WillisBack/dataset-financial-user-claim huggingface dataset:
Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, Equifax and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XX/XX/XXXX at XXXX, Equifax on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from Equifax and XXXX. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXs ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  XXXX
all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by AFNI, Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
FURNISHED NEGATIVE REPORTS TO MY CREDIT PROFILE WITH OUT WRITTEN VIOLATING FDCPA PROVISIONS.
New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.
LOST MY JOB, ALERTED THEM I WOULD MAKE PAYEMNTS AS SOON AS I FOUND WORK, THEY ARE UNWILLING TO LISTEN/BELIEVE ME. PHONE CALLS ARE NON STOP.
I contacted Citibank via their online chat function in mid XX/XX/XXXX 2017 to request instructions to send funds to my checking account via wire transfer. The online representative gave me details, including the bank details for the transfer. I gave these instructions to the company that was wiring me funds - over {$21000.00}. When the wire was sent on XX/XX/XXXX, it was credited to my credit card with Citibank, not my checking account. I used the instructions Citibank gave me which they said were for checking but it turns out they were for credit card. I have attached a copy of the credit card statement showing the wire payment. I contacted Citibank several times to try and resolve the error with no progress. I escalated the situation and agreed with a supervisor at Citibank on a recorded line that {$15000.00} of the {$21000.00} that was sent would be returned to my Citi checking account right away. The remainder would remain to pay down part of the credit card balance. I provided the supervisor with the Citi checking account number and phone number to reach me right away if there were any further issues. This credit did not appear so I contacted Citibank again. I was told on 2 different occasions that the transfer had been processed on XX/XX/XXXX and I would see the credit in 8-10 business days. No one called me despite having been told they would call if there were issues. On the XX/XX/XXXX when no funds had been deposited, I contacted Citibank again. I was told this was being reviewed and they could offer no further assistance. The funds were deposited into the credit card account because Citibank 's representative gave me the wrong information in the first place. I need the agreed upon $ XXXX deposited back into my checking account as agreed with Citibank at the beginning of XX/XX/XXXX. It is totally unacceptable that they have misappropriated my money and refused to rectify the situation. I will cancel my credit card relationship with Citi as a result but I need the banking transaction corrected first.
I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ca n't be verified i want it to be removed from all XXXX credit reporting companies, transunion, XXXX, and XXXX.
On XX/XX/2018 I was notified by Chase that a charge of {$120.00} ( approx. ) for XXXX XXXX was attempted on my account but it was not authorized by Chase. Another charge on XXXX XXXX for {$330.00} was allowed and posted to my account. Chase asked if I made this charge and I responded that I didn't. A fraud report was submitted. 

In XXXX I was informed that Chase determined that I was responsible for this charge. I requested a repeat review of the charge. 

The charge was made by phone for a ticket from XXXX XXXXXXXX to XXXX XXXX. 

Chase requested that I prove my whereabouts on that day. I submitted a copy of my time sheet proving that I was at work in South Carolina until XXXX XXXX that day. 

On XX/XX/2018 Chase sent a letter that again determined that I was responsible for the charge. When I called them I was told by an agent named XXXX that one of the factors that led to their decision was the fact that I was in Florida in XXXX. I was in XXXX Florida from XX/XX/XXXX to XX/XX/XXXX. I took XXXX from XXXX to XXXX. 

Again, i was asked to submit my information regarding this dispute. I had to email it to a supervisor named XXXX XXXX ( XXXX ) because XXXX was not allowed to receive emails. 

It is quite obvious that the fraud department of Chase did not even call XXXX XXXX to get details because when I spoke to the airline representative he told me that the ticket was never used! And yet Chase made me prove my whereabouts and made a determination based on my being in Florida in XXXX! Their reasoning is illogical. 

Also, according to the letter of XX/XX/2018 the transaction was posted on XX/XX/2018. As you can see from my statement it was posted on XX/XX/2018- a minor discrepancy, but one that adds further fuel to the fact that the Chase fraud department is ineffective, incompetent, and possibly complicit in fraudulent charges. 

Note : This charge was accrued under the name of the joint account holder
My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( XX/XX/XXXX - XX/XX/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( {$470000.00} ) mortgage AND an additional {$300000.00} line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit within a few days of closing on the mortgage ; however, she was insistent that we had to close on the mortgage first. After we closed on the mortgage with Bank of the West, the line of credit stalled. We asked for answers on its progress for over a month before ultimately being denied the line of credit. We feel that we were misled into purchasing Bank of the West 's mortgage loan product under the assumption that approval for a line of credit was imminent. Had we known before closing on the mortgage that we would be denied the line of credit, we would not have closed on the mortgage. Instead, we would have continued shopping for a mortgage/line of credit product that better suited our needs. We feel that Bank of the West was only in the game to secure our mortgage and once that was done, the door was slammed in our face. Very, very misleading and frustrating. Now we are stuck with a mortgage that is only one part of what we were promised. We also feel that the underwriters at Bank of the West have differing and waivering standards among themselves that are not consistently applied or communicated with the mortgage loan officers and the customers. In the underwriter 's explanation for declining the line of credit, not all of the reasons given were sound and logical, and the explanation added layers of risk that were based on assumptions that could have been addressed if the underwriters had asked for clarification.
On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.
I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.
I closed my accounts after having a card for 10 months, my credit limit was {$500000.00}. 
The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. 
Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review, I received a letter of denial and the reason for denial : The request was judgmentally reviewed and denied for the following reason ( s ) POOR PAYMENT HISTORY WITH CREDIT PROGRAM I have documents of payment history and I never paid minimum payment, I always paid more and they even increased my credit limit to {$7000.00}! 
The credit department is treating me unfairly and my credit is excellent.
We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.
I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX
My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.
This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.
Over the last several moths I have had three disputes on Amazon refunds on returns for my Amazon Store Credit Card with Synchrony Bank. I returned three items with confirmation from  Amazon  and my refund was taken out of from my card leaving a deficit. Synchrony Bank said they were working on the problem so I paid off the card. After months of Synchrony Bank sending me forms requesting information I already sent to them they closed my account. I sent the the information they requested on three separate occasions as they requested. Synchrony Bank would close the disputes each time without consultation to the consumer.
I have been dealing with XXXX XXXX for a few years on a debt that was not mine. I have mailed them certified letters, I have advised them to cease calling me, I have even tried to pay the debt to get it off of my credit report just to end the calls. I have also noted that they change the date of the debt to keep it current on your credit report to dodge the FDCPA protections.
ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..