WillisBack/dataset-financial-user-claim huggingface dataset:
I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX  states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.
On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.
I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.
I have disputed fraud on my credit report with equifax inquiries and i have disputed them and they will not remove them and i have stated to them i never authorized them and the creditor did not have my permissible purpose. According to the fair credit reporting act, section 604, a creditor should n't have access to a consumer 's credit information, unless the individual himself gives written permission. I have not given any of the below creditors written permission to pull me credit, and equifax does n't not have my written permission from the creditor on flie either so i would like the below inquiries remove.
CUSTOMER NAME CUSTOMER NUMBER DATE   XXXX   XXXX   XXXX    XXXX   XX/XX/XXXX  STATE EMPOLYEES   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX     XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX     XX/XX/XXXX
Bank of America is refusing to acknowledge me as a victim of fraud and identity theft. I filedseveral claims about transactions that had occurred, in fact On XX/XX/XXXX I went into a Bank of America financial center where I was am in fax all of my evidence concerning the identity theft matter. I was told that Bank of America would be sending out a packet for me to complete and send back. I never received the packet in the mail. XX/XX/XXXX I visited the financial center again and the banker told me that all of my claims were denied because I did not file the transactions within 60 days, although one of the police reports that Bank of America is in receipt of, states that my mail has been stolen, therefore I never received the statements. OnXX/XX/XXXX I  received a phone call from Bank of America, although I missed the call the representative left me a voice mail stating that Bank of America wanted to discuss details in regards to my claims, and left a reference number. I called Bank of America at the number that was left in the voice mail, and provided the reference number, The representative stated that there was no such reference number, she then asked for my account number, after verifying my account which is now closed, she stated that the call was from the claims department and transferred me. I was transferred a total of 6 times each time assured that the department that would receive me would be able to provide me with service. Eventually i spoke with a representative that said i would have to visit a financial branch to be provided service. I was able to deduce that Bank of America is not acting in accordance with Bank law and is violating my rights as the consumer. They are not filing claims, or furnishing documents that Federal Law imposes. An unauthorized account has also been opened using my information, online, Bank of America refuses to acknowledge those claims as well, and furnished a signature card, that was electronically signed in plain texts. I have documentation showing that these requests were made.
I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed  a 3rd party request to this company four time  since  XXXX   XXXX ,    2017  and has even emailed it to supervisor  XXXX   XXXX . As of today,  XXXX   XXXX ,  2017  he still does not have access to my account. On  XXXX   XXXX ,  2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.
FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns.
Tried fix I sent a letter.get, I called this told dr office, this bill not mine was granddaughter, I took her to dr they put her stuff with my name .I sign her in! It was billed wrong to my son insurance! I called dr office they put down on paper wrong information, they never fixed it so insurance wont pay it!! Dr office keep billing me!! It not my bill,
On Monday, XX/XX/2018 a phone call was placed to Choice Recovery inquiring on statement dated XX/XX/2018 with a total balance due in the amount of {$190.00} for a XXXX XXXX XXXX and to advise that the amount showing on the statement was paid directly to XXXX XXXX 's office and that they should contact XXXX XXXX 's office to verify payment. The representative from Choice Recovery demanded my medical insurance information for verification purposes in which I refused to divulge that information as Choice Recovery is a third party I had no relation with. I was then advised that if payment was not received the account would be placed as a collection in my credit bureau file. Choice refused to verify payment with XXXX XXXX 's office
I received an offer from capital one credit for a zero percent interest check. I went ahead and deposited it into a capital one account. They went ahead and put a hold on it and when I called the rep she told me they check is fraudulent. Then putting on a hold on it somehow made my account go negative. Not sure why and the rep could not explain to me anything. The they made it positive again. Would be nice to have competent people on phone to answer questions. Then the check posted to my credit card account and they sent me a letter saying they have confidential information the check is bad. What 's going on with this place and what is this confidential information.
We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault.
CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.
I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.
In XXXX XXXX, I received a flyer through the mail from Citi Bank offering their Double Cash MasterCard with 0 interest on all purchase balances for 18 months. I applyed on-line and my first billing period ended XXXX XXXX, XXXX. I calculated that the interest-free offer would end with the XXXX, XXXX billing cycle. On my XXXX, XXXX statement there was an interest charge for {$64.00}. I contacted the bank and was told the offer had ended XXXX XXXX, XXXX. I was informed I needed to produce the flyer as proof that the offer was for 18 months. I had not saved it. But I had agreed on-line to the terms and conditions of the offer at the time of application. I was unable to access a copy of those terms on the bank 's website nor was the customer service rep able to tell me how I could obtain a copy of the agreement. After 4 phone calls to Citi Bank, I was told a supervisor would call me back in 2 to 3 days. That has not happened. I feel Citi Bank 's advertising and business practices are deceptive. The bank should clearly state the expiration date of their offer when the card is initiated. The customer should be able to view the terms and conditions agreed upon. The bank should issue a timely alert that the offer is about to expire, so that the customer has an opportunity to pay off the balance without an interest penalty.
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.
XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.
I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the
This is in reference to complaint  XXXX . This dispute with  Synchrony Bank/JCP go es back to   XXXX   XXXX   XXXX  . The details are in the previous complaint submitted with CFPB. In   XXXX   XXXX  , I received a status update and the resolution stated that a balance was owing of {$17.00} to  JCP. P lease refer to the previous answer from  XXXX . I responded back through the dispute process that I did not owe {$17.00}. I never received a response back from my previous dispute of the {$17.00} balance owing. Now,   XXXX   XXXX   XXXX  , in checking my credit report,  JCP/Syncrony Ban k is reporting me 90 days past due with a delinquency starting in  XXXX . Again, please refer to the complaint number I have referenced. I contacte d JCP today and was told that I had a {$40.00} past due balance as the late fee that I owed (? ) was never paid there fore interest was accruing on my unpaid late fee. I have never had an unpaid balance, therefore could not have a late fee owing. I believ e JCP h as somehow messed up their data with the original problem of a CREDIT BALANCE showing as a past due balance. They corrected the credit balance by sending me a check but somehow their date still must show that I did n't PAY that amount and therefore a late fee was generated. It is such a mess and my score has gone from  XXXX  to  XXXX  today. I do have the supporting credit report information if that would be helpful. The other issue is that the gentleman I spoke with a t JCP sta ted that the late fee is on an O LD JCP acc ount - how does a late fee just show up on an old account?? Please help me - I frustrated beyond words.
On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.