WillisBack/dataset-financial-user-claim huggingface dataset:
Statement of Facts 1. XXXX XXXX banker offered me a revolving line of credit for use for my professional medical practice of $ XXXX. This was issued on or around XX/XX/XXXX. He fraudulently induced me into this contract by stating this line of credit " would be automatically renewed '' ( see attachment ). 

2. The account was maintained responsibly, on time payments, never late or delinquent. 

3. When I went online to make the next on time payment XX/XX/XXXX no information was available about a payment due. When I went in person to the branch, the banker confirmed and accepted the minimum monthly payment of approximately {$600.00} which I made on or around XX/XX/XXXX. 

3. Because I was still unable to access any account information on or around XX/XX/XXXX my banker XXXX XXXX CA branch discovered that the balance of {$75000.00} was due and payable in full as of XX/XX/XXXX. However, he promised my credit would not be harmed in any way because he would reinstate the credit line so that the balance would not be due in full. ( XXXX had replaced XXXX who quit without informing XXXX of our agreement. ) 4. I did not receive any notification that the balance would be due on XX/XX/XXXX 

4. Subsequently, XXXX failed and refused to return my calls. Around XXXX I discovered that contrary to his promises, this account was reporting as XXXX days late, which ruined my credit score, and caused me medical, financial, and emotional losses. 

5. On or around XX/XX/XXXX I was informed that XXXX no longer worked at XXXX but he failed and refused to properly handle my account. 

6. The Bank agreed to remove the late payments due to the error under the condition that I agree to an installment loan of $ XXXX at a predatory interest rate of XXXX % interest per annum, wtih payments of {$2200.00}. I did not want an installment loan ; I wanted a revolving open line of credit for patient care and medical supplies which I was promised at the onset in XX/XX/XXXX. 

6. On XXXX I received and signed the new installment loan documents under duress and contrary to the written agreements of XXXX to automatically renew the line of credit. 

7. To date, as of XX/XX/XXXX, the Bank has failed and refused to update my account as paid in full never late. By inducing me to sign a new set of loan documents while not fixing my credit, the bank is putting me into an untenable position of denying me the ability or means to satisfy these obligations. 

8. Furthermore, I underwent a serious life-threatening medical procedure in XX/XX/XXXX, and the Bank 's mishandling and misrepresentation of these accounts has caused me mental and emotional anguish complicating my full recovery in which I have been denied adequate XXXX XXXX on the basis of my credit, causing me XXXX seeking protection under the Americans with XXXX XXXX ( XX/XX/XXXX ) and applicable law.
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!
Back in XX/XX/XXXX, I received a phone call from XXXX XXXX, a gentleman advised me that their company is attempting to collect a debt and that this items is already placed on my credit report, he is giving me the opportunity to pay the debt. I advised him that I do not owe anything to this company. This debt was paid through Federal Student Loans, Subsidized Loans and Pell Grants and if he placed anything on my credit report I will sue. I received a letter back in XXXX advising me that they can cut the payments to pay in full for {$12.00}, why would I pay for a debt I don't owe. On XX/XX/XXXX, I received a letter stating that I have verbally disputed this account and they will hold off on any proceedings, I wrote them a letter dated XX/XX/XXXX stating to validate this debt, In all correspondences this company never validated this debt nor sent me any information to prove this debt which I asked but now this company is on my credit report.
Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.
I 've placed a fraud alert on my account, yet Experian continues releasing my report to companies that do n't meet the criteria for a report release such as fair use. These inquiries must immediately be deleted because they are damaging and illegal.
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip XXXX
On XXXX XXXX,2017 I received collections and process of foreclosure on my home.
I have not receive a approval from First Continental Mortgage on my VA Loan Modification and affordable mortgage payments have not been implemented.
I already contacted HOPE Program Counselor on Satuday. XXXX XXXX,2017 and I have a case caller ID # XXXX ( HOPE Program contact XXXX .I am already enrolled.I can not afford to pay {$5600.00}.
VA Loan Modification should have been approved and completed. We are going to the month of XXXX 2017 and like to start making my affordable timely VA Mortgage payments starting XXXX XXXX,2017.
I will send verification on First Continental Mortgage collection by electronically email to Federal Government and ADA Disability Act under Department of Justice.I am XXXX Lifetime and Retired and love to stay in my home.
Urgent Matters!
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, XXXX, and Experian To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
Hello I have been a Barclays account holder for several years having multiple accounts. They ended up closing my Barclay Arrival XXXX ending in XXXX however they did not release the accrued rewards in the account. I talked to someone when I inquired about my account closure and it was my understanding that I would receive a check for the rewards that were accured which was for over {$1000.00}. I have not seen any credit/check from Barclay and any further communication to them tells me I will get account closure info in the mail. On my XXXX XXXX, 2015 statement it indicated I had XXXX reward points available. However I have not been able to get these rewards out.
I am having a problem with Synchrony Bank regarding a Chevron/ Texaco Credit Card . This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract and also says that they do not own this debt anymore as they have sold it to another company, yet they are reporting it the the credit bureaus. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016. 
Synchrony bank can not provide validation of the debt, they admit they do not own the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
On X/XX/17 at XXXX I called Santander Banks mortgage service number at XXXX. I was trying to find out how to begin making bi weekly mortgage payments. The back of my statement states " Any additional funds will be applied to the principal if the loan is current ''. I did not want my payment of XXXX to be applied to principal. Instead I wanted it to be posted as a regular payment and then the other half in the amount of XXXX to be paid on XXXX would make up my full XXXX payment. <P/>I was told that Santander Bank does not accept bi weekly payments. I find it unacceptable that I can not pay the money I owe in a way that reduces the principal of my loan more quickly and will therefore reduce the amount of interest I have to pay and reduce the term of my loan. <P/>Bi Weekly payments seem like a common and pretty basic thing that should be available.
There is a duplicate item on my credit report with equifax. I have told them both on the phone and through the dispute process that it is a duplicate. Its obvious as well because both accounts have the same balance and the same account number. For some odd reason there is a different reporting date. I talked to the reporting company and they said that they agree it is a duplicate. No matter how many times I dispute this item equifax refuses to do an actual investigation. Its unreal that they could get away with incompetence on this level.
I just received a new XXXX credit card from Bank of America. You can see all your credit card information on Bank of America 's normal website, which is the same site that contains all of my Bank of America bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me.
A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.
On XX/XX/2018 i received a letter from a collection agency - Financial Corporation of America trying to collect a debt in the amount of {$190.00} for XXXX XXXX XXXX XXXX. I sent a check to XXXX XXXX a check on XXXX-XXXX-18 and the check was deposited in their account on XX/XX/18. Per conversation with a representative at Financial Corporation of America, the collection request sent to them on XX/XX/2018. 
I need to have this investigated
I received the payment booklet on XX/XX/2018 from XXXX the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
XXXX falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again XXXX reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.
Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the account.
XXXX XXXX XXXX This account has never been late ... 

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.
I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already
This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.
False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed
XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.
Every time that I called to try and alter my repayment type, they were saying that there was really no way to improve upon my payments. For some reason, I was still having to pay over {$2000.00} a month. This took a huge hit on my financial situation, and eventually had to go a different private route that has become difficult on its own. I also felt that every time I made a payment, the total principal barely went down. When I questioned this to them, they were saying that I was unable to pay off the principal more, and was only able to pay the interest at this time and what was minimally owned. It became increasingly frustrating that I was being forced to pay so much off, and the principal barely lessened over time. Something definitely seems off.
XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.
I disputed an collection account with XXXX  2 months ago for an account that is not mines and they failed to investigate and delete.
XXXX XXXX, closed account opened on XX/XX/2018 in the amount of {$500.00}. Negative item was disputed, and an investigation was concluded but with no Physical validation of ownership
I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.
Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).