WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have recently submitted a complaint through the CFPB in regards to case XXXX. I am being held liable for a fraud on the basis that someone took my phone and used my e-mail to try and do multiple fraudulent transactions. The basis of their action is that the signature matched a previous fraud claim which I withdrew because I knew the perpetrator. The problem with that is that they will not show me the signature, and also because I don't know how they could possibly find that given that I've shopped at the XXXX XXXX and they are one of the few shops that make you sign with your finger and not with a pen or kiosk. I have read multiple things online and I have heard that Discover is infamous for siding with the merchants. Having them answer my complaint with a canned response telling me that I'm screwed even though I have proof of where I was when the transaction took place, as well as the fact that I have proof that my phone was stolen and my computer was compromised is quite ridiculous. I will not pay a single dime towards something that I did not purchase. Please advise me of my options as I will be hiring a lawyer.
I XXXX Started working with XXXX around XX/XX/2016 on a home loan I were often given misleading information on the American mortgage program I asked XXXX twice can you buy any where you want in the state of XXXX he told me yes the biggest misleading information that was given was after I had gone under contract in XX/XX/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from XXXX saying the appraisal has come in and it is subject to gutter down spouts I called XXXX and I asked him are theese the only items that need to be fixed to obtain the loan he told me yes so I called the realestate agent to let her know so she said let me verify this with XXXX so she verified it and we replaced the inspection objection with gutter, downspouts and extensions XXXX notifies me by email a couple of days after the inspection objection had been replaced and after verifying with him that those were the only items that needed to be fixed he sent me an email with all of the items we originally asked the sellers agent to have the owner to fix and then he said I would have to escrow for the repairs and that it XXXX affect my debt to income ratio this misleading information was caused by XXXX
I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.
The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.
Wells Fargo consistently changes the order of my transactions to put me in the negative and then rails me with overdraft fees. The {$300.00} charge on my account is being charged before prior purchases, as to put me in the negative, and then hand me {$35.00} overdraft fees on 3 very small purchases I had made prior while in the positive. I am about to be out {$140.00} in fees alone because of this malicious practice.
It appears that Seterus may be using a delay tactic to provide a mortgage loan borrower potential assistance or information she is legally entitled to in a timely manner.

Seterus Correspondence Response Team is sending written correspondence to a Legal Aid 's Executive Director about a mortgage loan he never inquired about. One of the Legal Aid 's staff member represented the borrower on said mortgage loan in the past. The Executive Director was never part of the services provided to said borrower. 

Per the XX/XX/XXXX correspondence, Seterus records indicated that the Legal Aid currently represents mortgage loan borrower and Seterus did not have the authorization to communicate directly with the borrower. They further went on to confirm that the correspondences the Executive Director had received were not sent in error.

The Legal Aid 's staff member that assisted the borrower sent written correspondence to Seterus on XX/XX/XXXX confirming they were no longer representing the borrower. She requested that all future correspondence was addressed to the borrower. On XX/XX/XXXX she sent a second written correspondence to Seterus, which included Seterus internal Third Party Authorization form so their staff could proceed communication with borrower and her daughter who had Power of Attorney.
I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have afraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, non of these companies received any identification or authorization from ME to pull my credit for any reason : 1.  XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado XXXX
visited bank to requested a voided check and was accosted to apply for a credit card - informed sales agent I was concerned that credit application would place another " hit '' with an inquiry to the bureaus with my application. Agent informed me this inquiry plus the others I suggested concern about were " soft '' inquiries and would not show up OR affect my credit score. Shortly after being denied for a few more applications, I found out this was not true. BOA '' refuses to amend this credit application to inform the bureaus that it was invalid.
First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In XX/XX/XXXX, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in XX/XX/XXXX with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX XXXX! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in XX/XX/XXXX with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.
We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.
InXX/XX/XXXX it came to my attention that my credit card history with XXXX XXXX ( a credit card I've had since XX/XX/XXXX ), is not showing on my Experian Credit Report ( though it IS showing on XXXX  and XXXX  ).

I called Experian and they informed me that they collect all reported information from XXXX XXXX   and that the problem must be with XXXX XXXX. To look into the issue they filed a research inquiry.

On XX/XX/XXXX, I contacted XXXX XXXX  to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to Experian to make sure that this card is showing up.

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my Experian report, I followed up with XXXX XXXX. They once again assured me that they are reporting it, that it must be a problem with Experian, and they once again promised to file a request. I then followed up with Experian, and they too assured me that everything that XXXX XXXX reports they include, and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request.

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my Experian credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit.

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
The homeowner is dead. We have been trying to start a short sale with Bank of America for the past two weeks. There is a court-appointed executor and all authorization documents have been sent in, including death certificate, court documents appointing administrator, probate docs, and copy of the will. ( See attached authorization package submitted XX/XX/18 ) It is NOT a Trustee that is attempting the purchase the property it is a Court-Appointed Executor whom does not reside in the State of California ( where the property is located ) and does not have the legal right to assume the loan nor purchase the property. It is in Probate. 

Today we were told that Bank of America is required by Federal Law to FORCE COURT APPOINTED EXECUTOR TO TRY TO ASSUME THE LOAN. 

This is in fact ILLEGAL and NOT a Federal or State Law. 

The rep I spoke to, XXXX XXXX in Bank of Americas Assumption Dept, sent us the attached Mortgage Application and stated Bank of America has had this requirement to force the court appointed executor to attempt to assume the loan for the past four years. 

The Mortgage Loan Application makes it sound like it is Federal law that has forced Bank of America to make it a requirement for the court appointed executor to be forced to attempt to assume the loan, which is not only not incorrect, but the court will not allow the executor to assume the loan. 

Furthermore, it looks like XXXX is requiring the court appointed executor to fill out these documents with substantial personal information for the sole purpose of committing identity theft ( the executor does not live in the State of California and as we have stated, does not have the authority to become the borrower and owner of this property ). 

We request that the attempted questionable act of forcing an out-of-state executor in a probate that can not legal take possession of the property be waived. 


CC : XXXX XXXX, California Attorney General
I had been a customer of XXXX for about 20 years. I cancelled my service in XXXX 2016. At that time XXXX notified me that I had a remaining credit of {$26.00}, saying they would refund me that amount of money that I had overpaid for my service. 

Instead, XXXX mailed me a Citi Prepaid Services VISA prepaid debit card that they say has a balance of {$26.00} on it. Citi Prepaid Services then puts limitations on my use of that card, saying that it could not be used for a charge more than {$26.00}, it could not be used in an ATM machine, that I must go online or phone to " register '' my debit card, etc. They did however say that I could go on-line with Citi Prepaid Services to arrange to have the amount transferred to my bank account. 

While clearly an imposition on my time to return my money to me, I tried to comply. I tried to use Citi Prepaid Services web-based function to transfer the money into my account 3 times, but it would fail each time at the end of the transaction and tell me that " you have been logged out ''. 

I then phoned Citi Prepaid Services and told them their website did not work. They " walked me through it '' on their website ; it again did not work. They then refused to help me further, saying I could only get the money transferred to my bank account using the website. They hung up on me. 

My suspicion is that XXXX and Citi Prepaid Services are using this dodge of ( NOT! ) disbursing funds that they owe -- knowing that many consumers will not go through the arduous process they dictate in order to retrieve their funds. I consider this theft, criminal behavior. 

( I then went back to XXXX, escalated my call to a " manager of the manager of the agent '' in their Billing Department, and explained that I wanted my money from them ; I did not want to deal with the obstacles that Citi Prepaid Services put in my way. He refused to help, telling me that " XXXX no longer has your money, we transferred it to Citi Prepaid Services ''.
My identity was stolen last XXXX and several credit cards were opened and successfully had charges on them ( not very much, but enough ). These fraudulent accounts were caught quite quickly and closed. My credit score was XXXX prior to the fraudulent activity. After, it was XXXX. One year later, it has not recovered at all despite the information being " wiped '' from my credit report. Experian is stating there is nothing that can be done. They are stating that I should be contacting the companies I do business with like XXXX XXXX, who are providing a free FICO score as a benefit through my card. XXXX XXXX is stating that I need to contact Experian. I am stuck in a vacuum, with no way out and no hope of a better score. I am paying more on things like car insurance because of this nightmare.
XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.
Opened an American Express Delta SkyMiles card on XX/XX/XXXX. Used the card for purchases large and small with charges totaling {$3000.00} in the first three months of having the card. The award offer on opening was : no annual fee for one year, XXXX   Delta SkyMiles when you spend {$2000.00} in the first three months of opening the card and an additional XXXX SkyMiles when spending an additional {$1000.00} within the first 6 months.

I inquired to American Express onXX/XX/XXXXasking when the miles would be credited to my account. They said they could see that I met the spending requirement in XX/XX/XXXX and that I would receive the reward miles in 8-12 weeks.

I inquired again with American Express on XX/XX/XXXX where they told me the same thing, only that the award miles should be credited 6-8 weeks after meeting the spend requirement. They " opened an investigation ''.

I inquired again with American Express on XX/XX/XXXX and was told that the investigation was opened with the wrong department so it was closed. They said they would open a new investigation and that it would take 6-8 weeks before they could give me an answer as to what was going on and would send a letter in the mail.

I then called in and got no further. I contacted again today XX/XX/XXXXto see if the investigation was moving towards a resolution and was told to wait 6-8 weeks. My chat was escalated to a supervisor who just kept pleading to give more time as they had a large amount of awards and applications and they aren't able to get to them as fast as they are supposed to.