WillisBack/dataset-financial-user-claim huggingface dataset:
My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.
XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX
After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :
This was an unsourced line of credit and the business closed over 14 years ago and I was a guarantee. XXXX has been and still is billing me when the business is going out of business. they went after me the first 7 years to try and only after selling the loan to a collections XXXX XXXX XXXX  XXXX. They in returned garnished my wages while XXXX whom had sold the loan and I sign an agreement to try and repay then attorneys from and was unable to meet the obligations, Both XXXX and the Collections company was hindering me. I refinance my mortgage in XX/XX/2010 and was made to remove the XXXX that was put against me only to have the same attorneys office file another banishment and XXXX on me personally. This has been going on for 17years and I am going to Sue
I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the XXXX
Company Name : XXXX  XXXX XXXX XXXX ( XXXX ) ; Account Number : XXXX. This account has been previously disputed through the CFPB portal as well as XXXX, XXXX and XXXX for the account being inaccurately reported to the credit reporting agencies. The account was disputed on XX/XX/XXXX and XX/XX/XXXX through the CFPB portal. On XX/XX/XXXX I received a IRS Form 1099-C for an  amount of {$950.00} from the creditor ( XXXX. ) I have attached a copy of the IRS Form 1099-C. I have never entered any agreement with the creditor to cancel this debt or settle any portion or amount thereof. This is a charged off account and is bound by FCRA regulation to be removed 7 years after the first date of delinquency or any inaccuracy such as the one in this complaint and previous complaints. However, in my previous disputes I have disputed the balance on the account is incorrect and both the creditor and credit reporting agencies have failed to correct or delete the inaccurate information from my credit file. As you can see in the attached copy of my credit report, the account shows a balance of {$1200.00} but the IRS FORM 1099-C shows a balance of {$950.00}. As you can see the amounts are significantly different and this is a contradiction. Therefore a violation of the Fair Credit Reporting Act has taken place. This item is to be deleted/removed immediately from all of my credit files at all credit reporting agencies for reporting an incorrect balance. Since XXXX is reporting an amount of {$950.00} on IRS FORM 1099-C, that is the amount that should reflect all of my credit files and it is not which is a deceptive practice and resulting an inaccurate credit item.Per the FCRA, a consumer ( s )  credit file must be 100 % accurate and this credit item clearly is not. Furthermore, I received correspondence from XXXX dated XX/XX/XXXX stating that they have tried to correct/update the credit limit with the credit reporting agencies to ( {$0.00} ) and they have been unsuccessful. ( See attachment. ) XXXX and the credit reporting agencies have had plenty of time to correct the information so that a accurate credit item is shown and they still have failed to do so. Please refer to the attachments : Copy of credit report showing a {$1200.00} balance, copy of form 1099-C showing a {$950.00} balance ; copy of correspondence from XXXX dated XX/XX/XXXX admitting their failure to correct/update information.
I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.
I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????
I got approved for a line of credit with XXXX XXXX for {$1300.00}. I made a purchase of {$2400.00} and the representative who assisted me stated that as a XXXX buyer and card holder we allow you to put it all on store credit. Not XXXX time did she mention that it would cause me to go over my credit limit. I then get my first bill and my minimum payment due was {$1400.00} and I did n't understand why. When I contacted the company that 's when they said I am over my credit limit. This caused my credit score to drop XXXX points. I contacted the representative who helped me back on XXXX/XXXX/15 and she no longer works at the same location and she also lost her position as manager and now is assistant manager because what she did was wrong and it was n't honest and she got in a lot of trouble. I told her everything that happened and she and her manager are disputing this issue. She said she takes full responsibility for her actions and she will provide a letter stating what has happened so I can dispute it to the credit bureaus but I still have n't gotten the letter. 
The credit company raised my limit so I 'm no longer over the credit limit but that still does n't take away the intial hit on my credit and they need to take responsibility of this or do a reversal so it shows I never was over the credit. The company also hit my credit for a late payment even though I was n't late so they waived the late fee but that does n't take away the initial hit on my credit. I 'm waiting to hear back from corporate but no one is assisting me with getting in touch with me and I need to have this resolved before XXXX/XXXX/15 because if it 's not I will return everything so I can fix my credit.
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company '' SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I am XXXX XXXX sister and legal guardian/Power of Attorney for XXXX XXXX XXXX- the account holder at Bank of America in XXXX XXXX TX. XXXX went into the VA hospital- XXXX XXXX XXXX XXXX XXXX XXXX TX in XX/XX/XXXX. He had XXXX XXXX XXXX  in which he became XXXX. He was transferred to XXXX, WI XX/XX/XXXX. XXXX is still XXXX which necessitated the State of WI appointing me his legal guardian. 
I tried to open a bank account as directed by the Social Security Administration and the Veterans Administration to transact his financial business and take care of his responsibilities. I was told by my financial institution that Bank of America National issued to outstanding reports of {$230.00} and XXXX on XX/XX/XXXX. I contacted Bank of America which is located in another state. I was told I had to come into their branch office with the documentation. I requested their fax process as I am not able to travel to  another state. I was denied. I have been getting the run around from their customer service to their fraud division. I have not been able to get this issue resolved. Bank of America does not have an adequate way of resolving issues for XXXX customers. I have tried to notify them of the fraud on XXXX 's account if the fees resulted after XX/XX/XXXX. I am trying to close the accounts and resolve the issues.
The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end
Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.
Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the Equifax breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX  twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over XXXX points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Credit Card - Credit Union XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I am the victim of identity theft and my account information was stolen. I received alerts on my cellphone informing me large purchases was made using my account number. Three transactions totaling {$700.00} was charged ( XX/XX/XXXX {$300.00}, XX/XX/XXXX {$210.00} and XX/XX/XXXX {$180.00} ). I  immediately contacted Amex to have my account closed. At that time, the representative closed my account and issued another card. They also emailed me a Declaration of Fraud form to complete and send back. I completed and submitted the form and I was told that Amex doesn't issue a temporary credit until the investigation is complete. It will take up to 10 days for the investigation to complete and at that time a decision will be made if a credit would be issued or not. On XX/XX/XXXX, I received and email to inform me that the investigation was closed and I will NOT be issued a refund of my stolen money. I was instructed to send a request to the company if I wanted to review the documentation leading to this decision. I have NOT received any documentation from the company that supported their decision not to refund me the stolen money. The only information I received was that " They '' investigated the claim and found the charges to be authorized. That is completely false. I did not make or authorize those charges and the company can not provide me with evidence of the investigation. I am requesting a full refund of the money that was stolen from me and Amex did not do their due diligence to protect my account information.
The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.
On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank.
Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.
I have XXXX loans through Conns. I have fell upon hard times in the last month and have n't missed a payment prior for a year. I am late on a payment less than thirty days and they call me at least 7 times a day. Today it is XXXX and they have called me three times. I have asked them to stop calling me repeatedly daily but they keep calling. Please help.
Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016
I requested signed and proven documents from Equifax for the following inquires and they have not provide the information, which is hard copy of the application with my signature showing I applied for credit. Please remove inquires ASAP. 

Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Dear Equifax Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX XXXX
Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone.
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to Ditech. In XX/XX/XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XX/XX/XXXX, The mortgage was not a part of the bankruptcy and my payments to Diteck were made on time consistently. In XX/XX/XXXX I contacted Diteck as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting. Now I am applying for a reverse mortgage, I can not reach Diteck directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this. There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest. This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.