WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone.
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade  Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/XXXX
I had a balance with XXXX last year and it went to collections. I realized this when I got my credit score and subsequently paid off the amount of XXXX dollars in XX/XX/2017. However the collection still shows on my credit score and it affecting the score.
My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.
I have been a customer  of Wells Fargo  since   XX/XX/XXXX . I  started off with a secured credit card with a deposit of {$500.00}. After a year of use they refunded my deposit and increased the line to {$700.00}. Abo ut 6 months to 1 year l ater I had applied for an increase and they countered with {$900.00} limit. With my current liabilitie s ( mor tgage, car payments, etc,  my DTI is  only 25 % ). My current  credit score flu ctuates between mid and high  XXXX .  Income  is  XXXX  annually. I do have  XXXX  negative items from high school / college year s ( w hich have been paid off yet still lingering on my report - probably why I do n't have a  XXXX  score at the moment ). However, my report states  XXXX  missed payments on all accounts and my utilization is currently at 22 % ( and again Debt to income ratio is only 25 % ). I do not have any bankruptcies. I also had over {$50000.00} last year in a savings PMA account with  Wells Fargo.  Regardless of this they still would not increase my limit over {$900.00}. I applied with   XXXX   and I now have a {$16000.00} credit limit with  XXXX . This card allows me to make every day purchases while still keeping my utilization under 30 % ( which is known as good utilization ). As a result I had moved all my accounts over to  XXXX . The aforementioned facts are to help you understand why I am filing a formal complaint. I feel that  Wells Fargo ' s business practices are unethical. Considering credit is extremely important in all financial aspects in America, I feel suppressed by unwarranted reasons. The letter I had received in the mail had said I was denied due to " inquiries in last 2 years on credit report and high balance as compared to credit limit or revolving line ''. I had called customer service and expressed the inquiries were due to my home purchase last year. I had also asked how they could perceive a 22 % credit utilization as " high balance ''. She said I was not privy to know what they considered " high utilization '' as it 's part of their proprietary algorithm. That does n't seem very compliant with the fair credit reporting act. The last reason was " insufficient length of time accounts on credit report has been established ''. I have an account that is over 10  years old,  without missed payments, active and in good standing. Again she would not inform me what they considered a " sufficient length of time ''. Overall I feel that banks and credit lendors have an ethical responsibility to inform clients of their business practices and educate their clients as to achieving better credit status. I feel unfairly suppress ed by Wells Fargo and I hope others can learn from this experience.   Unfortunately closing the card would only hinder my credit status.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
On XX/XX/, I placed a voluntary security hold on my Coinbase account as a precaution after my cellphone and personal bank accounts were compromised. I explained to the Coinbase representative that my Coinbase account had NOT been compromised - rather, I was notifying them out of an abundance of caution. I asked that my account be placed on hold until further notice. 

On or about XX/XX/, upon confirming that all of my personal security issues had been resolved, I notified Coinbase and requested that they reinitiate my account access. 

Since that time, I have called Coinbase several times. Each time, I am told that my request for account access has been " escalated '' and has the " highest priority. '' However, each time they also told me that they did not have enough resources to respond to my request. I asked for a time estimate and was told that one could not be provided. I then asked whether it would be " days, '' " months, '' or " years '' and - shockingly, I was told they could not give me any estimate. 

On XX/XX/, I asked to speak with a supervisor named " XXXX. '' She refused to provide her last name. Once again, she would not provide a time estimate as to when my account access would be granted or when I would be able to close my account. 

During each of these calls, having grown frustrated, I indicated that I wanted to close my Coinbase account immediately. I was shocked when they responded that my account could not been closed while I don't have access. 

To date, I have not been able to access my account nor have I been able to close it.
I applied for and received a title loan on XX/XX/XXXX from XXXX in XXXX, NH. I had to give them the title to my XXXX XXXX XXXX in order to receive the loan. I got {$800.00} loan at 200 % interest. We made the following 3 payments, {$280.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, and {$240.00} on XX/XX/XXXX. Unfortunately the transmission on my car died and I can't afford to fix it or buy a new car, which caused me to lose my job. My fiance, who consigned, was hit by a XXXX XXXX yesterday, causing serious injuries that will put him out of work for at least a month. I called XXXX today to explain my situation as well as give them the location of the vehicle so they can repossess it. I spoke to a woman named XXXX who told me they weren't going to pick up the vehicle and that I still needed to resume payments. I told them that due to unforeseen circumstances I'm unable to make the payments, which is why I called them prior to the next payment being due and that's why I'm telling them where to pick up the vehicle. XXXX told me that's " not their problem and the money is still due ''. She then said collection calls to me, my fiance, and our friends that we listed as references will continue to resume. I told her XXXX  is not to call our friends under any circumstances, and since they don't want to work with us they can stop collection calls to us. XXXX said " that's not up to you, collection calls will resume '' and she hung up. I immediately called back and spoke to a woman who said her name was XXXX. When I asked how to spell her name she asked me why and I told her it was because I wanted to know who I was speaking with she repeated her name and when I told her I needed the spelling she then said okay then my name is XXXX. I proceeded to explain our situation to her and she cut me off by telling me that all collection calls will resume to both me my fiance and all three references on the application. When I told her to cease and desist all communication with me my fiance and anybody listed on the application she told me I can't make that request and collection calls will resume and hung up. At this point I was outraged and called back again, except this time they picked up and hung up three times. They must have called ID. I tried one more time and XXXX answered the phone, so I told her I was recording the call. She said " that's fine, pay your bill '' and hung up. I've already paid {$780.00} of the {$800.00} principal balance. I had no idea I'd lose my job because my car died andi had no transportation, or that my fiance would get hit by a car and be forced to miss work as well. I really thought by calling them, prior to the next payment being due, and being honest instead of ignoring their calls like most people do would be received in the unprofessional manner it was. I worked in XXXX  for years and if I ever spoke to a consumer in the manner they did, or lie about my name especially I would've been fired and surely reported to the FTC or FDCPA.
I received a letter From Bank of AMerica XX/XX/XXXX that my heloc on my condo rental property was going to reset on XX/XX/XXXX. I called immediately to discuss my options. I am currently paying interest only and now they want to convert to a regular mortgage at {$700.00} more a month then I am currently paying. I am unable to pay this so I asked for a modification. I was told it was too soon to start the process. I kept calling and XX/XX/XXXX I was told that I could not do anything more than XXXX days in advance. I waited the XXXX days and called back to start the process. I am upside down between the value of the property and the XXXX mortgage and the equity loan. I was told I would have to apply for a regular mortgage and get a denial letter. I went to XXXX mortgage brokers and was told there are no programs for me and they would not issue a denial letter. I had Bank of America mortgage dept talk to the Bank of America modification department and they told my cust serv rep XXXX XXXX that it was nonsense and they would send them the denial letter. When I called back they told me they had no record of speaking to their own mortgage department.. I repeatedly had issue with this customer service rep. I asked for a supervisor and was told I could n't speak to one. I asked for a different rep and was told I could n't have one. I kept calling back to check on the status and I was told each phone call that some item was missing. I asked them to tell me everything they need and I would send it to them. I finally had to write a letter explaining that all my troubles and that I wanted this XXXX XXXX removed from my account. I received a call from someone else and they told me they wanted more information. I finally got to the bottom of this and they said they had all the info they needed and my information was in underwriting. That was XX/XX/XXXX. It took from XX/XX/XXXX to XX/XX/XXXX to get this far. I have called back twice to check on the status and was told they are still reviewing it. It is supposed to reset on XX/XX/XXXX. I am out of time. I do not want to have to default on this loan to get someone to help me. I was hit 3 months ago with a {$8500.00} assessment that also has to be paid. I do n't know what else to do. At this point if I can not get any modification or answers I will have no choice but to default.
Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.
USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.
On XX/XX/XXXX, I submitted to the lender a package for loan modification. A few days later they said the package was complete and that the file was in underwriting. On XX/XX/XXXX I get an approval for a repayment plan from this lender and I get very upset because there is no way with my income that I could even come close to paying it. They want almost {$5000.00} up front which I do n't have, then my payments would be {$1400.00} per month. I have attached this approval which also states they did not review for anything else. I have also attached the same package I applied with so you can see how ridiculous this is. My gross income is {$2000.00} and Net is {$1500.00}. Even with my current mortgage payment of {$900.00}, I am at a deficit every month so how would I pay that much? I called the lender and explained this to them and this lady XXXX ID # XXXX told me that I should just get out of my house them and let them take it. Please help me with this, this lender is purposely doing this to take my home and they are not shy about saying it over the phone to me. I do not qualify for a repayment plan however I do qualify for a loan modification which this attached approval letter clearly shows they did n't even review for even though there is no way my income supports a repayment plan. Also, I did not receive the approval letter until mid- XX/XX/XXXX and it gave me until XX/XX/XXXX to appeal. This letter should have been mailed to immediately when they made the decision on XX/XX/XXXX not half a month later to take away my appeal period. I did appeal it on XX/XX/XXXX but today they stated I did not send them the appeal and it 's too late. This lender is playing games with my life and home and I need the CFPB to help because they are breaking all lender laws.
I asked experian why my experian the only credit report that is going down instead of going up. I am unable to get a straight answer or anyone to help me.
Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.
I attempted multiple times to recieve more information on the debt owed and the collector refused to give me any information but wants me to settle debt. Collection has been removed from all credit bureaus due to lack of information except XXXX.
I am very disappointed in the way your department and XXXX XXXX forced Chase Bank to admit there " unlawful collection pratices ''. It seems that the consumer, whom Chase Bank used these " unlawful pratices '' on, got nothing from the court action that was entered against them. I read the final transcript and it seems your office and the XXXX states whom were involved received a pay out of millions of dollars and the consumer, whom reported there conduct to each XXXX and your office came out of this legal action with nothing. The consumer was the first reporting party, your office and the other XXXX would not have been able to file the legal action if it was not for the consumer. Being XXXX of the XXXX comsumers from Washington XXXX whom Chase used these " pratices '' against, I was shocked and very upset that the XXXX XXXX dollars Chase was ordered to pay the XXXX of Washington was not going to be used to reinburse the consumer. I have been in contact with the XXXX here in Washington state and was told, in more ways then XXXX '' that there award was to be used for costs and education on any company thinking of using this method to collect debts. After checking my options for any legal actions against Chase also had me very upset. It appears the only legal action, as a consumer, that can be taken against Chase Bank is refined to a {$1000.00} award. The effects that have been felt through there actions goes way beyond a {$1000.00} award, and just the thought of the amount you office and the XXXX were awarded just made me sick. I thought your office, and the XXXX, were in place to punish companies that took advantage of the consumer? I must say that your conduct and the XXXX have shown me that reporting companies of unlawful pratices is not in the consumers best interest. I do have plenty of other items I find that are very underhanded but I have a feeling that there is no reason for me to provide them in my statement. I do not believe your office will understand how this has effected the consumer. I found this out when my XXXX office kicked me to the curb without even a phone call.
Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.