WillisBack/dataset-financial-user-claim huggingface dataset:
chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.
I disputed this item with Equifax and a proper investigation was not preformed according to the FCRA
My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.
Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ). 
Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would. 

PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}. 

PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX. 
SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT. 
MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL. 
Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts. 

Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ). 

BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}. 

AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN***
For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
I am a XXXX and I have been trying to apply for an Income Repayment Program through the XXXX XXXX XXXX XXXX loan XXXX program. I consolidated my loans with XXXX and I am unable to pay the monthly amount. I heard that I qualify for XXXX from my military service, but the XXXX XXXX 's XXXX in XXXX has been contacted several times about my loan from XXXX. My XXXX XXXX XXXX XXXX was disbanded in XXXX and the moved to XXXX in XXXX CA and they lost my information. I have my information and from XXXX XXXX and need to proceed.
Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX  XXXX. I wonder why XXXX, XXXX   and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
I sent an investigation request to the credit bureaus on XX/XX/XXXX. Equifax and XXXX  have not responded yet, and they're supposed to respond within 30 days.
Bank of America fraudulently accepted a mortgage loan on false identity, false income earnings and information, accepted information of identity theft of deceased person ( XXXX/XXXX/2002 ) -accepting falsified IRS documents of my taxes of an employment of the company that produced the loan when in fact I never worked there. Bank of America has accepted a loan that should of never been processed because all of financial information was bogus, fraud, identity theft - the mortgage brokers were XXXX and were XXXX while doing the loan ... the loan was for {$160000.00} on a house that was not even my home and converted the home as identity theft from my deceased mother as we have the same names. The mortgage broke transferred the title and deed of the home without my knowledge or permission and attempted to transfer the title assuming this had been done during her estate upon her death. 
Bank of America has not acknowledged their mistakes and my lawyer & I discovery papers that have verified that facts remain true to this travesty of errors.
Evergreen professional recovery has repeatedly called my place of employment in an attempt to get ahold of me after I explicitly told them not to call me at work.
I am a customer of  XXXX   XXXX  and have a brokerage account with them. In  XXXX  they sent out an offer for their  XXXX   XXXX  Client Rewards Card. I applied, they did a hard pull on my credit report from  XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my   XXXX   report and verified that all the information was correct, wrote to  XXXX   XXXX  to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is  XXXX   XXXX  's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my  XXXX  score of  XXXX , and that I have a $  XXXX  account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly  XXXX   XXXX  has denied me credit because I am a non-citizen. Please make them stop.
We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX
National Credit Services has been reporting on my credit report for a number of years an account that no longer belongs to the client they once represented. I that this is an aggregious act of misreprentation, fraud, and harmful to consumers. Spoke with XXXX XXXX office on XXXX, who reported that have not done business with National Credit System in years and they should not be reporting or collecting any money on their accounts. However, when I contacted NCS, they indicated I had an balance of {$160.00} and were ready to take a payment. In fact the account was XXXX which had already been paid but yet here they were trying to take a payment for an account which was no longer theirs.
I am in the process of securing a mortgage and my bank representative did not get my credit report from Experian. On XX/XX/XXXX-XX/XX/XXXX the bank representative and I called several times to Experian and found out that my first name was appeared incorrectly in their system. So, I asked Experian to change my first name. XXXX, the supervisor of the membership service of Experian told me that he can not change my name as it is officially appeared as XXXX and their system can not include a name just with two letters. My bank representative and I talked with at least five employees at Experian by pointing out that my official first name is XXXX and that is appeared in all of my federal documents ( including passport and driver 's license ), employment records, as well as other credit reports ( such as XXXX and XXXX ).  However, Experian did not change my name. It is unacceptable that I might not secure a mortgage due to the negligence of Experian. But the surprising thing is that the supervisor of Experian membership service did not listen to my concern at all ( I reached to him after an hour of phone waiting ), but rather claimed that I talked with him last week ( which I did not ), and hanged up the phone abruptly.
My identity was stolen and used by others to apply for a credit card and a bank card. Now I am stolen in TD Bank. I suspect that I am being used by others to conduct money laundering activities. However, td Bank thinks that I am not my own. I have to complain to the Federal CounciXXXX that these banks are not enough. Protect the personal information of consumers and cause serious damage to the victims!
Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.
as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..
A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.
Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.
TransUnion continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to TransUnion and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
We contacted TransUnion Credit Reporting Agency about a week ago we did call for a date but the customer service would not give us the call date. The complaint is XXXX XXXX credit score was about 735, then it dropped 25 points. XXXX called TransUnion to ask why his score had dropped XXXX points they said it was due to a old negative mark from XX/XX/2011. The negative mark as been on his record sinceXX/XX/XXXX and is the only negative mark on his record and is due to come off XXXX of this year. They admitted he had good payments and other negative marks.
showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX over charging on interest rates
My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.
This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.
I have spoken with multiple reps from XXXX XXXX who purchased my account from XXXX XXXX. I have received phone calls prior to XXXX and after XXXX. I have asked them not to contact me regarding this matter being that I have no contract with them. This month, after receiving numerous phone calls at all times of day and night from auto-dialer numbers, I was transferred to XXXX XXXX, who was not available. I proceeded to speak with a young woman referencing the account and explained to her that according to their policy, consumers that exhibit unforeseen financial or medical hardship can have collection actions ceased and the account removed. I also explained that I had a change in employment in XX/XX/XXXX-XX/XX/XXXX that caused financial hardship. As of this year, I have had several health complications and have had to take on the responsibility of caring for my aging parents : one with mental health issues. This coupled with my own medical issues, has created drastic financial strain.
I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.
Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, XXXX
Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX