WillisBack/dataset-financial-user-claim huggingface dataset:
I had my identity stolen several years ago, this includes credit card accounts, social security cards, id 's, medical collections, insurance, auto loans, and more. I have contacted each agency that owns each of these fraudulent debts, provided them with proper documentation, police reports and things of that nature. Numerous dispute attempts have rendered useless, and now the company refuses to accept any disputes from me as they have deemed " frivolous ''. These debts do not meet FCRA or FDCPA standards. I am attaching XXXX police reports, an original and another updated XXXX to show this has been ongoing.
I paid the full amount due on a credit card balance in mid - XXXX, 2016, only to learn after attempt to use card and being denied that the amount paid was received and deposited by Credit Card company, but never applied to my account balance. I have a copy of the check that was mailed, and marked as deposited by Credit Card company. 
I spoke with XXXX separate individuals from said credit card company, and they were not able to resolve even after providing all information from back of processed check by their Company. 
I was advised to FAX my details, along with CREDIT CARD NUMBER, to a number that did not accept, under the header " PAYMENT INVESTIGATION ''. I was repeatedly denied the ability to speak to someone personally I have XXXX FAX receipts that all indicate " no answer '' at number provided. Meanwhile, I have several " auto-pay '' accounts that this card was used for creating havoc and unnecessary work and stress to apply a separate card number for auto-payments.
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, XXXX and Equifax and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, EQUIFAX 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
I had experian dispute a foreclose that is on my credit report from XXXX XXXX XXXX in XXXX Mass. XXXX XXXX XXXX certified the information and XXXX  closed the investigation. I have never had a foreclosure in my life. 

I had XXXX dispute a second foreclosure on my credit report from XXXX XXXX XXXX with the same result. 
I have never had any account with XXXX. 
I contacted XXXX and they did research and could not find anything under my name or Social S Number but still they confirmed the information to the credit bureau. This is identify thief!!! But they do n't care. Does anyone?
ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.
Please review the documents submitted. In 2007 prior to the mortgage industry collapse I wrote the justice department, RESPA, the Treasury Department and state representatives when I discovered I was illegally out into as n ARM. I was not a participant of the Ocwen settlement. Instead of receiving a principle reduction Ocwen threatened foreclosure or sign of on a XXXX balloon. This is after agreeing to the government settlement. 

Loan Modifications for Struggling Homeowners The settlement also ordered Ocwen to provide {$2.00} XXXX in principal reductions to eligible underwater borrowers who were at risk of foreclosure. To accomplish this, Ocwen offered write-down loan modifications to eligible borrowers. ( A write-down loan modification reduces the principal balance on the loan. A lower principal balance results in lower monthly payments. )
On XX/XX/XXXX, I first filed a dispute with Experian regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/2017 that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you
I had a Chase Freedom Credit card that was used to shop for food at XXXX and XXXX XXXX restaurant. My order was not completed which mean that I did not received the food ordered. I reported the issue to the restaurant and the restaurant agreed to refund the money. Since I did not receive the refund, I decided to engage the Chase dispute center to assist with this matter. Chase argued that they called the restaurants and decided to close the disputes in less than 2 weeks. 
I spoke to several people at chase and none would be ale to properly address my issue. I asked to speak to a supervisor and did not get one. 
To sum this complaint, Chase argued that since the charges were made at the restaurants they have the right to make those charges valid and I should be responsible for paying those fees. I had a last chance to speak to a supervisor on the dispute department and still none is willing to assist. I wanted to appeal their decision on the same while I am contacting their executive department and stop any extra charge on the balance. Chase put on hold and never get me to the right agent to appeal the dispute. after speaking the XXXX at the customer service.
US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.
I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.
My wife and I apparently ( according the Nationstar Mortgage ) in 2012, took care of that issue. We received a letter stating that we owed {$1100.00} in late fee, I contacted Nationstar they confirmed the amount and that i needed to pay. After an hour on hold / transfers i choose to speak to an agent in the XXXX ( their call center is in the XXXX the person would not tell me even when asked directly ) After speaking to someone in XXXX, she said, " I reviewed your account and those fees were deferred '' so the first XXXX people for Nationstar would have gladly taken my money that I DID NOT OWE. 
Lesson - DO N'T TRUST NATIONSTAR, keep ever record I 'm currently hold in get it documented!
After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. 

I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. 

On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. 

I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
My vehicle was repossessed on XX/XX/19 by XXXX, XXXX on behalf of XXXX XXXX XXXX. I was advised by the finance company AND the dealer of which my vehicle was purchased at, to withhold my payment due to the dangerous conditions of the vehicle they sold me. XXXX XXXX XXXX has refused to provide me with any information about XXXX, XXXX to get my personal property ( they already confirmed with me the recovery company received the personal property release form. ) XXXX, XXXX does not answer any phone calls and does not have an address or business hours online as to where my vehicle is so I can obtain my property. They are not willing to work with me to obtain my vehicle and are withholding my personal property which according to NH state law ( see link attached ) XXXX XXXX XXXX they can not take my vehicle if asked to leave it alone otherwise it is breach of peace. The recovery driver PULLED ME FROM MY VEHICLE WHILE IT WAS RUNNING. It also states I am allowed to remove my personal property which the driver did not allow me to do. After numerous attempts to work with XXXX XXXX XXXX, they told me I can not get my vehicle back and I should " learn how to pay my bills. ''
I C SYSTEM INC IS REPORTING A COLLECTION ACCOUNT THAT IS NOT MINE. 1 YEAR AGO THIS ACCOUNT WAS REMOVED DUE TO IT BEING NOT MY ACCOUNT AND HAS REAPPEARED ON MY CREDIT REPORT THIS YEAR. THE ACCOUNT HAS BEEN REAGED AND SOLD TO A NEW COMPANY WHO HAS NO LEGAL RIGHT TO COLLECT THIS DEBT.
In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to BMW Financial as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with BMW Financial as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XX/XX/XXXX and XX/XX/XXXX timeframe which I can prove is in error ( See attached highlighted documents ).

I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XXXX of each month, with that being said my payments were made within the limit of the following due date before the XXXX of the each of the reported late months as shown in the attached statements. Under the FCBA, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that BMW Financial is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX. on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XX/XX/XXXX and XX/XX/XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XX/XX/XXXX and XX/XX/XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope BMW Financial Services believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
On XXXX XXXX, I applied for a second mortgage and all was great. On XXXX XXXX, I was informed by my credit union that the credit reporting agency told my bank that I now have XXXX social security numbers associated with my name. I then began the process of having this matter corrected but can not get it done with the countless faxes, copies and emails and phone calls. Equifax seems to be the company causing this, the other XXXX companies seem to have corrected this problem. I and my wife have now been denied credit on XXXX separate accounts. Also, they refuse to give me any case numbers to make matters worse when I try to discuss this matter with them. 
I appreciate any help that you can give me to correct this horrific situation.
InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. 
I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.
On XX/XX/2018, I was notified that XXXX XXXX XXXX bought a debt from XXXX XXXX. I had made payment to this debt on XX/XX/2018. They have appeared on my credit report and this is, in turn, affecting my ability to build credit due to their fraudulent claim.
In XX/XX/2018 I had approximately 20 fraudulent charges made to my credit card for XXXX XXXX. While Citibank coded the majority of the charges as fraud and reversed them, there were several charges that they miscoded as a billing dispute. This gave the fraudsters a loop hole to try to claim I authorized the charges. I did not. I finally contacted the XXXX XXXX XXXX and Federal Trade Commission to file a complaint against Citibank at this time they reversed all charges. 

On XX/XX/2018 I received a letter stating that the charges for two XXXX were reinstated even though I reported it as fraud. The XXXX  company I suspect must work with the people who fraudulently used my credit card because they created documentation. 

I am XXXX years old and I am a victim of fraud. My credit card company made an error with coding it as a billing dispute instead of fraud and now they are trying to make me pay for the fraud. There are two charges for {$100.00}. 

Please advise who else will work with seniors since I am being victimized and they are not abiding by the affidavit that I signed stating it was fraud. They suggested I contact the merchant that I have no idea how to get in touch with a business that I never did business with. 

I will continue to fight the charges.
I have several complaints that has occurred since my loan was transferred from XXXX to PennyMac in XX/XX/XXXX. First, on XX/XX/XXXX I received a letter from PennyMac stating I have an escrow shortage for {$9.00}. I called the XXXX provided on the letter to get clarification since my previous escrow review when with XXXX was done XX/XX/XXXX and was not up for review until XXXX XXXX and also, I received a check XX/XX/XXXX for an escrow refund and as of today my escrow balance meets the fha guideline for 2 months reserves. I spoke with a rep from PennyMac and pointed out several irregularities that appear on the letter and my online account. These items are multiply pmi payments XX/XX/XXXX when it was paid by XXXX and it was never credited back. Second, I have never missed anypayments but PennyMac continue to show late payments and charged my account and then revised the fee but never update it records to show. Third, I believe this company is not acturally maintain mortgage accounts and having customers covering their mistakes.
We were denied a mortgage refinance from Ditech because on one of our Credit Reports was showing an incorrect home with XXXX, We attempted 3 times to get this corrected and with no luck.We asked to remove any/all fraud alerts and ant/all consumer statements. This is why Ditech /XXXX rejected our refinance application. Everything else was good to go.
This is a new complaint about TCF Bank. Piggy backing complaint XXXX. 
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.
I have an American Express Serve prepaid credit card, the card can not be used as a debit or with a PIN number for purchases or cash back. On XX/XX/2018, a few days after my payroll deposit, I attempted to use the card to pay for a bill and my transaction was declined. I logged into my Serve account and noticed I had a negative balance as a result of transactions duplicated from the day before. I clicked the " contact us '' link at the bottom and was redirected to a page that gave 3 contact options ; call, email and twitter. I chose twitter. I sent my message and was told I could not be helped using twitter and I was provided an XXXX # to call. I called the # and was forced to hold for 30 minutes before finally reaching someone on the phone. At that time I was told that  American Express Serve was experiencing system issues which caused a glitch resulting in them overdrawing my card. I was then told I had to wait two days to get back my money. This delay in them correcting their mistake cost me {$50.00} in late fees and other fees as I had to get money from other sources to make up the difference caused by American Express Serve taking my money and not immediately returning the funds. I tried to get them to reimburse me the {$50.00} and they denied me. 

Since having this card, I get my money before my pay date, they advertised that you can get your money sooner. I was scheduled to receive, as I have been, my payroll deposit on XX/XX/18. I did not get my deposit. I called American Express Serve and was told they were having system issues and upgrading their system and to wait another 3 hours and my funds should be there. After waiting another 5 hours, the funds were still not there. I called customer service and was not given any information what so ever and as of right now, XX/XX/18 XXXX I still do not have my money. If American Express Serve has changed how they will be servicing me, I would appreciate advance knowledge of these changes. Had I known I would not get my money as scheduled, as experienced, I would have redirected my money and closed this card out. 

I need my direct deposit as I have a bill to pay and I can not because they are holding my funds. I need to be reimbursed for the fees from them overdrawing my card. I need to know if they are changing the way they service customers ; will money no longer be available early?