WillisBack/dataset-financial-user-claim huggingface dataset:
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, NW XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( Experian, XXXX, XXXX ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( Experian ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( Experian ) Childsupport - {$7300.00} ( XXXX   and Experian ) XXXX XXXX - {$3500.00} ( Experian )
I used to have a joint account with my former husband XXXX XXXX at Bank of America.

I divorced him because he was involved in XXXX XXXX and fraud to the IRS.

After my divorce, Bank of America has been reporting false information bout my payment records.

I must mention that it was I, who took in the responsibility to made the payments when I was married.

I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive.

My records still have the wrong information that Bank of America reports.

I need to clear my records.

Thank you.
I have had a mortgage with Green Tree financial for well over XXXX years. I have tried numerous times to get them to refinance for a lower interest rate. I have had some ups and downs but over the past XXXX years we have been perfect, but yet they say they do no refinancing on existing loans. I have been paying 13 % on a mortgage that is crazy. I have vehicles and much more that have qualified for 5 %, but yet I ca n't get them to respond. Being bad is XXXX thing but this is really taking advantage of people and really bad business. I just wonder how many people they are really ripping off.
We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong address.
In XXXX 2016 I checked my credit report and all of the inquiries had been deleted, however I checked my report and see they were put back with no notification. I would like these inquiries removed immediately.
XXXX has received assignment of the note while it was in default. This makes them a third party debt collector. XXXX used XXXX management to service the Loan. I informed them of my rights and protection under the Fair debt collection Practices act by certified mail. XXXX continued to try to collect on this note even though they were sent notices to cease and desist. XXXX has filed action in court to foreclose on XX/XX/XXXX. I have no lawful binding contract with XXXX. The loan was in default on XX/XX/XXXX, XXXX was assigned the note on XX/XX/XXXX. I have sent notices to the previous servicer XXXX and they stop their attempts and sold the debt to XXXX.
This is about the Equifax data breach. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
I had a loan for my XXXX thru Honda Financial Services. I had automatic bi monthly payments set up thru XXXX for a 5 year loan. I ended up moving in XX/XX/XXXX and called Honda Financial to change my address. They started sending me monthly statements to my new address. I stopped receiving statements in the mail approximately a year ago. I did n't have an online account set up or emails set up where I could easily access my statements. I thought my automatic payments would end in XX/XX/XXXX. I called Honda Financial in XX/XX/XXXX to find out when my car will be paid off. Honda told me my car was paid off XX/XX/XXXX and I should have gotten my title. I never received my title and found out my automatic payments of {$130.00} were still being automatically deducted thru my XXXX checking account thru XX/XX/XXXX. I called Honda Financial and they had my old address on file, stated my title was originally sent there and it was eventually forwarded back to Honda. They told me I had to contact XXXX to have my automatic payments stopped and have XXXX reimburse all of the payments made to Honda after XX/XX/XXXX. They also told me I had to get a release of lien from the DMV to apply for a new title. I had to make multiple phone calls to XXXX and Honda to try to get this resolved. Whenever I called Honda I would get a different rep on the line and would have to explain the situation every time, sometimes getting different information from each rep. One rep was able to find out that they had my car title on file at Honda and they could mail it to me at my current address, which was different from what another rep told me before. XXXX told me they would only be able to go back 60 days of payments made in error and would reimburse me for the payments within those 60 days. I have to ask Honda to reimburse me for the remaining payments. I called Honda again after I talked with XXXX. XXXX said that so far they have record of XXXX checks that were mailed to my old address. They owe me 3 payments of {$130.00} after the money XXXX reimbursed me. They said that for each payment they have to research to see if the check was cashed first. If the check was n't cashed then they could send me a new check to my current address. The total that is owed to me is {$1000.00}. XXXX was able to reimburse me {$680.00}. Honda still owes me {$410.00}. I did finally receive the title in the mail. I 'm afraid they still do n't have my correct address on file because every time I call Honda they ask for security what my current address is and they tell me that they only have my old address on file. Each phone call I gave them my current home address, but it was never changed in their computer system. I asked last week to talk with a manager and they said one will call me back. I so far have n't received a call from a manager. I would like to be reimbursed the amount owed to me with interest. I find it very frustrating that I have to call a big call center at Honda, talk with different reps each time and not have anything resolved at the end of the phone call.
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXXn ) on XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
1026.13 ( b ) ( 3 ) Effective Date : XX/XX/2017 Time for resolution ; general procedures. The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>USAA failed to mail or deliver written acknowledgement of my reassertion of the previously settled billing error of a year ago which was without any notice, documentation, statement or information. Yet, prior to even speaking with me electronically delivered a statement saying they finalized the reassertion. Yet, they restricted my access to view the statement and failed to provide any documents, information, or anything regarding this decision. Furthermore, they asserted I was required to speak to XXXX regarding this issue. XXXX, openly admitted to failing to respond to my many calls, notices her colleagues sent her, her boss as well as their own boss to contact me. Prior to speaking with me USAA stated the re-investigation was complete. Yet when in speaking with XXXX, she stated despite my many requests for documentation and a re-investigation of the case she had never been notified of my many requests. So how can USAA finalize a re-investigation without providing the results or any requested documentation only to later state they never received the request. Furthermore, since that request was finally acknowledged a month ago I have yet to receive acknowledgement, the requested documents, or a detailed explanation. <P/>
As two of my cards are under current dispute and have yet to be acknowledged in writing it is against federal regulation to negatively report said accounts on my credit report. Yet USAA for the last 3 months has reported both accounts as having their dispute settled without having notified me. Additionally USAA has negatively reported both accounts as being at or near their credit limit. The XXXX  card was paid in full, minus the remaining disputed amounts I still have not received a response on. While the XXXX was only somewhat near it 's limit due to USAA 's reversal of the billing dispute finalized over a year ago. Thus they have incorrectly stated the disputes are finalized, and reported multiple negative items. Furthermore, it is against regulation to close accounts while under dispute. Yet all of my accounts were closed.
the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? 



XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid
As XX/XX/2018 I check my XXXX XXXX  account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also Equifax is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
Portfolio Recovery has been using deceptive tactics calling my phone several times a day from several different numbers trying to collect a debt not owed. I have no contractual agreement with this company. This company should either be shutdown or have legal action taken against them for their fraudulent and deceptive tactics trying to collect on debts that were not owed. I would like them to remove all negative accounts from all three credit bureaus to clear my credit report of these false accounts.
Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?
I have contacted XXXX and spoke to a supervisor name XXXX XXXX. I explained that I contacted Barclay bank and wrote letter several times disputing the numerous inquires on my XXXX credit report. Barclay did not respond as I think someone was trying to defraud me. I put a freeze on my XXXX to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed
I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.
Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.
I received a sudden email with the subject " Notice of account closure '' from Citibank. The email itself did not contain any information about any closure but said I had a message waiting on their system and to click the link to login. Upon doing so no message was available. When I called Citibank to discuss this the agent did say that my account was closed. While they were apparently under no obligation to notify me in advance that my card would be cancelled due to inactivity, I have in the past been so notified by creditors for a variety of reasons including their ability to remind me ( i.e. sell me ) the features of my card and entice me to use it again. In such cases I have been reminded of better benefits and resumed such use. However, my complaint largely centers around the fact that they are able to do this when it can directly impact my credit rating by reducing my credit capacity. I can easily envision a circumstance where somebody less fortunate than myself was successfully able to build credit worthiness but opted not to use their credit card so they did not carry any debt. However they would need to get a loan for a home or car, or to apply to rent a home/apartment. Losing that credit capacity and in turn lowering their credit rating could have an adverse effect when trying to leverage credit in those other circumstances. It seems fair to me that a credit card company should at least provide a few opportunities for a consumer to maintain the account before cutting it off so as to avoid these situations.
I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.
I received a letter from a company called Certified Credit & Collections Bureau, stating that I owe a debt of {$910.00} to XXXX XXXX XXXX. I paid in full any debt that I had to the medical center. Further, I feel based on the letter that I received that the company is a scam. The address listed is XXXX XXXX XXXX XXXX XXXX NJ XXXX. They list a website that appears odd as well ; XXXX and a telephone number XXXX.
On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.
I am utterly furious with Wells Fargo, and the way they have miss managed my account. I currently have a sale date for XXXX XXXX, XXXX, and they wont post pone it! My case is still under review for a Clarity Commitment which was granted in XXXX. The problem is during that time I was in the middle of review and every time I called to get updates ; representatives never mentioned it. It was a few months ago when I found the letter of acceptance in my files and demanded Wells Fargo to acknowledge it. This is the reason Wells Fargo has been sued previously and the reason why I am extremely upset. This is under investigation and they continue to prolonged the process. The escalation department is the XXXX reviewing my file and stating they do n't have access to post pone the sale date. I 've been advised to re-apply, but the re entry team wont accept the complete application that was received last week. They are declaring since I have fallen behind by almost three years Wells Fargo has a right not to review my file! I 've spoken to my lender and they 've have no restrictions. I do n't understand the reason Wells Fargo continues to put XXXX XXXX blocks and fail to take into consideration my home was part of the lawsuit claim back in XXXX. I 've written a letter explaining this frustrating situation.