WillisBack/dataset-financial-user-claim huggingface dataset:
Money was stolen electronically from all of my accounts with Chase Bank. {$24000.00} from my Money Market Savings Account. There was also {$5000.00} stolen out of both my checking and my savings accounts at separate times and numerous smaller amounts. When I realized that money had been being drained out of my account I called Chase Bank and asked to put a stop payment on the withdrawal and it was not performed. Also Chase Bank neglected to put my money back into my account after that happened to my supposedly insured money.
I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.
I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your help.
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.
The Following Accounts are not being Investigated by Experian! EXPERIAN IS SENDING ME FAKE RESULT! THEY ARE NOT CONTACTING THE SOURCE! 

The Following Accounts Do Not Belong to Me! Please Delete them! 
XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket # XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX  XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXXThis Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine.
Recently, due to failure to renew their master agreement, XXXX and American Express have ceased their commercial relationship meaning that the XXXX American Express Card would cease to be valid in XX/XX/XXXX. According to a mailing received from XXXX, all outstanding balances on the American Express Card would be transferred to the new Visa card they are issuing to members. Disturbingly, the mailing indicated that the balance transfer would be assessed at the penalty rate even though the American Express account was in good standing. As this will result in a significantly increased interest rate on outstanding balances, even though the cardholder did nothing whatsoever to warrant that assessment, and such assessment is by the terms of the new Visa cardholder agreement illegal since under that agreement the penalty rate can only be charged if the account is past due or payments have been missed. In my view this assessment constitutes an violation of the Fair Credit Billing Act as it is imposing a penalty where none is authorized.
Reviewed My TransUnion Credit Report today and saw some suspicious inquiries that were n't made by me. Although I have a freeze on my account and an alert that some one needs to contact me whenever a line of credit is opened in my name. Once contacting the companies they stated I needed to contact the credit bureaus to get them removed. Here are the unauthorized inquiries : 1.XXXX XXXX ( X/XX/17 ) 2.XXXX ( X/XX/17 ) XXXX XXXX ( X/XX/17 ) Please look into this for me.
I 've had excellent credit history and the only late mark on my credit is from Wells Fargo for a misunderstanding. I signed up for auto pay through their website for my payments to come out each month directly from my checking account. But, I must have misssed some fine print about it taking a few days or weeks to actually set up and that my vey next payment would not come out through auto pay. When I received a call from Wells Fargo on the 30th day of being past due I was extremely shocked and asked the representative calling to please make sure this does not affect my credit. I let him know that I was set up on auto pay and he asked if I saw the fine print and/or noticed that a payment had not come out yet and I answered no I signed up and I thought I was good to go. I immediately asked if I could make XXXX payments right on the phone with him so I could actually be a month ahead and never worry about being late again. He accepted my payments and said he would work on making sure it would n't report late on my credit. I left it at that thinking I was all squared away for the misunderstanding which occurred between XX/XX/XXXX and XX/XX/XXXX. A few months later ( around XX/XX/XXXX ) I was applying for a refi for my mortgage and was asked about a 30 day late that was on my credit. The 30 day late mark on my credit actually hurt my chance of receiving the best mortgage rate. I called Wells Fargo and spoke with a supervisor XXXX who said there was nothing that could be done. There is no going back after they report a late payment and I would have to deal with it, that there is no one that I could speak with for this issue. I called back a month or two later and spoke with a female representative that also claimed the same thing XXXX did. So I asked to speak with any supervisor other then XXXX. A gentleman ( I do n't recall his name ) came on and was very kind, said I could request in writing and send it in via fax. Be ask s me to give it two weeks to a month for the department who handles reporting on credit bureaus to review and see I paid well for a year now and may remove the late payment mark. I did just that. I asked kindly in a letter to please see I 've actually paid well and an entire month ahead in payments for the year to prove it was truly a misunderstanding. An entire month later I receive a letter not acknowledging anything on my letter but that there records are correct and no chance will be made on my credit bureaus.
Good day, I received a call today that I could not answer from Berman and Rabin PA in Kansas. They then immediately called my father and told him they filed a suit against me - disclosing information to a 3d party.
I have over {$39000.00} in debt with Navient, formerly XXXX. I have been making on time payments for four years. Often, these payments have been well over the amount due. I pay {$450.00} every single month to them, and another {$150.00} on my federal student loans. I am a XXXX who makes {$XXXX} a year and barely get by. All I want is for them to reduce my interest rate. My current interest rate with them is 10.25 %. It has actually gone up as I 've made these on time payments, almost like I 'm getting penalized for being a responsible consumer. I 'd like an interest rate around 4 %. I 'd like my monthly payment to be less each month. When I called to discuss this with them, they offered me nothing. No relief. No reduction in my interest rate or payment. No acknowledgment of my on time payments, or overpayments. I feel as though they are price gouging me. They are predatory lenders, and not responsible members of the financial community. Something must change.
On XXXX/XXXX/2016, I called Greentrust to schedule a payment to be taken out on XXXX/XXXX/2016. This would have paid the loan off. On XXXX/XXXX/2016 Greentrust did not take the payment out. I called the company. 

I spoke with XXXX who apologized and offer to take a payment over the phone to pay the account off. She told me the account balance would be {$45.00} to pay off the account. She was giving me a credit for the poor service. 
I provided her my card information of which she ask for twice. I received two separate emails confirming that a {$50.00} dollar payment was processed with transaction id XXXX and another charge of XXXX was charged to my account the transaction id number for this payment is XXXX. In addition, my bank shows a pending payment of {$55.00} on the account. I talked with XXXX who said when the company processes payments they use an international system and this may result in charging me extra fees. XXXX seemed not bothered by the fact that the representative ( XXXX ) never disclosed that there are fees before taking the payment. XXXX did not seem bothered by the fact that I have XXXX receipts totaling {$90.00} that may be taken out of my account on XXXX/XXXX/2016. She gave no indication that she would cancel the payments and refuse to do so because she could not verify that bank debited my bank account for a reduced payment for poor service. The staff would rather argue semantics than dear with the fact that there is a payment of {$55.00} pending on my account and two scheduled payments of {$45.00} and {$50.00} to be debited to my account as well. I would like the correct payment taken out. The XXXX separate transactions cancelled as the debt is paid in full and the organization held accountable for not disclosing fees associated with making credit card payments to the account. I want these fees refunded as well.
After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
This organization, American Collections Enterprise Inc., has constantly called my home with a ridiculous recorded message for some who owned this property several years ago, sold the property, and moved away owing considerable debts. ACEI has been calling my unlisted number in an attempt to reach this individual. I do not pick up these recordings to engage with these organizations, and am under no obligation to tell them that I am not the person they are hunting.
Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.
XXXX XXXX XXXX is reporting a fraudulent collection account on my credit report and refusing to remove it. I have contacted Midland via phone call on XX/XX/2018 at approximately XXXX XXXX and also followed up via USPS certified letter dated XX/XX/2018 which was addressed to the attention of XXXX XXXX in which I stated that the account was a result of ID theft and is disputed, attachments included a FTC ID Theft affidavit and a copy of the police report number. XXXX XXXX XXXX  responded with a letter dated XX/XX/2018 in which they claim that the debt is valid and requesting copies of the police report and ID Theft affidavit. This debt is not valid, I do not owe anything to XXXX XXXX XXXX, I have not entered into any agreement with XXXX XXXX XXXX nor do I have any obligation to this debt. I have already provided copies of the requested documents via certified mail and they continue with their stall tactics and harassment.
I mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
XXXX & Experian would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, and Experian would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : ***XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX RE Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
My income was decreased because of my work hours being cut back. I have been struggling with my mortgage payments for the last few years and I have excessive late fees from being late. 
I've recently requested a mortgage modification.Submitted financials and the modification request to my mortgage company Mr. Cooper. My mortgage sent letters that say my mortgage has been sent to a collection agency. I don't want to lose my home I want my modification request to be processed. I need help
Hello, Short description : Experian enrolled and charged me for several months of a credit monitoring service, when all I had ordered was a one-time credit report. See my attached letter and their response, along with my receipt for the one-time report.
When shopping for a car in XX/XX/XXXX, I ordered the single report and was charged {$5.00}. In XX/XX/XXXX, I noticed a recurring charge from Experian on my XXXX XXXX statement. I NEVER ENROLLED in a recurring monitoring product. I never USED this product.
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When I contacted Experian, they claimed I had signed up for a 7-day trial membership. I did n't do that ( and certainly not knowingly ) - and how would that be consistent with the receipt I received for the one-time credit report charge?? ( Furthermore, from looking today at their website, it 's not even clear that they have a 7-day trial product. ) As their response indicates, Experian clearly would rather be able to say " GOTCHA! '' than deal fairly with their customers. It 's interesting to me that many merchants make a different choice. As but one example, I get an emailed receipt EVERY MONTH from XXXX for XXXX XXXX for the added space in my XXXX account. If Experian followed the same reputable business practice, I would have realized immediately that there was an issue and could have resolved the problem before several months of their alleged charge had piled up.
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Thank you
XXXX added a 30 day late negative to my credit report. However, on XX/XX/XXXX I did an overpayment to XXXX of {$140.00} as I frequently added extra money to the account because i shopped there frequently. XXXX refuses to acknowledge where the money went. It shows it was paid and my bank does almost all payments electronically and the account number hasnt changed. However, this payment cant be found by XXXX. While I want the {$140.00} back, I am even more irate about the 30 day late they put on my account. The representative told me that " this is accurate and can not be changed '' even tho I told her I paid and can provide them my bank statement. 

On the attachment of my bank statement, if you look at XX/XX/XXXX you will see the XXXX   payment. I used the same payment method for the last 5 years to pay it. 

They refuse to acknowledge a technical issue on their end and refuse to assist me. I tried to call twice and both times the representative told me I had no recourse even though this is an obvious error. I asked them why, after 5 years of higher balances always paid off on time, would i short XXXX for a payment at a random time. It makes no sense and XXXX doesn't seem to care.
I want to file a " Bait and Switch '' Complaint on Lending Point. 
The WEB SITE states : Can I Apply For a Lending Point Loan? 
Easy Questions To Help You Decide Am I at least 21 years of age? 
Can I provide a government issued photo ID? 
DO I have a social security number? 
Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? 
Do I have a verifiable personal bank account in my name? 
Am I interested in a personal loan of {$3500.00} up to {$20000.00}? 

If you answered YES to these questions, let us see if we can help you rewrite your credit story. 
The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! 
The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number is : XXXX
Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.
A membership was purchased under the pretense that we could cancel at any time. After three months of paying on time I decided that the membership was no longer useful and notified them in writing which they requested that I would be canceling it. After several months they send a letter saying I still owe a balance and it would be turned over as a debt if I didn't pay said amount.
On XX/XX/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs
I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. 

The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. 

HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.

Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.