WillisBack/dataset-financial-user-claim huggingface dataset:
Experian, XXXX, and XXXX were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Hi, My name is XXXX XXXX and have been a customer at Chase Bank for the past nine years.My checking number XXXX. Last XX/XX/XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cellphone. 
The concerned pay check in discussion is check Number XXXX maker XXXX bank for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cellphone. 
In the month of XXXX XX/XX/XXXX, I found that {$1800.00} had been cut from my Chase bank account. After inquiring with Chase bank officials, I learnt that the above mentioned pay check was submitted at a XXXX XXXX branch on XXXX. I tried to speak to XXXX XXXX but chase bank manger they said they could not do anything since I was not their customer. I testify here, as I repeatedly told Chase bank, that I never used or made use of any other party to submit the pay check at XXXX XXXX. 

I called and met in person with Chase bank officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. They kept talking to me as if I am the culprit in this scenario. I have been a loyal customer all these years and have used the pay by cellphone - remote pay check deposit option - all these years. I consider myself to have been cheated by theft and later by non-cooperation by my own bank. One, XXXX XXXX issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Second, Chase bank cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. I am considering closing all accounts with Chase bank, and also i want my money back {$1800.00} as soon as possible. 

I do not think any hard earning person who pays their taxes regularly ought to be treated this way. I appeal to the bank officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities and legal procedures. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
TRIED TO PURCHASE A DITECH FINANCIAL FORECLOSED HOME FOR CASH. WE OFFERED {$24000.00} AND THEIR AGENT, XXXX XXXX SAID THEY WOULD TAKE IT BECAUSE THE HOME WAS STRIPPED AND BEEN ON THE MARKET FOR 4 1/2 YEARS. HE SAID THEY WOULD TAKE ALMOST ANY OFFER. THIS WENT ON FOR TWO MONTHS, BUT WE NEVER GOT AN ANSWER. TWO DAYS BEFORE CLOSING, XXXX SAID DITECH WOULD HAVE TO HAVE {$35000.00} OR WE COULDN'T CLOSE. THIS WAS AFTER TWO MONTHS OF XXXX TELLING US DITECH WOULD TAKE THE OFFER.HE NEVER IN TWO MONTHS WAVERED ON THE {$24000.00}, BUT HE ALSO NEVER SUBMITTED OUR OFFER TO HIS BOSSES. 
HIS BOSS SAID THEY NEEDED {$45000.00}, BUT CALLED TWO DAYS LATER WITH THE {$35000.00} PRICE. THIS WAS ALL AFTER WE WERE SUPPOSE TO CLOSE A WEEK EARLIER AT {$24000.00}. TREATED US LIKE WE WERE THE ENEMY. VERY RUDE ON PHONE. THEY FINALLY ARRIVED AT {$35000.00}, WHICH DIDN'T LEAVE US ENOUGH TO FINISH THE HOME. 
MY WIFE AND I GOT PHYSICALLY SICK OVER THIS WHOLE ORDEAL. WE DON'T WANT ANYTHING EXCEPT OUR {$11000.00} DIFFERENCE. DITECH FINANCIAL IS  FRAUDULENT AND VERY DISHONEST. SEVERAL LAWSUITS HAVE BEEN WON AGAINST THEM. THE FEDERAL TRADE COMMISSION HAS FINED THEM MILLIONS OF DOLLARS FOR UNLAWFUL AND UNFAIR PRACTICES. THERE ARE 63 LAWSUITS PENDING AT THIS TIME. SOMEONE NEEDS TO HOLD THEM ACCOUNTABLE. TRYING TO DECIDE WHETHER TO FILE A LAWSUIT OR NOT. DON'T HAVE ANY MONEY TO HIRE AN ATTORNEY.
I have disputed said debt via certified mail returned receipt. The company has not validated said debt and proved they are authorized. 
Although they ave provided copies of statements it does not prove that this account belongs to me. they have also provided generic terms and conditions from website, but it does not state an account number, name or balance or reference the alleged debt nor any written authorization to me. 

They also have provided a generic copy of bill of sale. The bill of sale does not provide an account or reference to the alleged debt. Therefore, I reject this information as valid proof of alleged debt. 

I have disputed this alleged debt on several occasions with them and their associates and known associates by way of certified mail, returned receipt. I have requested complete and accurate validation of the alleged debt under the FDCPA 15 U.S.C. 1692 et seq. ( see attached ) Although I continue to dispute this debt you continue to report collection activity and negative credit reporting in relation to this debt and you are in violation of the FDCPA Section 809 ( b ) and the FCRA. 

I have asked them to correct this immediately and I have considered to pursue legal action against them, including but not limited to violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, and Fraud.
For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself.
These following two accounts are not mines due to the fact that the orginal contract was cancelled immediately after the orginal creditor cancelled it. I do not have a contractual obligation with, ( 1 ) XXXX XXXX XXXX, and these dates I have no knowledge ofXX/XX/XXXX,XX/XX/XXXX, {$130.00}, {$350.00},, and in accordance with the FCRA law I'm requesting physical documentation of the above accounts, if not these accounts shall be removed.
On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.
Capital one closed my credit card because they stated the payments were inconsistent, but my credit is reporting that there has never been a late payment.
Trying to remove hard inquires from my credit report with Experian as i do not have any obligation or any line of credit or services from some of the inquires on my report. Have contacted all three credit bureaus about these hard inquires on my report and they wo n't budge or remove any of them. i just want to remove the inquires that i have no financial obligations to. Also they have a public record on my report which i have found out that the court does not share this information with the credit bureaus and should not be a part of my credit report either have try calling to have removed and told they can not be removed which i found out to be not the truth. also they have a XXXX listed on my report that should also be removed have n't had a XXXX in over 14 years
My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.
Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
On XXXX XXXX XXXX, I received a letter from XXXX, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a Bank of America agent. We informed both the Bank of America and XXXX that we did not have a Bank of America card, neither did we ever give permission for this collection agent to enter our account. XXXX has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XX/XX/XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX XXXX Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX Bank of America ( # XXXX. Since I was unable to submit the actions of Bank of America 's relative to the collection agency XXXX I am submitting a second request. Although Bank of America has withdrawn itself from my credit reports, Bank of America has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been XXXX -- including XXXX. I thought I had excellent credit only to find out someone had stolen my identity.
See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.
I applied for refinancing with Loan Depot and after considerable discussions of numbers, agreed to accept their refinancing offer to consolidate my first and second mortgages. The loan was closed on XX/XX/2018. My Truth in Lending Statement listed all appropriate charges including a shortfall in my escrow account with my primary mortgage holder. I did not resend the loan within the three day window available to me. On XXXX the XXXX I received a phone call from XXXX XXXX with Loan Depot saying that their closing documents were incorrect and demanded an additional {$1900.00} from me. XXXX was threatening telling me that I need to beg, borrow or charge the amount he said was outstanding if I did not pay this amount of money he threatened to " UNWIND '' the transaction in its entirety. When I asked him what exactly " UNWIND '' meant, he said he would go talk with his supervisor. I waited for his return call and ended up having to call him again today XX/XX/18. He advised me that his supervisor said that they would begin unwinding the transaction. I have checked with my second mortgage holder and the loan has been paid in full. In addition there were credit cards and other debt that was paid off with the proceeds. My primary has not been paid, is now delinquent and incurring late charges.
I advised the company that I believe that I was let go from a job because they were calling me, I was employed with XXXX XXXX XXXX XXXX and I was a XXXX XXXX, on XX/XX/XXXX, my supervisor was at my desk speaking to me and my cell phone rang and XXXX XXXX XXXX appeared on the screen, not only did they call once they called 3xs, the first call was XXXX, then XXXX and then again at XXXX. I felt harassed I was fully aware of this debt but was work at the time. At the end of my shift with no warning, no previous complaints or write ups, they told me I was let go that same day. I truly feel it had something to do with these calls and also they called again like this on XX/XX/XXXX once at XXXX and then again atXXXX, then on XX/XX/XXXX I was on the phone with an agent at XXXX and they were calling on the other line at XXXX. I am fully aware that I owe this debt and want to do so but that has now become difficult with no income. No one should be called like this. On XX/XX/XXXX, I spoke to someone in the President Office ( XXXX ) advising her of my complaints and request and she asked that I give her until XX/XX/XXXX to follow up with me, and between that time I received another collection call on XXXX/XXXX/XXXX and another call on Sunday XX/XX/XXXX. I called the office on XX/XX/XXXX and they stated that she ( XXXX ) was unavailable in a meeting I spoke to a XXXX and that she read XXXX notes and said they reviewed this and that I signed a contract giving them permission to contact me at this number ( XXXX ) XXXX I advised to her I did give them permission to contact me at this number but not harass me and to me repeated calls within a five minute period is harassment, she also advised me the vehicle was placed out for repossession on XX/XX/XXXX, before she would even get back to me and give the results of her finding or give me the option to make a payment before repossession.
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, Transunion and XXXX ). All the 4 collection accounts where deleted by XXXX but Trans Union and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( Trans Union and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record until XX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XX/XX/XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX, I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday XXXX, XX/XX/XXXX and Monday XXXX, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
For the second month in a row, on XX/XX/XXXX, Bank of America has cancelled my online payments for two of my credit cards right before the XXXX XXXX XXXX and right before my payments were due. This time I caught it in time before they could charge me a late fee and interest, which they did the previous month. They have been randomly engaging in this behavior I believe to generate additional fees and interest. I have tried to address this on XX/XX/XXXX with their 1-800 number but only to get endless run around, I also visited the XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this, only to have the Assistant Manager accused me of wrongdoing.
XX/XX/2017    Bank of America Complaint with CFPB I talked with  2 re presentitives with bank of america on the date shown above. I have a credit card with the company. I am currently going through an economic hardship. I informed the representitive initially that at points in time i was having trouble with basic living expenses. I was informed that Bank of America was not able to do anything for me. I asked to speak with a supervisor named  XXXX  at BOFA. He asked about my income and asked me if i was able to afford basic living expenses. Isnt it embarrassing enough having to tell a complete stranger your struggling putting food on the table. He informed me he was unable to set up a payment program with me and informed me that I should miss my payment on my credit card so I could buy food. You would think, logically, that if a person was struggling so bad and had a hard time paying for basic living expenses that BOFA could have helped in anyway. You know what the answer was? NO. They told me to skip my payment, get a late fee, and  XXXX  up my credit so i could buy food. They didnt do a  XXXX  thing for me. They dont give a  XXXX  about their customers. They dont care about their customers well-being. They dont understand what struggle is. All they know is how to literally  XXXX  people with interest and fees. They didnt help me at all. The policy they have at BOFA is horrible. Once I pay off this credit card with them i am never doing business with them again. I wanted to inform the CFPB of this matter because if someone is going through a struggle and BOFA knows you are having trouble paying for living expenses, they wont help with any payment options. They will literally tell you, *sorry there 's nothing I can do f or you. * T hanks a lot Bank of America for nothing.