WillisBack/dataset-financial-user-claim huggingface dataset:
Sent in supporting documents of arrests and police reports from XXXX Arkansas police department of XXXX suspects that were charged with XXXX counts each of felony identity theft and arrested awaiting trial and sentencing some time ago. I went to the Transunion website and saw the " investigation '' was completed but the reported felonious information was still there. There was no available options for me to view results only a screen that showed the investigation was completed. I called Transunion Friday XX/XX/XXXX and the representative that answered, after verifying my personal credit information, said that he could not give me any information on the completed dispute but I could log on to their website to view results. I 'm currently logged on today and getting an error message that says " online delivery of your dispute resolution is unavailable at this time. ". The representative said there was no confirmation number that could be given for the dispute but gave me what he called a file number. The number given by the representative was n't the same file number I got from their website when I was able to log in previously at Transunion.com website as my file number ( unless this number changes every year or post-dispute, etc ) and this number did nothing to aid me in any way. There are countless, misrepresented facts on my report with this agency. Erroneous names including a XXXX name that is n't at all mine or spelled like it, there are XXXX social security numbers and I only have XXXX and sent my signed social security card to show this, and accounts that span back beyond to XX/XX/XXXX for places and charges that are not my own. I was told I would receive a dispute resolution letter in the mail in 5 to 10 days. This was 3 weeks ago and received no letter to date. Furthermore, the fraud accounts and variations of my name and fraud addresses I sent for investigation more than once to be investigated are still appearing on credit report last I could see on the transunion.XXXX site as of Friday XX/XX/XXXX. It appears that this company does n't review any the information at all in investigations and frivilous in record keeping or even establishing the validity of information contain therein in investigations on a tool a creditor would use that is suppose to be a snapshot of who I would be as a consumer. It 's appalling and like being victimized twice!
XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.
Wellsfargo bank in Nj has token {$200.00} dollars from my account in XXXX and XXXX ofXXXX they also has taken {$20.00} dollars from my on today XXXX XXXX. I have reported them several times to there Corporate office in Nc. This is fraud and I had enough I do n't work hard for there employees to steal my money. My names is XXXX XXXX
XXXX and XXXX Is reaging a debt that was charged off XX/XX/2009 by continental finance and they are reporting this as a new collection on my credit reports
I am in the receipt of Bank of America Home Loan Regulatory complaints team letter dated XX/XX/2019 for complaint # XXXX that they didn't respond to online. I have an issue with them stating that they sent me correspondence on XX/XX/2019 even though I didn't receive anything from Bank of America until XX/XX/2019 in which I spoke to XXXX XXXX and he sent me an email so that I could send him all documents so that the bank actually process the paperwork since they didn't do it the first time when it was submitted in XX/XX/XXXX. I emailed him all the requested items on XX/XX/XXXX and Mr. XXXX requested even more stuff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX all answered and sent as many times as requested. I was told the bank had all the paperwork it needed and was sent to the underwriter last week but still was asked for more documents on XX/XX/XXXX and I sent them right away. Bank of America is not treating me fairly or honestly with dealing with this loan. It will be time to sell this house on XX/XX/XXXX and they will still be asking for documents. If I don't qualify for modification then a short sale or other option should be made available and they need to approve a short sale amount. Bank of America is not dealing fairing with me due to the discharge of bankruptcy and the fact that this loan is FHA and insured by HUD so they don't lose as much as I will if we get put out. We will be homeless and the bank will have its cash flow. I want the bank to deal with me fairly and start responding to my request for help and stop saying I haven't sent in paperwork. I have given them everything they could need to do what they need to do and respond fairly.
They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX  was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX  and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against.
I have never done any business with XXXX or XXXX.I have disputed this information with XXXX XXXX XXXX. They are showing a XXXX balance which begin at XXXX. I asked them to validate this information, they do n't have anything with my signature or a contract.This information is with the XXXX credit reporting bureaus. I have disputed this information with all XXXX of the credit reporting agencies. It is against the law and illegal to report inaccurate information.
I used paypal credit to purchase some plane tickets. I received a promotion that said I would n't be charged interest for 6 months. If I paid the total amount before 6 months were up, no interest would be charged. I have no idea when my 6 months are up because I was n't able to access the billing statement on paypal.com. I 'm assuming that since I bought the tickets last month, I have till XXXX 2016. I tried to go in today to make a payment but I could n't. Paypal faqs state that the link to make a payment is under the " Money '' category. There was nothing there. I tried logging in through BillMeLater and it directed me to the same paypal page with the same instructions. No matter what I did, I could not find a way to make a payment. Finally, I remembered receiving an email saying that my statement was online. I clicked on the link in the email and it took me to the right place. I should n't have to resort to last ditch efforts like this. If paypal is going to be issuing credit then it needs to stop hiding the payment page.
As directed by XXXX XXXX  and XXXX XXXX ( contact departments, name and numbers available upon request ) XXXX I have been directed to submit this complaint regard the most recent questionable/criminal activity by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company 1. JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to Local, State ( Pennsylvania ), Federal agencies and Court Administrations - Commonwealth of Pennsylvania XXXX, XXXX  County, PA, - Superior Court of Pennsylvania, Appeals Court, Philadelphia, PA, - United States Bankruptcy Court, XXXX  District of Pennsylvania, XXXX, PA ( Note : Fraud on the court has/is taking place by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company and its legal representatives ) JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to borrower a Veterans Home Loan recipient in writing and by telephone calls JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is continuing to distribute inaccurate/misleading/fraudulent mortgage account, mortgage servicing, financial transaction records, mortgage investor information, Veterans Home Loan underwriting and origination requirements ( insurance riders/policies ( disability, mortgage ( pmi ), flood, homeowners ) and escrow requirements Local, State, and Federal law enforcement has been notified and evidence has been submitted A few documents are attached to this complaint Suggest CFPB review documents and complaints submitted prior to this Additional documents, witnesses, and recordings are available upon request If there are any questions or concerns contact complainant
XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known XXXX XXXX? 

I received a letter from Synchrony Bank XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people.
XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
XXXX XXXX XXXX is representing the holders of our mortgage and the servicer, Ocwen. They filed foreclosure in XXXX. We filed counterclaims for breach of contract because the loan servicer, XXXX XXXX, did not properly apply payments. 

XXXX XXXX, lawyer at XXXX XXXX, obtained and presented a false affidavit written by XXXX XXXX of Ocwen, the current loan servicer. This false affidavit states that we did not make payments in XXXX & XXXX of XXXX causing us to be behind in payments. 

This is completely false and is proven with the new mortgage modification agreement that we entered into in XXXX XXXX that recast the interest from XXXX and XXXX of XXXX, added it to the principal balance with the first modification payment due on XXXX XXXX, XXXX. 

This contract is a simple, common, unambiguous mortgage modification contract. This type of contract law is taught in the first semester of law school. XXXX XXXX has been an attorney for some time now so it would be a natural conclusion that she is capable of reading a very clear and simple contract. Therefore she is well aware that the affidavit she obtained from XXXX XXXX is false and contradicts the very contract that is being foreclosed on. Other business record evidence that supports the contract includes phone records and payment records. 

Not only did XXXX XXXX commit perjury, XXXX XXXX knew that the affidavit was false and still filed it as evidence in this case. I truly believe that XXXX XXXX committed suborned perjury by knowingly convincing XXXX XXXX to write a false affidavit.
I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!
PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.
BANK OF AMERICA XXXX I WAS CONTACTED BY PHONE FROM BANK OF AMERICA ON XXXX A RECORDED MESSAGE WAS LEFT ON MY PHONE SAYING TO CONTACT THEM ABOUT A IMPORTANT SERVICING MATTER THEY HAVE AND THE OPPORTUNITIES THAT THEY HAVE AVAILABLE TO ME. 


ON XXXX I filed a consumer complaint with CFPB CONTINUES TO CONTACT ME BY PHONE AFTER I ASKED THEM TO SEIZE FROM CALLING MY PHONE. 

HERE IS MY DOCUMENTS SUPPORTING MY COMPLAINT BELOW
On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .
Case number : XXXX I just sent you complaint but with wrong information on : What company was used to send the money? There is my company name, but should be : Chase JP Morgan United States Sorry for the mistake. 
Below is description : On XXXX I found on XXXX the XXXX. They offer good price for XXXX XXXX XXXX XXXX XXXX. I ordered from them XXXX kilograms for {$1000.00} per kilogram plus {$250.00} for shipping. On XXXX I sent them {$2300.00} by wire transfer. 
After the payment I wait and no shipping confirmation with tracking number from them. I searched on the Internet about this company and found that they cheat people. XXXX of harmed people ordered XXXX tone of chemicals, and he received only XXXX kilograms. In addition the shipping was labeled on other chemicals : http : XXXX I did not received From them any package. 
I asked banker for reverse my money I got from them case number : XXXX. 
On XXXX, XXXX I received call from XXXX and a man from Chase bank told me that he calling regarding this case. He said that he will do this and I must self call to XXXX and demand reverse the money.
On X/XX/17 I contacted 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 and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.
I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.