WillisBack/dataset-financial-user-claim huggingface dataset:
Someone unknown to me opened a Sears/Citicard account in my name on XX/XX/XXXX and had the statements sent to an address not mine. In XX/XX/XXXX I began receiving aggressive collection phone calls at my home phone involving relentless ( and unsuccessful ) attempts to extract my social security number from me. After requesting documentation and providing my actual mailing address, I received a cover letter from Citicorp along with months of Sears statements. I phoned Citibank to report the fraud and was met with further insistent and suspect demands for my SSN. The phone call was fruitless. I mailed a letter to Citibank ( at the address on their cover letter ) and to Sears detailing the fraud and the unsettling phone calls, with a copy of Citi 's cover letter and the Sears statements. The letter to Citicorp. was returned to me " return to sender, not deliverable as addressed, unable to forward ''. There has been no reply from Sears. I now have received a new current statement from Sears, and an offer from Citicards to settle the {$860.00} account balance for {$210.00}. I have filed a dispute with XXXX, and am mailing them a fraud alert request today.
I tried to make a payment on my loan online. My payment was past due as I have been having money problems. The website would not allow me to make it and said I had to call in. The website showed I owed {$870.00}. When I called to pay I was told I owed {$900.00}. When I asked why, I was told it was from prior payment not being made in full, but it 's NEVER shown additional amounts due on the website. If someone has additional amounts due, it has to be shown on the website.
Selene Financial is stonewalling my modification process. They are using tactics like saying they can not find my authorizations for 3rd party to speak on behalf of me. Also, the customer service put me on hold for an hour ( XXXX XXXX ) and never came back, hung up on me when i called back to complain ( XXXX XXXX ), and then the manager ( XXXX XXXX ) yelled at me and hung up.

All I was trying to do was get assistance with modification but these people are not trained to do so. They are abusive to say the least and extremely combative. When I told Mr. XXXX of these actions his response was, " I can see why they are so combative ''.
What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.
All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed XXXX see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of Barclays Bank Delaware stating that my account owing XXXX was not paid off. This was XXXX of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and XXXX says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.
Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Portfolio Recovery calls me every day from different numbers trying to collect on a debt from 2007 that was cleared by the credit card company. There is nothing on my credit report and I want for them to stop calling me.
On XX/XX/XXXX a payment was made, {$1500.00} to my child school via Bill Pay with XXXX. On XX/XX/XXXX I was made aware by my child 's school that Regions had called them. A regions customer had received my check from XXXX XXXX and Regions had allowed that customer to deposit it into their account. Regions said that they could not get that customer to reimburse the amount to me and I would have to take the matter up with my bank ( XXXX XXXX ). on XX/XX/XXXX I called XXXX XXXX and filed a Bill Pay inquiry to have them resolve the problem and sent the amount to the correct company. On XX/XX/XXXX I received notification that XXXX XXXX would not be doing anything else to resolve the issue. They said that Bill Pay was sent to my childs school and that 's all they could do. As of now, XX/XX/XXXX my child is now past due on her account and I have not received the money due back to me from Regions from their customer. I am taking this as a fraud case since someone else was able to deposit monies, not meant for them, into their personal account.
Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.
XXXX XXXX & XXXX, XXXX a total of 6 QuickPay Payments in the amount of {$10000.00} was taken out of my Chase Business Checking account and sent to random emails. Chase never notified me and this activity was not part of my normal activity. I received an insufficient fee on my personal acct and I went online to transfer money when I noticed these transactions. I immediately notified Chase and on XXXX XXXX went into Chase at XXXX XXXX XXXX XXXX location and closed account & then opened a new account. On XXXX XXXX, Chase credited me the amount temporarily and then on XXXX XXXX, without any notice reversed the credit leaving my account overdrawn. My payroll money and receivables came in an immediately were taken out to offset my overdrawn account. At that time I was not been able to pay any of my present bills, payroll or rent. I went to the police and filed a report. I also spoke to Chase Fraud claims dept and the only thing they stated is there was no new device and Ip was in vicinity of my address, Chase closed the fraud claim and said I allowed someone to get on my computer. I repeatedly tried to open this claim with new information, stating I was not in New York city when this occurred and that I did not allow anyone to come on to my computer during this period. I originally when making a statement when Chased pressed me if any one accessed my computer I told them that Microsoft came on the computer to help me setup the Outlook but this is not the computer I do banking and this was my boyfriend 's computer and he made a statement stating this. My boyfriend does not have my Chase Banking information. Chase would not re-open case saying this was not fraud and it was my fault but they will not give me any proof. They will not state where the money went ( ie bank accounts, etc ), they will not state the IP address and they will not give me the device this was used on. I thought as a consumer, the bank accounts are insured up to {$250000.00}. It is very easy for them to say this is not fraud and yet not give any information. I was told I would need to sue them to Subpoena records and get my money returned. In the meantime, they have taken $ XXXX and left my account overdrawn XXXX and keep calling me to pay this and if I dont they will charge off and ruin my credit. To note, I have been trying to get a mortgage and with all this activity it has put me in a compromising situation in getting a mortgage, fees and stress. 

Please advise what can be done here.
United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.
Wells Fargo Bank , N.A . is holding me hostage, by claiming I owe them around {$220.00} in late fee 's. I have had this Home Equity Line Of Credit, abreviated, ( HELOC ) since approximately XXXX 2007.This is a 1st position loan for which a piece of Real Property was used as collateral to provide Wells Fargo , security. Now that I have just about paid the entire loan balance to XXXX, they are claiming i owe them even more money. I have asked them for proof of their late claims, for which they have claimed they have sent, however I have never received. Even if they sent a statement showing late payments, I still would not believe it to be factual simply because their credibilty is worthless. I believe Wells Fargo has purposely withheld, delayed and thrown away payments anytime they ever received a payment via mail just to generate fee 's and thus those departments that were assigned to process payments would receive bonuses for generating extraordinary late 's & non-payment fee 's. Further more, Wells Fargo has caused me deep damage not only by charging me these late fee 's, but also by reporting these lies to the credit bureau 's.
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
CITI closed my new XXXX credit card without prior warning. The account had a recent credit line increase and was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
In XXXX XXXX, 2016, the bank of America inserted a 'online reply expired ' document in the message center, of my eligible claim.
XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my XXXX credit bureau.
I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.
I placed and received confirmation that I had successfully placed a security freeze on my credit report with Equifax on XX/XX/XXXX. In the body of that confirmation email, it says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or ( ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). '' and which included my designated PIN. 

Yet, when attempting to temporarily lift the security freeze with Equifax today, I was able to do so without providing that unique PIN : 1. Navigate to https : //www.equifax.com/XXXX 2. Click " Get Started '' 3. Enter First/Last Name, Current Address, Social Security Number and click " Continue '' 4. Enter an email address and password 5. Choose to verify your identity through your email address 6. Enter the 6-digit code sent to that email address 7. You should be redirected to https : //my.equifax.comXXXXXXXX XXXX XXXX 8. Click " Place or Manage A Freeze '' 9. Note that in  the box in the right, the following text appears : " How do I get my PIN? 
During the confirmation step, you will receive a one-time PDF available for you to view and print. Your PIN will be required to temporarily lift or permanently remove your security freeze via phone or mail. '' 10. Click " Temporarily lift a Security Freeze for a specified Date Range '' and accept the Terms of Use and click Next 11. Enter the dates you want the freeze to be applied The freeze is successfully lifted and the consumer is presented with a PDF confirmation with the following content : " Security Freeze Date Lift Confirmation At your request, we have temporarily lifted the security freeze on your Equifax credit report for the following period : XX/XX/XXXX XX/XX/XXXX We will automatically reinstate the security freeze at the end of this time frame. 
Please print and keep this page for your records '' At no point during this process did I provide strict verification of my identity, nor my unique PIN, in violation of the documented process and to the detriment of the security of my personal information.
XXXX ; XXXX HOme Loans have put a hard inquiry on all XXXX of my credit reports. I never applied for a home loan with these people. I want it removed.
Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. The lender is stating the application submitted for the review is not correct according to FHA required form - I have attached the application, which is the same as what is being requested for this review and has already been provided.
i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report
Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.
Transunion LLC is not providing a correct mailing address for credit report disputes. Transunion 's website lists the address as " XXXX, PA XXXX '' : https : //www.transunion.com/customer-support/faqs/credit-disputes The USPS has confirmed that this address does not exist. There is no other address listed to which credit disputes can be mailed. Transunion is intentionally providing consumers with a false address in order to delay or prevent credit report disputes.
T o whom it may  concern Dear  Sam club and  synchrony bank I  XXXX   XXXX  want to tell you and inform you that I am not happy with your decision of lowering my credit limit I did not authorized you to do so. But you still went ahead and keep on dropping it  Lower  and lower every time and that unacceptable. I do n't agree with ur decision. You did not contact me to talk about it. Or mail me until when you took your own decisions and never contacted me to see my options. S o fat I been g ood and keep making my payments I understand have used almost all my credit limit but hey I 'm still paying you every month so I think regardless you should not have lowered my limits. Twice already the first time I met it go bit this is insane you done it again. I want an explanation?. Why did you took that decision without consulting me. I did not wanted you to lower my limit or keep lowering it down please stop doing it. It does n't give u the permission for you to keep doing it at the end I 'm making my Payment. So what 's the problem.??? I never aut horized or accepted from you to lower down my limits. I mean I 'm still paying it even if I still used my card u still getting paid monthly payments even of its the minimum amount im.still your client. I do n't agree and would like to ask you to put all that  money back. I never agree with ur decision. It make me feel rejected left behind and at some.point discriminated. Dissapointed. I do n't want to ask for an increase now because my score is a bit lower than what it was before but regardless of my credit history and score. It should affect me since I agreed to the terms and conditions of this credit card under contract. Now you understand that if I do ask  XXXX  club synchrony bank they might denied me, but this should even had to happen why did you lower it in the  1st p lace. Even if I 'm making just Tue minimum payment im still paying u.   Please fix this mess. And give me back everything like my credit limit was before  XXXX
I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.
I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of 2011 but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My Equifax and my XXXX credit files are still showing this account despite the multiple disputes.
I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account.
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.
Trying to link another app to access data in order to budget/save better. Won't let a third party app login and access my account even when authorize to do so.