WillisBack/dataset-financial-user-claim huggingface dataset:
Attached please find the paper trail with numerous FCRA violations from both XXXX AND Equifax Credit Bureau 1.XX/XX/2016 Sent a letter to XXXX to validate a XXXX loan, receipt dated XX/XX/XXXX. No response. 
2.XX/XX/2016 Pulled Credit Reports, none marked disputed within 30 days per FCRA requirement. 
3.XX/XX/2016 delivered another letter to XXXX to delete negative credit info since validation of information was not received or dispute marked on Credit Bureau within XXXX days. Received Nothing in response. 
4. XX/XX/2016 Disputed information online to Equifax via mail to XXXX, XXXX XXXX. XXXX AND XXXX both deleted negative file reporting. 
5. XX/XX/2016 Noted that investigation was not complete after 31 days as required by FCRA. ( Please NOTE Date time stamp of dispute status # XXXX ) XX/XX/2016 Letter to Equifax received requesting Negative Credit Reporting be removed due to non compliance of FCRA. 
Sometime in XX/XX/XXXX a pdf file was available for download stating account had been " verifie '' Account balance updated etc. 
NOT ONCE did I receive any documentation that this account was indeed mine. I had several other student loans never once any from XXXX. I STILL have no proof either from creditor OR Equifax showing this account was MINE or that the reported credit information was reported accurately. The next step is to file suit against BOTH XXXX AND Equifax for multiple FCRA violations. In addition, I understand that XXXX had several violations and a settlement to the government of payments are forthcoming ( Also attached XXXX. IF any is passed to consumer, this would be a valid claim.
Mortgage was XXXX % finished when an appraisal was done. During the appraisal the APPRAISER took many pictures. The appraisal came in at about XXXX against a refinancing of about XXXX. All seemed to be OK. Wells Fargo underwriter then asked about certain work to be finished " bathroom was in the process of being done. The rep said " we ca n't proceed '' unless the work is finished. I feel that Wells Fargo used the appraisal to unleash a Trojan Horse into my house to inspect ( by taking pictures ) as well as appraise. After I paid {$370.00} for this appraisal, it was used against me to negate my mortgage application. During this process, my credit score went from XXXX to XXXX. I was subsequently denied the Mortgage. I have faithfully paid this same note to Wells Fargo for ten to twelve years. I was trying to lower my interest rate from 6.25 to about 4 %. as I am approaching retirement. Wells Fargo constantly bombarded me with solicitations in the last 5 years, but when I finally " took the bait '', I was turned into a sucker. All other criteria were met or exceeded. Now that my score has been lowered, and I have been denied a mortgage by Wells Fargo, I 'm reluctant to re-apply to another company.
I am open this case again because Bank of america kept close the case without give me an answer. 

First : Iam requesting bank of America to provide me the steps and the process that the bank has been taken to protect my money and my account from the fraud as their liability to protect my money. 

second : the bank did not informed me that my account under fraudulent, just the bank and the managers when i called to see why my account freeze they kept told me that the account under hold and investigation they refused to informed me that my account under fraud. 

Third : I have been in FBI XXXX  XX/XX/2017 to  complain that i got fraud and the company scammed me and the bank seized my money. 
An agent on duty the was called the bank trying to help me and explain that iam a victim and under fraud and the FBI Agent asked the staff in the bank in the close account department why you did not recall her money why you did not protect my account the staff replied that the bank will not recall because the money in the danger area. 


please am request bank of america to send me and my lawyer the steps that has been taken to protect my money and to protect my account as a customer and the liability for the bank to protect me. 


why you did not informed me that iam under fraud? 

why when i told you as the bank dont resend the money to XXXX XXXX their are scamming me and i have instruction from them to wired the money, Nobody from the bank hear me or applied to take from me any information to help me. 

Please send me the steps and the action that has been taken from the bank to protect me. 

please dont close the case without send me the steps and the action that has been taken from the bank Thank you
capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance
I been trying to work with " Designed Receivable Solution Inc. '' for the past month and a half. I spoke with a man working there and explain my problem and ask the man why that company was sending negative and false inaccuracy reporting to all three major credit bureau. I was never given a clear explanation why this third party collection agency was reporting bad and false information. I don't owe " DRS '', any money or anything else. This matter was handled/discharge in US BKPT Ct CA XXXX XXXX 2013. Why " DRS '' did what they did was unlawful. I am not obligated to them for anything.
They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR!
Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Experian is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. Experian keeps stating that they verified that these accounts are mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX.
The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX/XXXX XXXX # XXXX  These are not my accounts. I did not authorize these account to be on my credit file.
Unauthorized charges are made on my credit card between XX/XX/XXXX - XX/XX/XXXX. Total 87 transactions of amount ranging {$19.00} to {$36.00} were made for total fraud amount {$2500.00} By looking at transaction pattern it is clear indication of some fraud but bank security could not catch it. 
I noticed these charges in Last week of XX/XX/XXXX and called Union Bank. they promptly disabled the card and sent me new card and disputed charges and charges went away from my balance.

I got letter in mail asking to sign on each disputed charge and fax them back which I did no XX/XX/XXXX. OnXX/XX/XXXXwhen I logged in to my account, I see these charges was place again on my card and when I called them they were having no idea why charges are back on my card and escalated my case somewhere and promised me that someone will call me within 24 hrs. I received no call and having good faith that they are doing investigation and eventually will sort it out shortly. But no luck. I called again on XXXX XXXX  as due date of my balance shows XXXX XXXX. In this call also they could not provide any satisfactory reason and said my case is with XXXX XXXX XXXX and they do not have any contact or email you can contact with them. But someone will contact you soon.

Whole day passed but no one contacted me on phone or email.

When I insisted they provide me that my work case # with them is # XXXX They do not know anything more beyond it.
My husband lost his job on XXXX, XXXX XXXX hit XXXX. I had no work for about two weeks. We put in for extamtion. Bank gave us 90 days but all three payments are due XXXX. They said if we dont have Balance paid off to call and they will figure out something then. Since then they keep sending correspondences saying that I need to contact them and I do every time and they tell me to disregard the messages and my loan is fine. Well last week they sent a person to my home on XXXX at XXXX to hand deliver a letter from my mortgage company. That person took pictures of my home. I call them on XXXX and they tell me that everything is fine and this visit is computer generated and they cant do anything to stop the visits or the letters. I ask them to give me something in writing to verify that my loan is fine and I am told they dont do that. I am worried they are starting to foreclose while lying to me. I live in XXXX County and it was declared a distastser. 
I also made a {$900.00} payment last week and today another letter. 
I have uploaded only some of the correspondences. I did throw away first few letters after speaking with carrington. They told me to disreguard letters they were computer generated so I tossed them. But this is getting scary the amount of mail andalso having someone hand deliver a letter.
Had {$4700.00} taken from my Federal Tax Return, courtesy of the Dept. of Education. When my husband and I tried calling the collection agency to find out if there was any remaining balance, we get transferred from one extension to another, then get hung up on. We are just trying to figure out if we owe any more money so we can get this taken care of. We have not received any communication from anyone except the I.R.S. We have been trying to talk to someone for 2 weeks now and have made no headway. How can someone take my Tax Return and then turn around and hang up on me? This was a student loan that I had long before we were married, and unfortunately went into default. Now we 're stuck losing almost our entire return and with no explanation.
I want to file a formal complaint against Sallie Mae/Navient. When I completed college in 1999, they recommended I consolidate my loans with my husbands loans. They stated it would be better for us. All it did was lock us in at a high interest rate and they would not allow us to refinance or switch to another borrower with a lower rates, I tried several times over the past 15 years. They also recommended we defer our payments in the beginning, tacking on a ton of interest and fees to our loans. They also put all of our loans in my husbands name, not mine. I am a public employee in law enforcement for 15 years and I am eligible for a payback program but they never would allow me to enroll for the payback program due to them putting all my loans in my husbands name. Most of the loans are mine not my husbands. I have contacted them multiple times over the past 15 years and have received no help. The last contact was a few months ago and they said they would get back with me and never did. I have been paying almost {$500.00} a month on my loans for at least 17 years and my balance has barely gone down. I would like someone to investigate them. I am making the payments they say and my balance barely goes down. Where is my money going?
XXXX XXXX Bank is a Fraudulent account that was setup as a result of id theft. I contacted both XXXX XXXX Bank and Equifax to notify them of that and ask they block it under the FCRA Section 605B and 623 ( a ) ( 6 ). Equifax responded it was deleted from my Equifax report, it however has now reappeared on XXXX and is stopping me from getting a home mortgage.
My name is XXXX XXXX. My mother, XXXX XXXX XXXX, was phone scammed. They took her for {$2700.00}. She sent an additional {$1000.00} however, she did get that back. More education of the XXXX needs to be conducted. My mother is XXXX years of age. She has learned her lesson. 

The attached documents show the notes that my mother wrote about who was calling. The next XXXX documents show the Western Union transfers that were cash by the scammers. The next XXXX documents show where she sent the money ( {$1000.00} ) but got it back.
I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. 
I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.
XX/XX/2018 I issued a check with the correct amount in the box but my hand writing according the creditor was not legible enough so they cashed it for the wrong amount upon realizing that my account was past due I corrected it by paying more then the monthly amount what amazed me though was that the company did not try to contact me at all through phone or mail or email at any time. I contacted the company when I realized the report was on my record and my daughters record as she is on the loan as well and they said that they made no mistake and could not help so I reported it to the the various credit bureaus and at least one has come back saying they checked with the creditor and they say its all correct so there is nothing to investigate. Whats the point of having the investigation if there isn't really an investigation.
I became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.
My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.
the following unauthorized inquiry need to be removed : Made by : CAPITAL ONE AUTO FINANCE Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,
On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago.
In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.