WillisBack/dataset-financial-user-claim huggingface dataset:
This account with XXXX XXXX, acct # XXXX is not my account. I believe this account belongs to my son, because- I have a son who is a XXXX with my same complete name. The company states this was submitted in my sons name and that the credit bureau put this in my name.
On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him.
We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.
I am filing this complaint today because of invalid information reported on my credit report. 'XXXX  XXXX/ XXXX XXXX ' of XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX  monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX   monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.
It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX inaccurate XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} not mine XXXX XXXX   XXXX XXXX XX/XX/XXXX {$650.00} not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX {$320.00} not mine XXXX XX/XX/XXXX {$9600.00} not mine XXXX XX/XX/XXXX {$5000.00} not mine XXXX XX/XX/XXXX {$3100.00} not mine XXXX XX/XX/XXXX {$160.00} not mine XXXX XXXX XX/XX/XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} not mine
Citibank advertised a non-targeted promotion of opening an account package ( checking and saving ) with required activities ( see attached photo ) to obtain a {$400.00} cash bonus. On XX/XX/2018, I opened the account package in Citibank XXXX XXXX XXXX XXXX with a banker ( XXXX? not sure about his last name ). On XX/XX/XXXX, I completed all required activities ( make a deposit of {$15000.00} new money and maintain it for 60 days ). Citibank said the bonus will be paid in 90 days, which was expected on XX/XX/XXXX. However, it was not received. So I went to the same branch on XX/XX/XXXX and was told that XXXX has left the branch. Another banker XXXX XXXX filed a case and told me the bonus will be received in 14 days. Nonetheless, I still have not received the bonus so far.
Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding.
Equifax you stated verified XXXX to CFPB report so I filed another dispute on XX/XX/2018 but on XX/XX/XXXX andXX/XX/2018 You reported account removed from credit report BUT still showing on report as of XX/XX/2018 CFPB case # XXXX  you state to the CFPB on XX/XX/2018Account # XX/XX/7318 was DELETED from credit report enclosed is the documentation of the statements .lets settle this once and for all remove this account from my credit report now Forever as stated in documents enclosed so I can Close these dispute with you, Also please tell how my score dropped another38 points when it states no change on your documents
Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX  XXXX XX/XX/XXXX Loan # XXXX - Santander Bank Dear Sir or Madam, I have contacted Santander and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to Santander and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by Santander states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the Santander Bank NA formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position.
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Please inform XXXX, XXXX, of this change. XXXX has already complied with my request. Many thanks for your help.
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Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
I was trying to open an account with United bank and they declined me because of early warning services or XXXX. Even with that, I sent them my identity theft report in which someone opened XXXX accounts using my name and information. None of which are mine. Despite explaining this, I was denied a new account.
Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

Sincerely, XXXX XXXX
Bank of America has consistently being trying to charge me overdraft charges even when my account is not overdrawn. Mostly, when my account falls below {$25.00} they would charge me {$35.00} to ensure I have a negative credit. They then give me 5 days to bring my account to positive, failure to which they charge me another {$35.00}. 

This trend has resulted into some of my genuine payments being declined when they should n't. 

In XXXX, I noticed this and had one charge rescinded. On XXXX/XXXX/XXXX, the updated statement showed that I was charged {$35.00} overdraft fee even when my account balance was {$15.00}. This resulted in a negative balance of {$19.00}. I have screenshots of my account to back up my assertion. 

There have been many instances like this that I have allowed to go through because I did n't have time to argue out my case. I wonder how many people are being swindled in a similar way.
I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank You
Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated as paid in full. I am requesting to please remove from the credit profile.
I am currently transitioning out of an abusive relationship so I have stayed in a couple hotels. 
The hotels I stayed placed an incidental hold on my card at the time of check in and released the hold at the time of check out. 
These are the only funds I have at this time due to my situation and XXXX is making it impossible for me to access the funds until over a month from the date of the hold. When I originally called they stated that all I would need is a Merchant Release Letter from the Hotels, which I was able to coordinate and the document was sent to the email address XXXX  provided to have funds released. Since this has happened I have had no luck accessing my funds, everytime I call they ask me the same questions what email it was sent from and the date and time they continue to tell me they have not recieved it and to call back in 24 to 48 hours. I have had the hotels resend the documents and I still have no success. No one at XXXX  can give me any more information. 
The 1st transaction was on XX/XX/2018 and they say it won't be released until XX/XX/2018 even though the hotel has sent the MRL. 
The second transaction was on XX/XX/2018 and they say it won't be avaiable until XX/XX/2018 even though the hotel has sent the MRL. 
I have explained my situation so many times to the representatives and their supervisors and I am getting nowhere. I am very fruatrated as I don't have any othet form of funds right now.
On XX/XX/19 XXXX XXXX at Ally Financial advised me to pay off {$10000.00} worth of debt. I advised him that if I did this then I would not have {$21000.00} in my bank account, XXXX then said we could lower the down payment to {$6500.00} and this would fix the issue. I advised XXXX this was all the money I had to work with, and he assured me this would fix this issue. So under the advice of XXXX, I paid off {$10000.00} worth of debts. There was no issue until XX/XX/19 when XXXX called and told me that underwriting needed more money in my banking accounts. When I advised him this was the exact thing we talked about, and theres no way Im going to cash in my stocks and lose money when this was never the agreement we made. I told XXXX we are going to leave this bank, and I wanted to speak with his manager, XXXX assured me his supervisor would contact me the next day, which did not happen.
For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!
I have had a Chase Mortgage without an escrow account for fifteen years. Through a series of miscommunications Chase set up an escrow for tax payments with my town of XXXX, MA XXXX which I have paid. to. Chase claims that the Tax Dept. reported my account late while town of XXXX says that they do not report late payments. Chase has set up an escrow which after numerous communications Chase has closed with a balance of $ XXXX. The town of XXXX has {$700.00} in prepaid tax payments which I have asked Chase to repay to escrow on XX/XX/23 to reduce escrow which I want to pay off. After numerous communications with Chase Bank and attempts to reach my " relationship manager '' I can not find out whether Chase has gotten the {$700.00} tax payment back into pay down on escrow. This has been going on for three months. I have requested that Chase get the money from XXXX XXXX ( the treasurer has said that he would expedite the process once he received the Chase request ). I have had no response from my " relationship manager '' XXXX XXXX XXXX XXXX XXXX.
I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.