WillisBack/dataset-financial-user-claim huggingface dataset:
The loan originator shared my confidential data, including the value of my investment accounts, to my realtor who is an external party that referred me to this loan originator. Consent was not provided to share my financial information outside the mortgage company.
Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status, statement, and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs.
I was cheated by BB & T and the BBB could not handle the case and I am asking your help. 
My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help.
12 years ago, I opened a student bank account with my mother and father. 7 years ago, I found out that they had judgments against them ; therefore, I went to my local branch, told them my problem, and was told that by changing my account that their names would be taken off of it, and I would not have their problems follow me. XX/XX/2018, I look at my bank account, and find out that it has been garnished. I call Bank of America,  and they tell me that my parents names are on my account. I try to ask for more information about this - given the statement about 7 years ago -, but the only thing I've been given is a number for XXXX. XXXX is extremely unhelpful in giving any information to either my mother or father about the garnishment, and their only motive is collecting on whatever debts they have. I've tried contacting Bank of America several times to  learn more about this garnishment, but each time, an associate refuses to give me any information. I get another account with Bank of America so that I can try to protect any future money ; however, I just received a letter in the mail saying that I'm going to be charged a processing fee of {$500.00} due to this garnishment, which I am not allowed to know anything about. I call Bank of America again today, and ask them if Bank of America is going to seize my new account to pay this. I find out that yes my new bank account can be seized for this secret garnishment, and any future bank accounts I get with whichever bank can be seized by my parents ' creditors due to a law called " right to settle '' which now forever ties me to this garnishment of my account. 

Bank of America has acted negligently with me as their customer by not ending my account 7 years ago when I had asked them to, and thus placed me in danger. Now while I'm trying to speak with them more to try to understand the danger that they've placed me in, they are refusing to help me in any way.
to much to tell bottom line I gave my ex wife marital home threw divorse XXXX years later I filed bankruptcy my ex let the home go back to bank they hurrase me with filing loss with my old homeowners ins in my name documents keep coming a lot more need help and to file a federal suite against bac home loans
About a month ago I requested to change the address for a credit card in my name that is for a XXXX XXXX that I serve on its XXXX. I was initially told that it could not be done without another XXXX members okay. I subsequently found out that the address for the credit card statement was in fact changed however to my personal address. When I attempted to fix this I was again told that I could not accomplish this without another Board members okay. However within an hour of this as I was directing another XXXX member to assist me in this change I received an alert that all of my personal account documents were going to be forwarded to the XXXX XXXX that is in another state. I immediately contacted another bank representative and was told at the conclusion of my conversation that all was corrected. A day later I received another notification that my personal credit card statement was to be forwarded to the XXXX XXXX. Because of the continued incompetence of the bank representatives via telephone conversations I decided to visit my local bank representative and at that time she corrected all the previous mistakes. 
My concern in this situation was that had I not kept on top of this my personal banking and credit card documents would have been accessible by someone that I did not provide access. 
My initial conversation occurred in XX/XX/2018. My subsequent conversations were on XX/XX/XXXX and XX/XX/XXXX. I visited the bank personally on XX/XX/XXXX. On XX/XX/2018 I was contacted by an executive with the bank and I reiterated all that I have mentioned above. When I asked what would be done I was told that they would investigate and take necessary action. I then asked that a letter be sent to me describing what was done and to acknowledge our conversation and was told that the bank would not do that. 
The bank is Wells Fargo.
In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.
Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.
I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. XXXX
I have been receiving calls from Girvin & Ferlazzo, PC within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Affidavits Attached XXXX XX/XX/XXXX-XX/XX/XXXX v. XXXX  XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and XXXX, and Equifax in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX : XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX  report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
I saw on my report that they have an address for me of XXXX. I have never lived at or near that address.
I disputed the tax liens that 's on my file on  3  different occasions as being incorrect asking for verification and validation. Equifax told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to Equifax and  XXXX  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file.  XXXX  have not responded ( even though its been over 30 days  )  and Equifax stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.
Im a retired teacher with multiple XXXX that affect focus memory and cognitive activities. I receive accidental XXXX pension paid at end of month. Citizen Bank every month there is an overdraft at beginning of month so they collect fees all month. Every month I loose up to a quarter of my pension to fees. There appears to be a pattern of payments that are scheduled for first of month not posting to up to two weeks later. Even when I dont use account debits occur. Last month I had {$900.00} on Friday when I went into hospital and a XXXX XXXX overdraft when I got out. In past three years they have taken over {$4000.00} in fees.
This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.
I keep getting calls from Diversified Consultants Inc. the calls are being made via their auto-dialer system. when i answer the call it says " please hold for the next available representative '' after waiting 10 seconds i hang up. finally i got frustrated on XXXX/XXXX/16 and called back, a rep answered and i asked him to cease and desist all calls and all future communication should be via mail. the rep interrupted me and said " i already removed your number '' and hung up on me. i called back and asked for a supervisor, guy came on the line and ID himself as a supervisor. i told him about his rep 's actions and wanted him to file a complaint. he barley acknowledged my complaint and proceeded to try and collect the debt! then he tried to coerce me into disputing the debt by saying that 's the only way we can stop collections activity against me. i tried to reason with him and told him i have worked in collections for 10+ years and i know FDCPA policy and CFPB policies. you think that would have slowed him down a bit. it did n't! i tried to explain the debt was placed in error but he continued to tell me it was n't and it was a valid debt. i tried to warn him about his company 's auto dialer system is calling my cell phone and probably others and the risk involved with calling cell phones. he was n't interested. he either wanted to collect the debt or coerce me into disputing the debt after i already told him i am not disputing the debt the debt
I would like to file and official complaint towards Equifax in lieu of the recent personal data leak.Equifax was responsible for personal identiy information due to blatant negligence to protect that information via proper security measures like encryption and etc. For a company with so much power and personal data on all of us, they sure did take it lightly.
several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

Experian business credit XX/XX/XXXX unrecognized inquiry XXXX credit/XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXXunrecognized plus none account holding inquiry XXXX XXXXXX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXXXX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX/XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed
I opened escrow with PennyMAC XX/XX/18 for a refinance loan on my home in California. Their loan department and underwriting team failed to deliver services in a timely manner. Escrow was suppose to close on XX/XX/18, but the loan XXXX dropped the ball on handling my documents. There locked rate expired on XX/XX/18. No one communicated with me whether the documents were submitted for an extension of the lock rate was submitted. The underwriting department complained I had a 6 month gap of employment because of a sabbatical I took to finish my XXXX XXXX. The communication between PennyMac loan department and consumers was horrible. No one returned calls that were made the week of XXXX XXXX. I ask to speak to a supervisor, but never received a call until XX/XX/18, a week later. XXXX the sales manger called me yesterday to go over the details of my loan. He was poorly prepared for the conversation and said I did not have enough income for the loan to be funded. I stated do yo have the right file, because I make over {$200000.00} a year and my debt to ration is only 29.5 %. I feel something is very wrong with how this loan was handled. No written communication was given to me and no resolution was made thus far.
Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
I have a mortgage with Chase for an investment property. When I obtained the mortgage, I was being charged a PMI. Since XX/XX/2016, the value of the investment property has appreciated and the flooring in the bedroom has been replaced as well as the painting. 

Per my mortgage documents, I can request PMI cancellation upon the LTV falling below 78 %. When I Inquired Chase on this matter, they indicated that I can only request PMI cancellation when LTV falls below 65 %. This goes against my mortgage documents. I would like help resolving this matter. 

Kind regards XXXX XXXX
On Monday XX/XX/XXXX, I contacted Investment Retrievers Inc. to let them know that the debt which is showing 'open and past due ' was included in my XX/XX/XXXX ch.XXXX discharged bk. I spoke with a cs rep. who was not able to assist me. I was forwarded to a supervisor who never answered the phone. On XX/XX/XXXX I left a vm explaining what my issue was. My call was never returned. I called the following day and left another vm. The call was never returned. This discharged debt is being reported by all 3 credit bureaus as open and late.
On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.