WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!
My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, Equifax and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the XXXX XXXX XXXX District of XXXX XXXX against me for the amount of {$3100.00} which occurred on XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX # XXXX XXXX LA XXXX
On XX/XX/2018 I was approved for deferment of financial hardship. However on my credit report it still states that I am late.
I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.
To Whom It May Concern : On XX/XX/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) {$300.00} from my American Express ( Serve ) credit card ( hereinafter AMEX ) - via my local community bank retail branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ). After correctly inserting my AMEX Credit Card, entering correct PIN #, requesting {$300.00} cash ( sufficient funds in account ) and agreeing to XXXX XXXX and AMEX ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( {$0.00} ), and would n't release my credit card. I immediately went in to the bank 's branch, informed Branch Manager of what happened and assistant was able to get my credit card - but no cash ( as requested ). I complained to Branch Manager, then went home and logged in to my AMEX account. My AMEX account had been debited ( same day and time ) for a total sum of {$300.00} from the failed transaction ( {$300.00} cash requested, {$2.00} AMEX withdrawal fee and {$2.00} XXXX XXXX ATM fee. Then I went back to bank branch and was informed that I would have to file a dispute directly with AMEX ( informed by Branch Manager required by federal law via some Regulation E ). The following day ( XX/XX/2016 ) Branch Manager informed me that the funds I requested had been received by them from AMEX and that ( per Regulation E ) they had to wire same amount back to AMEX. So I correctly completed and faxed AMEX 's XXXX-page dispute form. Several days thereafter I received a " provisional credit '' from AMEX for {$300.00} ( within the 10-day period ). Several days later I received e-mail notification from AMEX that I lost the dispute ( was found guilty ) and the funds would be taken back ( my account debited ) on XX/XX/2016 ( which they did ). I was so upset I almost had a XXXX XXXX ( XXXX ). In closure, I 've been ripped-off a total of {$300.00}, and from my perspective it 's outright theft ( stealing ). By what company I do n't know ( 3rd party ATM transactional processors, etc. ). As much as XXXX XXXX staff sincerely tried to help and advise me, neither XXXX XXXX nor I know of what company the credit ended up with. AMEX customer service ( off-shore in-bound customer service call center ) will not, or possibly can not, provide XXXX XXXX and/or myself any contact person or phone # for anyone in the AMEX dispute department. I 've repeatedly called and repeatedly told the case is closed, and nothing can be done. CFPB, I completely believe what happened to me, and likely XXXX 's or XXXX 's of others in the past and future is just not some digital ( programming ) transmission mistake. Bottom-line I want credit card credited for {$300.00}. All of the above is 100 % factual. 

P.S. Hopefully, I will not me executed ( socially exterminated ) for challenging corporate America protocol ( the greed factor ).
I have a student loan that went into default, I repaid it through the rehabilitation program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. XXXX XXXX
The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.
Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund.
I am a XXXX XXXX XXXX XXXX and Veteran. I am applying for a VA loan. However, my estranged husband abused my credit, changing my credit from excellent to poor. XXXX of his accounts is incorrectly listed on my credit report. I filed a dispute to remove an erroneous account from my credit report. The credit provider, XXXX XXXX, provided evidence the account does not belong to me, then proceeded to delete it from my XXXX file, Transunion file, and XXXX file. XXXX and XXXX updated my report immediately. However, Transunion refuses to remove it because they tell me they have 30 days to resolve the dispute. After speaking with XXXX other employees, I was transferred to a supervisor by the name of XXXX, then to his supervisor XXXX, then to her supervisor XXXX. All XXXX employees subordinate to XXXX verified the evidence from XXXX was in my file, XXXX, however said it was not there. I asked to speak to her supervisor, but she refused. Ultimately she offered a 48hr call back, then hung up on me when I asked to speak to that person 's supervisor. 

I called back, spoke with XXXX before who transferred me to XXXX. I told XXXX the situation and that I am in process of filing a complaint with the FTC and a congressional inquiry. I asked for the name of the supervisor in-charge of the special handling division. After putting me on hold, she said she was unable to give out that information. I tried to find the information online, but was unable. The bottom line is, the erroneous account belongs to my husband. It is preventing me from getting a VA home loan. My husband abused my credit cards, which caused my excellent credit to be damaged. But the biggest issue precluding the loan is the account in my husband 's name. Transunion has a policy wherein, if multiple disputes are being investigated, they will not update the account until they resolve all the disputes even though the disputes have nothing to do with XXXX another. I would like a remedy in the form of this erroneous account being taken off my report. The customer service at Transition special handling division is deplorable in the special handling branch.
Bank of America sold my mortgage XX/XX/2013. At that time I was in a program were my payment was taking out every 2 weeks. In order to get into that program I had to be paid 1 month in advance. When they sold my loan to XXXX XXXX XXXX they did not offer such a program so I was told not to pay the last month with Bank of America. A few months later I noticed a late payment on my credit report. I argued this with Bank of America and they removed it from my credit report. A year went by and this reappeared on my credit report. I 've yet again argued with Bank of America but this time they wo n't remove this. It is negatively effecting my credit and I just want it removed.
Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.
On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.
I obtained loans through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX. I began struggling with financial issues and they actually showed up to my residence and left a letter in my mailbox even stating that they stopped by my home which is a complete violation of my privacy. I have both letters showing this. It was signed by Branch Manager XXXX XXXX which was very unprofessional being a branch manager or even if it was just a sales person. I feel this is a form of harassment coming to my home and need to take action for this. I can provide any documentation necessary about this company. I always made my payments on time until I fell on financial distress and now I 'm trying my best to do what I can. Please if you can help in any way with this company. 

Thank you XXXX XXXX
To Whom this may concern : The company has flagged my name for fraud and warning. The company did a investigation and did not remove the mishap. Although I know its the companies responsibility it is not my fault and I shall not be punished for this.
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX.
Bottom line : I have worked with Flagstar Bank to resolve an ongoing issue about an exorbitant increase to monthly mortgage amount for the past 3 months -- to absolutely no avail or remedy. My monthly mortgage amount was {$880.00} since I 've had the loan -- and it jumped to {$1700.00}. ( With escrow spread over a longer period, it 's at {$1500.00} which was an immense struggle for me to pay this month. ) This is still entirely insurmountable for me as single mom, as it 's almost double what I 've been paying. Flagstar forced escrow, even though I had made payment to my property taxes and flood insurance. I paid {$5300.00} for property taxes -- but we paid the county at approximately the same time, so they then forced escrow. Flagstar representative XXXX XXXX said perhaps loan modification would help. I went through that process, wasting 2 months of my time -- hoping and praying that I could get a lower payment so I could actually pay my mortgage and feed my son. Then, Flagstar said that I had been DENIED loan modification, because I 'm " current '' on my loan. What on earth?! What kind of help is that? Of course, I want to be current and I do n't want my credit jeopardized! That 's the precise reason I 'm turning to them now is to work out an amenable payment plan -- and NOT WAIT for when I 'm delinquent, ruining my credit. That 's ridiculous -- and not a reasonable, prudent way to do business. I can not afford this monthly mortgage amount, and Flagstar is not working with me in a real way which will help provide a remedy for my family. I am trying to be proactive, and not spiral out to delinquency. This is not wise. I want to restructure this now BEFORE I get to a point of delinquency -- that 's the smart way. They need to work with me on a real loan modification that is approved and works for my budget. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XXXX, 2017. Please contact Flagstar at XXXX.
I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.
I have communicated with FED LOAN servicing and XXXX & XXXX about correcting the late payments in association with ALL XXXX FED LOAN SERVICING accounts ( associated account # XXXX : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( FED LOAN SERVICING ) which subsequently requires no payment and therefore further supports my stance of the XXXX Fed Loan Servicing accounts never being late and the payment history being wrong. There are XXXX late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
This lender is not mine but the buyers who are purchasing our home. 1st Issue : The lender ordered an appraisal and when that company came out, she didn't measure our home and do a thorough inspection. We ( buyers and sellers ) felt they didn't do it correctly so we asked the lender what our options are. The lender suggested we get a second appraisal but it would be at the seller 's expense. We agreed. Got the inspection done - correctly with correct price, measurements, etc. The lenders came back and said they would still go with the first appraisal report and amount. They never once communicated with us that it wouldn't matter if we did a 2nd appraisal because they were still going with the 1st report. Wasted time and money. 
2nd Issue : less than 24 hours before closing the purchase, the lender sends an email stating they need to delay the closing time from XXXX to XXXX. We informed the lender and buyer 's agent that we needed them to close at XXXX because we need to complete that transaction before we can close on our new home which was at XXXX that same day. I called the lender and they refused to answer my calls, emails and questions. She kept referring me to the buyer 's agent who also told me she didn't know anything. XXXX on the day we close on our house, the agent and lender still has no clue what time they are able to close and no one is answering me. I'm writing this complaint and still am uncertain what time they are closing. 

This lending company is very unprofessional. Here are some of the things they have done. - called the appraisal company pretending to be me, told the buyer 's agent that she just wants more on her commission for the sale of the purchase, refuse to answer my calls, emails and answers and telling me I have no right to report them. I have emails that show all this.
I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX
I have submitted my recertification for the XXXX XXXX XXXX plan. This was accomplished by submitting the application as well as my tax return. 

Yesterday, I received the following e-mail : " We received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your form at this time because your request was not complete. You still need to provide complete income documentation. 

Please follow up on this request to take advantage of this repayment option. IDR plans are a great way to reduce your monthly payment amount because they take your income and family size into consideration! 

The easiest way for us to continue processing your request is if you upload your income documentation to us directly at XXXX. If you prefer to mail or fax your documentation, it is helpful if you also include the enclosed form. This will allow us to direct your request to the correct department for processing. 

You must supply alternative documentation of income if you did n't file a federal income tax return within the last XXXX years or if the XXXX XXXX XXXX ( XXXX ) on your tax return does not reasonably reflect your current financial situation, for example, if you had a decrease in income or you are no longer employed. Any of the below are acceptable proof of income as long as they are less than XXXX days old. 

Pay stubs : Make sure you write the frequency of pay ( weekly, every other week, etc. ) if it is n't clearly stated. 
Certified letter or statement from your employer Proof of self-employment Please do not send in your year-end IRS Form XXXX. These typically are not less than XXXX days old. Therefore, they usually ca n't be used to calculate your income. '' This is a totally outrageous failure to comprehend the basic nature of the documents submitted. The federal income tax form is MORE THAN ENOUGH to show what my household income is. There has been no change in my status. 

This is now the fifth time this year that FedLoan Servicing has botched a simple request. I 'm perplexed as to how they are allowed to continue.
Hello, Equifax recently leaked a massive amount of information and my information is compromised according to their website. This means they have given other people unauthorized access to my full name, Social Security number, birth date, addresses, and, possible, driver license number. This is a significant misuse of my information and could lead to easy identify theft. 

Their resolution of a single year of credit monitoring service is hardly adequate, and we should be given a lifetime worth of it, along with free credit freezes and anything other services that I and others can use to protect ourselves from this massive XXXX up. 

Thank you XXXX
i opened a business credit card with american express and i was suppose to get XXXX points after i spent XXXX $ in XXXX months but after i spent the amount in first XXXX months they said they can not issue the points.