WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
I purchased an airline ticket, I tried to cancel the ticket in advance before the trip. The airline at first refused, then said i could get a refund through their " refund process ''. After months, they denied my request through their refund process even though I was led to believe I would get a refund. I filed a dispute with my credit card issuer, but they refuse to find in my favor. No one ever used the ticket in question.
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Revenue Recovery Corporation creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

Revenue Recovery Corporation, did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
On the month of XXXX XXXX, we made many transaction, purchase and return, so when the statement came, we called the Citibank Visa asked the agent over the phone, what the the balance to pay off the account, they told us {$2700.00}, so we did the same amount. 
then XXXX XXXX bill came, my account showed the interest charge, so We called the Citibank visa, asked the same question to pay off the balance, they told us {$2200.00} so We paid that amount. 
XXXX XXXX statement came, there is again interest charge showed, we only made {$570.00} purchase but the balance showed all almost {$1500.00} So we called many times agent and supervisor keeping saying that they will call back, but no one called, so we file the complain online, finally one person named XXXX from XXXX office called she said she will call back, but by now still no answer
On XX/XX/XXXX, I received a XXXX notice from the IRS. After contacting the IRS, I was told Wells Fargo Bank had submitted to them a cancellation debt income conversion based on a Home Equity Loan taken out for home improvements under acct # XXXX in the amount of {$6300.00}. In additional, the XXXX XXXX XXXX XXXX also reported XXXX accounts to the IRS same notice for {$490.00} and {$49.00}. I do n't have an open account at either XXXX of these financial institutions. In terms of the XXXX XXXX XXXX XXXX, my accounts have been closed since XX/XX/XXXX. In addition, there was a law suit filed naming them as a plaintiff under cause no. XXXX and all issues were resolved. In terms of the alleged home equity loan, this was suppose to have occurred on XX/XX/XXXX and reported to the IRS on XX/XX/XXXX. Unfortunately, this is the XXXX complaint being filed against Wells Fargo bank and also XXXX XXXX ( within your data base ). I contacted Wells Fargo bank, supervisor and she indicated after retrieving the file that the address on the account was different from my current address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX also provided a different account number XXXX. I explained to XXXX XXXX that I never applied for a loan equity loan via Wells Fargo and I viewed all of these accounts as identified theft and fraud. She referred me to the their fraud division. Within the last three months, I have filed complaints against Wells Fargo bank, XXXX XXXX, and now Wells Fargo bank again. Please investigate what laws have been broken to allow Wells Fargo Bank to fraudulently falsify documents and forward them to the IRS without forwarding to me a Form XXXX, but how was that possible if the address on the home equity loan is different from where I live. It would seem that someone between Wells Fargo and the IRS would have checked the address before assuming that I have XXXX residents since they both have my accounts and my same address ( XXXX XXXX XXXX XXXX ). This incident is a continuation of the identify theft, fraud, and the bank allowing third parties access to customers banking information and accounts. Please investigate and enforce applicable banking laws.
Discover Bank holds my deposits and transfer-in for unreasonable periods, making it impossible to access funds and earn proper interest. When I deposited my check via the mobile application, I received an email saying my fund will be available 1 business day after deposit day if the deposit occurs on a business day. I deposited {$300.00} on XXXX XXXX, 2016 and they released {$200.00} on XXXX XXXX, 2016 and hold {$100.00} till XXXX XXXX, 2016 while all the fund has been deducted from the withdrawal account on XXXX XXXX. For transfers from external account, they hold the funds for 2-3 days before making it available for use even though my external account has been deducted. I believe this is a malpractice as they hold my money for extended period and I lose interest on these funds.
Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )
I take 0 % interest cash advances on my Bank of America credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled " Interest Charge Calculation started showing a zero in the column headed " Balance Subject to Interest Rate '' for each XXXX, making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call, but I 'm concerned that this information should be there for others and I certainly would prefer not having to call the bank for information they should be furnishing on the statement.
I hav e $  XXXX + being held by Suntrust bank for nearly a  month now. The funds were sent in via wire transfers and should have been made available immediately. They closed the account on  XXXX   XXXX ,    2017 and   still have not given me my funds. I called this morning and spoke t o 2  different individua ls, one a manager and was told th at they had no intent to send me my money. They said I needed to contact the financial institutions that initially sent the money. I asked what I was supposed to say as of course I had no account information and was n't their client. I asked where the money was that was received, NO ANSWER. I asked if she was insinuating they had returned the funds to the originator and if that is why she was asking me to call those banks and she said s  he had no information regarding such.
I had a customer contact Suntrust 3 days after paying for an order and say they did not initiate the wire. I provided 30 or so pages of documentation and communication for over a month with 4 different employees from that company - AMPLE PROOF they did in fact send the wire - an email directly from the owner confirming that and could not get ANYONE in the fraud department to review the paperwork. The customer wanted to cancel the order which was fine but they lied and said the wire was not authorized. I will be happy to provide ALL of this documentation.
A suntrust Branch manager told me concretely MULTIPLE times th  at any funds coming in would be disbursed at the time of closing the account. She said I would have a bank certified chec k within 5 - 10 business days.      That money is contractually obligated. I must fulfill those contracts by  XXXX   XXXX ,  2017 and they r eq uire a 4 week production time. Any and all Liability is now on Suntrust Bank. They are putting me out of business and CRIMINALLY STEALING MONEY.
This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.
I have contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : Discover Financial Services Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.
This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/XXXX
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with the debt that i owe. This account was a joint account an was paid off years ago. These are the certified mail tracking numbers XXXX that was signed for by a coastal employee, along with numerous of other attempts to remove this invalid debt.
I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.
Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.
I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
I tried to set up an estate banking account at Wells Fargo bank. I was told by the Store Manager - XXXX XXXX - that I can not have that type of bank account, I need to set up a checking account linked to a savings account. I objected but she would not budge. Also, the Short Certificate ( I am the Executor ), had my married name, but the Will had my maiden name. Wells Fargo legal accepted the documents, but the Store Manager demanded that I bring in a copy of my marriage certificate or else she would close the account. I opened the account with XXXX checks - XXXX of which was a certified bank check from XXXX. She told me that it would take 8 days for the checks to clear. In addition, she looked into other unrelated accounts I had with Wells Fargo and suggested that I do something else with those accounts. I objected to her inspection, yet she continued on about that account and kept asking me to look at other banking arrangements for that account. I explained very clearly to her that I was there to set up a checking account only for the estate of my mother, but she did not listen. She took my checks and told me that the funds would be available 8 days later ; however I needed to provide to her a copy of my marriage cetificate ( she wanted it, not legal ) or else she would close the account. I waited five days and decided to close the account out today, but she refused to close the account and began to instruct me on how I should be doing my banking. I am very insulted by her lack of people skills ... her inspection into unrelated accounts ... her insulting my intelligence, especially at this most difficult time. Plus, when I went to close the account, she threatened to call law enforcement because I was becoming upset at her insulting nature. I am concerned that the money for the estate is being held up due to this person 's views on banking and the possibility that my concerns were dismissed because of my ethnicity.
I do not meet the minimum requirements for federal student-to this day. The Department of Education confirmed. The information was sent to XXXX XXXX, the DOE, Federal Aid, and XXXX XXXX. All have agreed and confirmed that I was wrongfully granted aid. And that Navient overcharged and failed to provide documentation to support the loan amounts they were collecting and reporting on. I just received bills that I'll be forwarding to all of the above and the Attorney General-acting on my behalf.
My agent submitted the ss package to Chase and was waiting for the value. We made the instructions " appointment only '' " call listing agent ''. My agent received no call, and now they are saying that an appraisal was done on XX/XX/XXXX and that was trespassing. We wanted to control the appointment since my agent wanted to show them all the damage in the home from squatters, as well as some other issues on the property. There is almost no way this will be an accurate report and the result will be a foreclosure if someone doesn't force them to do a SUPERVISED report that my agent can confirm had all the elements that affect value.
I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..
I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.
I tried to make a payment of {$5000.00} but told payment would n't be accepted so I had to filed for a modification reasons ; divorce,   XXXX   XXXX   XXXX , time off work, loss wages, garnishment from debt of ex husband.Now I have my finances under control, all documents has been submitted to SELECT PORTFOLIO SERVICING , INC .  Response wa s a denied modification- non Home Retention options  XXXX   XXXX  Help   1.   racial dis crimination is reason for denial 2. property is appraised twice the amount of original loan.
I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded.
For the past 2 day I recieved a phone call at XXXX XXXX and the next day I recieved a call at XXXX XXXX
The company has called my phone threatening legal action. Today they contacted my work phone, and never disclosed who the debt was with, but left an account number and told me to go online to make a payment now, and to not underestimate the actions that can be taken.
Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.
Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.