WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX added an unknown female to my auto policy which cause my Comerica checking account to be overdrawn for XXXX from XXXX I regularly pay, I have been trying to contact Comerica bank to try stop that unauthorized payment and nobody is there to assist me, only automated menus, when I select transactions it says to call Monday to Friday. it is inadmissible they do n't have anyone that can assist me with unauthorized charges to my checking account which is overdrawn because of this charge, if they are federally insured they should have someone person to assist on this matter, unauthorized charges just do n't happens Monday to Friday XXXX to XXXX.
Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my report
After working as a XXXX XXXX with XXXX for 2 years I have been suspended as a result of a background check run by Checkr. It reports a criminal background. Four years  ago a malicious employee of the local XXXX, late on a Saturday XXXX  when the management was not present, called the local police and demanded that I be arrested for XXXX. I had been a member for over 20 years and had reported the employee to the top manager on several occasions. When the manager came to work Monday and learned of the incident he immediately personally went to the local office and had the charge dropped. He also terminated the offending employee. Because there were no charges or litigation this ought not to have appeared on my background report. The employee had no authority to act on behalf of the management. XXXX has terminated me and jeopardized my financial position based on a spurious " criminal '' background. I am enclosing the information that I have sent to XXXX, so far without success :
My father passed XXXX XXXX, 2016 he had a home equity line of credit and insurance to pay it off purchased in the home equity. I spent 5 month trying to get a amortization schedule from bank providing the death certificate and the will to bank by XXXX XXXX if not sooner. took till XXXX XXXX, 2016 to receive this document. then payment was made by insurance company on XXXX/XXXX/2016 applied XXXX/XXXX/2016. was told that the funds would be transferred back to checking account and lien release would be provided in 10 business day. on XX/XX/XXXX i called as nothing occurred and now they claim all they have is death cert and nothing else. i provided this to branch in XX/XX/XXXX and to XXXXXXXXXXXX on XXXX XXXX, 2016. Resent XXXX XXXX, 2016
on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.
I HAD A COUPLE OVERDRAFT FEES CHARGED TO MY ACCT THEY DID A REVERSAL DO TO A COMPANY ERROR AND I DEPOSITED THE MONEY FOR PENDING TRANSACTIONS AND NOW I GOT ANOTHER  XXXX  OVERDRAFT FEES FOR THOSE SAME TRANSACTIONS.. THEY WILL NOT REVERSE THEM. SO I GOT CHARGED  XXXX  FOR A  XXXX  DOLLAR  XXXX  'S   XXXX   AND A  XXXX  DOLLAR LIFE INSURANCE PAYMENT.
ive been a XXXX man for XXXX  years and i cant change that eqifax keeps lowering my score because im XXXX every month not because of credit issues it saddens me how every XXXX person in this world has a duty to knock the XXXX man down everytime he tries to be somebody or do something positive its like at birth XXXX  people are told to never allow XXXX people anything i have 100 percent payments on time 2 car loans and 7 credit cards all on time every month credit utilization 16 % i have XXXX in credit and used only XXXX so why is it every month my score goes down and never up i know filing this complaint is useless cause its the way of the world no XXXX  person is allowed to treat a XXXX person fairly every even after all the years of XXXX people getting knocked down there is no reason for my score to be dropping when i pay on time never late i finally see why XXXX people are held down so XXXX  people can look better and the saddest of it all the XXXX  person doesnt even have to know you personally its just that no XXXX  person can allow a XXXX person to suceed XXXX  people will always XXXX and im supposed to like how im treated or im supposed to say oh not all XXXX  people when it is i dont know eqifax or XXXX  so why would they knock my score down every month for no reason ill tell you its because im a XXXX person trying to do the right thing and having a high credit score i would be on a XXXX   persons level and XXXX people dont want that to ever happen so i know this complaint is useless because a XXXX person has no weight or rights in america so keep XXXX america alive XXXX lives dont matter
Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
This creditor is reporting a negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. This company is in violation of two different consumer credit rights.
XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. FXXXX XXXX XXXX Inquiry Date XXXX, XXXX
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  Consolidated Recovery Systems  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide  by the FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in  XXXX  of   XXXX   and the false information is still showing on my credit reports under the first  XXXX  names listed : Date  XXXX   XXXX ,   XXXX   Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX   XXXX  : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c.  The Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.
I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.
My name is XXXX XXXX XXXX, this is in reference to my credit report. Currently my credit report shows 1 collection for Portfolio Recovery Associates, LLC ( XXXX XXXX ) account # XXXX in the amount of {$740.00}. This amount was paid in full in XX/XX/2018. Request that to company notify the credit bureau of the payment.
On XX/XX/18 I filed a complaint/ dispute against XXXX XXXX XXXX for this misrepresenting my payment history on my credit reports. They since corrected it. Now I received notification that they are reporting it delinquent again and the account has been closed. Even worse is that they are reporting it now to both Transunion and XXXX. Is this legal? 
Here is the timeline : On XX/XX/XXXX, my score dropped 69 points ( XXXX to XXXX ). Dispute made XX/XX/XXXX. When the dispute corrected the issue, XX/XX/XXXX, my score only went back up to 66 points ( XXXX to XXXX ).  Now, on XX/XX/XXXX, my score went down 50 points ( XXXX to XXXX ) because the " Current '' status was changed back to 30 days past due ( From XX/XX/XXXX ). 

The initial drop in my credit score was approximately 69 credit points, then it went back up only 66. How can they correct their mistake than take it back. I am in the middle of trying to get financing for my family 's business and this is hurting my chances. Isn't this illegal? How can these people continue to kill my credit score without proof. They are misrepresenting my account history. Who is going to hold these people accountable? I pay my bills and they are the ones XXXX  people and they get away with it. This is completely unfair.
This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.
I purchased a Washer {$790.00} Dryer {$790.00}, Hoses {$50.00}, Compact Air Conditioner {$410.00}, Headphones {$350.00} Steam Vacume {$240.00} Microwave {$170.00}, and installation {$110.00}. plus taxes total of {$3400.00} When I went into the store to purchase these items I had a {$2000.00} line of credit but as I was shopping and running out of credit the salesman said you have enough and approved me for another {$1000.00}. They had a promotion that week for 2 years no intrest. I was told that I would be getting the contract by e-mail that night or the next day. What I received about 2 weeks later was a payment book with the amount of {$190.00} to be payed monthly, I received no contract even though I called them after delivery of the microwave, washer dryer, which was delivered 2 days after purchase. around XX/XX/XXXX. My call to them was that I was being charged over {$6000.00} when I only had {$2000.00} credit! Also they delivered the wrong washer, Also they added an Insurance Plan which I did not authorize in the amount of {$3100.00} from XX/XX/XXXX to XX/XX/XXXX at {$44.00} monthly. The person I spoke to when I called the 1st time could not help me since she could not locate a contract #, or purchase order # or anything for that matter. So I called them back a week later and the answer was to go to the store that I purchased these things at and bring a homeowners insurance policy to show that I am covered in case something happens to the items. And then they would cancel the insurance that they charged me for. According to their rules I had 30 days to send back anything I did n't want. But as of today I have still not received a contract. Nor did I get the 2 years no interest this I got from the person I spoke to on the phone.. I told her that I am XXXX and do not have anyway of bringing these items back to the store and it stated on their website that they would pick up these things but with a 15 % restock fee which they wanted upfront. { not stated on their website }! So all together for a purchase of {$3400.00}. I got a total bill of over {$6000.00}, but no contract specifying the purchase prices, the type of financing, interest and term or any other terms and conditions, just a bill incorporating many extra insurance products for an amount exceeding my credit limit by an extraordinary amount and further no creditor would extend that much credit to someone who lives on {$800.00} a month social sercurity XXXX, the income would never support it! 2 or 3 days after I made the purchase, I contacted Conn 's and told them to pick up everything except for the microwave. But they have not come to pickup anything, and I can not bring them to the store. All of these things except for the microwave, washer and dryer and air conditioner have not been used and are still in the original boxes.
I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.
XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.
Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.
On or about XXXX XXXX I applied for a modification with Ocwen Loan Servicing LLC on one of my Rental Properties. All paperwork i submitted clearly told them the property was a rental property and I did not occupy the home. On or about XXXX XXXX, I was advised that I was approved for a modification and they required me to make ( XXXX ) reduced payments for the periods XXXX XXXX, XXXX XXXX and XXXX XXXX. The paperwork they sent stated that if I made the payments on time the loan would be modified. I made each prior to the due date and they were all on time and sent them Certified Mail after my third payment I contacted Ocwen and they stated I should continue to make the reduced payments and expect my paperwork be adjusted and a final documents sent to me. On or about XXXX XXXX, XXXX, I received another modification letter that said I needed to make the payment for XXXX XXXX, XXXX XXXX and XXXX.It also stated in error that I certified it was an owner occupied property. I immediately contacted Ocwen regarding the owner occupied error and payment error and they said to sign the paperwork and send the paperwork in and they would correct it. I was also told to continue making my payments. I sent the paperwork in Certified Mail and continued making my payments via US Certified Mail. Each month my payments were sent in before the due date for the following month. On or about XXXX XXXX, I received a letter form Ocwen stating they are returning my payment because it did not satisfy the Re-Reinstatement amount. On or about XXXX XXXX I sent the next payment in which crossed their letter in the mail and it was cashed. On or about XXXX XXXX, I sent another payment in which they returned. I contacted Ocwen in XXXX XXXX when I received the letter and was told they had not received the paperwork. I forwarded them a copy of the Certified Mail Receipt stating that they did in fact receive it in XXXX XXXX and they stated because they lost it they never received and to resign the paperwork and re-send it. On or about XXXX XXXX, I resent the paperwork via Certified Mail. 

Each month Ocwen sent me a loan statement reflecting a acceleration of the debt. 

I did not hear anything from Ocwen other than the above loan statements until XXXX XXXX, when the loan statement indicated I was now delinquent {$9000.00} and the loan was subject to foreclosure. Within two days, I received a letter signed XXXX/XXXX/XXXX form Ocwen saying my modification was approved. The approved modification had the page removed that I crossed out owner occupied and marked non owner occupied, and now they state the loan is delinquent.
I have been w ith Simple  Bank for a long time and all of a sudden I ca n't access any of my funds. They tell me that they need my social security card, bank account, papers for external account, etc when I have been with them for months and I had to call them 5 times and every time they told me the same story. Do not use this bank they are unprofessional! They froze my bank account without giving me any kind of notice, even when I told them I had to buy my medication and pay my rent they still did n't care.
Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.
Our mortgage was sold from XXXX to Salene Finance in XXXX 2015. I paid my XX/XX/XXXX payment to B of A but Selene never got it and assured us during the transition I would not be assessed late fees or report negatively to the creditors ( which I was ). Long story short my husband have just come out of a 4 year on off unemployment steak we asked Selene for a payment plan and submitted our paperwork. We made our XX/XX/XXXX and XX/XX/XXXX Payments but they are not reflecting as being paid so we look 4 months behind. They denied our request for a payment plan because they want to come into our house. Now when we modified with XXXX they did an outside inspection. We live in this house it 's an invasion of our privacy and they are n't applying our payments so they can kick us out.
I have a judgement on my Trans union and XXXX accounts and I 've stayed with my parents since XX/XX/2008.