WillisBack/dataset-financial-user-claim huggingface dataset:
In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about XXXX.
hello equafax continues to refuse to delete inquiries on my name that i never applied for also they deducted XXXX points off my score for no reason
Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.
On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX. 
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Released tax lien from XXXX County Register of Deeds filed XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX and XXXX County Register of Deeds file XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX. I relocated out of the XXXX on XXXX/XXXX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time Equifax, XXXX and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
For the last 3 weeks Seller and title company have been trying to locate mortgage holder. No one has been able to help us or point us in the right direction. This loan was paid when they refinanced in XX/XX/2013and not satisfied. Mr . Seller is trying to sell the property before going into foreclosure, wife just passed and not getting anywhere with getting help with payoff OR satisfaction on this lien
I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX
Background : Ditech sent an Annual Escrow Account Disclosure Statement dated XX/XX/2018 stating that my escrow account had a shortage of {$410.00}. I paid my escrow shortage in full. It was recorded by Ditech on XX/XX/2018. 

Prior to receiving notice of an escrow shortage, I paid my XX/XX/2018 mortgage payment in the amount of {$1500.00}. This payment was recorded by Ditech on XX/XX/2018. However, due to the shortage of {$29.00} ( monthly increase in escrow ), my XX/XX/2018 payment was applied to principal only.
My mom purchased our home in XXXX, she was on mortgage only and I was on the deed. 
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account. 
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I  was told they need to have the original note from original bank, which was XXXX XXXX XXXX  of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX. 

I was recently married and my husband is preapproved for the mortgage. 
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home.. 

Thank you
On XX/XX/2019 Midland Credit Management left a letter ( pre-legal notification ) at my front door concerning a XXXX XXXX credit card account. I do not have an account with this credit management company. I previously requested them to provide me the name and address of original creditor, copy of the original signed contract, delegation of authority, and a complete accounting / statement of payments with interest and fees associated with the alleged debt with them. I have not received any information from my request except their letter of intent to direct this issue to attorney, if I dont contact for a debt that I did not contract with them.
I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs
There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!
When I was in college and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with US Bank. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from US Bank for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the US Bank branch that everything was current ). I have disputed this with US Bank directly, as well as XXXX, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted XXXX and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
In XX/XX/XXXX & XX/XX/2017, a local car mechanic defrauded me on multiple levels. He charged me to install an engine that had many more miles than represented. He charged me for strut mounts that he did NOT install. He charged me for items that were not authorized. And the work that he did was so incredibly substandard that the engine wiring harness melted, rending my car inoperable. It was towed to a dealership where I incurred even more costs just getting it to run again. It still has problems. 

The mechanic said the engine had XXXX miles. It actually had XXXX miles. 
He said there was a 2yr warranty. It was only 100 days. 
He claimed to install front strut mounts. He did not. 
He charged for a water pump & timing belt yet those were not authorized. 
He charged me to paint my hood & bumper but the color doesn't even match the rest of the car. 
Total amount Capital One gave to the mechanic was {$3100.00}. 

I opened disputes. Followed every step to the letter. Provided 60 pages of documentation and rebutted the mechanic 's lies. Even the Oregon DOJ spoke with Capital One and confirmed I'm a victim of fraud. 

CapOne LOST my 60 pages and then " closed '' the dispute in error so the window of dispute with XXXX was gone. CapOne then apologized. Admitted they goofed. Exec Office PROMISED they'd remedy this. Now today CapOne only gave me a partial refund claiming that's all I requested! ( That's a lie & I have copious documentation & notes. ) They again claim I failed to provide adequate documentation even though the Exec Office confirmed I met the requirements and even exceeded them. 

CapOne violated my dispute rights when they closed the dispute in the first place. They've now victimized me by failing to refund the {$3100.00} to me.
I am filing this complaint because my requests have been ignored by XXXX. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
I have been trying for a week to freeze my credit information at Equifax. I have gone on-line and tried three or four time with no results. The Screen freezes or says it ca n't do it, and there 's no one who seems to give a XXXX. 

No phone number to resolve this issue, and no way to freeze my credit after they screwed things up. 

What do I do now??
On X/XX/17 I learned that experian allowed my personal information to be stolen. Terrible
I previously disputed items with XXXX, and all of them were deleted without issue. I signed up for a credit monitoring service called " XXXX XXXX '', and discovered items I have never seen before on my Equifax credit report. I attempted to submit an online dispute through Equifax on XXXX/XXXX/2016 for all the items I found. Equifax would not allow me to pull my online credit report and dispute the items, despite having received my reports that way before. I had to call and speak to a live person. I talked to XXXX ( XXXX, XXXX ), and went through every single item I wished to dispute. I spent 45 minutes on the phone disputing each item individually. There were a total of XXXX items ( XXXX medical, XXXX utility ). When I received the final report, they did not delete any of the items, and said they were all mine. The utility bill on my credit report did not belong to me, and XXXX deleted it when I disputed it with them. Yet, Equifax says it was mine, and refused to delete it. It was a XXXX utility bill, for which I had never signed up for services. I was not living in the state where services were contracted at the time, and the item could not have belonged to me. 

As for the medical bills, I began receiving automated calls from XXXX XXXX As I had no idea of the existence of the bills at the time, I assumed it was someone trying to scam me and did n't initially respond. After I contacted XXXX XXXX regarding the disputed items, I was told that they are medical bills from XX/XX/XXXX-XX/XX/XXXX. I never received bills for any of the items. I contacted the original creditor, XXXX XXXX, who confirmed that the bills were likely sent to my physical address. Where I live, mail sent to a physical address will be returned. I never received the bills, and now it is causing major damage to my financial health. XXXX XXXX is now haranguing me for full payment. However, these bills should not be in collections, as I never received them. I should not suffer, because someone at XXXX XXXX 's was not competent enough to mail the bills to my given mailing address. 

I called to dispute the items on XXXX/XXXX/2016. The report states the investigation was completed XXXX/XXXX/2016 and I did not receive the report until XXXX/XXXX/2016. I do not feel my credit disputes were thoroughly investigated, and Equifax clearly was not listening to me when I tried explaining the confusion that my mailing address was causing. I was very clear with the agent when I explained that either they were n't mine, and if they were mine, it was the first time I was learning of their existence, as I did not get the bills. It 's my belief that through the language barrier with the agent, she did not clearly understand my dispute.
XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response
There is an amount of {$3100.00} on my XXXX credit report from NCO Financial systems/EGS Financial Care. I contacted them about the balance and NCO/EGS has no balance in my name.
I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas XXXX and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO.
A company name http : //rsgcollect.com/ contacted me by phone and said a loan debt was owed in the amount of XXXX. 
i told them to email me the information for review. i then received a call 20 minutes later from a blind number from a company called XXXX XXXX threatening to seize property and that they will contact my parents, visit my property and contact my landlord of my business if i do n't pay today. 
i called recovery solutions back and told them about the XXXX call and they confirmed that they hired XXXX to seize property immediately. 
i began to feel suspicious, so i found contacted XXXX online and contacted them- they said they do not know of a company called recovery solutions. and i then contacted the original debtor listed on the debt and they too did not hear of recovery solutions.
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE
I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.
This company has been calling me for the past month asking that I pay {$1100.00} between XXXX " Payday Loans ''. I have never seen these, nor did I take them out. I have only had XXXX Payday Loan that I 've taken out and had past due - I paid this in XXXX and have since contacted that collector for documentation. They advised I file a complaint with the FTC and DA. This new, fraudulent, company is asking for {$510.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. They also want {$640.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. This is FRAUDULENT. I do n't know these companies, nor did I take out what they say are these " Payday Loans ''. I 've had fraud on my identity and my bank accounts over the past few years, this now included. I want them to be looked into and to cease and desist so that they do n't try and con any other people!