WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there.
The following address on my Equifax Credit Report is incorrect and does not belong to me because I have never lived in XXXX. The following address is as follows : Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I have only lived in XXXX, XXXX, and XXXX. 

Thanks, XXXX XXXX XXXX XXXX
I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.
Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on  XXXX   XXXX ,    2016  with the same email I sent to  XXXX   ( Amazon exec ).
XXXX with Capio Partners XXXX XXXX XXXX called me three times on XXXX/XXXX/XXXX and then three times on XXXX/XXXX/XXXX. I had spoke with a customer representative previously after I noticed their company had popped up on my credit report. I faxed over a police report regarding my identity had been stolen during the time frame in question before the aggressive phone collection calls began. I also told the customer service rep previous to the aggressive phone call that I do not owe the amount, it is not my debt and that any communications will need to be in writing. They are not to to contact me on the phone. After the second call on XXXX/XXXX/XXXX, I told the representative to cease and desist all telephone communications. I also told her again after the sixth phone call on the XXXX. I also informed her I would be filing a complaint with the CFPB and sending a certified mail Cease and Desist letter to the company on Monday, XXXX XXXX, XXXX. 

I informed the representative on the first phone call that the debt was not my debt. I wanted to work to resolve the stolen identity issue and work with the fraud department. I do have a police report as I had to make one for another company that deals with the same time frame as this company they are collecting on. I have asked what the original debt is for and they refuse to inform. They said " it is for something that could be any where in the United States '' and that they " have my drivers license. '' I also explained I am XXXX XXXX XXXX and not able to work. I have very limited income. I will not pay a bill that is not mine. I can provide proof to every statement of my idenity theft and income.
Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.
I used  Paypal to s end {$25.00} to someone. It was not clear to me that credit was being extended ( I had linked by bank account ). I got emails that my account was due, but nothing to the effect that major fees were being accrued. I figured, given usury laws, the most I 'd be charged would be 22 %, so {$5.00} of fees. Today I find out that I owed  XXXX  {$35.00} fees and  XXXX  {$25.00} fee, for a total of {$95.00} of fees and charges for just {$25.00} sent. This is crazy. I called the company, and spoke to "  XXXX  '' who was rude and condescending, and basically laughed at my plight. I think Paypal is harming consumers.
My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.
I was forced to report a fraudulent customer satisfaction cashier 's check to the Consumer Protection Division at the Mississippi Attorney General 's Office. I am currently awaiting response from XXXX website as instructed in previous communication with Wells Fargo who provided the cashier 's check signed by XXXX XXXX. 

I was ordered by XXXX XXXX XXXX XXXX to stop communicating with the bank and a supporting letter was sent from the XXXX Department who previously refused to fully examine my concerns about switching my savings account with a withdrawal regulation to a checking account with unlimited withdrawals. The change ultimately resulting more than {$14000.00} drawn from the XXXX XXXX Account set up with Wells Fargo to temporarily pay some medical expenses. 

Since I was ordered to cease communication with the bank I am requesting our state become involved in the mediation process. I would like to go on record and state I have not accepted the check as any form of settlement in the unauthorized account change and want this complaint to clearly state the efforts made to honor the cashier 's check were fruitless and still have not cleared the Wells Fargo account. 

I included two XXXX XXXX receipts showing attempts to honor cashier 's check after bank verification on the number printed on the front of the check.
This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16
I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX  XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I  called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.
Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.
I submitted documentation to Experian including documentation from the reporting loan agency documenting company error, in order to remove incorrect late payments from my paid in full mortgage account.with XXXX. I submitted to all XXXX agencies XXXX and XXXX, and only Experian refused to accept my documentation no matter how much information I provided them, and my repeat disputes to their company. I called the company, and they told me to upload the documents, but when I went to their website it was n't functioning and it was impossible to upload anything.f so I sent them the information certified, and they still refused to accept it, so I went back into their website, and tried to upload a dispute, but the website would not accept disputes again. Every time I have attempted to use their website it has not worked, and I am unable to provide information or disputer through the website. When you call they tell you to use the website, and when you use the website it does n't work. I feel this is purposeful behavior on their part, so that they are not required to accurately address the consumers disputes. Their behavior is illegal and against the FCRA. Please consider my complaint against them as they are damaging my credit, and are violating a consumers right to have the truth reported.
Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.
I was deceived into applying for a mortgage with Wells Fargo Bank on or about XX/XX/2018. I had previous experience with them as both a mortgage loan originator, and as a mortgage loan servicer, so I had no reasonable reason to believe that they would operate in any deceptive manor. 
I worked with Loan Officer XXXX XXXX XXXX ( NMLSR ID XXXX ), Loan Processor XXXX XXXX ( NMLSR ID XXXX ), and Sales Manager XXXX XXXX XXXX ( NMLSR XXXX  ). 
On XX/XX/2018 I was charged {$500.00} for what was supposed to be an independent appraisal that was supposed to be completed by a competent source, and was not to be controlled or influenced in any way by Wells Fargo Bank/Home Mortgage. 
That was absolutely not what occurred. Wells Fargo not only chose an unqualified and under compensated appraiser, they also put undo stress on the appraiser to control the outcome by limiting the appraiser 's ability to properly comp the property.

The Appraiser XXXX XXXX XXXX ( GA License # XXXX ) told the agent upon arrival that he hated doing appraisals for Wells Fargo, as they limited his scope, and they underpaid for the job. He was only paid {$280.00} for the appraisal, of the {$490.00} invoice. 
In turn, Mr XXXX XXXX completed the appraisal at a value {$170000.00} below sales price. 
At that point, I brought this information to the attention of the licensed parties at Wells Fargo, and filed a formal complaint with their Compliance team, only to be left hanging with no result. As they simply denied the accusations, and confirmed the value with their Appraisal Escalation team.

There have been 2 formal appraisals completed following this by other appraisers, 1 opinion of value completed by a 3rd appraiser, and 2 BPO 's completed by Agent/Brokers, all of which support the market value, and completely discount the appraisal completed by Mr XXXX XXXX. 
Wells Faro has refused to refund my money.
There are unauthorized inquiries on my credit report for whom I have requested to be deleted or removed. However, they still remain on my credit report.
LoanHero has an account reporting negatively and the account is not me. I called them and was told they were unsure why that was reporting negatively because that company had been shut down.
Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST
A loan was taken out using my name and my information without my consent. I was never aware that a loan was taken out through speedy cash. I filed fraud with them and they never replied to me contacting them twice and stating that I never acquired a loan with such a lender. I then received a letter in the mail stating that I was past due by {$250.00} and that is all of the information that the letter contained when I contacted them they told me that there was a loan taken out in my name using my information for the amount of {$400.00}. I never signed a contract or note.. The only reason I came to find out about speedy cash was because in the beginning of XX/XX/2018 money was being taken out of my account from speedy cash. so I went ahead and filed fraud with my bank and I obtained a new account number. Then speedy cash began to take money out of my debit card so I had to get a new debit card as well.. when I contacted them and reported all of this activity as fraud they never did anything about it. now they are charging me for a loan that I never took out.. I WENT AHEAD AND FILED A POLICE REPORT AS WELL WITH MY LOCAL POLICE DEPARTMENT.
I have a Volkswagen Jetta XXXX XXXX. When I got the car XX/XX/XXXX the car was having problems with the transmission. I took it to a dealer and they checked to see if I needed oil, or a new transmission. The guy that looked at the car had said the car was n't worth the money that I was going to put into it. I called the place where I got the car from which is XXXX XXXX XXXX. I spoke with the owner, I told him just what was told to me. The owner response was its nothing he could do about it because it was included in my 90 day warranty. My warranty was still active. I called Credit Acceptance and asked them what to do. They told me it 's nothing that they could do. I continued to pay on my car. I still drive the car because that 's the only transportation I have to and from work. It 's been two weeks today XXXX XXXX XXXX since I 've drove my car because it wo n't crank. It wo n't do anything. I had spoke with Credit Acceptance again and they told me that we could work out a way for me to make my car payments. I told them I could I pay on something I ca n't use. It 's been very stressful and just nerve wrecking not being able to work how I 'm supposed to.
I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.
I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.