WillisBack/dataset-financial-user-claim huggingface dataset:
In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, Equifax, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.
trying to force into escrow account, raising payment not agreed upon, not applying funds to make it appear as in default, trying to justify reason for loan manipulation
I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system.
I sent a letter to Experian letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Experian refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. Experian provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : File Number Put ACCOUNTS HERE!
I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited my account.
I have a personal checking account at Wells Fargo. 
I am not able to access my statements for these eight months : XX/XX/XXXX though XX/XX/XXXX. I have asked for them several times at my local branch. I believe that money has been taken from my account without my permission.
On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.
I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!
Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX
I have tried disputing this debt on numerous occasions saying this isn't my account that I have been a victim of identity fraud. I will fill out any necessary paper work. This is still on my credit report and I haven't received any documentation on how to resolve this with he company.
XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.
I was searching for a loan online and received an email from a XXXX XXXX XXXX claiming to be a Citi Bank Financial represenative. He said my loan was approved but because my credit score was low I had to pay the first installment so I purchased a green dot prepaid card and paid the fee soon after that I did not receive the loan. He then said the FDC was holding it because I owe taxes and that was what the loan was originally for. I then contacted the fdic and fdc.
I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage payments.
In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.
On XX/XX/2017 I sent a XXXX payment for {$1100.00} to my landlord through my bank fifth third. A week later my land lord asked for a late payment as they never received the amount. For almost 1 year I have been chasing this down with my bank and XXXX to find my funds as my bank only tells me they have been " delivered ''. They were never sent to my land lord and I have not been able to locate these funds. My bank only tells me that they can't do anything else as they as showing that in their system even though no one has t he funds. I opened numerous cases with no resolution and my bank finally said they had to close the cases because of FDIC regulations This has gone on for so long and I really need to find my funds! Please help!
XX/XX/XXXX I received a telephone call from XXXX XXXX ID # XXXX from XXXX ( print out on telephone screen said " XXXX XXXXXXXX '' ) stating that he could lower my credit card interest less than 50 % .XXXX XXXX stated that in order to lower credit cards interest rates he would have to charge an up-front fee but I would get it back. I gave him my XXXX XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXX XXXX account numbers. He advised that he would send me an email and mail documents to me. I didn't received any correspondence. I first called XXXX XXXX XXXXXXXX on XX/XX/XXXX asking if XXXX XXXX worked there & was advised that he did not. I called XXXX XXXX on XX/XX/XXXX to report that I felt that I had been scammed and filed reports. 
Letters dated XX/XX/XXXX and XX/XX/XXXX - received the end of last week stating that since I released account number to third party, I am responsible for paying the money charged to my accounts..
OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.
HARRASMENT CALL SUN LATE AT NIGHT EARLY IN THE MORING XXXX XXXXCONNS THIS PEOPLE ARE NUTS
I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX CHASE placed inquirys on my XXXX and XXXX  reports even while there is a fraud report and police in place I have contact chase thru mail and was sent a letter saying they were to be removed, to date none have been removed!
Approximately XXXX/XXXX/2015 I was contacted via mail to my residence by Credit Collection Services ( CCS USA ) with an address of XXXX XXXX XXXX XXXX, MA XXXX phone number XXXX related to a XXXX Insurance bill. I called and was asked for a phone number. I refused to give them my phone number because it is not my bill. They looked it up by the number on the notice and I asked them questions about the debt and explained that I had never had XXXX insurance and that the information they had in the file did not relate to me. They indicated that they would remove my address from the account. I have recently received XXXX additional notices about the past due bill 9 months after the first one. There is another person in the area who has the same name I do but I have lived in my house for 12 years and this is the first I am having issues with this. I explained if I heard anything else from them I would contact appropriate authorities about continued contact on a bill I do not owe.
Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.
I have asked Discover bank for a dispute and explained to them that I am victim of fraud of cooperation of two Companies of XXXX   XXXX and XXXX XXXX. But Discover bank after 2 weeks took it out of dispute with no explanation until I called them. Their reason was because it is aged.I also explained because of that fraud I am completely drained out of money, on top of that because of medical issues I am not able to work and and do not have income. They have come up with solutions that does not work for me and instead they have sent me letter, that they are going to increase the interest which will make my case even worst, I am already under a lot of pressure and sick and stressed out. for more explanation please see below : XXXX XXXX XXXX ( works ) with a crook XXXX XXXX company and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me. A year ago I trusted XXXX  and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX 's programs and in return charge/gain almost {$4000.00} in commission. As a result of their partnership, I am under {$60000.00} of debt in credit cards that am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months. At the moment, there is a legal case taking place against XXXX XXXX in federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it. ( XXXX ) XXXX XXXX  was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission. To me XXXX XXXX is as predatory as XXXX XXXX, because without XXXX   XXXX, XXXX would have been powerless and would not be able to prey on innocent people who believed in them.
MULTIPLE inquiries on my credit report by Chase Card for an Amazon.com Visa Signature Card that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted Chase Card and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX XXXX XXXX XXXX
I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop  receiving this call daily, some times several times a day
This company has called a friend, my place of employment, my sister, my brother-in-law, my nephew and my home phone and my cell phone numerous times.