WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to prior Case number : XXXX. 

In addition, the case was investigated by the FL Attorney General XXXX, who shuttered the fraudulent vendor XXXX XXXX Scheme XXXX XXXX  XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, air, care XXXX County Clerk of Courts Office of the Attorney General Plaintiff vs. XXXX XXXX, et al Defendant XXXX XXXX  XXXX Case Number : XXXX The account was managed by XXXX XXXX XXXX & XXXX, XXXX XXXX on behalf of Bank of America. 

The Bank of America case as previously reported was represented by attorney XXXX XXXX XXXX XXXX XXXX, XXXX. The Attorney and record filed claims in the XXXX XXXX XXXX, FL Small Claims court CAPTIONED BANK OF AMERICA, N.A. V.  XXXX XXXX XXXX IN XXXX XXXX COUNTY COURT, CASE NO. XXXX ( COMPLAINT ). The Complaint alleged the Defendant became indebted to XXXX and presently owes {$2800.00} ( the Allegations ) regarding the consumer credit account number ending in XXXX. 

Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. handling Case No. XXXX ( Complaint ) terminated the case by voluntary dismal. 

However, the item in dispute continue to appear on my credit report with a status of KD - Key Derogatory ( Charge off ) on both my XXXX and XXXX credit files. 

I have contacted both XXXX and XXXX over a XXXX and XXXX of XXXX with the supporting documentation and documented stamped/validated by the XXXX XXXX XXXX Clerk of Court. 

Today XX/XX/XXXX, I spoke with a representative at XXXX told me on a recorded line who told that the Bank of America had instructed them ( XXXX ) to keep the KD - Key Derogatory ( Charge off ) status on my credit report. When asked if I could get a copy of that instructions communicated by Bank of America, I was told that it could only be obtained via court subpoena. 

I would like the Consumer Financial Protection Bureau to enforce the terms of the voluntary dismal as agreed and signed with Bank of America Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. and have the Bank of America status of KD - Key Derogatory ( Charge off ) on both my credit files i.e. XXXX, XXXX, XXXX, XXXX, etc.
Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?
In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.
FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.
I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!
I opened a Key Bank account with a {$50.00} initial deposit processed on  XXXX   XXXX  per the statement, with a bonus offer that if I made {$500.00} in payroll direct deposits within 60 days I would receive {$300.00} in bonus.     Since  XXXX   XXXX  when my opening deposit was processed and account was available for use, within the first 60 days of  XXXX   XXXX , I have made payroll direct deposits well over {$500.00} dollars as follows  XXXX   XXXX  - {$410.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$500.00} I have not received the bonus even after waiting out a few statement cycles as per the advertised offer.
I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter.
This company operates International Money Transfer service " XXXX Money Transfer ''. 
1 ) I submitted the money transfer request on XX/XX/2016. 
2 ) The transaction receipt indicated that the money would be available by or before XX/XX/2016. 
3 ) The company debited my XXXX XXXX XXXX account on XX/XX/2016 for {$200.00}. 
4 ) The transfer was not received on XX/XX/2016 and there was n't any communication from the company. 
5 ) I contacted the company on XX/XX/2016, inquiring about the transaction. The representative replied and asked for XXXX information, which was provided. Eventually, after back and forth, the company did release the money on XX/XX/2016, plus it took 3 more days to reach my recipient resulting in a transaction time of 24 days. 

I believe the company failed to follow up w/ their XXXX inquiry in a timely manner thus misrepresenting the information about when the money will be available.
Equifax has re reported the XXXX account again without a 5-day notice. This is against the FCRA. I 've disputed this debt before and it was removed from my Equifax report in the past for being re reported. I 've attached a letter from Equifax in the past for the removal.
Revenue Assurance Professionals collection accounts have been removed from my credit report because the accounts could not be verified. Since the removal of the account Revenue Assurance Professionals have reported late payments under Other Loans on my XXXX credit report.
After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.
To Whom It May Concern : I am writing this letter to dispute an error in the reporting of my credit score. It has come to my attention that on two ( 2 ) credit card accounts I am designated as joint account, this is an error for the following reasons : I am only an authorized user ; not a co-signer. 
The accounts in reference were opened 2 years prior to my addition to the accounts and at no point in time did I open a new joint account. 
I have never used the accounts assigned to me, nor incurred any debt to the accounts aforementioned. 
I never signed any paperwork nor presented myself physically in front of any crediting party to sign and be part of joint account. 
I was added via telephone by the sole debtor and I consider these actions to be fraud and misuse of my name for malicious purposes. 
With the aforementioned reasons I request that a correction be issued on my credit reporting to reflect me as an authorized user. Anything deviating from this fact is incorrect and should be considered fraud and a misrepresentation of my credit abilities. I have filed a police report for fraud in regards to this matter and can provide additional supporting evidence upon request. 
I sincerely appreciate an immediate investigation into this matter and a response in regards of those findings. This is a serious matter that requires your attention at the earliest convenience
I blew the engine on my XXXX XXXX back in XXXX of this year. When I called XXXX for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period.

Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from XXXX for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with XXXX supervisor again. I was told by supervisor that they would look into this and give me a call back. 

Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from XXXX and am now being forced to pay heavily for their errors.
I believe this company closed my last case claiming fraud in reality. Theyre not trying to give me my money back. Ive heard alot of complaints about this company regarding the same issue. There is no fraud and for Goldman Sachs to assume such frivolous ideas is uncalled for. You guys never bothered to contact me not once. Thats very unprofessional. Spoke to customer service already and was told my account was being closed. I was okay with that and asked where are my funds going to go. Once again i was told theyll be transferred to my linked external account. I have a recording of that conversation between a rep of Goldman Sachs and i. I recorded it because i knew they were going to pull this mess. I havent seen a penny of my {$500.00}.
My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back
Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.
I am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?
Charged me for a utilities and refused to accept proof that I was not residing at property at time bill was made. No record of call to disconnect. I paid this company 's hired collection agency ( Assoiated Credit Services ) {$410.00} in order to remove a debt from my credit reports related to a bill that I did not make for utilities. I have explained that I moved away from property. I left the state for a contract travel assignment for work on XX/XX/XXXX. XXXX XXXX was notified on XX/XX/XXXX but they conveniently lost the record of my call. The owner of the property will not remove it due to a unrelated dispute. The property was vacant but billing continued for XXXX months after I vacated. I received a bill on XX/XX/XXXX and promptly notified XXXX XXXX that there had been a mistake and requested service be disconnected. There was no previous balance due. I was told that there would be an investigation and I would receive a final bill minus the time I was away from property but I would be contacted by a supervisor if they needed my documents of proof. I never received any further correspondence. I restarted my credit monitoring service a few months ago and noticed that I had been referred for collection. I immediately called XXXX XXXX to resolve matter but was informed that ASC was in full control of collections and they refused to accept a payment. The representative also suggested I file a dispute with the credit bureaus and explain the matter. and/or file a dispute with the credit bureau. I called ASC and explained the whole ordeal of moving and not being notified or aware of bill or collection efforts. I was told to call XXXX XXXX to have matter corrected and/or dispute the inaccuracy with the credit bureaus. I explained that I was willing to pay debt to expedite the removal despite not owing bill, the ASC representative agreed and said I would get a receipt in mail but they could not put in writing that they would delete. I was told by XXXX XXXX and Associated credit services to " call the credit bureau and challenge the debt ''. I did, XXXX reports that ASC verified the debt was valid and that no payment had been made. I have a contract for employment with a start date XX/XX/XXXX in South Dakota on a remote XXXX XXXX. It is not possible that I made the bill for utilities. Someone was residing at the residence. I am positive I called to disconnect service.
JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
My complaint to XXXX about Bank Of America/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Bank of America/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes
Your reply to the consumer affair has nothing to do with what I am referring to. In XXXX and XXXX fraudulent charges where made which followed to XXXX. You guys have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XXXX there were a lot of charges made on that month you charged me for. the money you said i owed for XXXX, I did not owe. You owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XXXX because you didnt know what I owed for XXXX. I had fraudulent charges in which you agreed to in your investigation. you guys are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what you we has nothing to do with my dispute.
In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?
XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XX/XX/XXXX and XX/XX/XXXX, they were reporting my collection as if it was a revolving account and adding XXXX late notes. Every time I have disputed this information, the CRA removes my information for about a week, then re-adds it later with new dates, making it appear that I have had multiple delinquencies this year. This false information has caused irreparable damage to my credit score and I am asking that the CRA removes this tradeline from my report due to repeated use of false information.
old debt I could n't pay due to death in family debt is past statue of limitations, a new debtor brought the debt and is trying to reopen the claim
Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!
I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.
Dear God, please do something about Ditech. I had XXXX mortgages sold to them by XXXX and Greentree. Half the time, Ditech 's website does not work. For a long time I had to pay THEM a fee to make an online payment. More often than not the website does not work. I never chose to do business with Ditech and XXXX different lenders/servicers sold my loan to this nightmare organization and there is absolutely no accountability. Rude and incompetent when Ditech is contacted. What a nightmare. Does n't seem to have changed after horse-racing XXXX XXXX was driven from the company after criminal behavior of its leadership.