WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I have contacted Bank of America again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Bank of America owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Bank of America was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Bank of America has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Bank of America to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )
XXXX XXXX placed a collection on my credit report that does not belong to me. i have not signed any documents or agreed to any terms for treatment from their collectee, XXXX XXXX XXXX.
# 1-Date reported XX/XX/XXXX amount is {$8200.00} Bank of America- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy.

# 2-Date reported XX/XX/XXXX amount is {$3400.00} Bank of America showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX   Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX  showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX   on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX   this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

these three credit cards that are reporting a balance illegally on my credit report total = XXXX..

# 4- state collection- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XX/XX/XXXX on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my Equifax, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation
During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.
XXXX XXXX of Northstar Location Services ( XXXX ) is continually calling our phone number looking for my sister in law stating they are collecting a debt. We do not know how they got our number & my sister in law knows nothing about this. I e asked them to stop calling, to remove our number to no avail. I looked the company up & I see XXXX complaints. Please do what you need to do to shut this down asap!
I received an email alert that a fraud alert had been placed on my file XX/XX/2018. I called today XX/XX/18 to inquire as to why this alert was placed. After research, I was advised by the representative that the information had been received from one of the other bureaus and that is why it was placed. I contacted both XXXX and XXXX and neither of those even have an alert on my file.The representative removed the alert at my request however, I find it unconscionable that this company is able to do as they please with my credit file, lie about it with no repercussions.
Today Trans Union declined to issue my credit report to XXXX XXXX per my request. I contacted Trans Union and spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX who asked me for a pin because my account was on a credit freeze. I explained that the credit freeze was lift XX/XX/2015 with XXXX and that I previously filed Case number : XXXX with your agency to get the freeze removed. After asking a couple of questions, they said XXXX of the XXXX were wrong and continued to deny me my right to remove a credit freeze that was previously lifted at some considerable anguish previously. They also refuse to give me a contact number for the person in charge in the United States, since they were all based out of the country.
Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''
In XX/XX/XXXX 2014 my previous mortgage company XXXX XXXX ), sold our mortgage to Carrington Mortgage Services XXXX a branch of XXXX ) without any prior notification that this was even being considered. I do n't think mortgage companies should be allowed to sell our mortgages without any input from consumers. I was n't even notified that they acquired my mortgage until the XX/XX/XXXX 2014, almost 3 months after they bought it. I am an active duty military member and stationed XXXX XXXX my wife and kids are located in the XXXX area of XXXX state XXXX and the property associated with this mortgage is located in XXXX and is a Veterans Administration loan. 
When we discovered that Carrington Mortgage Services bought my mortgage, we called them to get some information as to what I needed to do to keep paying my mortgage, but their mortgage associate who we spoke to did not have any answers to any of our questions and we had to question what exactly was her purpose. They are not very helpful at all, and in fact is one of the worst customer service I have ever seen in any company. They then threatened to foreclose our home. We had to request a mortgage modification loan to get our mortgage back on track and end the foreclosure action. 
Once we started the mortgage modification process, they sent their associates in the local area of my property to take pictures and determine if the home was occupied. They did this on numerous occasions although we already informed them that our son and mother-in-law were living in the home. We had to send in all my documents they required for the mortgage modification on four separate occasions because they claimed that they did n't get it, or was somehow mis-placed in their facility somewhere. We faxed all our documents to them and also scanned and up-loaded them on their website as a backup. Hence, their excuses about it being mis-placed is nonsense. We honestly believe that they are simply incompetent and the myriad of departments they have do n't always communicate with each other.
I noticed on my credit report a collection account from Franklin Collection Service. I contacted them and requested a detailed description of charges as well as a signed document with the medical provider. The collection agency contacted XXXX XXXX Hospital and the hospital released to the collection agency a third party, my medical history, procedures, and tests without my consent. They did not send me a signed document from the medical provider. I feel that my rights have been violated. I never received a bill or notification from XXXX XXXX Hospital and this bill was placed on my credit report.
I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.
I have a lot of hard inquiries on my credit report not mine also slot if closed accounts paid in full please take all of these off
Problem with Equifax deleting a collection from XXXX XXXX XXXX. Wrote several dispute letters to remove XXXX XXXX XXXX XXXX dollar XXXX XXXX collection from XX/XX/2013 Wallet and checkbook was stolen a month before in XXXX. Police report was filed. XXXX XXXX  closed account before XX/XX/2013. XXXX  and XXXX  correctly based on theft fraud check
I am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON MY REPORT!
I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.
I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Unfortunately, I have a XXXX complaint to file in less than a full year against Citizens Bank, NA for awful banking policies and payment schedules. Again, I feel as though I am being taken advantage of by an institution in which I put my trust for my banking needs and services. 

To make a long story short, I set up some authorized debits for payment to other service providers during the week of XXXX. In fact, the XXXX providers in which I was scheduling payment for was XXXX services and Citizens Bank Credit Card services. Both of these payments were scheduled and processed on Thursday, XXXX XXXX. Of course, Citizens processed their credit card payment immediately, which posted to my account the following day on Friday, XXXX XXXX, 2017. Unfortunately, they withheld the payment to XXXX and placed the payment in my authorized holds and funds on my account. Well, the weekend passed, and the payment had still not posted on Monday, XXXX XXXX, 2017. It seemed as though my payments to other institutions were frozen, despite having had more than enough funds to make the payment. 

Fast forward to today, Tuesday, XXXX XXXX. I woke up and checked my account, as I am expecting a paycheck to clear and be posted to my account. To my surprise, the payment to XXXX is posted and processed for Monday, XXXX XXXX, 2017. Lucky for Citizens, this immediately over drafted me. Normally, if a payment posts to my account that will normally overdraft me, I have until XXXX that same evening to post a payment and bring my balance to the positive. Unfortunately, I was not given this opportunity, nor was I alerted that the processed payment to XXXX was posted. Instead, I was able to see the payment the day after it was supposedly processed to which I also received a overdraft fee attached. 

I have not encountered this particular set of circumstances in the past, and I am surprised that Citizens would actually allow a policy that causes so much confusion and frustration to stay in place. This is also not to mention that I have Overdraft Protection on my account to keep my purchases from going over my available funds. Once again, I feel like I have been duped by a large banking institution based on their inability to communicate proper payment schedules. Additionally, it is disheartening to know that they do not have the integrity to process payments in a timely manner to prevent these types of situations from reoccurring. It would be one thing if all of my pre-authorized debits had been placed on hold and processed on XXXX XXXX, but it is clear that Citizens gave their own payments priority over another institution 's to the extent that when they finally processed my payment to XXXX it was inevitably going to overdraft me. 

This is especially concerning due to the fact that the payments did not even show up on my posted payments, holds, and funds on citizensbank.com. In essence, there was no way to prevent an additional charge or payment from generating an overdraft, because the calculated funds left in my account were not accurate or up to date.
I was wrongfully foreclosed by Ocwen loan servicing they conducted an illegal foreclosure and sale of my house which is called dual tracking there has already been a class action lawsuit against Ocwen the Department of Justice conducted the decision because of State of California business oversight department and I am a victim I am currently fighting my 6th eviction in the past 5 Years From the largest corporate landlord who bought my home the name of the current owner is XXXX XXXX who has subsidiaries like XXXX XXXX XXXX a Delaware Limited company
On XX/XX/2018 I settled my account in full with Diversified Consultant Inc. I was advised of receiving my paid in full letter within the next 2 business days and that it would be removed from my credit. I took precaution to file a dispute of my own thru XXXX. I tried reaching out to Diversified Consultant Inc. several times regarding my concerns, but the consultant just keep giving me the same answer that they are working on it. Fast forward to today, I made another attempt to resolve the issue. The consultant, XXXX, stated to me that he is still working on getting my paid in full letter and that they do not remove items from the credit bureau. I asked XXXX that many creditors have done so in the past and Diversified Consultant has done it before based upon their previous client 's reviews. XXXX just simply stated that they do not do it and disconnected on me without true reasoning. I am contacting the Consumer Financial Protection Bureau to investigate the unfair, improper treatment of their clients.