WillisBack/dataset-financial-user-claim huggingface dataset:
My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit -  XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most  were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I  was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.
My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.
In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. 
I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.
Mr. Cooper CFPB Complaint Summary The mortgage company, Mr. Cooper, failed to pay property tax bill due XX/XX/XXXX from escrow account. We called Mr. Cooper roughly six times with no resolution. Having lost confidence in Mr. Cooper to address the issue, my wife and I paid our property tax bill on XX/XX/XXXX from our personal bank account with the accrued 10 % late fee. The property tax bill was {$3800.00}. The late fee was {$380.00}. The total paid from personal bank account was {$4200.00}. Mr. Cooper failed to address the issue and in most cased failed to even acknowledge the issue. We requested our escrow account be closed on XX/XX/XXXX and received confirmation of escrow closure from Mr. Cooper on XX/XX/XXXX. We received our escrow funds on XX/XX/XXXX. However, the 10 % late fee that was paid from our personal account, not from escrow, was not refunded as was indicated it would be. 

On XX/XX/XXXX, we called Mr. Cooper and requested a refund for the 10 % late fee that we paid out of pocket. The representative at the time acknowledged that Mr. Cooper failed to pay our taxes and that the late fee was incurred. The representative acknowledged that we paid the bill out of pocket and that Mr. Cooper owed us a refund for the late fee. She gave instructions on how to request the refund, which included faxing the following to Mr. Cooper : 1 ) cover letter explaining the issue 2 ) copy of the property tax bill 3 ) property tax payment receipt showing we paid the bill with late fee. The documents were faxed on XX/XX/XXXX. No response was received from Mr. Cooper. 

Over four to six subsequent calls to Mr. Cooper, the issue was explained over and over, to a new representative each time with no prior knowledge of the case. Each representative had different responses. Some clearly acknowledged we were owed the 10 % late fee of {$380.00}, while others insisted Mr. Cooper owed us nothing. None acknowledged that a fax was received, even after verifying the fax number on the fax confirmation page. Each call ended with Mr. Cooper assuring me a refund check was coming for the late fee. Two representatives said they would call back the following day after researching, and never did. 

Again, on XX/XX/XXXX, I called Mr. Cooper to follow-up and, again, I had to explain the issue for the first time to a new representative with no prior knowledge of the case. After approximately 15 minutes the representative, XXXX XXXX agreed that Mr. Cooper owed us a refund for the 10 % late fee. He apologized and provided his email address at Mr. Cooper to follow up if we hadn't received a check in 15 business days. After waiting the recommended period, no check came. I followed up with XXXX on XX/XX/XXXX and received no response. This was the final correspondence. 

It is my believe that Mr. Cooper has no intention of refunding our late fee of {$350.00}.
Loan with SLS have had numerous complaints with them messing up our escrow account.. after last complaint they billed me for XXXXcents that I was " short '' in my escrow even though they hold two months cushion. I ask to have the escrow account removed from the loan so there would be nothing further to worry about .. they sent me a letter stating they were denying my request and that I had to keep the escrow for the life of the loan .. This loan is at XXXX LTV and a conventional loan .. I should have the right to cancel the escrow and I feel at this point they are just being completely retaliatory with me. these people are unbelievable and should not be able to treat people this way.
On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX, 2016 seller decided not to sign contract extension and requested buyer to release earnest moneys to him. 
Buyer has incurred three months investment of time, and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX, 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX, 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived, and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation.
To whom this may concern,
  
  I am having significant trouble with the customer service of Wells Fargo & Company ("WFC") and having even more trouble with WFC recognizing my consumer rights.
  
  By way of background, WFC has been reporting a number of false records to my credit report, including but not limited to reporting my living address as   XXXX   XXXX   XXXX   XXXX   as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB, OCC, and other regulators concerning illegal marketing practices of WFC.
  
  To follow up on my previous concerns, WFC claims that their current submissions to my credit report abide by the Fair Credit Reporting Act ("FCRA") but nothing could be further from the truth. Indeed, WFC has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and     XXXX   are not only not supported but also conflict with each other - raising serious concerns as to what information WFC is reporting on consumers and what process they use to verify that information.
  
  For my personal situation,  XXXX  reports that a WE EFC loan with an amount of  XXXX  was opened on      XXXX   XXXX   XXXX     . However,    XXXX    reports a similar, although not identical loan of   XXXX     wa  s opened on     XXXX   XXXX   XXXX    .
  
  I would like to know, why WFC company is reporting similarly looking loans with conflicting information and produce a detailed report of how WFC reports "open dates" and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.
  
  The above instance of conflicting information is just one example, I would like WFC to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
I 've submitted a complaint before concerning Bank of America 's " Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Bank of America has decreased the time for having an " Extended Overdraft '' from 2 weeks to 5 days. Bank of America had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Bank of America to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint.
I had a lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I leased a XXXX XXXX XXXX for approximately 2 years, and was going over my mileage which would ultimately cost me around 2-3k at the end of my lease for overages. I was duped by the salesmen & the finance manager to turn my lease into a finance to avoid having to pay the 2-3k in mileage overages. So, instead they had me finance the car for more than its worth brand new. This vehicle was already two years old and now i am financing it for over {$25000.00}, when brand new its worth {$23000.00}. Bad business practice and put me in a huge negative equity hole. The fact that they would take advantage of someone who bought there first car with them is downright awful. There has to be illegal mark ups & interest involved.
Trying to get an ATM card for a checking account with Bank of America and being asked for an extortionate amount {$28000.00} for the privilege.  This can't be right can it???? 
See extract from their email ... 

This Social Security Code ( SSC ) would be legally processed and obtained from the XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX   here in USA, and they informed us today that the Social Security Code ( SSC ) that would back up your US your card would cost you the sum of US {$28000.00} only which would be processed by their Head Security department. We would apparently insert this code on your master card before we do commence with the legal and safe delivery of your card to XXXX for proper security purposes which is of your own most benefit and good. 


Do you wish to transfer this payment to our CFO 's ( XXXX XXXX XXXX bank account? or would you want to transfer the payment directly to the Federal Reserve bank where your code would be processed and obtained successfully? We await your urgent response with this payment asap for the delivery of your master card to commence effectively to XXXX this week for its great benefit towards the charitable institutions. XXXX XXXX XXXX CEO./President
BBVA Compass the misused of my XXXX credit file. 

I had filed disputes on the account several times with XXXX  and the other two credit bureaus. The dispute last longer then 30 days with XXXX   file. The account should had been removed from file. BBVA Compass had reported the account on faults dates many times. I had tried to communicate with XXXX XXXX XXXX and I submitting the proof of misused of the account. BBVA Compass does not care if the account is being misused. They are saying it is reported currently. I would like for Compass to show proof that the account is reported correctly with all three credit bureaus from XX/XX/XXXX through XX/XX/XXXX along with the remarks in the comment section.. I do monitor all three credit files just about every day. 

The account had been sold XX/XX/XXXX to XXXX XXXX XXXX XXXX based in Texas. The debt buyer had removed the account from credit files from XXXX  and XXXX on XX/XX/XXXX. for not being register with the Secretary Of State Of California to conduct business with the California consumers. There is a difference between a business license and business registration. BVAA Compass had sold the debt wrongfully to a non register debt buyer who is not register with Secretary Of State Of California.
On XXXX/XXXX/XXXX, I completed a request for a deferment online, and submitted my paperwork that was not processed. I assumed it was as I never heard back from them. I have another student loan through XXXX that I completed and was approved for one year. Wednesday XXXX/XXXX/XXXX, I submitted an application to consolidate my with XXXX XXXX XXXX to XXXX. Friday, XXXX XXXX updated my credit score and reported me as being 90+ days late. I feel that my application was overlooked ( thankfully I saved it ) and that reporting my loan as being in default and I 've NEVER received a phone call from these people was done out of spite for consolidating and closing my account with them. My credit score dropped 56 points. I have worked HARD to maintain a good credit score and now this. After receiving alerts that my credig score dropped significantly, I did submit ANOTHER request for a deferment. Hopefully, this one goes through and they can back date it and correct/update my credit reports.
Hi We are attempting to re-amortize our loan w/XXXX XXXX XXXX. 
We sent in an electronic funds transfer to them in mid-XXXX for approx. $ 250k. We never received confirmation from them that they got the money. WE called a few days later to confirm the money was received. They original said they can't find it but then later found it. It's now been almost 2 months and our loan is still not re-amortized and my husband and I aren't even sure we know where the money is anymore. We attempt to contact them and they just tell us we will get something in the mail or we will get an email however none of this has happened. 
I know $ XXXX might not seem like much money to XXXX however it's a great deal of money for us. In the meantime, we have not made a mortgage payment as we assumed the re-amortization would have been completed by now as everything has been completed via electronic transfer. XXXX is not being up front, they are using our money to gain their own interest off it and not properly applying it to our loan as promised.
pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.
Navient is currently the holder of my student loan debt. They have misguided me on options of repayment. Therefore, my credit report has been greatly impacted.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry from XX/XX/2018+ XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.
I purchased a piece of jewelry from a store in  XXXX  and they provided a 15 month no interest loa n from    XXXX   XXXX   XXXX   XXXX  . I paid starting in the first month and had all but {$900.00} of the {$12000.00} paid off in 15 months and was about to make the last payment when I got a bill for {$3400.00} in interest. My understanding from the salesperson was that I would have a high interest rate on any unpaid balance like every credit card I have and I have very good credit. Unfortunately the fine type says you are charged interest on the entire amount of the loan even if you only owe a little. I have never heard of a credit card that works this way. I paid it off and would be ok with the interest on the unpaid balance but wells fargo is charging interest on funds I paid over 15 months ago. They offered me a 15 % discount if I paid immediately today. This still cost me {$3000.00} in interest on a loan that was paid off. This ca n't be fair business practice
In XX/XX/2018, I submitted a letter to Ability Recovery Services LLC, offering full payment with conditions to be met ( See attachments ). The company agreed to the conditions and an agreement was entered into. I submitted full payment, however, the company did not honor its end of the signed and dated agreement in regards to XXXX. I have attempted to contact the company on two separate occasions after I submitted full payment via certified mail, which the company received each post-followup letter. However, the company has continued to ignore my letters and to the date of this complaint has refused to honor the agreement. I am making this complaint as one of the advisable options prior to any elevation of this matter.