WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX on XXXX I lost my home to a house fire. I have an FHA mortgage with Flagstar Bank in the amount of {$78000.00}. My home was declared a total loss and my insurance company XXXX XXXX has paid the available amount of the insurance policy {$190000.00}. As required by law, " I have been told '' the checks have made to me and the mortgage holder Flagstar Bank. I have signed the checks and forwarded them to Flagstar Bank. Construction began in XX/XX/2018 and has been completed as of XX/XX/2018. Flagstar Bank was notified and a request for the final inspection was made at that time. To date I my property has not received a final inspection. Flagstar refuses to release any of my money. Flagstar is holding Approximately {$60000.00} of my money. I owe contractors and suppliers and stand in danger of having leans placed on my property because of my inability to pay my bills. Flagstar Bank collects my full mortgage payments even though they have never made {$6000.00} of that mortgage available. They are withholding payment for the general contractor n excess of {$31000.00}. Flagstar is withholding my recoverable depreciation in excess of {$18000.00}. From the beginning to end they, Flagstar Bank has used delay and bait and switch tactics to with hold of refuse payment. The latest example of this behavior is switching property claims processing companies the day after I requested a final inspection. This isn't unexpected. Sadly this fits the pattern I have experienced through out the entire process of dealing with Flagstar. They constantly claim they are not in receipt of documents they have previously claimed were in their procession. Flagstar computer malfunctions and makes it almost impossible to resubmit the documents they claim they don't have. Wait times on the phone exceed one hour and have been as long as one hour and forty five minutes. Employees have picked up the line that I was put on hold and asked me, " are you still there '', then they hung up on me. 
I am seeking your assistance in receiving being all $ funds being held by Flagstar Bank in the matter Property Loss Claim XXXX XXXX XXXX , for XXXX XXXX for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX Arkansas XXXX. I can be contacted at XXXX XXXX XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. Please keep in mind that this is an urgent matter in that I owe people money that have worked very hard to complete work on my house. Please help me to collect money owed to me from Flagstar Bank.
The following are hard inquiries made without my consent nor have a I applied for credit with these companies : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -
On XX/XX/18 I filed with Experian credit Report disputing alot of errors, and 1 account never was not opened by me one account is current ( XXXX XXXX XXXX ), and one collection that was also not opened by me. They said they would investagate these accounts ( XXXX XXXX Credit Card ) ( XXXX XXXX University ) and, a collection with XXXX XXXX XXXX company. All these accounts I never opened, or owe any money to. I also filed with XXXX and, XXXX about a month those two credit companys did there investgation and, found during there investgation in fact I never opened and, of the accounts above. Experian credit report company waited about three hours and, sent me a email the same day I disputed today XX/XX/18 saying they where not changing anything and my credit report was updated. Ok so are you going to investagate this in one day normally its takes up to 30 days experian did not do any type of investagation and, is damaging my credit by not removing fraud accounts. They other companys did remove them from my credit reports. This is against the ftc and, that is why I am filling not only a compaint here but, also with BBB.
I have contacted Transunion numerous times from XXXX 2017 until the present. I have filed numerous disputes via online and over the phone with a representative that XXXX inquiries recorded on XXXX XXXX, 2017, one by XXXX XXXX and the other by XXXX were not authorized by me. Transunion has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Transunion delete the inquires immediately.
On XX/XX/XXXX I sent out a 609 letter informing XXXX, XXXX  and experian credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.
This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and XXXX credit files be permanently expunged. Both XXXX and XXXX   have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
I have never had a non payment on my credit report ever 30 years now I have had credit cards I have tried to get one and only non payment taken off from a bank of America card problem XX/XX/XXXX I  submitted to them I would like to have the nonpayment taken off credit report they take info down and tell me to check back in 30 days each time I call them it's the same story can not find info on this so we submitted again I have done this 3 times now.. what the non payment is I did not receive the statement in XXXX And Then in XXXX wrote check mail it they said never did receive it thats when they report it on my credit report as nonpayment they our never going to try and fix this because each time I call them it's like it's never been submitted so we do it all over again .... this is a bank of America credit card any help would be great tks ... ... XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX phone XXXX XXXX XXXX.
XXXX ,  XXXX , and Experian are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more t han two years and they have not removed them from my credit file.    They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.
I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AMEX had decided to lower my credit limit by {$3000.00}, from approximately {$9000.00} to {$6000.00}, thus placing the card which already had a {$6000.00} balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the XXXX different individuals, a regular representative, a credit line representative and their supervisor. I was told by all XXXX that they made the determination based off of XXXX late payments. To my knowledge all under 30-day lates. I should mention, I am a retired XXXX veteran, and I am a full-time student, which caused my 10-day late payments as I 'm on an extremely tight income. Notwithstanding, I paid my bill in XXXX and I paid XXXX 's bill on the XXXX. To my knowledge, I was only 10-days late on those payments, not XXXX, XXXX or 90-day late payments. The AMEX representatives told me that the reason for their actions were because they opened up an investigation on my account ( again without my knowledge ), pulled my XXXX score and credit report ( also, unbeknown to me ), and made this determination without forewarning or notification. To my knowledge, I had not received any form of notification that they were even considering these drastic of actions neither in writing or by phone. Also, to my knowledge, I was n't afforded any of the protections under the Truth in Lending Act, specifically Credit Card Act of XXXX, where companies are required to notify the customer in writing if they are going to impact the customer 's credit, pull credit scores without the consumer 's expressed permission, change the terms of the agreement, which ultimately adversely impacts the consumer. All of these apply to my situation. An AMEX representative told me that the only way my credit line could be reinstitute, thus pulling me out of a maxed-out credit card position would be to give them my bank account information, my XXXX, all other sources of income and all savings and government pensions I may be receiving. Specifically, Proof of Income, Proof of Financial Assets, all sources of employment, OR, give them {$3500.00} by XXXX XXXX to have my credit line and thus credit restored.
I was contacted by Guglielmo & ASSOC. regarding a credit card that was sent the debt collector above. I telephone them and made payment arrangements for {$100.00} for the first XXXX months as they would n't take my offer. I made ALL of these payments on time. During the seventh month they would discuss further how I was to pay this off so I sent them a registered letter offering them {$500.00} over and above the {$600.00}. I NEVER received a reply to my letter. Then out of the clear blue sky I received a document BANK GARNISHMENT to garnish my XXXX XXXX account. I called Guglielmo & ASSOC. and I spoke to a XXXX asking what I could do to continue to settle this debt and that I had sent them an offer. HE WAS EXTREMELY RUDE, stating it was too late and there is nothing more they could do for me. He claims they tried only to reach me by phone. I NEVER RECEIVED any voice mails. I have a very old phone sometimes the voice mail does not work. XXXX told me it was n't his problem I have old technology. Again I asked him if there was anything else we could do to settle the debt. He said NO. I told him I am on a fixed income. I only collect Social Security and he said he did n't care. So now I am still trying to settle this debt but I feel this collection agency set me up and tried to take exempt funds knowingly. He also stating that I would lose the {$600.00} in payment I already made on time.
I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is XXXX
Bank of America, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, BOA 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, BOA 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to BOA is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.
I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.
Company calls excessively, calls others not listed on loan ( listed as " references '' ), charges usury level interest, filed loan application using fraudulent information ( claimed assets that are non-existent ).
Equifax mishandled my information, which puts me and millions of other people at risk. I also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Send out 2 letters asking for Accuracy of account!!!! Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) (  A ) ( a consumer contract with my signature on it ) but never receive any information verifying this account belongs to me, but company still refuse to comply with Fair Credit Report Act. by continuously reporting this account to my credit report. 

LETTER SEND OUT TWICE NO ORIGINAL CONTRACT WITH SIGNATURE RECEIVE YET ALL ACCOUNT LISTED BELOW According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account Account Number XXXX XXXX # XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
On XX/XX/XXXX, I attempted to withdraw my funds from Coinbase, a virtual currency exchange. I wanted to withdraw {$520.00}. My funds were promised to be delivered to my XXXX XXXX XXXX Account on XX/XX/XXXX. Since then, it has been nearly a month and I have not seen my money. I contacted support on several occasions through their support website. I received generic responses that said delays were occurring. Their phone support refuses to assist in such issues and insists that their email is the only way to get this issue sorted.
THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. 
COLLECTIONSNOT MINE/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE
On XXXX XXXX, 2016 XXXX submited a credit inquiry on my behalf unauthorized. I found out about the pull on my credit as I am in the process of purchasing a home and going through the mortgage process. I did not know what " XXXX '' was, but 5 minutes of diligence turned up a result that it was PayPal Credit and that the CFPB had taken action against PayPal Credit for similar practices within the last year. They do not seem to have ceased making unauthorized credit inquiries and I am concerned about the impact it will have on my mortgage application process. I do not currently know the damage but it could be significant if the rates on my mortgage increase based on the decreased credit score.
I have a collection account listed on my credit reports by a debt collection agency, Convergent Outsourcing Inc, collecting on behalf of XXXX. Convergent Outsourcing Inc is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this with the BBB XXXX XXXX,2017 and was unsuccessful.
RPM has contacted 24 times since XX/XX/XXXX. After receiving verification of debt I contacted RPM regarding a discrepancy between the last bill received by the phone company the amount they are trying to collect. The discrepancy amount is {$250.00}. I asked for RPM to explain the discrepancy and the person I spoke with was unable to do so. When RPM contacts me and I am available to answer I answer my phone, say hello twice and noone answer on the other end. The following is last phone calls ( times and dates ) since XX/XX/XXXX. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX-answered 13 second call no answer from other side XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX answered 10 second call no answer from other side XXXX : XXXX-answered 8 second call no answer from other side, XXXX and XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX-answered 7 second call no answer from other side XXXX : XXXX answered 9 second call no answer from the other side XXXX : XXXX, XXXX XX/XX/XXXX : XXXX
I contacted US Bank and told them there was an error on my XXXX credit report - US Bank showed an account ending in XXXX with a balance of {$270000.00} ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of {$270000.00} - XXXX - ending account number is XXXX - they have not removed this balance which shows I have {$270000.00} more in mortgage payments than I actually have ; they are doing this because I have my current mortgage with them and the additional amount on my credit report is making it difficult to refinance with someone else at a lower rate -they need to get this account off my credit report and show a {$0.00} balance
Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX : XXXX