WillisBack/dataset-financial-user-claim huggingface dataset:
When I opened this Credit card I did just by myself after I decide to add my ( wife ) at that time as a user she never sign with me as cosigner when get divorce I started receiving mail offers on both names, I called to inquiry why her name was on it and i was informed that she was a co-owner of the account ; I asked to investigate and remove her from this account since i was 100 % sure she never signed any Credit Card agreement with me they send me a form to remove her from the account even though she wasn't supposed to be there I asked her to sign the form and I fax it to Bank Of America time pass and i never got any response so i thought everything was ok, couple weeks ago she went to BOA to inquiry about a balance transfer and they told her she can use this account, when I saw this I immediately call them and explain the whole history again, they open a investigation and after some time the balance was put it back into my account whitout any notification until after i called. Called again and explain that this wasn't my fault but BOA since they just add her into my account without my knowledge and asked them to provide me with a copy of the card agreement to see if she ever sign any paper related to this account ; i was told if i want this I have to subpoena, i called again asking if i can speak with a manager this time the rep told me she was going to request a deep investigation and I told her to please notify me if they need any information ; 4 days later I received a notice that reads ( Unable to locate the application record base ) we regret we are unable to resolve this in your favor.. So know am stuck with a balance that doesn't legally belong to me and of course if I dont pay it my credit will be affect it. Am no trying to walk away from my financial responsibility, if she cosign with me I will accept it. But at his point I don't know if BOA will add someone else to one of my accounts and later I will be responsible for someone I don't even know ... Do I have to take their word for granted?
I own my own company. Several years ago a relative worked for me. She got several credit cards in my name. She paid them until she got on XXXX   and we fired her. We then found out about these cards and disputed them. She became a XXXX XXXX. 
XXXX XXXX said they would write off and they never called us. 
Then all of a sudddn this portfolio recovery started billing us. They now harass us and we dont owe them. 
Can u please stop them for us.
I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????
I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX  and Equifax for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

Equifax also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against Equifax. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and Equifax has XXXX inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
My school loan went into collections a few years ago, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. ) I was contacted numerous times by Performant Recovery , Inc. by mail, phone and even a family member who was not even listed as an alternate contact which started XX/XX/XXXX. Performant Recovery, Inc sent me a letter a week after ( XXXX sent me wage garnishment papers ) claiming to be collecting on the same exact loan ( as XXXX ) and threatening to take my federal tax return-again NO confirmation of the loan information. Performant claims it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening, or who took it. In XXXX I received wage garnishment papers from Perrformant regarding this same loan I am currently in payment arrangements with ( XXXX ), I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year. As per an alternate complaint ( Case number : XXXX ) on the other collections company ( XXXX ) XXXX XXXX, the Vice President of Corporate Compliance for XXXX XXXX XXXX XXXX XXXX stated : XXXX XXXX 's account was closed out of our office and returned to our client in XXXX XXXX. The client she is referring to is XXXX whom I already have a payment arrangement set up with.
In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.
My name is XXXX XXXX XXXX XXXX, the mortgage account number is XXXX. This loan is with Banco Santander de Puerto Rico. 
At XX/XX/2015 I was working a Loss Mitigation process with the Santander Bank in Puerto Rico, at the same time the bank was filing motions to the court with the intention of executing the property. In This case the debtor was submmited the Loss Mitigation Package complete and the bank indicated the alternative was aproved are a payment plan but at the same time the bank and your legal representation submmited to the court a motion in continue the foreclosure process. This action is in total violetion with the Regulation X and incurred in " Dual Tracking ''. 

Respa indicated the following : " The rule restricts dual tracking, where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 

If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced but more than 37 days before a foreclosure sale, a servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until one of the same three conditions has been satisfied. In all of these situations, the servicer is responsible for promptly instructing foreclosure counsel retained by the servicer not to proceed ''.
COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX
XXXX is reporting inaccurate info on my credit file in which the open date does not match the true open date. It is years off and the last reported day was XXXX XXXX 2016 which is odd since I made no contact with the company. It 's not legal to refresh a credit debt. It looks bad on my report showing a inaccurate date.
Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.
IN 2009, the IRS mistakenly issued a lien in XXXX county ( XXXX ) Tennessee. The lien was for a different person with a similar name -- but was reported to all 3 major credit bureaus. I discovered it a few weeks after it hit -- and went thru a 3 month ordeal proving that it did not belong to me and getting both a release of the lien and then a withdrawal of the lien from the IRS. 
Once arranged, I forwarded both documents to all 3 credit bureaus and the item was properly removed from my credit files. 
Last week, in preparation for buying a home, A loan service ran my credit reports -- 2 were accurate ( XXXX XXXX and XXXX ) but Equifax was once again falsely reporting this lien as still active -- negating my ability to gain a loan. When I contacted them they informed it would take from 3-6 weeks to resolve -- and that they would mail me a copy of the credit report but would not in any way address the issues until I had gone BACK thru their complaint systems again. 
I have since sent the documents to the loan company and I think my loan will be fine -- but that does n't excuse the sick and perverse maintenance of this lie about me that has likely been there for months -- after successfullly removing it for most of a decade. 

Their conduct is such that I believe that they should be forced out of business -- as I can not see any other way that this event occurred other than thru Gross Incompetence or Deliberate Malicious action -- in either case -- please, please SHUT DOWN THE Equifax LIE FACTORY!
XXXX XXXX XXXX  sold our HELOC to Rushmore Loan Management Services. The communications from XXXX XXXX were minimal and came late in the process. XXXX XXXX has also not provided any customer support during the transition. 

Rushmore LMS failed to provide us with checks for our HELOC once it took it over from XXXX XXXX XXXX. We have therefore been unable to make any payments drawing on our HELOC. We are facing late charges because we can not write checks against our HELOC. 

Neither Rushmore nor XXXX XXXX has been at all helpful in solving this problem. In fact, we have had great difficulty even reaching customer service at Rushmore.
Dear Sir/Madam, Because Chase did n't answer all my questions in my complain number XXXX. I would like to file a complain again.
Chase especially did n't answer that question how someone else could link their XXXX accounts to my checking and saving without any verification from Chase, as I mentioned in my complain XXXX, Chase even did n't do a basic check such as if name matches. I would like to see the document I signed that authorizes this kind of behavior.
Chase is notorious with data protection of their clients, and when issue happens, they seemed not willing to to help clients to solve the problem and just want to protect them self. I would like to ask CFPB to take a further look of Chase 's practice in this area.
Thanks, XXXX
I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. 

At wits end!!! 
XXXX XXXX
Around XX/XX/2018, $ XXXX+ was taken out of my Bank of America checking account. That same week I called and complained about the money being taken out. The total came from two different areas, one in XXXX XXXX and one in XXXX XXXX. I was in XXXX XXXX for the weekend with my girlfriend for our anniversary. I even made a purchase in the XXXX XXXX ( about an hour from XXXX ) at XXXX XXXX. But that weekend I noticed that someone had purchased something at a Target in XXXX XXXX and at a XXXX XXXX in XXXX XXXX. I called and got credited all of my money back. 45 days later I got a letter in the mail saying they were taking back the {$390.00} and that the case was closed. I wondered why me? Why is my money being taken for no reason? I trust my bank to protect my money but even when it gets taken they cant give it back. I called multiple times and they would tell me that the purchases were made with a PIN number ( which nobody knows but me ) and that for that reason they can not give me my money back. I called a few more times, waiting hours on hold to talk to people who were rude and seemed like they didnt want to do their job, just for them to finally tell me to send a letter in the mail. So I sent a letter, kind of like this here, describing the situation. Around the beginning of XXXX I finally call again to check on the status of my claim. It had been over a month since I sent the letter, but they were still working on it. They told me to wait about a week or two and Id get a final response. Well, it has been over a month since I last called. Im a XXXX   XXXX trying to pay for school and other expenses while being taken advantage of by my bank. I dont know what more to do. Those {$390.00} could be used to pay for books or a meal plan so I wont starve this quarter.
I have disputed information with XXXX  XXXX Equifax reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
XXXX XXXX XXXX Post : I called to have my loan payments smaller. They offered me a program, and said it would lower my payments. Currently I pay about {$800.00} am month in student loans. On the phone the teller said I was approved and took my first payment. They then set up a direct payment method for the next XXXX. They took the second payment. I received a email saying I was late on my loans and owed them late fees. They said they sent me an email letting me know I WAS NOT approved, after they verbally said I was and took my money. They then offered the program to me again, same things, and now I have credit marks on my credit rating for late payment for 4 months, and had to pay all the late fees. They just kept taking money from me. I have been paying for over 10 years and the loans are the same amount. There was no one I could call to help, and they just kept charging me more money the more I called to fight the charges. It is disgraceful what they get away with, and there is nothing a regular person can do. These loans have taken any opportunity of me having a car or buying a house. There is no regulation on them, and they just keep robbing people with their late fees and interest fees.
I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to " lock '' my credit report.
TransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.
They have inquiries on my credit report from XXXX and XXXX XXXX that i did not authorize XXXX XXXX was on there 3 times and they only removed one the other two dates are are still reporting file # XXXX
Back in XXXX of 2017 I ordered a free copy of my credit report for Equifax, XXXX, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries Equifax 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.
Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.
XXXX   XXXX ,2017 :Starting in  XXXX  of 2017 we (my name and my companies name) have been receiving chargeback documents from Chase Paymentech,   XXXX   XXXX   XXXX   XXXX