WillisBack/dataset-financial-user-claim huggingface dataset:
I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.
There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.
I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.
Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX
A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX   guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. 

Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. 

It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.
Wells Fargo lied to me about previous deposit and credit card accounts that were opened in my name prior to me opening an account. Then after opening deposit and credit accounts allowed the fraud to continue ruining my credit and leaving me destitute. 
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. XXXX XXXX and Equifax refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.
I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.
I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.
XXXX show up on my credit history ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry
I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..
Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX
In XXXX XXXX, I purchased a {$1200.00} vacuum from XXXX XXXX in XXXX. XXXX XXXX XXXXXXXX, Home Design Division financed it with a 24 -month zero interest promotion and gave me a monthly payment of {$25.00} which I assumed was the correct amount needed for pay off. However, the monthly payment to get zero interest promotion was {$49.00}. which, of course, we could have paid. 

I 'm a senior and I do all banking and payments online, so I was never late. Synchrony failed to inform me by email that the promotion was expiring, as PayPal does. Suddenly in XXXX XXXX, {$790.00} in interest was added to my balance. So, for a {$1200.00} item I now owe {$1100.00}! The interest abuse comes in two forms. Usually, when a promotion ends, you start paying interest at that time on the next statement. They added two years of back interest onto my bill. Secondly, the interest rate is 29 %, so my now $ XXXX  monthly payment has {$30.00} in interest charged. The statements on their website can only be viewed. No link to download them. 

Once I realized this had happened, I contacted XXXX XXXX three times speaking not only to customer overseas service reps but also to U.S. based managers. No one would help me. I called XXXX at XXXX XXXX who was appalled. She gave me her merchant telephone number, but it was the same one I had. I tried to file a " concern '' at the bank website, but the concern field always was always " invalid. '' There is no number for a corporate customer relations representative at Synchrony headquarters in Utah. I hope you can help me. I dont know where else to turn.
I have re-applied for a Barclays Bank, L.L. Bean credit card, twice. I was told, that their records indicate I had a previous credit card with Barclays Bank Delaware that experienced charge off, bankruptcy, severe delinquency or other negative performance. In XXXX, I bought a new home that had a large mortgage. At that time I had several open credit cards, with L.L. Bean, XXXX XXXX and XXXX. These companies cancelled their credit cards with me and upon inquiring, I was told because of my current credit status, it was decided they were cancelling my cards with them. I now have a good credit rating. Because I continue to purchase at L.L. Bean, they are trying to promote their credit card and asking everyone to apply when you make a purchase. The notification I am receiving from them states, a credit bureau report was not used making this determination. I have asked them to look at my credit report, which they did but again I received another letter stating, we are unable to approve you for a L.L. Bean card.
XXXX is the creator of my current mortgage problem by giving my loan to SLS. 
The closing of my employer is also they cause of my financial problem right now. 
XX/XX/2008 I had a chapter XXXX bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the XXXX was caused me it had a big tole on my health and I have XXXX and worring about my home is a big contribution to my XXXX I do n't want me and my family become home less but SLS is preparing that for us. 
SLS have such terrible rating that this is how they take peoples home refuse to help I am not allowing them to take my home period I need help now SLS is out of line
My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS.
I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.
XX/XX/2018 I was contacted by a company named XXXX XXXX XXXX is XXXX XXXX a part of XXXX XXXX XXXX informing me that they where calling to collect on rent that was owed to my previous apartment complex in the amount of about {$1100.00}.

I informed multiple employees over the phone that my rent was paid on time and I had multiple forms of receipts and payment confirmations for the months in question Available upon request.

I was told the person whose job it was to check the emails for claims was not at work at the time. And was told Id receive a back.

XX/XX/XXXX I contacted them after not hearing back. I was told I needed to resend my payment confirmation emails because they where not able to find it due to a typo in the subject line. I did so and have not heard back sense I am worried that this is not resolved and my information might be given to another debt buyer soon.
My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.
OCWEN HAS CONSTANTLY REPORTED MY ACCOUNT BALANCE INACCURATE EACH MONTH ON MY CREDIT REPORT I DO BELIEVE THAT THIS IS DISCRIMINATION AND A RACIAL INTENT TO HINDER MY SCORE. I PAY MY MORTGAGE ON TIME EACH MONTH I HAVE CONSTANTLY REACH OUT TO THIS COMPANY TO HAVE MY LOAN INTEREST RATE REDUCED RATE IS 12.4 PERCENT WHICH IS CRAZY AND THEY CONSTANTLY STATE THAT THEIR IS NOTHING THAT CAN BE DONE./ THIS COMPANY IS A PREDATORY LENDING COMPANY AND SOMETHING NEEDS TO BE DONE. THEY CONSTANTLY DO AS THEY PLEASE WITH REPORTING INACCURATE INFORMATION AND USING RACIAL DISCRIMINATION FOR THEIR OWN FINANCIAL GAIN. I HAVE REACHED OUT TO THE COMPANY AND THE OMBUDSMAN AND STILL HAVE NOT RECEIVED A RESPONSE
Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX