WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank
I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and   XXXX   notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed
In my credit report from TransUnion, there are two hard inquiries. One is from " XXXX '' on XX/XX/2018 and one is from " XXXX '' on XX/XX/2018. I called TransUnion and they told me they were the same thing and " XXXX '' is just an acronym for " XXXX. '' TransUnion stated that I call the XXXX XXXX and get a letter stating I only have one account with them, in order for them to dispute/remove this hard inquiry. XXXX XXXX  confirmed by multiple representatives stating that I only have one account with them. I don't know why there would be two hard inquiries from TransUnion.
Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.
I have repeatedly disputed the accuracy of a Care Credit/Synchrony Bank account that is reporting inaccurate derogatory information on my credit reports. According to my XX/XX/XXXX XXXX credit report ( see attachment ), Care Credit/Synchrony Bank reports a closed account ( Close Date :  XX/XX/XXXX ) with a credit limit of {$500.00}. However, the High Balance and Original Charge Off amounts are reporting as {$1400.00} in XXXX. In my previous disputes, I requested copies of the original signed agreement and terms and conditions for the account to assist with determining if the agreement outlined that interests and fees would accumulate after the account was closed. Synchrony Bank did not provide me a copy of the original signed agreement and terms and conditions of this account, as requested. However, they provided copies of purported billing statements that do not reflect that the account was closed in XXXX ( as reported on my credit report ) nor does it substantiate what the original signed agreement and terms and conditions were? 
Therefore, I am requesting a CFPB INVESTIGATION for this account. Specifically, I am requesting that Synchrony Bank provides a copy of the original signed agreement and terms and conditions to substantiate that an account, in good standing, can be closed then exorbitant fees be assessed for years, thereafter? No reasonable person would agree to paying nearly three times the original credit limit in fees. This is a fraudulent accounting practice that allows big banks to write off excessive amounts of losses that consumers never truly owed. 
Further, the fraudulent misreporting of this account information on my credit reports is a blatant violation of the Federal Credit Reporting Act.
I have sent certified letters and notices to Equifax countless of times requesting that they remove these accounts from my credit reports due to the fraudulent accounts. I have filed police reports and identity theft reports as well as contacted all the creditors. 

Equifax is not obeying the law at all and are breaking the laws just because they feel like it. But I will be getting my attorney involved at this point. 

They told me to include the account numbers. I did that. They told me to file a police report. I did that. They also told me to write and call the creditors. I also did that. So, what does it really take?
This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening it.
I was a very happy member of Navy Federal Credit Union with 3 open accounts ; an " EveryDay '' Checking account, a " Share '' Savings account, and a vehicle loan account. I was laid off from my job, moved and attempted to contact NFCU to apply for a hardship for my account in order to not loss my truck and/or my accounts with NFCU. I made payments on my vehicle loan as often as I was able, if I had an extra {$100.00} then I would immediately transfer {$100.00} to the loan account. Suddenly, and without any notice from NFCU my account was suddenly locked and I was unable to make any payments to my loan account or attempt to add funds to my checking account. After attempting to contact NFCU, without success, my account turned over to a collection agency that harassed me with threating phone calls. Each time I was yelled at by the Collection Agency I attempted to ask for a contact person representing NFCU in order to settle the matter with NFCU directly. My vehicle loan account was still open, and I was still making payments to that account the entire time I was dealing with the collection agency. I am now trying to get my checking account back in good standing and they continue to dodge every call.
Roundpoint Mortgage is the note holder and servicer of my mortgage. We have submitted four different financial hardship packages with the intention of obtaining an approval for a loan modification. We started last year and until now nothing has been accomplished. Every time we submit a package they lose the paper work and send us a notification requesting the same information we have sent via email and after confirmed via phone that it was received they still send out notifications asking for the same information. They continue to play games with us. We submitted an application requesting assistance with our mortgage with Keep Your Home California, and after months of sending information back and forth we were told that the program was approved but Roundpoint Mortgage would not approve working with them, since they are the servicing company and the investors too. we want to keep our home and we are willing to do whatever it is within our power to remain in our home. The third hardship package we sent to Roundpoint was in XX/XX/XXXX. We called them for an update in XX/XX/XXXX and we were told that our application was denied, they never sent us a notification explaining why. Then in XX/XX/XXXX we received a letter from Roundpoint Mortgage requesting more information and stating that the application was incomplete. They decided to re open our file without saying anything few days after people from the program " Keep Your Home California '' told us that our application for assistance was approved but they needed to hear back from Roundpoint Mortgage in order to release the necessary funds to re instate our mortgage. We were supposed to receive up to $ 100k in funds to re instate our mortgage, but Roundpoint Mortgage declined to receive the help " Keep Your Home California '' was offering to us.Things do not match or make sense. Roundpoint is definitely not helping us, instead they are making things more complicated for us as if they want us to lose our home. We are very stressed out over this situation. I told them I suffer of XXXX XXXX and they don't care at all. The people from Roundpoint lie constantly about the paper work they receive and they continue to toy us around. We never receive a call back from the person in charge of our case within the litigation department. We are being ignored and mistreated. We are doing our best but Roundpoint Mortgage loses our paper work every time and we don't know what to do. The first three times we sent our information via fax seven times and via email. We have always received a fax confirmation and confirmed via phone that our information was received but they always send us letter requesting the same information that was sent to them. Please help us with this situation so we can keep our home. We want to stay in our home. 
Thank you for taking this matter into consideration. 
Sincerely, XXXX XXXX XXXX.
On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card account.
I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates. 
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails. 
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working. 
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me.
Branch Banking & Trust Company is my client 's lender. I am a XXXX XXXX. They requested more document 's without on XX/XX/XXXX XXXX and Denied him XX/XX/XXXX XXXX, less than 24 hours. I received the document 's later that afternoon. The document outstanding was for food stamps transactions. We provided them information of the account being an open status and that was insufficient. Homeowner is not computer literate and we struggled to get the statements as we could n't reset the password during our appointments because he did not have a smart phone we had to wait for his daughter to access his email after school.
Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.
I have contacted Experian several times, faxed written requests, copies of my drivers license, social security card, and utility bills as they have requested. I 've also contacted Experian via phone to discuss the fact that the addresses and names they are reporting on my credit is inaccurate. I 've placed a fraud alert on my credit and was told that the incorrect names and addresses would be removed from my credit report. As per the credit report from Experian on  XXXX   XXXX ,  2017  ; incorrect names and incorrect addresses are being reported on my credit report by Experian.
I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE. XXXX. : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and XXXX and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Agency and Account Number ( s ) : XXXX / XXXX XXXX Collection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint I appreciate your prompt attention to this matter, and await your reply.
A debt collecting agency called saying we were about 2 month behind on our mortgage etc.. And I when to the bank working with our mortgage company. The banker called the mortgage company. They told it needed to be updated, we where told the price of the home insurance it was over {$6500.00} a year for 8 years and increasing. So this was making our mortgage go up often more. This made me panic again. We called another insurance company, they quoted a price that was more then 2 times less. Im going to call another insurance company to compare this quote also. We need our money back Im on XXXX check I can continue paying a mortgage and insurance like this please help. Thank you.
I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?
ATTENTION : EXPERIAN DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION! 

The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet Experian still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet Experian lists a past due of {$370.00} on this account. How is that accurate?
Missed a payment on a credit card due to mishap with bill pay at my bank. Paid in full 10 days late. Called credit card company to settle the issue and see if anything could be done, they said no, the XXXX $ late fee would remain. I stated I would close the account. They offered some bs but I was n't interested. I asked what the current balance was so I could pay in full. She told me the balance but said it would change as every day the LATE FEE would accrue interest
This is my THIRD attempt in getting my money back from Wells Fargo. The first time I filed a complaint, Wells Fargo responded by stating that they would return my mortgage payments that they accepted although my home was in a " foreclosure '' status. 
I had fallen behind on my mortgage payments and was in the process of doing a loan modification when my home went into foreclosure. By this time, I had set up an allotment out of my military pay for the monthly mortgage amount. I paid nearly {$10000.00} in mortgage payments after being told that the payments were not being applied, but instead were being put in a separate account and they would either a. be returned to me if we were not approved for a loan modification or b. would go toward the mortgage once approved. After all was said and done, Wells Fargo took my home and my money. I was denied for mortgage assistance, the appeal was denied, and I ended up having to short sale. I was advised that I would receive location money, but I did n't get that either. It turns out that Wells Fargo was applying the payments, although my home was in foreclosure status and they have specifically stated that they COULD NOT do that. I have a written document where they told me that they were going to return the money, and still nothing. I would like for my mortgage payments to be returned immediately. 
The original response that Wells Fargo gave in regard to returning my money was that they never said that. However, it is annotated by Wells Fargo as a response to my previous CFPB complaint. Wells Fargo states ( see attachment ) : " We have provided information regarding the previous payment assistance review, confirmed that the military payments made after the loan was referred to foreclosure will be returned to the remitter and initiated a new review for payment assistance. '' The denied my appeal XXXX payment assistance review ) and only returned XXXX payment. This is the bulk of my current complaint, but I feel that I must mention how long this process was drug out and that I was traded to a different " home loan specialist '' at least XXXX or four times and had to start the process over each time.