WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
In XXXX 2016 letters containing checks I had mailed to pay bills were stolen. ( Never use a mailbox outside the post office. ) One such check was " washed '' - everything I had written on the check, except my signature, was deleted, and replaced with new information - different payee, different amount, etc., in handwriting completely different from my signature. My bank, US Bank, cashed the check, notwithstanding that : ( 1 ) the ( fraudulent ) endorsement, and all the substituted information ( payee, amount, etc. ) were in handwriting completely different from my signature, and ( 2 ) even more troubling, the back of the check was blank ( except for the fraudulent signature ), i.e., no stamp or any other indication of which institution had accepted the check in the first place. When I asked someone in the US Bank fraud department how they could have negotiated such an obviously fraudulent check, she replied, " Oh, we ca n't look at every check. '' When I wrote US Bank 's CEO, XXXX XXXX, to express my concern about this, which is clearly not merely negligence, but rather willful misconduct, one of  his subordinates replied, confirming that " we 're unable to manually inspect individual checks .... '' To me this is incomprehensible - surely one of the most important if not the most important function of a bank is to take all reasonable steps to verify that checks presented are at least not patently, obviously fraudulent, as this check certainly was. As indicated above, this constituted willful misconduct. 

But that 's not all. What followed has been months, now almost one year, of extensive disruption and an incredible loss of time just trying to put my account in order. I will not detail here all the difficulties I encountered in this regard ( which would have been even worse but for the helpful efforts of a couple of very diligent employees in my branch ), except to note US Bank added insult to injury, or perhaps injury to injury, by adding new charges to the new account I was compelled to open. At this time, a good 10 months down the road, they have refused to eliminate those new charges. In short, I am being penalized for the bank 's willful misconduct!
In  XXXX , I applied for a Federal Loan Consolidation for my Department of Education loans ; I selected  XXXX  to be my new servicer. After Navient, my current loan servicer ( and servicer of my private loans ), received word of my consolidation application -- whether coincidence or not -- raised my interest rates by .25 % : adding almost {$150.00} to my monthly payments.     The customer service representative claimed the rate increase was due to market changes put forth by the Federal Reserve ; those rate increases were made in  XXXX , though, and my  XXXX  interest was not raised. It was not until after word of my consolidation application that my interest rates were increased.
Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.
Experian is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.
I have spent hours on the phone with TransUnion because I can not access my credit report online. They send me back and forth from phone number to phone number. I 've jumped through all the hoops they 've put in front of me and still nothing. These people have huge amounts of power yet I am unable to even get my report to make sure the information is accurate. Where is the accountability? Please work with them to ensure that their product is actually accessible.
On Monday, XXXX XXXX I was notified that my XXXX credit card was used in Florida ( I live in California ) and it was maxed out. I then spoke with the credit card company and they addressed the issue swiftly. However, when I took a deeper dive into my credit I realized that I was a part of the Equifax breach ( I was never notified by Equifax about this ). I then looked my credit report and realized that someone just added a new address in XXXX, Florida. This is a fraudulent address and it is only showing up on my Equifax report. That being said, I have called 9 times now with a cumulative amount of 9 hours waiting to discuss with someone on the phone. Each time after just about an hour on hold they hang up ( I have picture documentation of this ). Then I submit the dispute via the Equifax website on XXXX XXXX. I received the response to the dispute on XXXX XXXX, and the first time I opened the page it says there are no disputes pending. The 2nd time it says it can not help me because my information does not match my report. I have included screenshots on both on this complaint. My credit score has taken a hit due to this, there is now a fraudulent address under my credit file, and there is no way for me to resolve this with Equifax. This can have a long term affect on my credit and for a business to not accept responsibility or help assist is unacceptable. I am turning to you all to help before this gets worse. Thank you!
I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
 XXXX 
Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.
In short, XXXX XXXX failed to disclose essential information regarding loans he procured for XXXX of my rental properties, directly resulting in {$18000.00} in additional expense to me and {$6400.00} in additional compensation for him. 

In XXXX 2016 I purchased XXXX rental properties with loans procured by XXXX. At the beginning of the financing process XXXX provided me with disclosures indicating that the rates on the loans would be XXXX with XXXX points payable for his commission. I never received any other disclosures. Partway through the financing process XXXX informed me that he was not confident that he would be able to finance me in-house through Axiom Financial due to my income, and encouraged me to switch to a different lender. I reminded XXXX that if he included my wife 's income I would easily qualify for financing with Axiom, but XXXX told me that would not be necessary and insisted that switching lenders was the right choice. XXXX never disclosed to me that the original rates and terms he disclosed would not apply to the new loans. My attorney later informed me that this was a direct violation of Utah law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I arrived at closing I learned that the rates on the loans XXXX procured would not be 4.625 % as disclosed, but 6.375 % and 5.875 % instead. Additionally, the commission owed for XXXX 's services would be XXXX points instead of the XXXX points disclosed ; a difference of {$6400.00}. Also, a pre-payment penalty of {$5700.00} would apply if I refinanced. If I did not close using the loans XXXX procured, I would lose {$7000.00} in earnest money and roughly {$30000.00} due to XXXX exchange restrictions. XXXX was on vacation in Hawaii at the time and was not present at the closing to comment on the matter. 

I closed using the loans XXXX procured for me and immediately sought refinancing. The first lender I contacted was able to easily refinance me at 4.25 % on both loans ( it was not necessary to include my wife 's income ). I have now incurred {$18000.00} in unnecessary expense due to XXXX 's unethical behavior : {$6400.00} in paid for XXXX 's compensation above what was promised, {$5700.00} in pre-payment penalties, {$1400.00} in additional loan interest due to the rates being higher than the 4.625 % XXXX disclosed, and {$4900.00} in closing costs for the new loans. When I contacted XXXX about the matter he blamed the lender for failing to disclose and refused to refund the additional amount paid for his commission as he is required to do by law. ( My attorney later informed me that XXXX had full responsibility to disclose, regardless of the lender 's actions. ) Since my experience with XXXX I have learned that several of my personal acquaintances have also had negative experiences with him professionally ; at least XXXX of whom is a former client of his.
Received credit reporting alerts and Transunion is displaying a 30 days late, deliquent, Missed payments account on my XXXX XXXX XXXX vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against XXXX. I am XXXX XXXX and Retired.
Im writing to ask that you consider a specific concern that the banking industry has inadvertently left its customers more vulnerable to fraud in an area that would be easy for them to fix in the ACH ( Automated Clearing House ) transaction capability. The risk was minimal when they created consumer ACH capability years ago, but is substantial in todays reality of hacks of government entities like the Office of Personnel Management and companies like XXXX and XXXX. 

Today many companies automate payments using ACH debits to consumer bank accounts ; however, the consumers control over this capability is almost non-existent. Transactions between personal accounts require configuring debits or credits or both with approvals by both accounts ; but companies need only a consumers routing and account number to withdraw funds up to the limit of {$15000.00} per day per account ( or {$45000.00} per month. ) This leaves the door open to honest mistakes and fraud in numerous ways. 

Currently banks have not yet added configuration capability to safeguard against potential fraud. This was probably well intentioned, aiming to minimize the burden of automated payments on both vendors and consumers ; but it is now a disaster waiting to happen. An obvious scenario would be for a company to acquire a large volume of hacked consumer information, to make massive withdrawals, and then to disappear. ( An overseas shell company, for example. ) This would leave banks on the hook when their customers disputed these transactions, AND temporarily destroy many consumers cash resources. Yes, disputes would solve this for consumers, but the weeks necessary to resolve the problems would seriously impact many families. 

I hope Ive made my point. I believe history has shown that sooner rather than later, someone will take advantage of this vulnerability. Lets get ahead of the game and either persuade banks to provide more configuration capability, or, as a last resort, require them to. 

Last week a mistake by my investment management firm left my bank account almost empty when they made a simple mistake, debiting rather than crediting my account. Fortunately, I had configured appropriate alerts and discovered the problem immediately. My investment management firm is one of the countrys most reputable ; and the same can be said of my bank. However, I still have no ability to configure things to make such a mistake impossible in the future! Im not as concerned for myself as I am for people less fortunate than me, which includes many, if not most, of my fellow Americans. Please consider doing what you can to help correct this situation. Thanks in advance for your consideration.
I entered into a trial modification agreement with  Ocwen  Mortgage and accepted the 3 monthly payment option from them. The initial payments were due   XXXX   XXXX  2017   ,   XXXX   XXXX    2017  and   XXXX   XXXX    2017. Although I  have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with  XXXX ,  XXXX  or  XXXX . These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by ocwen is negatively affecting my  credit score a nd potentially keeping my score from being higher.
First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. 
Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response
CapitalOne Credit has sold an account to a collection agency for the second time using my name and address knowing full well that this is not my account. Their last collection company filed suit after they were notified that this was not my debt. Now I have a permanent mark on my public records. Afterwards they apologized and pulled the complaint. They then sent me the phone numbers of all the credit reporting agencies and told me to handle it myself.
This is the worst kind of predatory actions, trying to force a XXXX year old senior to pay a bill not owed just to stop the harassment when they have records, letters and recorded calls acknowledging this account is not mine and never has been. They also know that my health is bad and yet went forward to start a new attack.
Capital one has caused me to spend numerous days and hours writing and talking to their agents. They offered me a settlement if I signed a legal document that would have caused me to get a lawyer and cost me more than they offered.
I believe that they want to scare people at any cost to make them pay bills without any regard to whether or not it is their debt. They go after family members through their parents and make up false documents to prove their ( changed notary papers ) illegal activities and have enough Attorneys to get away with it.
They probably will apologize and then go right ahead and sell it to another collection agency in the future, and they know that the only way to stop this practice temporarily is to make people keep spending time and effort explain the same thing again.
On XXXX XXXX we received a letter in the mail from Bank of America stating that our Mortgage will be sold to XXXX Mortgage XXXX. Out Mortgage payment is due on the XXXX day of each month with Bank of America and in the letter it states that the loan will transfer on XXXX XXXX. If I understand this correctly it means I should pay Bank of America for XXXX and then we will start payment to XXXX in XXXX. 
On XXXX XXXX we came home to XXXX messages from XXXX Mortgage asking us to call a XXXX number with a specific pin to reach our message. The message stated that we are delinquent on our XXXX payment to XXXX and to continue of for instructions on how to send payment. In addition to the letter from BoA stating that we begin AFTER XXXX XXXX sending our payment to XXXX we have received no correspondence from them at all, nor do we have an account number to attach to the payment. 
I called XXXX Mortgage 's customer service number and talked with XXXX. He twice asked for my account number even though I told him we do not have XXXX due to lack of correspondence from his company. He then assured me that we were fine as we have 60 days from transfer of our Mortgage holding to begin paying and that we should be receiving a welcome packet any day now. He also said that Bank of America should be forwarding our XXXX payment to them, which I am unable to confirm at this time due to BoA customer service being closed. I am troubled that Customer Service tells us it is no issue but we have already received delinquency calls.
Please connect to claim on XX/XX/18 number XXXX I called today after not hearing from the company since last week. I received a call last week and haven't heard from them since after being promised a return call within a few days. I called the number given and extension but it went to a fast busy. I then dialed the number again and requested the person whom I spoke with last week. I was told she wasn't available and I requested a supervisor but was told that wasn't allowed. I also wanted to resolve the matter with their fraud department. I was told by XXXX operator ID XXXX that I had to send a copy of my driver license front and back. He stated the reason was because a prior incorrect approach to dial my number wasn't completed and therefore that was no longer an option to verify my identity. I was told the account would stay restricted. I am very upset that I can't seem to reach any competent person within this entire organization. It feels as if customer service is not to be expected by me the consumer and certainly not provided. I can be reached at XXXX to discuss further.
The company, IC System is trying to collect for a pet health plan that I nop longer want yet they keep renewing. I am not interested, as I explained to XXXX XXXX XXXX in keeping this plan, yet they continue to : '' auto-renew '' it. When they would not stop billing me or harassing me on teh phone, I changed my credit card number to stop teh fraudulent charges yet they continued and have now placed this with a collection agency damaging my credit.
I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.
I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.
We filed Chapter XXXX on XX/XX/XXXX. XXXX was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XX/XX/XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
XXXX is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from Experian.com.
Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.
I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.