WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.
Step 1. What is the complaint about? 
This complaint is about fraudulent charges applied to my Bank Americard Travel Rewards Visa Signature credit card # ending in XXXX in earlyXX/XX/XXXX. 

Step 2. What type of problem are you having? My credit card company contacted me immediately after several fraudulent charges were posted in rapid succession to my account on XXXX XXXX and XXXX, XXXX. The company must have suspected that the charges were fraudulent because of the rapidity of postings, which was different to my pattern of use of this credit card ( Exhibit 1, 7 pages available ), and the fact that the charges were made in stores that I do not visit, like pawn shops and meat and fish outlets ( Exhibit 2, 2 pages, available ). 

In response to my credit card companys suspicion, I confirmed that the charges to my account were not made by me and that they were fraudulent. I then received a letter dated XX/XX/XXXX from the credit card company, stating that it is giving me a temporary credit for the {$2700.00} charges listed to my account ( Exhibit 3, available ). The temporary credit should actually have excluded two charges for {$85.00} and {$79.00} that I made at XXXX, which were posted onXX/XX/XXXX and which led to the cascade of fraudulent charges ( Exhibit 2 ).
The above letter ( Exhibit 3 ) also said that if further research indicated that the transactions are valid, the temporary credit to my account would be reversed. I was confident that the credit would not be reversed, because it was the credit card company that first suspected and took action against the fraud even before I knew of it. Therefore, I did not expect the next letter from my credit card company ( Exhibit 4, available ), which I read on  XX/XX/XXXX, after I returned from a long stay abroad. That letter which was datedXX/XX/XXXX, indicated that the chip on your card was read for this transaction ( Exhibit 4 ). In addition, it stated that your PIN may have been entered or your signature obtained. Yes, the chip on my card was read and my signature was obtained for the XXXX transactions. However, the above statements falsely assume that the fraudulent amounts charged to my account after the XXXX transactions were the result of transactions with a single vendor. The fact however, is that these fraudulent charges were applied to my account in rapid succession at no less than thirteen different sales points ( Exhibit 2 ).
Step 3 What happened? After returning from abroad I phoned my credit  card company to explain what I have said before and to refute its decision. My explanation appears to have fallen on deaf ears, because on XX/XX/XXXX I received a letter from my credit card company rejecting my explanation and refusing to change its decision ( Exhibit 5, available ).
Given the above facts, I request the Consumer Financial Protection Bureau to help me recover {$2600.00} ( i.e. less than the two GameStop Charges ) from the Bank Americard Travel Rewards Visa Signature credit card company. Thank you. 

Note : Exhibits are attached
the Debt was Paid and the contract was satisfied switched to new company and continued business with different company.
Opened an account with XXXX XXXX while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank Chase JP Morgan XX/XX/XXXX. No other purchases were made on this account. Received a statement from XXXX showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted XXXX and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and XXXX XXXX XXXX was negatively impacting my credit as well another account that I had with XXXX XXXX for my XXXX XXXX account was directly negatively impacted. I received letters from XXXX XXXX  informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and XXXX XXXX both holding their positions. Chase maintaining that the payment was made and accepted by XXXX and XXXX maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from XXXX XXXX XXXX indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from XXXX stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. I filed a complaint and all XXXX stated was they did not receive the money and their biller code is not the one listed on the payment screen from Chase. At this point I am not sure who is at fault, XXXX or Chase however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
Citibank offered me a {$400.00} bonus to open a checking account. After doing some research I realized that Citi has been frequently failing to honor their bonuses, so I contacted customer service ( via secure online message ) after opening the account to ensure that I met all of the requirements to receive the bonus and also to inquire as to when the funds would be credited to my account. I have attached this letter confirming that I would recieve the bonus as supporting documentation. On XXXX/XXXX/2017, I contacted Citi via online chat for the second time regarding the funds as this was the date they said the {$400.00} would be credited to my account. The representative again confirmed I would receive the bonus, but said to wait another day for funds to appear. I initiated contact for the third time on XXXX/XXXX/2017 via phone. I have included specific details about this conversation as supporting material. The representative during this conversation stated she spoke with a supervisor and that the bonus would be credited by the end of the statement cycle around XXXX/XXXX/2017. I received that statement, but no bonus has been credited. Finally, I contacted Citi again on XXXX/XXXX/2017 via online chat to ask why they are withholding the bonus. I will include this screenshot as documentation. The representative told me that there was an email sent to me regarding the bonus, but I have never received any sort of communication from them ( mail or email ) regarding my attempts to collect the bonus. I feel that they have been extremely deceitful in dealing with my account given that I met all conditions of the offer as confirmed by XXXX of their representatives and was told I would receive payment nearly a month ago. These business practices are unprofessional, misleading, and unwarranted. I have heard that they have been doing this to many customers and I believe they should be reprimanded for it given that they are offering a bonus and not fulfilling their end of the agreement as stated. I hope some action can be taken and I am thankful that this resource is available.
I have filed 3 disputes with XXXX  concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's Visa account with Navy Federal Credit Union. I never knew about said Visa account, never used said Visa account, nor do I have any financial obligation or agreement with Navy Federal Credit Union re : said Visa account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's Navy Federal Credit Union Visa account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to XXXX from Navy Federal Credit Union that clearly states that I was listed as an " Authorized User '' of said Visa account and therefore I am not responsible. I asked XXXX  to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. XXXX  needs to remove the Navy Federal Credit Union Visa account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
I apply for an American Express Platinum card XX/XX/XXXX, the open bonus is XXXX MR bonus points with XXXX purchase in the first 3 months. I fulfill the requirement and get the bonus more than 2 months ago. But just 3 days ago, The American Express take the XXXX points off my account, which is not reasonable.
On XX/XX/2015 I reported to Equifax the following, recorded XX/XX/2015. You 'd think SOMEONE with a working brain would have fixed it XXXX IN XXXX AS FORMER RESIDENCE IS NOT TRUE I AM FILING A LAWSUIT ON XX/XX/2015. Fortunately in spite of their incompetence, I was able to get the home loan. But this false identity theft address is STILL on my report after 2 years!
Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.
I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.
There is a collection on my current credit report from Equifax and XXXX that belongs to my XXXX sister. The collection is a medical bill that I am not liable for. I am XXXX XXXX military and I am covered under XXXX XXXX XXXX, fully.
I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.
I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.
I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
I started to receive notices in the mail for a charge off credit account from Synchrony XXXX or Synchrony Guitar Center. I have never had a credit card account from Synchrony this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
I have sent documents numerous times to  XXXX , Experian, and  XXXX  and they still refuse to correct my credit reports. The following Loans have been off since  XXXX   XXXX ,    2017  and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on  XXXX   XXXX ,  2017 :  1.  XXXX  - acc ount number  XXXX  amount paid {$2200.00}  2.    XXXX  - accou nt number-  XXXX  amount paid {$5400.00}  3.    XXXX  - account number  XXXX  amount paid {$5500.00}
I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract. 

I filed a complaint already last week And M & T send back wrong Documentation a wrong Vin number Wrong year make and model my other complaint number is XXXX
Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee
XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX   asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not  documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.
I signed up for a Chase card by clicking an offer for XXXX miles with XXXX if I spent $ XXXX in first 3 months. I met this requirement in first month. Then Chase said they would n't honor the XXXX miles. I have never received an explanation why, just told it was not applicable to my account. I asked Chase to honor it and then was told there were no offers like the miles offer available. I responded that there was a XXXX offer on the same card right now. Chase affirmed this offer existed. Still Chase offers no explanation why the first offer does n't apply to me, nor do the explain why the current offer ca n't be substituted so at least they can partially honor the original offer. <P/>This all started about 6 weeks ago. I cancelled my previous credit card and moved some reoccurring charges to Chase card. I feel they put the original offer out there to get people pulled in then somewhere they hide clause that must negate the offer. I have no idea what more to do after several emails back and forth with Chase.
I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, XXXX, and XXXX ) being reported by Springleaf ( OneMain Financial ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked Springleaf ( OneMain Financial ) as a Goodwill gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that Springleaf ( OneMain Financial ) will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.
I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!