WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with bank of america back inXX/XX/XXXX for the first time I believe ( Not 100 % certain of date ) and I went to open and account and was informed I had an account with them already opened in XX/XX/XXXX orXX/XX/XXXX ( Can't recall exact year ) I informed them I have NEVER had an account with them. They informed me it was opened online and said an email was listed for me with A name of XXXX. I informed them clearly it was a fraud account. They assured me this would be corrected. They sent me A package to fill out for A fraud report. I filled it out and faxed them back. No response. Today I went into A branch to see if it was resolved and to open an account. They inform me account still shows I owe A balance. How!? I did not open this account!! I need help getting this resolved.
In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.
WAYPOINT RESOURCE GROUP has been reporting fraudulent, and unauthorized information to credit bureau ( s ) since XX/XX/2018. I see the creditor reporting for $ XXXX.All is unauthorized use of my trade name that is registered within my state of birth. Also they continue to utilize my copyrighted material, & trade name although they were sent written notice for verification.
Around the XXXX, I was sued by XXXX a subsidiary of XXXX, for the unpaid Chase Bank USA , NA, debt which was jointly incurred by my former husband and I but was in my name. Before XXXX filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. XXXX did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt XXXX took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. XXXX literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that XXXX took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, XXXX failed to comply with California Rule of Court XXXX by failing to immediately alert the Court regarding the settlement. 
Around the second part of XXXX XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with XXXX to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. XXXX attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of XXXX and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of XXXX and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once XXXX received my final payment, it reneged on the terms of its own settlement letter. Furthermore, XXXX failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent XXXX from harming consumers who, in good faith, comply with their settlements with XXXX while XXXX feels entitled to renege causing consumers to incur additional expenses.
I contacted TransUnion and spoke a credit rep for them to removed these inquiries that reappeared on my credit report after their " inquiry issue '' and they told me that they would NOT help the inquiries that are listed below were removed off my report and then reappeared without any notification why. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016
Union Bank sent me a new " chip & pin '' debit card about 2 1/2 weeks ago. I did not ask for this card ; they just sent it to me. I activated the new card as soon as I received it. However, I have been having one problem after another using the new card. I read through the literature that Union Bank sent along with the new card, to see if there were any tips on how to resolve any problems with the new card. There were not any tips given ... just legalese. 
XXXX XXXX said Union Bank had declined my automatic payment on XX/XX/2016, even though there was plenty of money in my account. XXXX XXXX then canceled my car insurance and renter 's insurance. XXXX XXXX XXXX would not accept the new card either. I should add that the debit card number is the same on both the new card and the old card. The expiration date, however, is different on the new card. The CRV number is also different. Nowhere in the Union Bank " chip & pin '' literature did it say for customers to contact merchants/automatic payment companies with a new expiration date. 
Then, yesterday, at XXXX in XXXX, CA, my new debit card was denied for a purchase of XXXX. My card was scanned through their card reader at least 7 times. The card reader had chip technology, so the clerks tried to scan the card both ways. In addition, XXXX insisted that I was entering " the incorrect pin number. '' I actually entered the correct pin number 4 or 5 times into their card reader. There was a long line of people behind me, and it was humiliating to be turned down for a XXXX purchase. The XXXX manager said, " we 're sorry, but we can not authenticate this card. '' I ended up having to write a physical check, which, of course, just held up the line even longer. 
As soon as I got home, I double-checked the balance in my bank account, which was fine. I also double-checked my pin number ... I had indeed been using the correct pin at XXXX. 
The XXXX manager told me to call Union Bank this morning ... that the bank would be able to see in their system why my debit card had been declined on XX/XX/2016 so many times. I called the XXXX XXXX, CA branch of Union Bank this morning. The gentleman who answered the phone, XXXX, said there had indeed " been a few problems with the new chip & pin cards. '' He gave me a national XXXX Union Bank number to call. However, when I was finally able to reach a real, live national Union Bank employee at XXXX XXXX. PST XX/XX/2016, and explain what had been happening with my new debit card, she just transferred me back to the bank 's automated phone system.
Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
XXXX, XXXX and Equifax has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.
SENT CERTIFIED MAIL REQUESTING AMERICAN EXPRESS SEND A MONTHLY STATEMENT WITH MY FULL ACCOUNT NUMBER ON A PERSOANAL LOAN I TOOK OUT WITH THEM TO DATE I NEVER RECEIVED LOAN DOCUMENTS AND OR FULL ACCOUNT NUMBER .I AM STILL WAITING, I THINK I GAVE A WRITE TO A FULL ACCOUNT NUMBER FOR MY RECORDS.
There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale.
I 've been harassed by this company for 3years. They removed funds from my XXXX account, and they 're still harassing me. The gentlemen basically threatened me today, disclosing information that 's none of their business. The number that called was XXXX, and I 'm on the " do not call '' list.
I disputed information reporting incorrectly on my credit report with Transunion File # XXXX. Transunion reported back to me that there was no change and the information would remain. However, the information is not correct and Transunion has refused to disclose there source of information or to delete the incorrect information. The information disputed was a wage earner chapter XXXX supposedly filed XX/XX/XXXX & and an chapter XXXX from XX/XX/XXXX. Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report.
In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.
I signed up for a credit card through Frontier Airlines in XXXX 2017 while on a flight from XXXX XXXX to XXXX. Their stewardesses were promoting 2 free trips anywhere in the US with a single purchase on the card of any dollar amount, or a single international round trip ticket. I made a purchase on the card and received XXXX miles. I am unable to redeem the miles given for the 2 free trips. There are only select cities and dates that apply. The stewardesses outright said there would be no restrictions on the promotion. I was lied to and I would not have signed up for the card if I knew there would be restrictions.
I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan
my XXXX has not been refunded back to me google wallet verified with me XXXX XXXX on fri no refund was receieved and they keep telling me to call my bank
XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.
I am concerned about identity theft by this company. Scam debt collection call regarding my recently deceased mother. My mother has never owed any debt and being from the   XXXX   XXXX   generation rarely used credit cards and paid for most expenses by cash.     In calling the number,  XXXX , it was found to be a company, AscensionPoint, and I found numerous complaints online about their scam practices especially in the cases of deceased family members.     Unfortunately,  AscensionPoint h as a website ascensionpoint.com,  XXXX , that makes it appear to be a legitimate company but obviously, it is a fraud/scam organization.
Please note that the selections available for describing my problem on the previous page were limited and no not accurately represent my issue. 

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I received a call from PNC on XX/XX/18 notifying me that there was man calling saying he was me and asking to change my address and attempt to open credit cards. I confirmed that this was fraudulent and the representative at PNC ensured me that the underwriting department has 1 ) stopped the credit card attempts before they would go through, and 2 ) inform the credit unions that my identity had been compromised and that I needed a fraud alert put in place. Today I learned that no fraud alert was put through to the credit unions by PNC and that a credit card was successfully opened. 

Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report because the thief has created accounts with the credit unions and virtually locked me out.
In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!