WillisBack/dataset-financial-user-claim huggingface dataset:
On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.
We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!
I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX Experian / XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : Request for Investigation of Unauthorized XXXX Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in XXXX XXXX XXXX and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXXf XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
This is in regards to the Equifax breach. Personally, I think it 's disgraceful that the executives at Equifax felt obliged to sell shares of their company before going public with this news, a clear-cut case of insider trading. 

This will go down as the largest and most severe consumer personal information breach in history do far, and agencies in which consumers have no choice in sharing their information with should be held to significantly higher standards in regards to privacy and information security.
XXXX XXXX shows on these date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution
Opened an account with syncrony bank made payments. Missed one or two payments in 2014 because of XXXX and after that all my payments made were not bring credited to balance. I 'm a XXXX XXXX vet trying my best to get out of debt syncrony is the only one that 's been reporting delinquency on my credit reports. Tried calling them to settle but to no avail. Please help me resolve this.
This is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?
XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
trustmark bank holds my note as a mortgage, for several months ive ask trust mark to explain why it is why every single month im stuck with a late fee, and no one that works for the bank does not want to explain why my im it with late fees, and my mortgage increases every month.
My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma.  The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company.
A debt collector sent text messages to everyone in my family including in-laws, stating that they were an " investigator '' along with a case number. The following was the actual text message : '' XXXX XXXX last name removed for privacy ], please call Investigator XXXX XXXX regarding case # XXXX number removed for privacy ] at XXXX. ''
My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust. 

My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate. 
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX. 
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review. 
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be. 
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested. 
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch. 
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch. 
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.
I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice?
My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.
On or about XX/XX/XXXX, I was contacted by XXXX XXXX. XXXX XXXX is a senior consultant at American Pacific Mortgage ( APM ). XXXX XXXX told me I had not been given the proper time to review documents associated with my original mortgage loan. Also, he told me APM would refinanced my loan at no cost to me. 


On or about XX/XX/XXXX I received some information from a federal government agency. An XXXX XXXX XXXX XXXX ( XXXX ), Loan Estimate with an issue date of XX/XX/XXXX and a XXXX Addendum to Uniform Residential Loan Application was included in the disclosure. 


My analysis of the documents follows : 01 ) I had not seen any of these documents before. 


02 ) All documents had an interest rate of 4.250 %. I was unaware of a potential 4.250 % interest rate. 


03 ) All the documents electronically signed with my name are forgery. 


04 ) All the documents electronically signed with my name have the same date and time stamp. 


05 ) All the documents electronically signed by XXXX XXXX have the same date and time stamp. 


06 ) All electronic signatures look like they were written by the same person. 


07 ) The XXXX has an extra blank page with an electronic signature of my name. 


I have questions about the attached document. 


01 ) I would like to know why I never saw any of these documents?

02 ) I would like to know why I was told about the 4.250 % rate?

03 ) How is it possible that all the documents electronically signed with my name have the same date and time stamp? 


04 ) How is it possible that all the documents electronically signed by XXXX XXXX have the same date and time stamp? 


05 ) Why do both electronic signatures look like they were signed by same person? 


06 ) Why does the XXXX have an extra blank page electronically signed with my name?
The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no  notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.
I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.
Trans union I have disputed an item 3 times and transunion always says it 's verified or updated I requested a method of verification and they refuse to send it and then sends out letters that I do n't quite understand their explanation but still send me their method of verification per fora 611
I have disputed this debt numerous times. I sent Diversified Consultants a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Diversified consultants has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Diversified consultants : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way
In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!
BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either.
My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.
Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX