WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.
This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX
Money transfer were initiated and supposedly cancelled by XXXX : 1. XX/XX/XXXX- {$1900.00} transferred on XXXX app initiated by me, but cancelled by XXXX   after funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account in ~5 days 2. XX/XX/XXXX- {$2000.00} transferred on XXXX  app initiated by me on XXXX  app , but received cancellation notice from XXXX  after the funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account within ~5 days. 
3. XX/XX/XXXX- {$1900.00} transferred by me on XXXX  app and received notification from XXXX  that the daily max is {$1000.00} and that I will receive a {$900.00} refund to my account. 
I never received any of the {$4800.00} to date. My bank chase has not been helpful in recovering funds.
MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
I have submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This was not done. They just did they regular dispute process and they did not remove the account.
PennyMac purchased my mortgage and has repeatedly refused to allow me to opt out of PII sharing. I have notified them by phone and in writing of my intent, but they have refused to provide me an e-mail address that would allow this to be properly documented. PennyMac 's actions are a violation of this US statute : XXXX
ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? 

THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. 

PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. 

THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? 
Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? 

NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? 

THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). 

AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. 
FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. 

AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. 

I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. 

THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. 

Consent to publish the description of what happened? 
Consent provided What do you think would be a fair resolution to your issue? 

GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? 

PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). 

XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ XXXX ( XXXX ) XXXX ( XXXX )
On XX/XX/XXXX I received an email from XXXX XXXX, stating that an inquiry was made on my Equifax Credit Report by XXXX XXXX. This inquiry was authorized without my verbal, written or implied permission or consent. 

On XX/XX/XXXX I received a bill from XXXX XXXX with my full name and address for Account number XXXX, XXXX number XXXX, phone XXXX for the amount of {$120.00}. This account was never opened by me. I am a victim of fraud and identity theft. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX and XXXX, but to no avail, as I was on for many hours and then the call dropped, after calling again each time it stated all circuits are busy. 

On XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX. XXXX XX/XX/XXXX, stating that, " While we appreciate your interest, unfortunately we are unable to approve your request. Your request was carefully considered and we made our decision for the following reasons : We were unable to verity your identity. '' Someone has accessed my personal information without my permission or consent and has attempted to open an account with XXXX XXXX. Application number : XXXX, in which I received a letter from XXXX stating that credit was denied. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX, XXXX, email address : XXXX stating that, " Your password has been XXXX due to multiple use of incorrect login details. '' " For your security, we have XXXX your Online banking. '' This is also fraud and identity theft, as I made no attempts to access my online XXXX XXXX  account. 

On XX/XX/XXXX I received a letter from XXXX XXXX, P O Box XXXX, XXXX, Oregon XXXX, stating that on XX/XX/XXXX, they confirmed that an unauthorized intrusion into their computer system was made, resulting in the theft of my personal information. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 

In additon, I believe that I was a victim of identity theft and fraud due to the Equifax computer system breach or sale of information in XXXX. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 
This fraud and identity theft has resulted in my Equifax Credit Score being lowered and is not only causing me financial stress and fear but is also causing me much fear for my life because someone has my full address and may decide to do physical to me and my love ones. 

I am unaware of how to resolve this issue of fraud and identity theft. I am stressed and living with great fear. I need your help in resolving this issue of multiple fraud, identity left, lowered credit scores, and attempts to access my bank account.
I have been sending money to my friends in XXXX for several years. The money I send supports two families that otherwise would be in dire situations. I have been using XXXX to send the money. I recently moved which meant I had to update all of my financial information and update my account on XXXX. However they do not provide a way to update your e-mail address. So I called and spoke to customer service. I was told I would need to close my current account and then open a new account. The service rep closed the old account and I opened a new account. But when I attempted to send a transfer to my friend I received an e-mail saying the account had been suspended and that XXXX  would no longer accept transfers from me. When I asked why they refused to give a reason except to say it had nothing to do with my change of address. 

I decided to open an account with WorldRemit. They allowed me to open an account but once again when I sent the money I received an e-mail saying my account didn't meet their criteria as outlined in their terms and conditions. When I asked what exactly they wouldn't say. 

The fact that both companies have refused to send money leads me to believe that either someone has stolen my identity or my name is on a list somewhere. Is there some way to find out what the actual issue is and hopefully get it cleared up so that I can continue to help my friends? These are people I've known for several years and visited twice in XXXX. I don't want to let them down.
I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.
muliple inquiries on XXXX XXXX, 2015 that were not autorized
Last XX/XX/2018, I sent a letter to XXXX including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.
Experian is holding me liable for debt that I did not apply for. I am a victim of identity theft and they refuse to remove the fraudulent accounts. The fraudulent accounts are XXXX XXXX and XXXX XXXX XXXX XXXX. I 've uploaded my identity theft report to their website and sent a certified mail copy. They are violating federal law by keeping this fraudulent debt on my credit report.
On XXXX XXXX, 2017, I submitted a dispute to Transunion for a collection account from " XXXX XXXX. '' The amount was for {$3300.00}. I also submitted a complaint about XXXX XXXX to the CFPB around this same time.
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The CFPB was successful in getting the agency to remove the account from my credit file. However, the results listed in my disputes section says : " Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity. '' Obviously the account was NOT accurate and has since been removed from my report. I 'm not sure why the comments would still say the account was accurate if it was in fact removed.
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It is my understanding that comments on accounts do not affect credit scores, however, I do not want lenders / creditors that pull my report to think I am in the habit of trying to weasel my way out of paying debts I owe.
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This debt was never owed and the collection agency and original creditor know as much, hence its prompt removal from my report after my initial CFPB complaint.
I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.
switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time.
This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.
I use an application called XXXX that allows me to gain access to funds for hours that I have already worked immediately. They have lighting pay and are prompt in removing and immediately adding funds to my account. The application is able to remove the funds that I owe it on my pay day. In order for me to gain access to the funds again my bank has to send updated info to the application. This could take several days. The application helps me keep my accounts balanced and positive while I recover from a debt situation. It provides auto overdraft protection which is critical and one the reasons I LOVE the application. However, if you are counting on the application for an emergency it becomes unreliable because there is always a hold in reporting from the bank. my household income has greatly increased overall and I am about to start looking around for more savvy options with quicker responses times. The bank is costing me the money I am trying to save by working against me.
As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet?
I have had a Chase Sapphire credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. Chase issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a Chase representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore Chase said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the Chase account back to my credit file. 

I called an XXXX XXXX at XXXX ( XXXX ) and he confirmed XXXX had indeed removed the Chase account from my file but that he could not reverse that action without a request from Chase. 

I called XXXX at Chase ( XXXX Ext XXXX ) and asked her to request of XXXX that the file be unblocked and to reinstate the Chase account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

XXXX advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with Chase as I would lose some 300,000 points for air miles with XXXX XXXX  mileage plus. Additionally, although I still owe some money to Chase on the old account ( not due until XX/XX/XXXX ) Chase refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me Chase can not communicate with me by mail any more. I have not yet received anything at all from Chase in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
Experian has refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}
I am contacting the CFBP regarding this Bank of America account showing on my consumer credit report. Since XX/XX/2015. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an effort to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. In a previous complaint with the CFBP, I was given this information, If you would like to make payment or settlement arrangements, please contact our Internal Recovery Unit at  XXXX. We regret any confusion this may have caused you. However, the number does not work. I have been calling consistently for over 6 months. The operator answers and says, Thanks for calling Bank of America, we are not available at this time. Try your call again later. The company is not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account needs to be removed from all three of my credit reports. That is all I am asking.