WillisBack/dataset-financial-user-claim huggingface dataset:
After I was divorced, my ex Wife XXXX XXXX XXXX, applied for a Government back refinance of our old home, Bank Of America approved her application. At the time Bank of America sent me via XXXX documents to sign, which I DID NOT SIGN OR RETURN TO THEM. I still have the documents. 
They still approved her loan and she has been paying it on time and in full for XXXX years now. 
My complaint is that Bank of America lists loan number XXXX on my Credit Report, and despite multiple letters, refuses to remove this mortgage from my credit report. Making it look as if I already have a mortgage. And preventing me from buying my own VA financed home. Again today I was almost pre-approved for a home loan, but that house pops up. Paid on time and in full every month. But I DID NOT sign the loan app and it is not mine. And does not belong on my credit report.
I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.
The original company I signed up to work with was sold off. Since then, XXXX XXXX has been uncooperative. I 've called in the past and attempted to make additional payments over the phone and the company has refused to take my payments. The company also basically informed me that there is no way for me to make additional payments electronically that would aid in me paying off the mortgage sooner. On XX/XX/XXXX, I called and asked them if I could simply MOVE one payment (XX/XX/XXXXXX/XX/XXXX ) to ( XX/XX/XXXX ) due to some critical events that have happened in my life. I have never been late in the 10+ years that I have had this mortgage. XXXX at XXXX XXXX refused to honor my request. Life happens and the mortgage company should be flexible to reasonable requests. I FEEL THAT THIS MORTGAGE COMPANY IS IN THE BUSINESS OF TAKING MY MONEY AND KEEPING ME IN DEBT BY NOT ALLOWING ME TO MAKE ADDITIONAL PAYMENTS AND BY NOT ALLOWING ME TO PROACTIVELY MAKE A PAYMENT ARRANGEMENT FOR " ONE '' PAYMENT IN 10+ YEARS!!!!!!! THEN IF I AM LATE, THEY WANT TO STOMP ON THE CONSUMER AND THROW IN YOUR FACE THAT YOU WERE LATE. I need a third party to get involved since this mortgage company is one of the companies that was responsible for the 2008 financial crisis that our country had to endure. In addition, when I called to work the situation out with them, XXXX refused to give me a case number as evidence that I officially called with my concern/request. What customer service refuses to document or provide you with a case number as evidence of your call? Apparently, XXXX XXXXe customer service does. This is not an acceptable customer service practice to me and needs to be investigated.
ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments. 
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}. 
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018. 
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX.
XXXX XXXX XXXX based out of XXXX Utah/ XXXX  XXXX , Idaho won't report my accounts are being paid. They are garnishing my wages, but refuse to report the account as paid.
I have two issues on my report that are incorrect. 

Citicards XXXX Acct XXXX - this is not my account. I have tried to have this removed before. I do n't know who it belongs to but someone is obviously paying it. I just need it removed from my social security number. high limit {$30000.00} monthly payment {$110.00} Account Header Balance XXXX Derogatory Info - XXXX XXXX - I do not owe them anything and have never been late so this needs to be removed from the Derogatory section of my report. XXXX XXXX XXXX monthly payment 0 Header balance 0
I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.
Portfolio Recovery Associates XXXX has been contacting me about a debt they say I owe them, I have never done business with them, nor do I owe them any money, no credt has been extended nor any services ever rendered to me from this company. They have been calling my work place during working hours. Account # XXXX. I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between PFR XXXX and I that im responsible for the debt on this account. Thank you
I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Lendmark is reporting that I owe  XXXX  for a loan. My collateral was a  XXXX  that my husband got in a divorce decree ... he took on that debt as well. I also filed bankruptcy in   XXXX   and this was included. I never owed  XXXX
I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.
Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. 

Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent account.
Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!
I have already cancelled one XXXX credit card over recent changes to terms with Firearms sellers. However the recent revelation that my major financial institution, Bank of America, is among those institutions looking at ways to track/limit my purchase of a legal product intended for lawful uses. ( XXXX XXXX XXXX ) has the potential to make it nearly impossible to go about daily life without agreeing to give up my fundamental constitutional rights. 

The ability to use a credit card with freedom from viewpoint discrimination is critical to life in modern society. The CFPB was created because it was understood that financial decisions by private corporations can destroy the lives of millions of individual customers if not handled fairly and honestly. Asking customers to expose themselves to having their transactions arbitrarily denied, or cards cancelled, based on what we choose to purchase is an overstepping of boundaries. Such decisions should only be made on financial grounds like card balance limits, not what is being purchased. 

Imagine a world in which your purchases are denied solely becuase your life choices do not match the whims of the corporation on any particular day. No XXXX transactions because our company makes more profit from large taxi companies. No political donations to members of the political parties that our executives don't support. Sorry, we can't process your monthly XXXX bill payment because our corporate cell provider is XXXX. Expressing your corporate opinion via charity or special incentives is one thing and is understandable. Forcing your corporate opinion in the private lives of your customers is another thing and is totally unacceptable. 

Just because these corporate policies take care to not stray into legally protected areas of discrimination like race and religion doesn't make viewpoint discrimination right even if it may not have violated any laws, at least not yet. No matter which side any individual takes on any issue, I doubt most customers want their credit card companies second guessing their individual purchasing decisions on a daily basis. The potential for abuse is just too large, and such policies may need to be regulated if corporations continue down this path.
I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with XXXX XXXX   for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
A verification of employment was sent to my job today. I had no idea that this account was even outstanding. I called the company Western Control Services and talked to XXXX different reps, no one properly verified my info just my name, no one gave the Mini Miranda to me either. I was told that a woman that I have never heard of was served my lawsuit paperwork so I was really never even informed of this lawsuit. I tried to work out an arrangement with them and was told that I had to pay the bif off within 3 months.
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK AUT which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK AUT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have a credit card account with USAA XXXX. I used the no paper option and conducted all business with them online. Last year I began to have problems with their security system. For reasons I am unable to understand, they began to lock me out of my online account. After the second time this happened, I decided to close the account. I wrote a letter to them dated XXXX/XXXX/XXXX requesting that they close the account and send me a final paper statement. I received no response. On XXXX/XXXX/XXXX I wrote a second letter, requesting the same thing and specifically revoking the " paperless '' option for all my accounts with them. Again, I have received no response. Since, I am locked out of my online account, I ca n't determine if there is any final balance on the account, and if so, how much.