WillisBack/dataset-financial-user-claim huggingface dataset:
Hello CFPB, I have been a victim of Identity Theft and Central Financial Control continues to ignore my rights under the FACTA among other federal mandates. I noticed a couple of fraudulent accounts under my name and began my fight about 1 years ago. Central Financial Control has receiv ed 3 letters  from my since  XXXX . I have even faxed over the documents and still nothing. Please help me resolve this so I can continue on with my life. This company needs to be investigated for their practices.     Thank you,  XXXX
XXXX had charged my account cause my account to go in to overdraft. I contacted XXXX to get the funds reversed and they did and then reached out to Wells Fargo to notify them about the situation. The agent I spoke to advise me to wait for the refund to go through then call back. Two days later, I reached out back to Wells Fargo to let them know that the XXXX transaction was refunded and that they need to refund me the overdraft fee so I can put my money in my account. The agent that I was speaking to was rude stating that the fee was unable to be. After arguing and explain the the situation about the fee, she finally realized what had happened and reversed the fee. Causing me to wait another day to deposit money in to my account to make the my payment and that next day I got a email stating that my credit report had update with a missed payment. I am seeking help with my situation due to the fact that it was not my fault that my account was overdraft, not allowing me to make my payment for more then a week while I was attempting to make a payment.
I applied for a home loan from Suntrust in XXXX Fl for a home I own in XXXX XXXX, FL. The loan was a " no escrow '' for real estate tax. After XXXX different loan estimate statements, I finally received a " final '' XXXX with a requirement that I prepay real estate taxes due next year. This was never mentioned in any of the HUD required documents, nor in the initial application docs that I received and signed. The following is part of an email I sent questioning this charge : I am questioning the {$6500.00}. funds needed to close in the XXXX XXXX loan estimate statement that does n't define the payouts. I have questioned this many times since and never received an answer. The need to prepay or set up a escrow account for 2016 real estate taxes was never mentioned. 
I wo n't receive the 2016 tax bill until XXXX XXXX and I usually pay it soon after to receive the 4 % discount for early payment. The XXXX XXXX loan estimate does n't show any prepay or escrow for the 2016 RE taxes. It was scheduled to close by XXXX XXXX. The same $ XXXX loan shows no deficit for this need. 
Their reply was : " We are not setting up an escrow account, the funds are collected at closing to insure the taxes are paid for the year and will be held by the settlement agent. Most, if not all lenders have this requirement. '' I would think current HUD requirements would require them to disclose this in their application and the XXXX previous loan estimate statements that did n't have this payout. 
I have asked for my application fee to be refunded and they refused.
I have received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
We own a small family business. Because we had a great credit standing, we coul n't ask for a home loan modification. When the economy changed here in XXXX XXXX and banks closed by FDIC, we lost credit and commercial lines, immediately we put our house on sale, with no luck. After a while we tried loss mitigation with the Bank but when a new mortgage deal was ready, the bank sold the loan to XXXX XXXX, which we found out who they were when they were foreclosing our home. After several attempts to keep our home and try to contact by letter their lawyer with offer to buy with no answer, we received a new foreclosure date for this XXXX. Our lawyer finally communicates by phone with XXXX XXXX lawyer and she desagrees to go directly to the owners with offer and gives a phone for loss mitigation dept, in SPS, inc. Last XXXX XXXX, 2016, I started conversations with SPS , inc, explaining all this and saying that for more than a year we have been offering money for the loan. Since then I 've been calling weekly doing exactly what told, and sending documents. Everytime I call I have to explain to a different person and they again give me new instructions and tell me to wait a couple of days or one more week for the answer. When I call they always remind me foreclosure date, XXXX XXXX, 2016 and I always tell them the same, why keep delaying?, they are not helping much. I was told this week I was going to receive answer to our offer, now today I was told they sent the offer to the owners to be considered and maybe it can take one more week. Is taking forever and time is what we do n't have. They send letters with an assigned relationship manager that speaks XXXX and everytime I call, I never find her. Every agent says different things, even the first one kept opened the loss mitigation case for us just in case we needed it and I sent all documents required for short payoff and later found out we were n't considered yet because the loss mitigation case was still opened ... really?, and they knew I was looking to short pay off. We 're desperate. We never knew how much XXXX XXXX paid to XXXX for the loan account because we found out late about them, but since that we offered to buy back and now with a higher amount is still difficult to get to the owners. Why not go directly to them since the beginning? They keep sending letters in XXXX, only with the ending in XXXX to make you call, knowing we speak XXXX. We bought that house, put our savings to live with our XXXX children and no one from the two different loan owners have been nice enough to help us keep our home.
I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!
My problem is with Equifax not providing me with my credit report. I have filed a dispute with them and they in return provided me with a dispute confirmation number. I am still unable to access my report even with their provided confirmation number. I enter in the confirmation number and all my personal information like SS # name address phone number then they start asking questions about accounts and loans that have nothing to do with me and in the end say they can't confirm my identity. If they have all this info and say they can't confirm my identity, then they are falsely representing who I am and my account activity if they can't verify who I am. So what I'm saying is their information is so erroneous they can't verify who I am then they can't accurately report my credit but because they won't give me access to my report I can't properly dispute the bad information they have in my file. According to FCRA they have to verify all information and remove any incorrect, incomplete or false information.
Hello, On XX/XX/XXXX my bank account posted a {$60.00} charge from " Paypal credit ''. We contacted our local bank who told us we had to contact Paypal credit to dispute the transaction. We contacted Paypal credit, who recognized that there had been no activity on our account since XX/XX/XXXX but they refused to acknowledge that the charge may be fraudulent. The summation of our dealing with Paypal credit customer service, was them saying that there was nothing they could do and advised us to " keep better [ financial ] records ''. This is absolutely unacceptable that a business based in banking and credit is able to simply wash their hands of potential fraudulent behavior on their end and treat customers in this manner.
XXXX XXXX XXXX has a debt system that is not tied to patients social security number. I have a debt payment agreement with them making payments on my balances for XXXX different hospital visits. At their direction I was paying on oldest ones first. Since the accounts are not linked to my social they determined that I was not making payments and sent them to collections. They have damaged me even though I was making good faith payments.
On XXXX/XXXX/XXXX ... Credco ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit
I was contacted by XXXX XXXX, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.
The company is Mercantile XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX COLLECTING for XXXX XXXX XXXX They claim I owe them around XXXX, this is not my debt and I didnt authorize or ask for this credit card. Please remove debt
In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.
TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!
I discovered that {$25000.00} was transferred from my checking account to my Scottrade account without my approval. I contacted Scottrade and was informed that I would need to fax in a wire transfer form to get the money returned to my account. Later, I was told that I would need to wait XXXX business days before they could return my money. Because my overdraft protection was only good up to {$500.00}, my bank said that they would reject the transaction and return the money to my account since I was overdrawn by {$4000.00}. 

My bank was gracious enough to waive all the fees associated with this transaction. Scottrade, however, sent me a letter blaming me for this incident ; saying that I had inadvertently disclosed my account credentials or had a malicious virus or spyware on my computer and wanted me to sign an agreement that would basically blame me for any future security breaches if I did not change my password every month. It turns out that it is totally their fault because last XXXX, someone hacked into their eCheck secure and stole everone 's information. I am now requesting that my Scottrade account be terminated. I have also placed a security freeze on my credit at XXXX XXXX, XXXX, and XXXX.
I was behind on my mortgage due to financial struggles in my small business.   in   XXXX   XXXX   started to try to work with bank of America to file for a hardship loan. the process was starting out ok but as the process continued time had pasted with no feedback.So I contacted them to find out they wanted more info from me. Which I provided. never contacted me by phone again finally get a letter stating if I do n't contact them soon the forecloser process will continue and I will loose my  home.Contacted t hem again gave them more info they needed still no call back.I called about  XX/XX/XXXX  they again want more info and had questions.   At this point I 'm very concerned I 'm going to loose my home. I run my own small business and do n't have time to keep following up on something they should be following up on.   Please help me stay in my home and get my mortgage back up to date.   At this time my loan has now gone in default 8 months because bank Of America told me " not to make payments they will not be applied to my loan '' This similar experience happened in  XXXX  when Bank Of America " without my consent '' payed  2  past years and escowed 1 year of taxes then wanted all the money back. So to resolve it I had to put my home into foreclosure and apply for a hardship loan.   I was forced into that situation before that I was never late on my loan.It also continued to cause trouble getting mone for my business because it made my  credit score  drop very bad. and now once again this situation is causing my score to drop.
I have just travelled back to the USA from XXXX, I was gone for 2 years in which I have been a victim of the TransUnion XXXX glitch in XXXX. I had pulled my report in mid XXXX to have noticed XXXX hard inquires, then I check back recently to see more than XXXX on my report. Which - none of them are mine. 

To my understanding credit inquiries to be removed and then re-inserted ( which were n't mine to begin with ) means TransUnion was in breach of FCRA 611 5 ( b ). 

It is unlawful and in my protection as a consumer to report this activity to higher authorities. I will take lawful action if these hard inquires are not removed. 

The agent on the phone with TransUnion was rude and provided little to no enthusiasm to help despite telling her that I was to be wed soon, and that credit is a big deal to me. 

Nothing happened. I am a victim. 

I feel violated, and my trust abused. 

This phone call transpired XXXX XXXX XXXX XXXX at a direct line : XXXX ( XXXX ) XXXX The inquires I need to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : Permissible Purpose : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX -- - In addition, I have stayed diligent in my attempts to reach a supervisor to which I was hung up on numerous times. This is n't right. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX - email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, ca XXXX
I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.
My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.
I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.
On XX/XX/XXXX I filled Bankrupsy XXXX. All negative items were include in Bankrupsy and were discharged through the Bankruptsy over 5 years ago. 
On XX/XX/XXXX I ordered a Credit Report from Equifax. All negative items which were discharged, appears with CURRENT status as " Included in Bankruptsy ''. 
Even I had the Bunkruptsy, the correct CURRENT status is " Bankruptsy Discharged '' or " Discharged through BankruptsyChapter XXXX '' for all negative items. 
I have discused these incorrect statuses with Equifax twice. 
On XX/XX/XXXX I receved another investigation results from Equifax. There were no changes.
Nationwide Bi-Weekly has been the go-between between my lenders ( first XXXX XXXX, next XXXX, then XXXX ) since I bought my house in 2012. They deduct half my mortgage payment twice monthly, and pay it the following month. In XXXX, I was sent a message stating they could no longer do business with XXXX, and I would have to start sending my checks directly to XXXX. They were to send what they deducted from my account for my XXXX payment and did not. After inquiring, I am in dispute with them. XXXX has helped me by providing me with avenues to assist me. In the meantime, my credit rating has dropped significantly, and I worry my VA Loan Opportunities will be limited.