WillisBack/dataset-financial-user-claim huggingface dataset:
I have been charged  XXXX  overdraft fees due to account error in balance as well as service/atm issues leaving me unable to deposit cash at several locations. I am being treated unfairly and being blamed for issues by bofa reps. Also experienced a lack of customer appreciation and gratitude for being a loyal customer.
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.
Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. 

The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. 

I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.
XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.
credit agencies insist on reporting adverse key factors to creditors. 
These key factors appear to be repetitive and has appeared in exact verbage from over two years ago. This issue was recently reported to Consumer Finance Protection Bureau. 
Latest credit file does not support these horrifying key factors. Also there is a huge disparity in credit scores. XXXX obtained a score of XXXX from TRANSUNION. I obtained a score of XXXX. TRANSUNION removed hard inquiries down to XXXX.
Fraudulent charges were charged to my credit card in the amount of {$3100.00}. I have a Fifth Third Bank/ XXXX credit card.
I have applied to several positions for work and on three separate occasions, the reports came back with INCORRECT information that belonged to another individual, but were associated with me. This occurred twice with XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX and once with Accurate Background XXXX XXXX/XXXX/XXXX XXXX. All three times it was the same information that appeared and I appealed each incident. I did not hear back from Accurate Background. I do not feel confident that they will correct this error, even with the information I gave them. I feel this incident will fall by the wayside again and my reputation and background will look much worse and jeopardize any potential future employment opportunities that I may have. The person that I am being associated with is named " XXXX XXXX '' and on the records the notes say that his middle name was taken down as " XXXX ''. That is not my middle name, nor is XXXX my last name. The incidents that occurred all took place in XXXX, IL. I have never lived in XXXX, IL or been arrested there ever in my life. My residential history will also confirm this and will conflict with the reported dates of the charges associated with XXXX XXXX XXXX. These include : 1 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 2 ) MXXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX )
BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING
Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved immediately.
Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.
In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX Date Opened :XX/XX/XXXXBalance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date OpenedXX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XX/XX/XXXXAccount # XXXX  Date OpenedXX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX GA XXXX  Equifax Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   Equifax has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX
Creditor is reporting accounts that are invalid and unverified. Equifax, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.
On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.
Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer  contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.
On XX/XX/2018 ; I made a {$600.00} cash deposit at my neighbors US Bank. After taking the money, the ATM displayed a message and gave me a printed receipt stating it encountered an error and can not deposit or return my money. It say I should call the XXXX # on the receipt.

I called the number straightaway and I was told it issue should correct itself within 24 hours.

I have check or call back everyday since and the issue has not been resolved. I went into the branch and was told there is nothing they can do until the ATM is fixed. It has been 5 days and I still dont have my money.
I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM EXPERIAN CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
In  XXXX  I was shopping wh en my   XXXX   XXXX   debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified   XXXX   XXXX   i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through.    XXXX  of the charges were associated with   XXXX   transactions. I do not have ( nor ever  had )  a   XXXX    account.  <P/> Today (  XXXX / XXXX / 17  ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the  XXXX  individual charges of {$13.00} each plus fees for a total of {$44.00}.  <P/> I dispute this debt. I did not use  XXXX , have never had a  XXXX  account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.
Credit Technologies Did a hard credit pull on my account on XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA  and they are not removing them after I have spoken to the cooperate office who stated it would be resolved on XX/XX/XXXX instead the hard inquiry is still there. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit
In XX/XX/XXXX, Ditech Financial LLC, asked us to do a modification loan thriugh them, but it would be extended to 40yrs.So we declined offer.Also we are only two payments behind on mortgage, although they claiming its over 120 days.I have bank statements .So on XX/XX/XXXX, we got letter from XXXX XXXX XXXX XXXX and XXXX , XXXX that theywill start legal proceedings, giving us 30 days to dispute.Ditech also is holding a payment check of XXXX that i sent on the XX/XX/XXXX. They wont apply it to mortgage.They claim we owe XXXX.We have been assigned account rep.by name of XXXX XXXX.at XXXX XXXX XXXX XXXX
In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX  XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, XXXX XXXX XXXX, via email and phone. I was referred by them to Halsted Financial Services, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # XXXX ...?
I am filing a complaint on Citizens Bank for the fees and charges I incurred that were not made availablre when i signed up for account
XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.
I received a phone call from a lady named XXXX. She started giving out information about me before even making sure she was speaking to me. She did not tell me the call was being record. She stated that I owe a debt. I kindly asked her not call me on my cell phone and she said fine and asked for another number. I advised her that I do not have another phone number. She said that she had my work phone number. I told her she is to not call my employer. She said she was not calling me at work but she would be calling my HR department to advise them of my debt to verify my employment. I advised her she is not allowed to contact my employer and she said she has every right to contact my employer. I kept repeating NOT to call my employer and she told me to have a nice day and hung up on me. I called back and asked for a supervisor. I spoke to XXXX who also said they have every right to contact my employer. I told him that he is NOT to call my employer and she said they were going to call them even though I told them not to. I felt threaten by this company that they were trying to have me fired from my job. The debt they are trying to collect on is 12 years old and has been sold from collection agency to collection agency. This company uses threat tactics to get people to pay and they are not allowed to threaten me or anyone else.