WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 for about 10 months I made my daughter an authorized user of my account. Before doing so Barclay Card assured me that she could be a user and that it would have no impact on her credit. Only I was responsible for all charges on the account. She never signed anything. I asked for her to be added as an authorized signer to my account. BarclayCard sent her a card of her own to use. About XX/XX/XXXX she was finished with her need to use my credit card and I removed her as a user. 

She went to check her credit bureau the other day and found Barclay Card to be reporting MY full balance to her credit report. She called Barclay Card and they said they could not talk with her about it since she is not a signer on the account. I called Barclay Card to have it corrected and they said that I had to submit letter, via regular mail, and all of the supporting documentation to have my daughters credit reporting reversed. 

Their fraudulent mistake is not my problem to fix. Barclay Card acknowledges that they should not be reporting on my daughters credit report. They should not have reported it to her credit bureau while she was using the card and they certainly should not be reporting it now. However, they said they will maintain the fraudulent reporting unless I write them a letter with all the required documentation to have it removed. 

This is the exact kind of bullying behavior a big bank is supposed to have stopped a long time ago. So they have made an error and now it is MY problem to fix it. Unacceptable. And Illegal. 

Barclay Card has my complaint and my daughter 's complaint by phone and now through this correspondence. If they do not correct the erroneous reporting in a reasonable amount of time I will be forced to take more serious actions regarding the fraud they have committed against my daughter. Not to mention the illegal release of information about my account to her ( she should have never known the balance of my card at anytime, ever ). 

In my conversation with two Barclay representatives on the phone this evening both confirmed that the reporting should not have occurred as she was merely an authorized user with no responsibility for the credit and that the only way I can correct a credit reporting error, even if it is completely their fault, is in writing to a mailing address with supporting documentation which includes my daughter sending them, by mail, a full copy of the erroneous credit reporting. That exposes my family to unnecessary risk. The credit report they want me to send through the mail has all types of personally identifiable information contained within it.
my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo ), even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am, and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this.
After reviewing my annual credit report I noticed a hard inquire that I never approved Pentagon FCU on XX/XX/2017. I attempted to reach creditor and was unable to
I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made that month I can not make a principal only payment.
I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX   provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.
I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you
On XX/XX/2018, my wife " XXXX '' and I applied for a Platnium charge card from American Express. We were approved that same day, while on the phone with a representative we asked for an additional card for me " XXXX ''. 

We received the approved card in the mail on the XX/XX/XXXX. We call AMEX to inquire about the second Platnium. We discovered that the AMEX representative ordered a Gold card vice a Platnium. The AMEX representative stated, upon receipt of the Gold card we should call to cancel it. He " XXXX '' then proceeded to process a Platnium card for me " XXXX '' taking all of my information and getting approval from my wife to add me as a user. He also stated that we would have the card by the XX/XX/XXXX. 

We received a letter in the mail stating that AMEX is unable to approve the additional card. 
We call AMEX and spoke with an AMEX rep. " XXXX '', on the XX/XX/XXXX, he said the application was submitted incorrectly for my additional card. XXXX for the 3rd time took my information and assured us that the card would be expedited to us and received by the rd of   XX/XX/XXXX. 

On the XXXX thers was another letter from AMEX of disapproval for the secondary card. My wife called asking to speak with a supervisor and the representative stated that one will call back in 24hrs. My wife had to call back after the expiring 24hrs on the XX/XX/XXXX to speak with a supervisor. The representative was reluctant to put a supervisor on the line. Frustrated my wife asked to be transferred to customer relations. Without a clear reason as to why a second Platnium card could be issued to no fault of ours. We then canceled and closed the account with AMEX. 


v/r Mr. & Mrs. XXXX
Harassing phone calls. I have never missed a payment but recently had XXXX surgery which requires months of recovery. I called them to explain my situation and since then I received phone calls constantly on my cell phone everyday. When asked to please stop calling, they said we ca n't because you 're on an automated call system. It took talking to XXXX reps. before XXXX of them agreed to take my number off. 
Since then they call my home phone at least XXXX times a day until I answer. This has become harassment now. I am at home trying to recover from my surgery and they just wo n't stop calling.
Every month I pay about {$700.00} more than my minimum due on my student loans. In an effort to pay off the loans as fast as possible, the extra money goes into the loan with the highest interest rate until it is paid in full. Minimums are paid on all of the other loans. Thus, I was paying minimum dues on my Navient loans, only to realize that the monthly due is constantly being adjusted. From one month to the next, my total balance due had actually INCREASED. Also, when making a payment online, there is no option for dictating how over-payement should be processed. Navient 's website provides no formal / downloadable statements and no easy way to really track the status of the loan. This seemed deceitful.
I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.
Bank of America failed to satisfy the mortgage on our home and or release the lien on our home. This mortgage has been paid in full for 8 years. We and our bank have made numerous requests for Bank of America to rectify this situation and they have done nothing. They do not return phone calls, they will not let you speak to a supervisor. We have been trying for 3 weeks just to get someone to tell us where they are in the process and they refuse to give us any information.
To whom it may concern : The major issue I discovered with respect to these documents is on page 4. 

It stated that I lived in XXXX XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. I did not live at these addresses. Could you please correct it? 

Now, two other things. 

1. What is the XXXX XXXX XXXX XXXX XXXX that is under my name? I believe the answer to this question, leads me to my final question. 

2. On page 5, please explain the " MISDEMEANORS '' heading. I am confused about this. Please, clarify this heading on page 4. 

That's all I have for now. Thanks for your time. 

Sincerely, XXXX
On XX/XX/XXXX a payment was made for {$2000.00} dollars instead of the {$200.00} dollars I intended. I have called this company time and time again. I spoke with XXXX employee ID XXXX and was assured my refund would be processed. Its been a month and my refund has not been processed. Instead my limit was lowered.
XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
The bill pay system struggles to align itself with a biweekly pay schedule. My paycheck comes every other Friday and sometimes I am forced to change the time to align with my bills payment schedule. I changed my mortgage payment of XXXX from XX/XX/18 to XX/XX/18 so my payment would be on time. My mortgage was paid on the XXXX of XXXX and now again today the XXXX of XXXX. The double payment was the banks error. I opened the scheduled bill in bill pay and edited the payment date. This should not have occurred. I don't have the funds and my account is now overdrawn.
Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.
On XX/XX/2018 I purchased a Jeep, VIN XXXX, from Momentum XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over 709 at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. Mr. XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately 17K miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over XXXX hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX.99 because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. 6 ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.
I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit.
My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I opened a new checking account at Flagstar Bank in XXXX XXXX, MI, then a week later, a XXXX XXXX there called me and demanded that I go down to the Social Security Admin and get a letter from them stating that my SSA Card that I had given them was indeed mine. She stated that Date-of-Births are printed on cards now and that my replacement card with a recent date can not be correct. But DOB 's are not on cards, however since 2007, the date of issue is printed on the card. She changed her story again and again, then said XXXX XXXX   had flagged me and that they wanted more proof of who I am. So, in 35 degree weather, this XXXX & XXXX Veteran went out to catch the bus to go down there and then get a number and wait in line for an hour. I explained the story to the clerk and in a surprise, he did furnish me a letter, but said that management would call XXXX XXXX XXXX  as the SSA is not to be used this way. I got wet & was exhausted and then emailed it to XXXX, but she did not reply even after 4 hours. What's this all about - some kind of joke? I signed up for the {$250.00} bonus for opening a new account. Banks advertise these things. Are banks now trying to entrap folks for answering the ad? Have I signed up for too many? Each institution limits the bonuses to 1 per year. This seems abusive and further explanation should be forthcoming.
I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.
This is over XXXX XXXX XXXX. This has been removed from my credit file and is being reinserted. It is incorrect reporting. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charged off as bad debt Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance {$780.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual account
Not trying to still collect but debt was paid in full XXXX to Ryan E Calef Law Firm and 2 months later they still have not notified the court. Called Court month after paid off and they said nothing was filed. Court told me to get Warrant of Satisfaction from Calef so I sent certified letter with self-addressed stamped letter requesting Warrant of Satisfaction. Nothing was ever sent to me. Called Court right before starting this complaint and they verified nothing has been submitted to the court at this point and judgment is still listed as active. 
XXXX COUNTY SPECIAL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Reference Number XXXX
We went online to get our tax statement from the mortgage company online and see our monthly balance for payment has an increase of $ XXXX. It says not enough money in escrow. We purchased a house 2 years ago. After the first partial year of having a mortgage, we received a letter with a check from NationStar saying your escrow is too much, giving us {$2400.00} plus reducing our escrow account by another $ XXXX. I called them and said this seems like a lot of money, are you sure you wo n't short us or in future years jack up our rates. The response oh no, we are pretty good at this and it shows we do not need this money. So you can apply it to your principal or cash it, its your call. So we put it in our savings. Now this year, no notice, although their online system says they sent a letter on XXXX, never received it, that our escrow is short. So now they need {$2700.00} dollars to cover the shortage, plus raising our monthly escrow amount. All this equals $ XXXX increase. Now we only have 10 days before our insane mortgage payment is due.
Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is XXXX
XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!