WillisBack/dataset-financial-user-claim huggingface dataset:
When I had my checkbook stolen in 2016, I opened a new account with Bank of America and was pushed into opening a Business Checking Account that was inappropriate for my needs. I informed the representative who opened that account that I would be transitioning back into " XXXX-status '' and still the representative advised that I open a Business Checking Account with the bank. I had the account for approximately two years, and late fees began to accumulate on the account. When student loans were deposited in my Savings account, BofA transferred at least {$1200.00} from my Savings to cover the ridiculous late fees. The bank literally stole money without my permission from my Savings to cover {$1200.00} in late fees. They also refused to refund any of the fees when I complained to a branch representative about the issue. I would like help in addressing this and receiving a refund.
I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.
Paramount Residential Mortgage Group manager XXXX XXXX constantly bombarded me with the idea that he could get us approved for a mortgage with no problems. He initially gave us a preapproval for $ 300+.  Even after reviewing our information he said we would have no problem closing. Then he pawned us off on a young kid who literally did nothing for us. He never returned our phone calls, or to our realtor. He blew off my concerns and assured me we would close on time even though he was not consistent with communication. Nearing our closing date he told us we would not be able to close on the initial date we agreed upon. Weeks go by without communication again and finally he states my credit is no longer sufficient. This is after he does multiple hard inquiries! As it turned out, I paid a couple credit cards too early and they were considered not paid in the correct statement period. I contacted each company to resolve this on my credit and they agreed to do so. However, without my permission, Paramount decided to disclose my credit history to the sellers realtor and stated " I do not pay my bills, so find a new buyer '' ... Then they killed my loan. They also NEVER told me any of this, so I thought my loan was still in process! The sellers realtor let my realtor know via email the context of conversation between her and MY lender. I am now out {$700.00} earnest money, {$700.00} appraisal fee and the loss of the house and my realtors commissions. And the sellers in turn lost the home they were purchasing as well. 



Paramount Residential Mortgage Group - XXXX XXXX. 

Address : XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX
There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
On XXXX/XXXX/XXXX at approximately XXXX XXXX I called Ditech regarding a credit alert I received from XXXX Credit Monitoring, provided through the Fed Govt, regarding a past due payment of 120 days or XXXX or more payments that had posted on XXXX XXXX, XXXX. The XXXX email was sent to me on XXXX XXXX, XXXX. On XXXX/XXXX/XXXX I noticed a credit score on my XXXX XXXX had dropped from XXXX down to about XXXX which was confusing and concerning so I got on my computer to recheck the CSID email that showed the alert from Ditech XXXX 
When I called Ditech I spoke to XXXX and explained that what I had found on XXXX and that I did n't know who or what Ditech was, XXXX informed me they were previously Green Tree. After pulling up account info they had under my name it had reflected a prior loan that I had with them which was sold back in XXXX XXXX which I had done a short sale on. XXXX had never seen this issue before and put me on hold to ask a supervisor about it. When XXXX returned she informed me that Green Tree / Ditech had updated some previous accounts that had been missed in the past and that mine was XXXX of them. She told me that these updates should not reflect a negative impact or score on your credit, at which point I informed her what started my inquiry into all of this was noticing my credit score drop on my XXXX XXXX XXXX then told me that because this was something unusual that she was going to email my information up her chain to a supervisor so they can get it resolved and make sure my credit has not been negatively impacted. I provided XXXX my phone number and she stated that I should be getting a call back within 7 days with everything resolved. I checked back with Ditech 7 days later and was informed that XXXX had sent my case to the wrong department and it was kicked back sitting idle with nothing being done to resolve the issue. The Ditech representative assured me that she would forward it to the correct department for resolution, I am still wating for a response. 
On XXXX/XXXX/XXXX I contacted XXXX and they informed me that Ditech showed me as having XXXX accounts, XXXX of which was closed back in XXXX XXXX with no outstanding balance and the second account showing active with a balance of {$140000.00} and being 180 days late in payment as of XXXX and XXXX of XXXX. XXXX stated that the second account did show the same loan amount as the first account and stated it looked as if Ditech resubmitted the first account again. I submitted a dispute with XXXX XXXX and XXXX.
I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX   again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.
On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to XXXX  according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to XXXX.
I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.
The collection agency explicitly told me that if I paid on time and paid the monthly amount they wanted that I could avoid having a negative mark put onto my credit report. 

After paying them on time, and paying the amounts they requested, they then reported the collection AFTER I had finished paying them off. To be clear - They held off on reporting the collections debt until I had finished paying them off in full WITH interest as well! 

In addition to that, the last written email contact I had with them when requesting an exact amount to pay off had them reply back with " about {$110.00} ''. They did not give an exact amount. On my last payment I paid {$120.00}, just to be safe. I never received any confirmation that the debt was paid off nor have I received any money owed back ( if we stick with the assumption that I owed {$110.00} and some change, then they owe me at least {$4.00} and some change )! 

The only way that I know the debt was paid off was by the collection remark on my credit report showing a {$0.00} balance on the collection amount and it being marked as paid.
The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.
I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made 10 consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made 18 consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me 27 months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
I 've had problems with HSBC MasterCard and after multiple calls to HSBC customer support and Customer Relations office HSBC refunded late feed on the account. HSBC promised to refund all late charges and on XXXX XXXX, 2016 HSBC customer service told me the M/C account balance was {$0.00}. On XXXX XXXX, 2016 HSBC sent me a bill forl {$37.00} in late charges on an outstanding balance of {$0.00}. HSBC failed to do as promised and refund all late charges on this Master Card account.
On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.
CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.
Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!
The Accounts and Amounts have been dismissed in XXXX County Superior Court ( Ga. ) on XXXX/XXXX/2015. I have documentation stating that fact, and it is available at XXXX Superior XXXXXXXX XXXX XXXX, Ga.XXXX
Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.
In 2014 I started an account with US Bank after being talked into it by a coworker, who said they were great. I started a checking and savings account with no bounce protection because I did n't want to spend money I did n't have in my account. However I was told by their employee about changing my protection to not have fees on the account by the mobile banking app. Just in case I ever was near over drafting, I went ahead and changed the overdraft protection in XX/XX/XXXX thinking I would be better protected but it changed my account type so much I got hit with XXXX {$36.00} charges. When calling customer service I was told I would need to speak to the rep that started my service ( who no longer works there ) and I told them this and they did n't care. I told my same story to a XXXX in management and she said I would have to ask the bank manager for reimbursement and if they had issues with that rep in the past then they would credit. If they did n't though, they would n't credit the fees. I was lied too by a rep and the bank refuses to do anything. I understand corporate policy, but you should take care of your customers too.