WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried submitting various complaints to TransUnion,  XXXX , and   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted one dispute to TransUnion o n      XXXX   XXXX , 2017     and on      XXXX   XXXX  , 2017 I was notified the " investigation '' was completed. They are required under FCR  A  regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
I was shopping for a refinance loan and I made the mistake of giving the lender my credit card info for the appraisal if I decided to go with them and told him not to use it unless I gave my express permission. After sending him an email telling him we would not be moving forward until I had compared all offers he charged my credit card for the appraisal. At no time did we sign any documentation or give him permission to go forward. The credit has still not showed up on my credit card after he stated it was being refunded.
I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXXXX/XX/XXXX 11. XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XX/XX/XXXX
I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?
XXXX XXXX XXXX  is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
COLLECTORS KEEP SKIP TRACING MY CELL TRYING TO COLLECT FROM FAMILY MEMBERS. CALLS FROM XXXX XXXX COLLECTR FOR PROFESSINAL ACCOUNT SERVICES , INC PRESIDENT NAME XXXX XXXX.
My husband XXXX in the month of XX/XX/XXXX, at which time we were having some financial difficulties. this resulted in my home going into foreclosure. I was able to market our property for a short sale were Portfolio held a judgment in the amount of {$4500.00} which stopped the sale. 
Contact was made to Portfolio a number of times prior to the 1st recorded date of XX/XX/XXXX.at that time a letter was sent by my attorney. Phone contact was made on a daily basis starting XX/XX/XXXX. 
On XX/XX/XXXX we were informed by the legal dept. that the dept was uncollectable ( original judgment date was XX/XX/XXXX ). 
Mean while, Portfolio requested1 or 2 documents which my attorney provided. There after my attorney continuously called for the resolution. Finally he was informed that a satisfaction would be issued. This was too weeks ago. 
We have contacted Portfolio again on a daily basis with the same promise ( tomorrow by XXXX ). 
My mortgage holder is now going to reopen the foreclosure .I do not want a deficiency judgment.
On or aboutXX/XX/XXXX, a dispute was put in related to XXXX XXXX reporting over the balance and causing a decrease in FICO score. This month XXXX XXXX has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. XXXX XXXX has increasingly target me and the only such financial institution that has reported to Experian to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the XXXX XXXX   headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...
I have sent this company 2 letters asking for help to resolve this issue with them. They have ignored my request to communicate with them about this is. I have provided copy of police report and letters asking them to provide me with information that bare by signature showing that I have authorize them to pull my credit report for any purpose. The repeated non communication from the blow company about this serious issue shows that they are in violation of my rights : as per the Fair Credit Reporting Act section 611. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).
I have also taken the necessary steps to put fraud alerts on my credit profile as a safe guard to help prevent this from happening in the future.
Capital One Bank USA Na XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize your company to make this inquiry : Date from XX/XX/XXXX and XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself.
On XX/XX/XXXX I contacted Barclayscard to discuss my account ending in XXXX. 
I was advise by agent Barclays offered a payback plan of XXXX per month to save my credit and to attempt to pay back what was owed. However I would need to pay the past due balance in XXXX payments of XXXX in XXXX and XXXX to bring current. They would wave the late fees and I could change my due date and set up auto payments. 

I made XXXX payments in XX/XX/XXXX for XXXX dollars and new for XXXX dollars. 
i also made the payment XXXX dollar payment in XXXX and started to make the auto XXXX dollar payments When I checked in XXXX my balance in only XXXX dollars less than i started over 4 months ago and they are charging illegal late fees and refusing to change my due date unless i come up with hundreds of dollars more. 

They made a commitment and an agreement with me to pay back certain debt. now they are attempting to revolve on the agreement and charge me additional monies or report me to credit bureau
There is a XXXX XXXX Credit card balance and negative report on my credit. The information is not mine. My wife has a XXXX XXXX credit Card, but I do n't. Nor is my name on the card.
This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this
During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.
XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.
Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
Equifax failed to respond to my dispute letter and they failed to verify that the accounts belong to me before the end of the 30 days period.
There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.
I got a call from Chase Bank 's Fraud Department around XX/XX/XXXX asking if I was trying to spend {$100.00} at a XXXX in XXXX, FL. I said no, I was at home in XXXX XXXX. So they told me there was fraud on the account, and that they'd shut down the account and issue me a new debit card. In the meantime, I was locked out of any online access so I couldn't see what was happening with my funds. 

They told me to expect a new card within 3-5 days, so when a week passed and I didn't hear anything, I went to a branch of the bank on XX/XX/XXXX, and found out then that someone had turned the account back ON after they knew there was fraudulent activity, and the thieves in FL had drained the entire account ( nearly {$10000.00}. ) I signed affadavits saying that it wasn't me spending that money in FL. I also filed a police report. I was told that it could take 10 days to get a credit, and 30 days or more for them to conclude the investigation. 

On XX/XX/XXXX I got a call from Chase asking me to call them back. But when I called back, they said they couldn't tell me anything over the phone. ( Then why in the world would they call me only to tell me they couldn't tell me anything!? ) I have called the Fraud department, I have visited the branch several times. I am still locked out of my account and can't see any funds or transactions, I am unable to issue checks to pay my rent and credit card bill, and I'm growing increasingly frustrated at the lack of communication and transparency. 

I also have yet to hear the results of the investigation in terms of who turned on the account again AFTER there was documented fraud, and what is being done to address that error.
My mortgage was sold to this company, not by my choice. I had a bounced payment and due to this I not longer have access to online payments. I have to get a certified check from my bank and then mail to the mortgage company - for 6 months!! The company never told me this would be the punishment nor is there a policy in place for this. I was told this is the way the accounting department handles this - there is no policy. Therefore my payment will always be late - I get paid before the XXXX of every month, go to the bank, get the check mail it off from XXXX to XXXX and it will always be late because of the distance the check has to travel. What company arbitrarily makes up rules about penalizing a late payment without a policy and procedure in place. I have no paperwork from this company and I was never told this would happen until I called and asked about not being able to access my account on line - THEN I was told - no you have to send us a certified check for 6 months!!
My XX/XX/XXXXXXXX  XXXX was fraudulently repossessed during the middle of the night by Capital One Auto Finance. There was a settlement for this vehicle in XX/XX/XXXX. The initial Settlement letter offer was dated XX/XX/XXXX and had a suspense of XX/XX/XXXX. The settlement amount was for {$1700.00}. In acceptance of the settlement offer, I had a cashier check made through XXXX XXXX XXXX XXXX   on XX/XX/XXXX for {$1700.00}. The Settlement check and confirmation response letter was sent on XX/XX/XXXX by certified return receipt mail via USPS. Capital One received and signed for the letter on XX/XX/XXXX. The letter referenced the account # and the VIN # for the vehicle. The letter also stated : " I received your account settlement offer, dated XX/XX/XXXX, and agree to pay the settlement amount of {$1700.00}. Upon your acceptance of my enclosed payment, XXXX Cashier 's Check ( gave check # ) in the amount of {$1700.00}, Capital One Auto Finance will consider the above referenced account as Settled in full and no further payments will be required as a result of this settlement. Upon settlement of this account, within 30 days of receipt, Capital One Auto finance will report to all credit bureaus that this account is settled in full and has a {$0.00} balance due/owed for : ( Names were Provided ) and the Vehicle Title will be mailed to me along with confirmation of receipt of payment and settlement. Additionally, No further collection activity will be taken by Capital One Auto Finance, nor will Capital One Auto Finance pursue any further collection activity via third-party collection agencies. '' After they received the payment, they updated the information on both my and my daughters credit reports to reflect " Dispute Resolved ; Reported by Grantor ''. Capital One states the escalation department will take 2-3 business days to investigate the issue. This is causing a loss of employment wages which they should be responsible to pay due to this violation of my rights with said vehicle in addition to the cost for the day care for my granddaughter which is still charged in her absence. The vehicle is currently located at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was told I had to make an appointment to go retrieve the personal belongings in the vehicle until the issue is resolved. This includes my granddaughters only car seat. Capital One needs to update their records as settled and also send me the title to the vehicle.
It appears that my information is impacted in the security breach from Equifax. I checked Equifax 's site after their recent security breach to seen if I was impacted. In addition, I received an email from XXXX XXXX XXXX on XXXX/XXXX/XXXX saying that my account was locked for multiple attempts to sign in. I have not accessed that account in over XXXX years. I would like to file a complaint against Equifax and hold them responsible for any negative impact to my credit or finiancial state. I am contacting the credit bureaus to place a fraud alert once their sites are available ( sites are currently down due to high traffic with this incident ).
The Loan from XXXX was NOT transferred to XXXX bank XXXX as stated in your letter. The assignment was done by MERS conveying the interest under the mortgage ( which they did n't have to assign to GMAC/XXXX XXXX XXXX XXXX ) on XXXX XXXX XXXX. Four Years after the Trust has closed and after GMACXXXX had filed Chapter XXXX, XXXX XXXX XXXX. According to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number XXXX. They are only a TRUST not an investor they would only hold documents for the investor. The fact that the investor is bankrupt XXXX Bank is not sure on behalf of whom XXXX is collection for and why Ocwen has a lien on the property. None of the Documents mention Ocwen or XXXX Bank in anyway. 
Attached the Assignment to UNKOWN by MERS. 
Therefore the location of the original NOTE is being requested for viewing by borrower and borrowers attorney. No lean by Ocwen can exist for a note, that was never conveyed to XXXX Bank in XXXX. XXXX is NOT a note Holder, Ocwen is NOT a not holder and XXXX Bank America 's is only a trustee which holds records for investors. The question remains who is the investor that owns the mortgage NOTE- Location of the NOTE.
After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.
On Sunday XXXX XXXX, 2015 @ XXXX I went to this bank 's ATM machine. East West Bank located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My intent was to withdraw {$500.00} However the machine did not dispense the cash! The money was taken out of my account and now this bank will not give me the {$500.00}. The woman 's name at the branch is XXXX and her phone number is : XXXX. The woman 's name at XXXX XXXX in California is XXXX XXXX ( Manager ) and her number is : XXXX. Thank you!
I called Santander in XX/XX/XXXX to complete voluntary repossession. It was processed and I was told they would have tow driver pick up vehicle from repair shop. I got a call month later vehicle still at repair. At this there were no storage fees being charge. Santander stayed they would have check forXXXX sent to get vehicle. They never did. Repair shop called to state they would began charging storage fees. To date they have not picked up vehicle and they continuing to report late payments on credit report