WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
The Experian website shows conflicting data on my credit. One page shows that I have a potentially negative item that is a late payment on a mortgage. That was cleared up by XXXX. XXXX notified the credit agencies, and Experian updated the payment history on my account to reflect no late payments. However, they did not update the negative items on my credit. It is no longer a negative item and should be removed as a negative item. When Experian looks in to the issue they will show that there aren't any negative items to update. That is correct, but their pages do not reflect that. I can provide attachments to show this.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.
From a cell phone account that I was added to as a user, but not the primary account holder. I was not the person that opened the account, or signed the agreement. XXXX attempted to extort me back in XXXX 2014, but when they realized that I was not the party responsible, they stopped. Apparently Enhanced Recovery has ties to XXXX in some way, because my score has dropped XXXX points while trying to dispute this. I was told that every time XXXX talks to Enhanced to try to straighten it out, Enhance refuses, and XXXX refreshes the debt and lowers my score. Enhanced has never attempted to contact me to resolve this issue. I call them, and they know that it is now my information, but they still wish to extort me. My score is so low now that I have begun suffering losses because of it.
On XX/XX/18, I was informed by a mortgage broker that my Experian credit report was unable to be pulled. 

I called Experian. No customer service representative could explain why this was the case. I spoke to a manager named XXXX. She was extremely unhelpful and admitted that Experian had made a mistake but was unable to fix it promptly. 

She also indicated that Experian was unable to follow up with me to give any status update about when the error might be fixed, because " that is not what they do ''. She was also unable to give me her phone number to check in on this matter. Finally, she told me this was impossible to escalate and that no one at the company existed that could be helpful. When I pressed, the customer support team admitted to not having " any answers ''. 

I am unable to proceed with my mortgage based on this error.
The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.
After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your compa ny Money Recovery Nationwide from 2013.. I am  requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your compa ny Money Recovery Nationwide. Ceas e any credit bureau reporting until this debt Is validated by me.
To Whom It May Concern, I would like to place a written complaint with Loan Care (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  ). After numerous phone calls requesting an explanation of my Escrow account including the removal of my PMI dating back to XX/XX/XXXX , I have yet to receive a single return phone call or Email. Any and all efforts made have been on my behalf. Any speaking to several different customer service employees including "  XXXX ,  XXXX  XX/XX/XXXX  and   XXXX     XX/XX/XXXX  '' and being promised that a manager would call me back regarding my concerns, I have yet to receive any phone calls. After being previously told that my PMI would be removed once my original loan amount was paid to 80 % or below, the PMI would be removed automatically. On   XXXX   XXXX   I was told that I must place a written request to have the PMI removed, which I did and immediately received a replay email on that day. The replay email stated that I please wait 5 days for a response. As of  XX/XX/XXXX  I have not received an Email, Hard copy or a return phone call. This company has the worst customer support group that I have ever worked with, regarding any phase of business. I do have copies of the corresponding emails.
i do n't know if this is the right area.? a place called XXXX collection agency keeps calling. this last message said i am a direct decendent and civil action is going to happen to me cause of breech of contract on a payday loan i took out years ago. I saw online that place is a scam XXXX they called my mother and my cell phone. how can i stop them from calling me?
I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.
My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.
An account with XXXX XXXX XXXX from XX/XX/XXXX in the amount on {$380.00} that was due to fall off ( or already has ) was illegally re-aged in XX/XX/XXXX. I sent a dispute to Equifax and they closed the investigation without any information on why it was not deleted. I re-submitted the claim and still not information and being unresponsive. 

It has already been removed from XXXX.
I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.
To show it may concern I XXXX XXXX have an issue with discover credit card for something that was promised to me and something that was notated in the system as to receive an adjustment credit of XXXX after completing the XX/XX/XXXX payment as agreed. 
I Am not talking about the credit adjustments discover gave me for the first 2 payment made I receive those adjustments the one Im having a concern about is thr one of XX/XX/2018 I spoken to a representative that enrolled me in to the auto pay payments. s we discuss my account she saw that there was notes saying that after I have completed the XXXX payment of XX/XX/XXXX once the payment had finished process and posted in the account I would get a XXXX credit adjustment for the month of XXXX As I paid the XXXX Days have pass by and nothing has yet been adjusted I repeat this is regarding the XXXX payment not Any other month I Also have that call recorded as all of my calls get recorded for a special reason that for all of my payments I had problems before with different banks and everything was recorded situar I can prove everything we said and discuss is in the recording. 

I am dissatisfied and disappointed at discover for promise someone something and than not doing it. 
I think I deserve it I work hard to become current and have my account back on track
Good Morning, On XX/XX/XXXX I was trying to login to my bank of American acct, I couldn't log in so I left to the gym and I didn't put attention next morning I got a notification the I was low on my acct so I try to log in I couldn't I have to reset my password so I change my password and that's when I found out the some one make a transfer for XXXX I make police report. A week later they call me saying they were able to give me the credit back because they were saying i was the one who make the transaction and i told them i don't know this person i don't know the email address or phone number and until now we are in XXXX they don't want to do anything because they need proof i don't have any proof i send out proof from XXXX the we got a notification saying the they stole customer information. i don't have anything else to proof the it wasn't me, they know where the money when they have the other person information but they still think it was me who make the transfer. last thing i want to mention i didn't get a notification when the person make the transfer and they saying they did send me something and when i change the email address i did receive a notice, thank you and i hope you guys can help me
I paid off mortgage onXX/XX/2017, They had 90 days to return title and deed, I've called Bank of America three times. 
No can tell me when my will be returned document 's. They have had 120 days and counting.
This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.
Please know that I was not late on this account. I wonder why XXXX, Experian and XXXX report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Applied for a refinance, they checked my credit and took all my info. I asked if they could do a lower rate but they could not, so I said it 's ok, send me my loan estimate anyway, and they would just not send the estimate. This is the 3rd business day since I applied, so I tried calling and emailing again, finally they sent me a preview of one page of the loan estimate, and this does not include the rate quoted.. I asked for the other page but again, no answer.
Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about this.
Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.
I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.
Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.
First Home Mortgage transferred the servicing of my mortgage to XXXX Bank. This has created two problems : ( 1 ) First Home Mortgage never informed me about this transfer before my payment is due, and ( 2 ) XXXX Bank says I owe more for my mortgage than the documents that I signed with First Home Mortgage.
The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both Equifax and XXXX, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )