WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue.
On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.
I've explained to the previous debt holder Resident Collect, Inc.. several years ago the debt in question isn't mine ( XXXX XXXX ). Resident Collect continued to send me collection notices. I told them that I never lived in XXXX XXXX XXXX located in North Carolina. I went so far as to file identity theft. 

Today I received the same bill from Innovative Recovery , Inc. from the same address as Resident Collect for the same amount and for the same creditor XXXX XXXX XXXX XXXX 

This collection process has been going on for over 7years XX/XX/2011.
The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.
I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
A tenant was attempting to pay rent through the Venmo app. On Thursday XXXX the XXXX, he transferred XXXX {$250.00} payments. I was credited the {$500.00} and after a few days decided to transfer them from the app to my bank account. 

A few days after, the money was still not credited despite being advised that it would take only 2 to 3 business days. When I called to check on the funds, I was notified that the tenant did not have sufficient funds for the transfer to take place, all this after being credited for XXXX separate payments. 

They failed to notify me of the insufficient funds and a today, XXXX the XXXX, I receive a letter stating that I had violated their policy and that my account had been permanently blocked. 

I did nothing wrong, except assume that they had taken out of the tenants account the XXXX {$250.00} payments when they credited my account. 

Because of their carelessness, I am now out on a month 's payment and I action is being taken against me when I pointed out their error. 

They should not have credited my account for XXXX different payments of the tenant could not even afford XXXX.
Since XX/XX/XXXX Experian has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public, however, I am also aware that main provider of this information is XXXX. Therefore, Experian is in violation of the Fair Credit Reporting Act for false reporting. My rst attempt was sent via certied mail USPS ( XXXX ) resulted in a return receipt as undelivered. However, Experian did respond saying the information was " verified ''.

My second attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. Experian responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did Experian verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies?

My third attempt was received via certied mail USPS ( XX/XX/XXXX) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of XXXX  verication. Once again Experian response deemed the information veried.

Laws I can potential le for : 1 ) FCRA Section 623 XXXX v. XXXX XXXX   XXXX  US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX
The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.
On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.
In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( XX/XX/XXXX ).
I saw on my XXXX  credit report that I had an account with West Creek Financial but I never opened one. After submitting a dispute through XXXX, I informed West Creek Financial about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my XXXX  credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
I called conn 's to see what the outstanding balance was and they advised me they no longer had my account and that I would need to get ahold on their 3rd party they used to handle outstanding balances the woman I spome with  transferd me to a company called XXXX and I spoke with a man who told me I owed and at first he was very understanding and wanted to help but what caught my attention was when he said how many outs I had that I had a duplicate account I asked for my balance he said it was for {$1200.00} which is not correct when I told him that his deminer changed and was very pushy wanting me to agrre to a settlement and how it would be in my best interest I told him that I wanted to verify the account to make sure it wasn't a duplicate account like he had stated I told him I would call conn 's myself and he said he could get them on the phone like a conference I said ok he never did, he wanted my checking information so he could better assist me I refused to disclose that with him ultimately I hung up on him and called conn 's and told them what had happend they said therr was nothing they could do because XXXX purchased that out from them that I would have to contact them again I owe them {$630.00} they duplicated my loan and now want to charge me {$1200.00} how can they do this why do they want to charge that on my credit report it shows I owe one account for {$630.00} and one with the same account # for {$1200.00} conn 's seems to not have any information or knowledge about this how can companies do this or allowed to act in this manner.
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Accounts on XXXX  and XXXX have been closed but still show as deliquent. There are inquires that should be on the reports. XXXX XXXX XXXX XXXX These accounts are not suppose to show
XXXX will not up date my account XXXX XXXX account to paid and XXXX  balance. I paid This account off.
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Friday, XXXX XXXX XXXX I used the Western Union website to send money. The transaction number was XXXX. I was advised that my name is similar to another persons and that meant they needed a copy of my drivers license and answers to a list of questions. I provided everything they asked for. It took four and a half hours to finally complete the transaction. At that time I contacted Western Union a final time and asked that they confirm the transaction. They confirmed that it had been sent and was received by the recipient.
Tuesday, XXXX XXXX XXXX I discovered that the money had not been received. I then contacted Western Union again and was advised that it had never been sent. Tech support confirmed that there was a problem with their website and it created an error preventing the transaction from going thru. That should have been revealed to me four days earlier as their system never showed that the transaction had been completed.
Tuesday, XXXX XXXX XXXX I was advised that they could refund the money from the uncompleted transaction and that they would send the money to my local Western Union office and would have to go get it there. I advised the representative that I am XXXX and can not, nor should I be expected to go get it. I insisted that the transfer me to a supervisor and was connected with XXXX. He eventually relented and said they would overnight a check to me via XXXX. I repeated again that I am XXXX so taking the check to the bank was not an option. XXXX then stated that he could escalate the case and it would be returned to my account in seven to 10 business days.
Friday, XXXX XXXX XXXX I had not received a confirmation following XXXX escalation of the case so I called again. I was then advised that I would need to go to the Western Union office to retrieve my money. I reiterated for at least the tenth time that it was not an option. I was told there was no other choice. After again demanding that a supervisor intervene I was connected with XXXX. He advised me that my money will remain at the Western Union office for 30 days then they can take it back and send me a check. I explained why that is not an option and he stated that he did indeed see that I had previously informed them it was not an option yet were going forward with it anyway.
XXXX then advised me that he would escalate the case as he saw no evidence that XXXX had done so previously despite the claims to the contrary. XXXX stated that it would take 24-48 hours for review. This is now Friday so there would be no decision before Monday or Tuesday. At that time, if they agreed, the money would be returned to the card they withdrew it from and that would take another 7-10 business days for the refund. I advised him that it was unacceptable as Western Union has already had my money since XXXX XXXX XXXX. They knew on that date that the transaction they took the money for had not been completed and could not be completed.
I am shocked by the incompetence and lack of concern for customers. I am asking that an investigation be opened into this matter and appropriate actions be taken.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX
Credit card company initiated dispute at my request. Then re-billed the item even after sending me a letter than I had won and the merchant had failed to respond. With no further correspondence from credit card company, they then rebilled the item on my account now saying merchant responded. Item still not received and credit card company is allowing fraud to occur to me and not properly filing  Federal rules.  This is for a credit to my account   XX/XX/XXXX  fo r {$48.00} and the rebilling of {$48.00}   XX/XX/XXXX .   <P/><P/> Time period for merchant to respond expired and merchant responded.  XXXX  out of Tennessee was extremely rude and advised they do not have to send consumer notice that item has been rebilled or supplied additional information, beyond the expiration of merchant 's time to respond, that item was rebilled. This is outrageous and violation of  Fair Credit Act.
I contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.
Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.
I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.
I am getting repeated calls on my cell phone from this company, often times multiple times per day. The calls began onXX/XX/XXXX and have not ceased. They leave no voicemail or ever ask me to call back. They have now begun harassing a landline number that where I used to reside but no longer do. They have engaged in notifying the people at this landline the reason for their call and the amount of debt they are attempting to recover. They began calling the landline as of XX/XX/XXXX and even when being told that the person they are looking for does not reside at this location, they continue to call on a daily basis. As of XX/XX/XXXX, they have now proceeded to harass my father on his cell phone and have called him two times. They have proceeded to notify my father of the reason for the call and the debt owed.
On XXXX/XXXX/XXXX at XXXX I called Bank of America and asked the customer representative about the transfer mobile feature. I specifically inquire about canceling a mobile transfer if I wanted to do that do to that and getting my money back from the transfer of funds. She told me I can cancel the transaction and obtain my money if done within 14 days. She also assisted me in helping me complete the mobile transfer. She was very nice. 

The reason why I called the bank was because I was making a transfer for an online transaction that I know it can be scam. Because of the answer I received from the bank 's customer service representative when I called, I decided to proceed with the transaction. I felt comfortable that I would be able to cancel the transaction at anytime within 14 days if it was fraud. 

I called back the bank at XXXX ( shorly after XXXX ) to cancel the transaction and obtain my funds as I was under the impression that this was officially a scam. Now I am told that I can not get my funds and that they are gone. 

Please go back and retrieve the recording. Again, I called the bank and the bank told me something and now it is telling something else. I think the bank should conduct an investigation, listen to the recordings and find out how I was given wrong information that consequently, resulted in me making the transfer. 

Thanks, XXXX XXXX
I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.