WillisBack/dataset-financial-user-claim huggingface dataset:
As my debit card was set to expire, Bank of America issued a replacement card three months prior to the expiration date. The card never reached my mailbox and was intercepted by someone. I received a message that my debit card was being used and was asked to provide feedback regarding an attempted transaction at XXXX XXXX for {$520.00}. I responded within 30 minutes of the message stating that the transaction was not mine and to close the account. The account was not closed after I asked them to close it. Instead, they expedited the shipping of a new card. I filed a dispute with the bank to remove the fraudulent charge. In addition, I filed a police report and put fraud alerts on all the credit agencies. Bank of America declined my dispute stating that there was nothing wrong with the transaction. They are violating the Electronic Fund Transfer Act by not removing the fraudulent charge. A few days later, Bank of America sent another email to to me to verify a transaction on my credit card. When I called, they told me that they added a new user to the account, changed the address, and mailed a new card to a fraudulent address. They skipped the passwords and security that I set up for my banking accounts. They instructed me to have a police officer call a special number to retrieve the fraudulent address where a new card was sent. The police officer advised me that he can not do this without a subpoena. The advice Bank of America offered me was incorrect and ineffective.
On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.
I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
TransUnion had a glitch in credit inquiries. I had inquires removed and then they were re-added back to my credit report. The glitch is  TransUnions problem not mine. I also was never notified with written notification in 5 days which is my legal right before re-adding the inquiries that were already deleted. This has caused a hardship for me because I am unable to obtain any credit due the many inquires. See attac hed pic for all inquiries. I contacted TransUnion in good faith to ask them to delete the inquires they had illegally re-added. Can you assist me in TransUnion victimizing me.
XX/XX/XXXX XXXX XXXX took XXXX out if my bank account then again on XX/XX/XXXX they took another XXXX out then on XX/XX/XXXX another XXXX these withdrawls where unauthorized i never approved any of these transaction soon XX/XX/XXXX i contacted the bank to make them aware of the unauthorized transactions they took the information and filed a dispute against the mechant however on XX/XX/XXXX i called to check the status of my dispute and was told my dispute was denied because they called the merchant and the zip code on file with them matched the zip code the had so it was no way that the transactions where unauthorized and it doesnt make sense cause my id was also taken along with my debit card number ending in XXXX.
Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : XXXX
On XX/XX/XXXX I was made aware of thr Equifax security breach that has affected hundreds of millions of Americans. Using their inquiry tool, I found that my information was contained on the database that was breached. This is incredibly irresponsible on the part of Equifax, especially because I did not know that I was a recipient of their services and was not given a choice whether or not to give my information to them.
Multiple calls to my business and mailing to my residence from ARSI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, for a debt pertaining to a XXXX XXXX XXXX. He does not and never has worked or lived with me at this residence. I have a different middle initial. I have told the company multiple times it is not me. They have the wrong person. It was attached to my credit rating which I had to rectify with the respective credit reporting agencies. They continue to call, harass and mail me.
I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.
I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
I paid a {$49.00} annual fee for the privilege of a  Santander Bank credit card. Within a month of paying the fee the compa ny locked my credit card account in the interest of " fraud safety '' and would not lift the hold on my account. I called multiple times to verify the charges but the representatives on the phone insisted that I come in PHYSICALLY to a local branch to resolve the issue. A s Santander is  well aware they only operate branches in the  XXXX   XXXX  of the country. I live in  XXXX , applied for the card in  XXXX , used the card only in  XXXX , and continue to live in  XXXX . It is outrageous and unacceptable for the bank to expect me to fly out of state to resolve this issue. I barely got any use out of this card and  Santander has forced me to close my card. I paid the annual fee to use the card for a year, yet Santander did n ot even give me 1 month of use before locking my account. I still do not understand why they did this. Now, they refuse to refund the annual fee because they say that I already paid it. This excuse makes no sense whatsoever. I paid for services and did not receive them. If the bank does not refund my annual fee this is tantamount to theft. This is outrageous and despicable behavior that should not be tolerated.
Bank of America engaged in dual tracking me in  XXXX    XXXX  . As seen in the attached letter from Bank of America, dated  XXXX   XXXX ,   XXXX  , they had the documentation needed to process my loan modification. It states that the process should take no longer than thirty days. Instead of working on modifying the loan, Bank of America turned it over for foreclosure on  XXXX   XXXX ,   XXXX  , even though they were the loan servicer, and would continue in that role until  XXXX   XXXX ,  thirty  days after the aforementioned letter. The loan was transferred to  XXXX , and between Bank of America and  XXXX , progress was delayed allowing the HAMP program to expire. I had questioned the dual tracking in my previous complaint ( which had  two components )  and have attached a copy of that letter. When contacted by Bank of America with their research about the complaint, the representative had no reasonable explanation for the dual tracking and would have to investigate further. I was told that I would receive a hard copy of the report, as well as an email containing their findings. I confirmed the email address to insure accurate delivery. I received nothing. I have contacted the representative for Bank of America on  three seperate occasions, leaving a detailed voice message each time.. Again,  no response.
Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX   report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.
I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore.
I was dating my boyfriend for 15 years. I am a victim of XXXX  XXXX and Identity Theft because my ex boyfriend recorded me and allowed hundreds of people have access to these recordings and my cell phone calls were routed to his aqaintances. As a direct result of that, a few of them STOLD my identity and took out auto loans house loans possibly credit cards and cell phones and utilities that absolutely does not belong to me. 
I have been to the state police several times regarding this issue and they will not refer me to anyone. They say they dont scan phones or hAndle those types of matters ... ..I have called creditors and disputed transactions that I never signed for and its still not off my credit report there are several items on there that dont belong to me.
**FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.
XXXX, applied & approved for school loan from federal government /received XXXX separate loan amounts to cover entire 2 years of my XXXX XXXX plus one year XXXX ( {$59.00} thous & {$39.00} thous ) XXXX, applied & approved for tuition reimbursement at XXXX XXXX ( XXXX ) to cover 65 % or higher based on maintaining B above average. 
XXXX to XXXX, submitted via fax grades plus copy of school fees to XXXX ) /name of person accepting fax, " XXXX XXXX XXXX XXXX XXXX, XXXX completed a large layoff ( attrittion process & closed ) XXXX XXXX, Graduated and obtained my XXXX XXXX XXXX, I was approved & placed on a 4 year deferral with no payments XXXX, approved for hardship and paid minimal amount XXXX or sooner loan transferred to a collection agency in which they eventually added another {$30.00} to {$40.00} thous. 
XXXX or XXXX, agreed with collection agency to enter a rehab program for 10 months to make monthly payments of $ XXXX-not sure of amount-unable to complete program due to their error. 
XXXX to XXXX, loan increased another $ XXXX {$40.00} thousand/treats of wage garnishments etc. 
XXXX, agreed again with collection agency ( CTI ) to make monthly payments from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Completed program successfully. 
***This is just bare bones of story but just wanted to give you an idea of process & rough timeline. I met HR trainor, XXXX XXXX my first year at XXXX XXXX XXXX ). And of course, XXXX XXXX I never met just sent the fax as proof of attendance, grade point average and cost of courses. 
Keep in mind that XXXX agreed to pay once I completed the courses and graduate and in the XXXX I had to use my federal loan as payment to the school. In other words as long as i submitted in a timely manner my grades, tuition fees & amount loaned to me by federal government, they would reimburse me that amount once I graduated. 
***I also moved so many times ( 13 times ) since moving to XXXX so I know I lost a lot of paperwork in that process, however they should have a record of it too..fortunately I do have a lot of the faxes I submitted to dept of XXXX & XXXX at XXXX
I called Transunion customer service to identify myself as a victim of improper credit inquiries reporting, on my credit report. I did authorize nor did I recognize most of the hard inquires on my report. I was not helped nor was a satisfied after my call.
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX  has resolved the issues but XXXX and Experian still confusing our identity. 

I can not access XXXX because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers.  So when I input my information they take me to my brothers credit report. 

Experian has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however Experian has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in experian.com which is incorrect : Name XXXX A XXXX Also Known As XXXX XXXX XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this time
I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).
I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). 
I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. 

When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.
Capital One Bank has mailed several applications for credit cards and loans to my home under someone else name ( XXXX XXXX ). I have established contact with their representatives via phone to inform them of this and also requested that they stop since this is a easy method to steal someones identity. 

The last time I contacted them I requested documentation stating that they would no longer send pre-approval mail to my home. The representative stated that it was not possible and as I mentioned I am still receiving mail under for credit offers to my home with the addressed to XXXX XXXX. It is clear to me now that this financial institution has rules or processes in place to truly protect personal information of it's customers and they should be held liable in their failures to protect personal information current and potential customers I received another pre-approval letter addressed to XXXX XXXX yesterday. I'm not sure what else to do at this point. I've also attempted to mail them back via United States Postal service using RTS ( return to sender on the envelope. ) They often get sent back to me again. I had this happen twice.
Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.
I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.
My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. 

I have not received *any* contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. 

I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my mortgage.
My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. Specialized Loan Servicing has been continuing to collect the debt based on an acceleration by XXXX XXXX XXXX which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first XXXX pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in XXXX.
1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.