WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I closed on a Home equity line of credit, through the Chase bank that also holds my initial mortgage, and a previous home equity line of credit. At the closing, I advised the bank representatives that I'd made a payment on XX/XX/XXXX to the existing line of credit, because it was the due day, and I did not want to get charged a late fee. 
On XX/XX/XXXX, the bank attempted to satisfy my outstanding balance from the original line of credit, by deducting it from the newly opened line of credit ( account # XXXX ) as per our agreement. Instead of paying off the existing balance, they deducted over {$500.00} dollars more than I owed, at the date of closing. They did not seek my approval. Now they are trying to treat it as an overpayment, and merely reimburse the amount, without regard to the interest it has incurred. I brought this up with the loan officer I have made several attempts to correct this issue with them, and have been unsuccessful as of this date and time. 
When I called the representative XXXX XXXX on the afternoon of XX/XX/XXXX, he stated he " did not think it was that big of a deal, '' when I described what had transpired When I asked to speak to a supervisor, he kept me on hold for well over 10 minutes, and then advised me no supervisor was available. I asked him to have 1 contact me and he stated he would. As of yet, no other Chase representative has contacted me.
I do not know the source of information due to this but the contract for the collection that was place from XXXX XXXX XXXX XXXX which was turn over from ( XXXX XXXX XXXX ) Acct # XXXX in the amount of {$2000.00} is not my account. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
When applying for our mortgage in XXXX 2017 we discovered we had an outstanding medical bill with Grant and Weber, we called and paid it that very day with XXXX XXXX. We then discovered a week later XXXX XXXX applied for a credit inquiry on my credit report for a loan. I called him back and he said it was an error. However still to this day X/XX/2017 it has not been removed and I contacted him again today and he claims to have no knowledge of how to remove it.
On XX/XX/XXXX I reported to Transunion XXXX and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX Transunion dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.
I check my credit report once in a while and I was surprised to find out that I have 4 hard inquiries that I have no knowledge of and that I did not authorize. Inquiry # 1 XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 2 XXXX XXXX BANK XX/XX/XXXX, Inquiry # 3 XXXX XX/XX/XXXX, Inquiry # 4 XXXX XX/XX/XXXX, Inquiry # 5 XXXX XX/XX/XXXX, Inquiry # 6 XXXX XX/XX/XXXX, Inquiry # 7 XXXX XX/XX/XXXX, Inquiry # 8 XXXX XX/XX/XXXX, Inquiry # 9 XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 10 XXXX XXXX XXXX XX/XX/XXXX. I immediately contacted each one of them by mail asking them to send me any kind of authorization made by myself, or if they made an error to have the inquiry removed from my Experian credit file. I also sent a dispute to Experian about the ten inquiries that I mentioned on my credit report. I asked Experian to open an investigation and some of them responded by mail stating that they will not remove the hard inquiries because at the time that the information was provided at the time matched the credit bureau files and that the inquiries will be removed after 25 months, and some of them did not respond and I find that very concerning because I did not ask them when the hard inquiries will be removed or when the information that was provided at the time did match or did not match the credit bureau files. When I sent the companies a letter it stated that I have no knowledge authorized of that inquiry and I demand any kind of document which they did not send. Then I contacted the companies by phone demanding them to have that removed because it was not me. I asked them to send me a signed document by me or a recorded phone call authorizing them to pull my credit report then the representative said that they need to order the signed document from the archive. In all the attempts I made by phone or mail I did not get any appropriate response from the ten companies that I mentioned. Experian did not respond to my letter more than 35 business days and by law a credit bureau must respond within 30 business days when opening a dispute and an investigation, and if they do not respond, by law it has to be removed from the credit files. I did contact Experian by phone after 35 business days to follow-up and they told me that they can not remove hard inquiries from a credit report only if the financial federal bureau will order them to have it removed. Therefore, I ask the CFPB to open an investigation and order Experian and the ten companies that I mentioned to have the ten inquiries that I mentioned deleted and removed from my credit file or send me any document that authorized the ten companies that I mentioned to pull my credit report.
Wells Fargo says to try to work out disputes with company first, then let them know. I've tried and I've come across a very bad situation that needs upper level help .... 

My father, XXXX XXXX, has been forced to move out of his home for quite a while due to disabling XXXX XXXX. Im a POA and have only recently bothered to check his bank accounts due to his stressful life events preventing proper handling of those concerns. Ive now realized that although he believes he expressed a notice to his utility and other service providers, there have been charges to his bank account from vendors and services operators for which he is not able to use as a service. 

Especially at the bank level, XXXX expressed his competency concerns with Wells Fargo. Although hed moved out in 2016, and due to reverse mortgage rules, Wells Fargo took over the home soon after, Wells Fargo tolerated the inappropriate charges. Wells Fargo now claims they didn't do the takeover since they transferred their reverse mortgages to another company. If responsibility should be due to the mortgage holder, former or latter, I would note that I left a note on XXXX belongings which contained sensitivity personal belongings, and I did not hear a word. Either the bank, the mortgage holder or the reverse mortgage takeover workers, or those service operators, shouldve been responsible to prevent inappropriate charges to a XXXX XXXX.
I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.
I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.
I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Bank of America checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.
Disputed item regards to XXXX XXXX XXXX, previously, in regards to alleged date of first delinquency. XXXX mailed letter, dated XX/XX/XXXX, stating this. According to Innovis credit report, dated XX/XX/XXXX, the item is reporting delinquency as early as XX/XX/XXXX, which contradicts XXXX 's statement. This is a blatant violation of FCRA guidelines.
Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.
XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.
Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
On the month of XX/XX/XXXX XXXX evening i decided to go online to check my credit report my first time and when i got through one of the Credit Bureau XXXX XXXX Website, I found out that someone in the past used my Identity and applied for XXXX XXXX Bank credit card, the amount of {$300.00} credit limit. This Account Number : XXXX was selloff and bought by ; The Current Owner : XXXX XXXX, XXXX. Account Number : XXXX posted in Collection the Amount of {$620.00}, all 3 Major Credit Bureaus ( XXXX, XXXX & XXXX  ). 

I still wanted more information about this debt, so I wrote to XXXX XXXX, XXXX on XX/XX/XXXX for validate to verify more information about this debts I send the mail certified and at a later time the return ticket confirm they received it on XX/XX/XXXX, XXXX XX/XX/XXXX about noon time I received a letter from XXXX XXXX XXXX XXXX XXXX and a attachment : Court Judgement of {$820.00} On XX/XX/XXXX without me knowing or properly served, they filed a suit, I was very upset and confused, i never applied for this credit card and i have no knowledge about who? used my identity and why? this debt is not mine.
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.
My income tax was garnished in violation of 15 USC 1692-1692p. Not my debt nor did the lawyers of the recovery company contact me nor did they provide whose debt this was.
Please see attached document entitled XXXX Complaint against JP Morgan Chase. Chase is attempting to sabotage my defense plans to protect my home from foreclosure sale.
Despite numerous requests, Ocwen Loan Servicing, LLC keeps failing to substantively respond to the efforts of this firm to assist our client in resolving this matter. In addition to failing to substantively respond, Ocwen issued a short sale denial letter, even though our client never applied for a short sale. This firm 's attempts to resolve this matter have been met with letters from Ocwen Loan Servicing, LLC instructing us to contact a different department within Ocwen. As instructed, our firm has provided letters to the different department, but we continue to be ignored, and the delinquency amount continues to grow while Ocwen fails to properly address this situation. Ocwen has moved forward with scheduling a foreclosure hearing on XXXX XXXX, 2017. Ocwen is holding, in a suspense account, more than {$30000.00} which belongs to our client. Ocwen 's actions and inactions are violations of Federal and State loan servicing standards.
IN XX/XX/XXXX A COMMERICAL PROPERTIES WAS PURCHASED BY THE GUARANTORS XXXX XXXX AND XXXX XXXX, WE WERE THE OWNERS OF XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX HEALTH AGENCY OUTPATIENT ). XXXX XXXX LEFT IN XX/XX/XXXX. I PURCHASED THE BUSINESS FROM HIM. I WAS UNDER THE IMPRESSION WE PURCHASED XXXX XXXX AT XXXX XXXX XXXX   XXXX GEORGIA VIA SBA FUNDING. AFTER DETAILED RESEARCH IT WAS REVEALED 1. THE SBA APPEARED TO HAVE NOT PROVIDED FUNDING FOR THE PURCHASE OF THE BLDG REFERENCED, 2. OTHERS SUCH AS THE BROKER AND ASSOCIATION MEMBERS WERE INVOLVED IN POSSIBLE UNETHICAL WAYS TO OBTAIN MONEY WHILE UTILIZING ME CREDIT AND NAME DUE TO ME BEING A MINORITY, 3. THERE WAS AN ADDITIONAL LEVEL OF PROVIDE SBA FUNDING BY XXXX XXXX WHICH IS A PRIVATE BROKER WHICH BENEFITTED ALL MENTIONED, 5. THE OFFICE BLDG CONTAINED 5 DIFFERENT SUITES WITH 5 DIFFERENT ADDRESSES, EACH  SUITE WAS SOLD SEPARATELY.

EACH SUITE WAS BEING USED AS COLLATERALS FOR ADDITIONAL LOANS WHICH APPEARED TO HAVE BEEN DESIMINATED AMONGST A GROUP OF INDIVIDUALS RANGING FROM BROKERS TO POLITICAL HEADS. THE APPROXIMATE AMOUNT OF MONEY ILLEGALLY OBTAINED BY THESE INDIVIDUALS WAS CLOSE TO XXXX XXXX DOLLARS WAS PROVIDED TO OTHER PARTIES UTILIZING MY NAME CREDIT AND COPYING AND PASTING MY SIGNATURE THROUGHOUT VARIOUS PARTS OF THE LOANS PACKAGES, I CAN NEVER RECEIVE ACCURATE AND CORRECT INFORMATION FROM FUNDING SOURCES AND IN ADDITION, THE BUILDING IS FILED ON MY CHAPTER XXXX BANKRUPTCY. I CAN NOT IMAGINE THE REPRESENTING LEGAL COUNSEL NOT BEING AWARE OF THE UNETHICAL PRACTICES WITHIN THIS CONDO ASSOCIATION. THEY ARE THE GATEKEEPERS OF BOTH BYLAWS AND FUDICIARY DOCUMENTATION. 

AS A MATTER OF FACT, THERE HAS BEEN OVERPAYMENT OF CONDO DUES WHICH ARE APPROXIMATELY 1100.00. THE BOARD AND ATTORNIES, I AM SURE BOTH PARTIES WERE AWARE OF BOTH THE LAND AND SUITES BEING SOLD SEPARATELY. I DO BELIEVE THIS WAS A COMMON PRACTICE THROUGHOUT THE OFFICE PARK.
XXXX claimed to be my mortgage servicer and for years my mortgage payments have been misapplied, misappropriated and flat out stolen from me, and now the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demanded a Qualified Written Request ( QWR ) and dispute of Debt, validation of debt pursuant to the Fair Debt Collection Practice Act and other Federal and State Laws from the XXXX XXXX XXXX XXXX XXXX which I have attached I never received anything from The XXXX XXXX XXXX XXXX stating the validity of the Debt nor did I receive proof of standing to foreclose from the XXXX XXXX XXXX XXXX XXXX nor the exact date in which they say I went into default or the exact dollar amount thereof. I believe I am a victim of predatory lending practices, illegal foreclosure practices, toxic Mortgage-backed securities, violation of Federal Trust Indenture Act. my payments made were not properly applied by these related companies, based purely upon oversized ambitions, greed and corruption, which led to economic XXXX, they were lax and rife with hidden fees and deceptive practices, fXXXX XXXX  practices which imperiled borrowers. they went against their own underwriting guidelines and that override federal lending standards!!
The Fair Credit Reporting Act ( FCRA ) this document explains the rules and laws that the credit bureaus and creditors/banks must abide by.

Link : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf  ( page 78 ) FCRA Section 623 ( a ) ( 3 ) ( this law is for creditors/banks ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
ANY TIME contact is made to any an entity questioning a line item that they placed on your credit report, they are required to contact the credit bureaus on your behalf, and make sure they add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you have disputed the negative item in question. 

I have a copy of my credit report on the day Wells Fargo DRS signed for my letter, and another copy of my credit report exactly 31 days later. 

I have proof that they didnt follow the law.
I have been attempting to close out an underperforming Roth IRA account with PNC and transfer funds to another institution for over 30 days. I initiated the transaction at a PNC branch and followed the instructions that were provided by an investment banker at the PNC branch. About XXXX weeks after completing this transaction as instructed by the investment banker at the branch, I received, in the mail, a notice that PNC was not able to complete the transfer. The package provided did not include clear instructions and a number of the forms included were completely illegible ( examples attached ). I called in to PNC customer service on XXXX and was directed to XXXX XXXX, who identified himself as an IRA consultant. He was somewhat verbally abusive and refused any help beyond recommending that I complete the identical process again. I believe that being denied access to my funds, provided with illegible forms to sign and being provided no clear reason for denying me my funds to be an unfair practice on PNC 's part.