WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX  does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX  stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX  even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans  should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX  anything
On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.
About ten years ago, I was mislead by a XXXX, California Citibank investment account representative into opening a Brokerage account by investing in a XXXX XXXX XXXX that I later found out was newly established. He pressured me into opening the account and formed an inaccurate financial picture of me but failed to tell me that I could cancel the account within a few days while I went overseas. Needless to say, that account representative no longer works for the company. My account was charged the {$75.00} maintenance fee even though I had enough funds to have the {$75.00} amount waived ; the representative never told me there was a fee or that my account would not be charged the fee. I filed a complaint against the broker but it went unheeded. I spoke with a representative at Citibank brokerage about the fee but was advised that the fees could not be waived retroactively. I have been a Citibank customer for over fifteen years and am owed at least {$750.00} for the annual maintenance fee Citibank brokerage charges for the account. 

I will be closing my account and taking my hard earned earnings elsewhere due to the subpar customer service at the branch in XXXX and XXXX XXXX.
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel  and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) Capital One Bank, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.
Half a year or so ago, my American Express XXXX XXXX account was hacked and used for fraudulent activities. 

{$500.00} was on my account at the beginning of the fraudulent activity. On the first day, the perpetrator used my credit card account which was linked to the OneVIP Serve account to transfer a daily maximum of {$200.00}. Afterwords, he/she withdrew the money as an " Unauthorized transaction '' ( the money went to an account to the name which I do not have any recollection of, seen when I logged-in at a later date ). The next day, {$200.00} was transferred to Serve using the credit card and then withdrawn into the the same unknown name as an unauthorized transaction. At this point, I logged in and found out my account was being targeted for fraud. I called XXXX to gain access to my account ( email, password, & personal information were changed ), remove my credit card from the account, then called XXXX again to submit a fraud claim. I did not receive any notification or alerts when the perpetrator changed nearly all of my account information. 

An American Express Serve account representative has told me that the transactions were valid and that they can not recoup my losses.They have closed my account as the representative told me it was standard procedure when a fraudulent activity report is denied. 

At this point, {$400.00} has been returned to me by the credit card company ( XXXX XXXX ) for the two unauthorized transactions of {$200.00} each. XXXX is unwilling to recoup the {$500.00} I lost from the unauthorized transactions. I have submitted a CFPB complaint a few months ago and no resolution has come.
Name of the product or service involved. - REFINANCE The dollar amount in dispute. - {$400.00} APPRAISAL FEE The date of the transaction. - XXXX/XXXX/2016 Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. - I COMMUNICATED WITH QUICKEN LOANS MY BELIEF THAT I WAS N'T TREATED FAIRLY DURING THE REFINANCE LOAN APPLICATION PROCESS, IN PARTICULAR, IN THE HANDLING OF THE ENTIRE APPRAISAL PROCESS. ESSENTIALLY MY GRIEVANCE WAS THAT I MAY HAVE BEEN A VICTIM OF A " BAIT AND SWITCH '' TACTIC. IN SHORT, BEFORE I APPLIED TO REFINANCE WITH QL, I SHOPPED AROUND FOR THE BEST DEAL AND SHARED QL 'S LOAN ESTIMATE WITH MULTIPLE LENDERS. THE FEEDBACK I RECEIVED FROM THE OTHER LENDERS WAS THAT THE XXXX PROVIDED BY QL WAS BELOW MARKET AT THE TIME AND TYPICALLY WOULD REQUIRE PAYING POINTS TO BUY DOWN AT QL 'S QUOTED RATE. I ELECTED TO MOVE FORWARD WITH QL IN GOOD FAITH. AS THE APPRAISAL PROCESS UNFOLDED, THERE WERE RED FLAGS. IN PARTICULAR, THE APPRAISAL COMPANY USED ( XXXX XXXX ) IS AFFILIATED WITH QL AND BOTH XXXX AND QL ARE OWNED SUBIDIARIES OF XXXX XXXX XXXX AS THE APPRAISAL PROCESS UNFOLED, THE OUTCOME WAS ME BEING CHARGED POINTS FOR THE LOAN WHICH TURNS OUT TO BE WHAT THE LENDERS FORETOLD ME. I SHARED MY CONCERNS WITH QL AND REQUESTED FOR A REFUND OF MY APPRAISAL FEE DUE TO THE POSSIBLE CONFLICT OF INTEREST BETWEEN XXXX AND QL. UNFORTUNATELY, WE WERE NOT ABLE TO COME TO A SATISFACTORY CONCLUSION. I HAVE ELECTED TO WITHDRAW MY REFINANCE APPLICATION AND PURSUE RECOURSE SUCH AS THIS COMPLAINT.
I have sent multiple letters to XXXX National Consumer Assistance Department TransUnion Consumer Relations, and XXXX Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : XX/XX/XXXX,XX/XX/XXXX. Online disputes : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX (XX/XX/XXXX {$1100.00} closed unverified ) TransUnion Consumer Relations Dates : Certified Letter :XX/XX/XXXX. Online Disputes :XX/XX/XXXX, XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX (XX/XX/XXXX XXXX {$1100.00} open unverified ) XXXX Credit Information Services Dates : Certified Letter : XX/XX/XXXX. Online Disputes : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ),XX/XX/XXXX ( {$160.00} closed unverified ), XXXX XX/XX/XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with Transunion, XX/XX/XXXX, & XX/XX/XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.
My Complaint now lies on EXPER IAN Credit Reporting age ncy.   I filed a complaint with cfpb against  XXXX .  XXXX  responded with this : Responded on  X/XX/2017    Response Type : Closed with explanation : Company 's Response : We have reviewed our records in this matter, and find the following. Our office is not credit reporting any debts for this consumer. Our office is in possession of multiple accounts for a consumer with the same name, but a different social security number. As such, the error lies with the credit bureaus themselves and must be addressed with them. This is a common situation known as a " mixed file '', whereby the bureaus have mistakenly matched our reporting with an incorrect consumer. This usually occurs in a  XXXX /  XXXX   situation. We have verified back to the bureaus that the social security number we are reporting does not match that of the consumer in question. The consumer should dispute the accounts with the credit bureaus, once they have verified the social security numbers do not match, they should delete the entries.
I received a letter dated XXXX XXXX, XXXX from Commonwealth Financial services ( letter attached ) requesting to pay an amount of {$810.00} for XXXX XXXX XXXX ( Ambulance Fees ) date of service XXXX XXXX, XXXX, and in their letter they asked me to respond to them within 30 days if I am going to dispute this or admit to it, but on XX/XX/XXXX just for days after they have sent the letter they have reported it as a collection on my credit and this has affected my credit a lot. I have reported a dispute to 2 of the agencies and sent this company a letter of investigation. ( documents attached ). 
This company did not wait for the 30 days to get my respond before reporting it as a collection that caused damage to my credit. 
This fee was for an ambulance ride for about a mile distance from the hospital as I XXXX my leg in a park and my kids called for help, at that time I had XXXX XXXX  XXXX  that covered all treatments and should have covered this ride, and in XXXX I received a call from them or some one represent them and I gave them the Insurance details and did not hear back from them again until now. 
I had medical insurance that covers this and I have provided them with the information at that time, and they could have contacted me directly if they had any issues with it, but after 3 years I find out it has been sent to collection. 
I still insist that this bill was covered under my insurance at that time.
I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech XXXX!
I recently had two companies put a inquiry on my credit Experian credit report unauthorized on XX/XX/2018.

XXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone : XXXX   I contacted this Bank and spoke with several departments and they said they do not have any application on me and that they don't know who pulled my credit and refused to give me a letter showing that, so I could give to Experian because they said they cant give me a letter due to I haven't filled out any application. I don't understand why my credit was pulled by them in the first place. I want this removed from my credit and have exhausted every other option and Experian suggested I contact y'all.

XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX  Phone : XXXX Never heard of them before, will not answer the line given above. This company seems to be a scam artist. I have called everyday and a ladies voicemail name XXXX  is all you will get. They were not authorized to pull my credit. I need some help here.
I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated
XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX CHASE CARDMEMBER SERVICE XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
on XX/XX/2018 i sent {$300.00} to my friend ac through XXXX having a cell # XXXX with conf # XXXX XXXX XXXX my ac was debited but it was not credited in my friend ac till today. 
i got affidavite from my friend that till today he has not received credit in his ac at XXXX XXXX. 
bank of america said they send at the right place .they never call on given cell # that money was received or not .my friend became my best enemy and he disconnected my friendship and now i am facing lot of XXXX  XXXX and XXXX problem due to this .i need compassation also for that as many times i personnally contacted bofa in XXXX il branch and wested more than 10 hrs. three times.my cell # XXXX thanks
Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.
My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over. 

My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property. 

In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX. 

I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours. 

From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time. 

My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month. 

I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months. 

My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change. 

I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly. 

Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.