and they have repeated their pushed payments for property tax and home insurance once again! Due to this situation, we have provided them with XXXX cashiers checks for our agreed on mortgage of {$2600.00} and monthly XXXX has paid them at a local Wells Fargo branch. On their Escrow statement they show that this amount is " on hold ''.
XXXX XXXX HAS CONTACTED ME AND PEOPLE RELATED TO ME MULTIPLE TIMES A DAY. GIVEN OUT INFORMATION THAT SHOULD NOT BE GIVEN OUT. EVERYTIME I CONTACT THEM, I CAN NOT TALK TO THE SAME PERSON. THEY ARE HARRASSING ME AND PEOPLE RELATED TO ME
I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.
The CitiGold checking account rewards program has cost me {$64.00} in fees so far and does not deliver its promised benefits. The program promises to provide tens of thousands of XXXX XXXX points, if a customer opens a CitiGold checking account and completes a number of steps such as setting up bill payments online within a few months. I signed up for the offer and opened an account XX/XX/2016. I also went to a local branch to provide my information such as tax record, social security number, etc. to complete account opening process. 

To set up bill payment ( a requirement for receiving the benefits ), I need an online account ; to set up the online account, I need a debit card and a password ; the problem is I have never received the debit card and password for several months and now the required timeline has elapsed. After speaking with customer service XX/XX/XXXX, I did receive a debit card, but the password never arrived. Meanwhile, because there is XXXX balance in my account, I was left with account maintenance and overdraft fees of at least {$64.00} as of XXXX XXXX, 2016. 

Citi 's practice is unfair. I opened the account and was willing to complete the steps required to take advantage of the offer. However, an essential part of what is required - receiving debit card and password - is missing due to Citi 's lack of oversight of its operations. What started as an attractive incentive program ended up in fees on my account and no benefits at all, and there 's nothing I can do to avoid it.
HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus  reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
I have been applying for a modification and they have stalled for over 2 years. I was canceled many times due to paperwork not being ( all docs were factually in on time ). After appealing numerous times and proving they were wrong that all docs were in they put the application through. By this time I was so far behind they denied me due to " excessive forbearance ''. 

This was caused by them continuously canceling under false pretenses
i did recevi not on my house i owe selip & styliano XXXX collection agency monney i did spoke withe this pople to provide me prove of the account they never did send me prove, they claim to be lawers some time they claim tobe collection agency, thee account they r saying i owe monney is abou 10 years old so i toll them please send me proves, first name they use was XXXX XXXX second name they use XXXX XXXX nothing matches they thret me the bother me for thee account i never owe or have any id was opend 10 years a go, please XXXX help me to resolve this problem any prove they have to send to you please send those to my house THIS COMPANY SELIP & STYLIANO THEY SAY WE R COLLECTION AGENCY SOME TIME LAWERS THEY USE DIFERENT NAME LIKE Cohen & Slamowitz THIS IS SCAME FROM THEM XXXX COMPLAINS I READ WHAT THEY TRY TO DO TO PEOPLE WHO THEY R WHY THEY USE DIFFERENT NAMES
I opened a Citigold checking account which had a sign-up bonus of XXXX XXXX miles after meeting some requirements. Once I met those requirements, I contacted Citi to see where my miles were and they told me that I did meet the requirements as I was supposed to, however, they were not going to honor the XXXX XXXX miles because I was n't targeted for the promotion. I have a screenshot of the promotion that says I am targeted, so I do n't understand why they would say that. It seems like they just do n't want to give me my miles.
In XX/XX/2018 I canceled my cable and internet service with XXXX due my moving to an area that XXXX did not provide service for. Close to a month later I received a bill for XXXX dollars and XXXX cents. In early XX/XX/XXXX I spoke with a customer service rep and told her ( can not remember name ) that I was scheduling a payment. I scheduled the payment to come out mid XX/XX/XXXXand I  AUTHORISED XXXX to debit my checking account for the amount owed. On XX/XX/XXXX they finally debited the amount from my checking account. On XX/XX/XXXX a debt collector mailed a collection letter to me that arrived to my address on XXXX stating that XXXX has placed me for collections with them. The companies name is Easter Account System of Connecticut. I have no idea when I was actually placed for collections however I was told by a customer service rep that as long as I scheduled the payment I wouldn't be placed for collections.
I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of? 

Thank you for looking into this matter, XXXX XXXX