WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent police reports and identity theft affadavit to Transunion due to severe identity theft and fraud of my personal information. Transunion has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, to name A FEW. 

When I spoke with Transunion they stated that they would like for me to provide a 2nd police report about identity theft, despite my having proof they received the police report. They have placed a fraud alert on my file but continue to allow fraudulent request to be processed. When I spoke with another representative they stated I must send letters to all 40+ creditors and request that they remove the inquiry. However, I did not authorize the inquiry nor should I be repsonsible for this activity when they are fully aware of the fraud since last year. ( XXXX ) This issue is damaging my ability to work, obtain credit and provide a truthful file to your clients who purchase credit files for decision making purposes. Please correct this issue.
Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.
I have concerns about how Chase handled a fraudulent purchase on my account. The purchase was stopped ; however we were not notified of a phone number change. They stated they notified us but said they could not provide proof to a customer -- a court order was needed. Additionally, when trying to work with their staff, they appeared to have many inexperienced representatives ; long hold times and pieces of misinformation. XXXX calls, two hours, XXXX rep 's and XXXX supervisors to finally determine what happened and ensure my account was closed.
Trans union broke the law when their computer system had a glitch and all inquiries were deleted as a result of their faulty system. However according to the Fair Credit Reporting Act you can not reinsert something that was deleted due to your faulty equipment or mishandling and that is exactly what trans union did reinserted those inquiries which is illegal. I am asking that those inquiries be removed permanently from from my file
SELECT PORTFOLIO SERVICING CONTINUES TO SEND ME COLLECTION LETTERS AS A SERVICER FOR A TRUST THAT HAS NOT PROVED IT OWNS MY LOAN. THIS TRUST TOOK ME TO COURT AND LOST IT 'S CASE AND THE JUDGE DISMISSED THEIR CASE BECAUSE THEY COULD NOT PROVE THE TRUST LEGALLY OWNED MY MORTGAGE AND NOTE. THIS SERVCER HAS NEVER PROVED BY ANY TRUST DOCUMENT THAT IT IS A SERVICER OF MY MORTGAGE AND HAS A RIGHT TO SEND ME COLLECTION LETTERS. I BELIEVE THEY HAVE VIOLATED MY RIGHTS ACCORDING TO THE FAIR DEBT COLLECTION ACT
After pulling credit report to get pre-approved for a home mortgage i see there is a collections debt that has been on my report since 2013. after calling to see what it is for it was for a college fee. I have never once received any bills, letters or phone calls about this debt in collections. how i am to know about this or pay it when i have not been contacted one time, does not seem fair and has now destroyed my credit. called the collection agency and they were of no help and stated over and over i must pay and then finally said to me that we are getting no where and will report it to there client and then hung up on me.
I am contacting you to inform you that I recently received a copy of my Equifax credit report and after carefully reviewing, I have found a number of accounts that are inaccurate and do not and have never belonged to me. These items that are reporting on my credit file are inaccurate and are hurting me from obtaining a mortgage in the near future. Below are the following accounts I would like to have removed and my credit report updated as soon as possible. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Bank Account XXXX XXXX XXXX Bank & XXXX I have requested that the credit bureaus send copies of the documents that they have in their file to verify accuracy and they have failed to do so. Under the fair credit reporting act, I have the RIGHT to demand that they disclose all documents that are recored and retained that presents valid proof that these documents indeed belong to me. If they are unable to furnish the proper documents I demand to have these accounts deleted
I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX  XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.
My Name : XXXX XXXX XXXX Dates : Attempt to contact Experian on or around XX/XX/XXXX Remedies Attempted : Left a voicemail through one number. Filled out PIN request with zero response. Could not speak to a live person. 


On or around XX/XX/XXXX, I completed the Experian online form to retrieve my security freeze PIN and have it sent to me [ https : //www.experian.comXXXX ]. I placed a security freeze on my account on XX/XX/XXXX and paid {$3.00} based on the state I live in. In order to retrieve my PIN, I filled out the form and submitted copies of my Driver 's license and all required information. I never received a PIN in the mail or any correspondence from Experian via any other means. I attempted to contacted Experian using their customer service number of XXXX, but could not find a way to use the automated system to either retrieve my PIN or to speak with a live person. I tried a few different ways and searched their website and had no way to contact them. 

I am looking for one thing, and that is a copy of my security freeze PIN so that I can choose to temporarily or permanently lift my current security freeze if I so choose. I had no problems retrieving my PIN from either XXXX or XXXX, only with Experian. Please assist me and have them reach out to me and/or provide a way to contact a live person. It is ridiculous that they control my credit reports yet I have no ability to speak with customer service reps with my problem.
I was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records
Navient is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with Sallie Mae, XXXX, XXXX  XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to Navient that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX  payment due to my income based repayment plan. Seriously if Navient the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.
On Saturday XX/XX/XXXX, I received several alerts from XXXX XXXX XXXX that I requested a change of address, change of telephone number and change of my social security number. None of these requests were made by me. I have been the victim of identity theft in XXXX of this year and I had since locked my credit files. 

On Saturday XX/XX/XXXX, after checking my credit file, all my personal information had been changed, my address, telephone number and social security number. I immediately disputed the change in address and phone number and it was corrected within hours, however, Experian will not allow me to dispute the incorrect social security number listed in my credit file online and when I called the number they suggested I was placed on hold for 2+ hours 3 days in a row.
Collector called saying they were from XXXX XXXX XXXX 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from Best Buy for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to Best Buy. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at XXXX XXXX with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or XXXX XXXX XXXX should have checked the account before they started collection procedures.
My information was divulged during the 2017 Equifax data breach. I have filed a 90 day fraud alert on my account and will continue to monitor my information.
National Enterprise Systems has been calling my cell phone repeatedly about a debt owed by person other than me since XXXX XXXX. I have called them to take me off the list repeatedly, but they ca n't take me off the list without knowing the debtor 's name. They call me after the office is closed so I can not call them back. I have blocked the number, but they still leave voicemails. They need to stop. The last batch of phone calls were on XXXX, XXXX and XXXX. The person that leave messages is XXXX XXXX at ( XXXX ) XXXX XXXX.
In XX/XX/XXXX I was approached by a Wells Fargo worker at a county fair who started to talk to me about college and credit and such. When talking to her, she advised that Wells Fargo offers a college credit card that accrues no interest while I am in college. I was excited because that would help me with my financials and my credit score. When I went into the branch, I was verifying what she told me and she said that I would not accrue interest on the credit card while in college again. In XX/XX/XXXX, I found out I was lied too and that interest started to accrue after 6 months. I went into the branch near me and called multiple times. They only reimbursed about {$100.00} and stated nothing else could be done. I believed them. I just found out on XX/XX/XXXX that it is against the law to lie about terms to get people to sign up for bank products and that I was lied to again. I want true repercussions regarding this issue and the lying
OnXX/XX/XXXX I happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with Chase.

Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account.

There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase on XX/XX/XXXXand they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau Transunion and XXXX  are not willing to correct the issue.
I tried to fix this wish Transunion and they would not take care of the negative inquiries listed.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.
On XX/XX/XXXX I received my credit/consumer report back from Onsite regarding an apartment that I had applied for. After receiving the report I noticed that their were traffic violations over two years old being reported, not even my tickets, along with a Bankruptcy that did not belong to me. The traffic tickets belong to my XXXX mother as well as the bankruptcies. I did not submit my social security number when I initially applied, so I submitted my identification along with my social security number to get the traffic violations removed along with the bankruptcy. Neither was corrected nor removed from my consumer report after I sent in the information to prove that those items did not belong to me.
I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.
I have been a customer with Wells Fargo for over 5 years. Throughout these years, because of my low-balance, I was often charged overdraft fees for items, so I changed my account to not allow a transaction to process if the money was not in the checking account. If an item still went through ( because they say it is a common vendor ) causing my account to be in the negative, I would have 24 hours to rectify the solution, or be charged a {$35.00} overdraft fee. However, they have recently changed their systems, so it will allow something to process, and at XXXX will re-figure the account, and now immediately charge a {$35.00} fee for a transaction it allowed through. On XXXX, in the evening, I paid a few bills. Because of Wells Fargo 's practices, I have severe anxiety when it comes to finances and banking. Therefore, I check my account daily. A transaction processed overnight and on XXXX I awoke to a negative balance as there was a difference of about {$6.00}. Immediately, I went to Wells Fargo ( herein " WF '' located at XXXX XXXX XXXX, XXXX, OR XXXX ) and deposited {$10.00} to cover the {$6.00} ( plus change ) difference in my accounting. I had however already been charged the {$35.00} fee, as I stated, WF no longer offers any time to correct a balance error. After making the deposit, on XXXX, I spoke with a banker, XXXX, telling him I again was wrongly charged a fee. Importantly, to note, I was charged a fee in XXXX of XXXX for an internal Wells Fargo transfer - from my checking to my Auto Loan ( also directly through WF ) as the same situation happened at midnight, " the system '' as the employees blame, incorrectly charged a {$35.00} fee. The system allowed this transaction & if it was not there, it should not have allowed a transfer, especially an internal one. That was rightfully refunded. After my XXXX visit, I was promised a call back. I did not receive one. On Tuesday XXXX, I called and was told the system would not allow the refund of this illegal fee. I asked to speak to a manager as Wells Fargo in refusing to return a fee, over a {$6.00} difference which I covered the same day, WF is stealing from me directly. The current service manager XXXX XXXX stated that she could not change what was in the system as her manager XXXX had reviewed and denied the request. XXXX was not in, I have left him a message. I let them know I was tired of them stealing from me & am closing my account ( s ). They did not apologize, nor seem to care at all. Wells Fargo has profited off me for years. They take advantage of " little people '', who like me, live paycheck to paycheck. Their negligence of care is outstanding and has caused me monetary and emotional harm and distress. Over the 5 years with them, they have made hundreds of dollars off me in fees. They currently have stolen from me, without consent, in a fraudulent manner. Wells Fargo has no consideration for how their action of something " small '' could be quite large in my individual life day to day. The {$35.00} they are stealing was budgeted for food. I have opened a new account with a different bank & will no longer tolerate these practices.
We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.
I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.