WillisBack/dataset-financial-user-claim huggingface dataset:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified the credit reporting agency and they ignored my request for correction. 

1. The information is incorrect for the following account XXXX XXXX, XXXX XXXX, LA XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please Update to XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX 3. The information is incorrect for the following account Federal Tax Lien Case Number : XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report.
I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do
I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with
XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. 

XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. 

XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. 

PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. 
-they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. 
-They claim I have no protection on this sale because my item was a non tangible. 

How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud?
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting
I was contacted via e-mail on XXXX about my Chase credit card. It was being used in a suspicious manner. Turned out there were XXXX instances of fraud using my card number this month. I immediately contacted Chase to cancel the account and report the fraud. The last case of fraud was local and the person is on the store security video. I attempted to file a police report with the local authorities but they needed an affidavit of fraud from Chase. Chase claimed to know nothing about this form and would not provide it. I have been on the phone with Chase numerous times and have not been given answers. In XXXX case I was put on hold and hung up after over XXXX minutes! I have since received a card from Chase to alert me that my account had been closed to protect me from fraud and it says there had been no fraud against my account. I asked Chase about the exact meaning of this but they give me the runaround, not providing answers. I have just about had it with them. I have been a great customer and do n't deserve this kind of treatment.
While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX
I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.
I had XXXX at my doctors office in 2014 and they used a lab that was out of network with my insurance. I was told by my healthcare provider that this company has more comprehensive testing and has agreed to not bill for denied test and deductibles because I am using a out-of-network lab. My insurance posted all of the charges to my {$1500.00} deductible. Now 2 years later I am receiving invoices and calls from a collector for {$1300.00}. The lab company apparently filed for bankruptcy and a collector has bought all their account receivables. My doctor has called them on my behalf and explained that the only reason they used this lab is because of their stated billing policy. If my bloodwork had been sent to my network lab they would have paid and the deductible would not have applied. They are extremely rude and tell me that my doctor and I broke the law by even having this type of agreement and that they are going to report us to the proper authorities.They threaten to report me to the credit bureau 's. 

The bottom line is this collections company is trying to collect a debt that I am not responsible for and they will say and do just about anything to get it. The bankrupt lab is currently being sued by the lab that purchased all its assets because of these very collections practices that they are using.
On XX/XX/XXXX, I made a special trip to XXXX XXXX XXXX because there was an issue with my money being direct deposited from my retirement account namely XXXX and a check was issued. I immediately deposited the check into Bank Of America through the ATM because there was at least a two hour wait to see a bank teller and absolutely no air or air conditioner in there XXXX XXXX Branch located in the XXXX. The check was a city issued check and was not an out of state check. To my surprise, the check is not going to clear until XX/XX/XXXX however they released half of the funds. I am being told that the check is out of state by a XXXX XXXX who is a supervisor for the Bank of America customer service located in Georgia. He reiterated that there is nothing that can be done about releasing the funds and no one can release the funds. I am caring for my XXXX year old mother and XXXX sister and that this is just not going to suffice. It is unethical and I believe illegal for them to hold my money hostage and I would like to file a complaint.
I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me
On XXXX XXXX,2016 are vehicle was totaled, the total payoff was {$8200.00}. On XX/XX/XXXX our regular payment came out of our account for {$350.00}, we had automatic payments set up from the beginning of the own. At the end of XX/XX/XXXX our insurance paid {$7600.00} and our GAP Insurance paid {$640.00} in XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX came out of our account. Between car insurance and gap insurance the car was paid off. The loan company sent us a check for {$280.00}. The loan company owes us for two full payments that would be {$710.00}. I spoke with loan company on XX/XX/XXXX and the lady said she would put in for a 5 day request to review my dispute. I called back on XX/XX/XXXX and was told it was up for audit on XX/XX/XXXX. I called back on XX/XX/XXXX and now they are saying it is up for audit on XX/XX/XXXX and it would take another 21-30 days. To me it is simple add and subtract but they keep dragging it out.
I took loan out months ago made installment agreements. 
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.
The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.
On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.
I wrote a letter to Equifax, XXXX and XXXX dated XX/XX/2018 informing that there is negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to Equifax. However, XXXX and XXXX also received the same letter, dated the same as well.
Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.
I recently opened a checking account with Simple which is a XXXX Compass bank. They advertise online frequently. After opening my account I made a few initial deposits with no problem and then I transferred {$3000.00} to the account. Simple immediately froze my account and asked for verification. After sending in over XXXX documents and waiting almost 3 weeks they closed my account and told me they would send me a check for the amount in my account. Today I recieved a check for {$110.00} and I do n't know where the other {$3000.00} is. Support blocked my number from calling them and they will not answer me through email or message.
There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called the XXXX XXXX XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call the XXXX XXXX XXXX. I was caught in a XXXX with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.
I have disputed a XXXX XXXX XXXX XXXX account on my credit report with Experian all of XX/XX/2018. Experian have violated the Fair Credit Reporting Act they are not properly investigate this item. They keep saying the item is verified. HOW CAN YOU VERIFIED A ITEM IF YOU HAVE NO WRITTEN CONTACT? HOW ARE EXPERIAN VERIFYING ITEMS? I have requested documentation with my signature on they have failed to provide me with it. Experian need to prove to me that they are reporting hundred percent accurate information ( they are Not ). In the documents I have uploaded states I want all the documentation that Experian have to verify that this account is mine. And remove all Non account holding inquiries I have contacted all of the companies they have Not provided me with written proof are authorized none of the inquiries
I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me documents.
COLLECTIONS XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2014 Amount : {$150.00} 1. Never had services rendered 2. Someone - else account ( not my account ) 3. Identity theft victim
I have written Equifax twice about a collection that has no account name asking for more information. They do not respond to me. 

It reads : Account # XXXX. {$97.00}. XXXX/XXXX/2013
I had a membership for my dog with XXXX XXXX Hospital. 
At XX/XX/18 I call and cancel my membership After I cancel my membership XXXX XXXX Hospital still trying to collect money from my bank account. The amount I pay XXXX XXXX hospital was {$25.00} dlares each month. 
XXXX try to collect money from my bank account even after I cancel my membership and they actions result extra charges on my check account.
This is my 3rd attempt at trying to resolve this matter with XXXX. XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.
Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.
loan officer continually posts Interest rate without APR. I asked for the same Rate and APR since on her XXXX post it only states the PAR conventional Rate and no APR. was told no
I have written and requested that Trans union, XXXX and XXXX and asked them to please remove the incorrect addresses from my report and also to remove all Hard Inquiries from my credit report immediately! 
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
Trans Union The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX ... 
XX/XX/2016 2. XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 4. XXXX XXXX XX/XX/2016 5. XXXX XXXX. XX/XX/2016 6. XXXX XX/XX/2016 7. XXXX XX/XX/2016 8. XXXX XXXX XX/XX/2016 9. XXXX XXXX XX/XX/2016 10. XXXX XXXX XX/XX/2016 11. XXXX XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
XXXX Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX