WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.
I was a victim of the recent TransUnion inquiry issue and was needing to have inquiries moved. I have spoke to a transunion rep on the phone who refused to help me in any sort of way. The inquiries needing to be removed are as follows : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I was released after doing time in XXXX on XX/XX/XXXX. While I was there someone used my credit file to get a credit card, a cell phone, and utilities. On XX/XX/XXXX I filed a police report, contacted the companies that the accounts were opened and the credit bureaus. The accounts were taken off but the inquiries remain. The suspect is in custody and I have gotten letters from every single inquirer saying they instructed Equifax to remove, mask or suppress the unauthorized inquiries, however Equifax is still reporting this. 

I have submitted papers from my XXXX XXXX, my release paperwork, the police report, and letters from the companies saying that it is supposed to be deleted and Equifax continually ignores this. The only response I get is an automated response telling me to dispute the inquiry with the creditor, even though I have and the creditor has given me the information I am providing to Equifax. Just like the letter enclosed. Once they even sent me information asking me to verify my identity. How is it that Equifax lets anyone pull my credit report without proof I authorized it, without proof of my signature and without proof that they had a permissible purpose in complete violation of the law and I cant get a copy of my own credit report with proving that I am in fact me and I have a permissible purpose ( i.e. looking for a job ). 

This company first aids identity thieves with this practice, not only that they show utter disregard for the laws of this great land, and are complete violation they have cost me several opportunities and all I can ever get from them in response is a form letter talking about what inquiries are. Please someone enforce the law. You can report anything you know to be inaccurate or authorized, Equifax feels that it does not have to follow the law.
Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.
I recently contacted Walmart service representatives about a high spike in interest rates on my card. I pay my bill on time and I have never been late making payment, for some reason in the past months my card balances continued to go up and my interest rates continue to increase!! My payments each has spiked up as well.The representative couldn't give me a reason why my interest rates, balances and my payments continue to increase.
Today, is XX/XX/XXXX, and I havd had numerous issues with XXXX XXXX/XXXX XXXX, XXXX, and its Curators, Attorneys ; as well as the Loan Officers acquired by the state of Louisiana. Due to discrimination and impracticable business practices has wrongfully forceclosed on XXXX XXXX. Please be advised I review my checking account with XXXX XXXX and discovered check # XXXX was issued to Seterus on XX/XX/XXXX. Seterus was unable to locate the payment, therefore, I submitted a money order and sent the payment by certified mail. Also, I requested Seterus to disgard check # XXXX. Today, XXXX, Region Customer Service Representative, located in XXXX, Flordia informed me the check wa processed. XXXX XXXX, Seteru Representative, informed me that the processed department wasn't able to identify my information. I have reported these incidents to Louisiana OIG office ; also, I filed complaints with XXXX District Court of XXXX XXXX and the XXXX District Court of XXXX XXXX. These courts postponed the litigations. Due to these courts ; as well as the Federal Courts located in Louisiana ; I had to file bankruptcy during calendar year XX/XX/XXXX. Please contact XXXX XXXX, Bankruptcy Attorney at XXXX for additional information. During XX/XX/XXXX until present property damages occurred on real estate and automobiles in the state of Louisiana. Due to the significant financial losses I am unable to obtain an attorney. The mortgages were filed in XXXX XXXX XXXX XXXX for properties XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, XXXX, Louisiana.
Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ). 

ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.
XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, XX/XX/2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, XX/XX/2014. Please refer to the XXXX dispute results, dated XXXX XXXX, XX/XX/2014. However, XXXX XXXX reinserted the previously deleted information through Pinnacle Services Credit Services, LLC in XXXX, XX/XX/2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, XX/XX/XXXX This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. Pinnacle Credit Services , LLC has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having Pinnacle Credit Services , LLC reinsert the negative credit item under my name. Pinnacle Credit Services , LLC is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.
I was sent a letter by an attorney  XXXX   XXXX  wi th Nelson & Kennard   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  XXXX   XXXX    XXXX     XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached from  XXXX   XXXX   XXXX . Not what I requested? Nor was it any help to me.   I am going to reply to both  XXXX   XXXX  and  Nelson & Kennard, b ut have not yet done so as I am requesting help from you.
In XXXX of XXXX my financial advisor noticed a charge on my Wells Fargo XXXX statement from a company that I had never done business with. The name of that company was XXXX XXXX XXXX XXXX, out of XXXX AZ. At that point I did some research on the merchant to find out why they had charged my card, because I have no record of doing business with this company. They charged me {$3900.00} on XXXX/XXXX/XXXX. So I went on the internet and looked up their company info. I found a number for them and when they answered they answered the phone as In Compliance Services. I asked if I had the right number for XXXX XXXX XXXX and they said yes, it 's the parent company. Then I asked if they could provide me with a invoice for services rendered on my card on the date of XXXX/XXXX/XXXX, and why they would have charged me. They put me on hold and forwarded my call to another young lady who said she was in charge of billing. I explained to her that I had an erroneous charge on my card and that I 'd like to get some more information on what services they provided me and some paper work or an invoice for services rendered. She told me that she could not. At that point I called my Credit card company, Wells Fargo, with my financial advisor on XXXX/XXXX/XXXX. They told me that they have a {$0.00} fraud liability protection clause. I explained to them that I had no business with this company and was not sure how they got my information but I would like to file a fraud claim against this company. Wells Fargo filed the claim, however they denied my claim because they said since I paid my bill authorized the charge. They told me that I could file for reconsideration, so I did. However, they denied that claim as well.
I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.
Reference # XXXX - The compliant centers around two 0 % promotional APR offers with a Bank of America Credit Card. The first offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX, while the second offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX. The balance for each offer at XX/XX/XXXX were {$7800.00} and {$5100.00}, respectively. As offer XXXX was due to expire on XX/XX/XXXX, a payment of {$7800.00} was made to the account on XX/XX/XXXX. However, the payment was applied first to offer XXXX satisfying the {$5100.00} balance with the remaining balance of {$2600.00} applied to offer XXXX. Following numerous conversations with Bank of America representatives from XX/XX/XXXX to XX/XX/XXXX ( multiple calls per day ), the compliant was researched and it was determined that the payment was first applied to the offer with the earliest start date in accordance with bank guidelines and policy. 

The representative explained that the payment being applied to the offer with the earliest start date was disclosed in the Credit Card Statement ; however, the only item disclaimer in the statement references " HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balance first ( including transaction made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. '' Since both APRs were 0 % at the time the payment was processed on XX/XX/XXXX, it would appear the consumer could direct the payment to be processed in a way that is most favorable to the consumer. However, if the interest only promotional offer had expired, meaning the payment posted after XX/XX/XXXX, it would appear the allocation of the payment would have been correct.
Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?
I use Navient and when i asked about Loan forgiveness they automatically told me i was not eligible and made me do a repayment form that would cost me {$0.00} for 12 months. Which is fine ; but, now i am worried that the payments will go up. I also asked about deferment and they told me i was n't eligible either. I make XXXX year right now and i have about XXXX in debt.
They have identity on all 3 of my credit report XXXX, XXXX XXXX, Experian credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
I have 2 Capital One Credit Cards. One of them is reporting to the 3 credit bureaus and the second one doesn't report. I called in several times and They always mailed me a letter stating that they verified that it is reporting, ALTHOUGH IT IS NOT. 
I WILL ATTACH SEVERAL LETTER FROM THE PAST YEAR SHOWING THAT CAPITAL ONE DENIES THE FACT THAT IT'S NOT REPORTING.
I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX
On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
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In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX