WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  , XXXX XXXX  XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts.
Home was damaged by hail, insurance adjuster paid for new roof as well as damage to other structures and items on my property that was also damaged. Mortgage company will not send me the money back for damages to my personal property, its not collateral, mortgage is for the Home only, not any other property, Mortgage company has no right to hold money for something that is not collateral. its not up to them if I replace a gazebo or not.
I was denied a business account with a local bank, mind you, I have several business checking accounts started in the past 3 years. I was told to contact ChexSystems. I called and requested a copy of my report. I received it and disputed the charge of {$96.00} from XXXXXXXX XXXX XXXX  from XX/XX/2014, which I'd have paid if I owed it. They sent me back a letter stating they " verified '' the information and it would stay on my report and that I should contact the bank. Contacted the bank again who told me to contact ChexSystems because I owe NOTHING in their system. Spoke with ChexSystems and they told me I had to file another dispute because they put the wrong phone number for XXXX XXXX XXXX  on their " investigation report ''. This is horrific because there is no accountability with ChexSystems. Who did they " verify '' this information with because XXXX XXXXXXXX XXXX is telling me I owe nothing?
I have recently moved from Ohio to North Carolina and bank with Huntington. On XX/XX/XXXX I made a mobile deposit of XXXX from a check from XXXX XXXX. The mobile site on Huntington stated my funds would be available next business day. However they were not. I needed to make another check deposit of XXXX. So I mobile deposited XXXX on XX/XX/XXXX. I called the bank to confim access to my funds but they stated they had to put a hold on my account due to the suspicion of fraud. No one would and could tell me anything else other than I was locked out of my account and wouldnt have access to anything until the following week once everything was cleared. Knowing this I told the representative that I would have to put a stop payment on the second check so that I could have cash available to me since I did not have another bank in my new state. It is now XX/XX/XXXX and my bank still has yet to unlock access to my account I can not see anything online nor use my debit card. I am now being told they are going to close my account due to risk but that is all they will tell me and once it is cleared they will mail me a cashiers check with the money in my account. I attempted to update my address with them over the phone since I did not have access to my account and they are unable to do that as well. My problem is the lack of communication to resolve the problem when me the consumer has done nothing wrong! I need help and I need this to be known that I am putting up a fight because Huntington has not done its job to protect the customer and only penalized me for something that is beyond my control. The check is not fraudulent and the understanding that my friend was putting a stop payment so I would have access to some cash should not be a reason to penalize a customer of 10 years. To top all of this off every day I made a phone call to see the updated status of my account and every rep. was rude and told me a different story of why and when my account would be available.
My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.
During XXXX XXXX, 2017 at XXXX ( late ) I received a threatening call from Pay Pal services regarding a credit Line that I owe with them. The guy sarcastically laugh after I complained about the calling hour. Also he constantly asked about my name and when I ask who is he representing, he hung up. I found out that is was pay pal when I call back the to that number in the morning. I also include a print screen of the phone call that contains the hour, date and specifies that is was a call received.
I found out I had an outstanding student loan this year after I filed my taxes, when my refund was taken. I made contact with the XXXX XXXX loan and the collector.I explained the situation and that I was disputing as the information that they had on file was from over 20 years ago : the address was from when I still lived at home with my parents, my phone number was incorrect, my email was incorrect and I was not aware of having this loan. I was told that I would need to file a dispute and contact them when I heard back - this would have been in XXXX. I started the dispute and requested copies of the paperwork at that time. I was assured that it would be sent. I never received it. 
In XXXX I received apx 20+ calls from number I did not recognize that only left partial recordings on my voicemail- none identified the company, who they were trying to reach, or why. 
In XXXX and XXXX the same. Multiple calls from a robodialer, sometimes minutes apart. None identifying who they were, why they were calling, other than " an important matter '', and a partial message on my voice mail. 
I actually spoke with a XXXX ( or XXXX ) XXXX in XXXX. I answered the phone and was immediately bombarded with rude and abrupt questions and threatened with having my wages garnished if I did n't immediately do as she said. I attempted to explain that I was disputing the loan and her reply was " You 've had enough time, you need to pay this now ''. I asked for her to send me the Promissory note- she told me that she would not. I asked if it could be emailed, no. I asked for her supervisor and was told that he was n't available and that he would n't be able to help me. 
I hung up the phone and called back after work- The Company that has my loan is Accounts Control Technology. I spoke with a XXXX XXXX who claimed to be XXXX Supervisor. I explained the issues I had been having, requested the paperwork again, and was told no problem, he would mail it out. 
It 's been 3 weeks and I still have n't received the paperwork. 
The phone number they have been calling from is XXXX. The extension I was given was XXXX. These people are harassing, threatening, bullying, and intimidating me in an attempt to get money for a loan that I am trying to prove I did not take out to begin with. I have no idea where to go with this.
Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX XXXX XXXX
BANK OF AMERIC A (  FIA CARD SERVICES ) ARE VIOLATING THE DODD-FRANK  WALSTREET REFORM A ND  CONSUMER PROTECTION ACT. T HEY ALONG WITH ALL CREDIT FURNISHERS ALLOWING  XXXX  TO SUPPRESS CONSUMER CREDIT REPORTS WHILE DOING BUSINESS WITH THEM. IS A UNLAWFULL, IN ADDITION PAY  XXXX  MILLIONS IN REPORTING FEE  ; S.      SHOULD YOU NOT CORRECT THIS MATTER WE WILL FILE A CLASS ACTION AGAINST   XXXX   AND ALL CREDIT FURNISHERS TO WHOM FAIL TO ADDRESS THIS MATTER DIRECTLY WITH THIER  XXXX  LEGAL DEPT.      XXXX  DATE NOTICE TO FILE SUIT.
PNC refuses to acknowledge their property tax rate for my property is wrong. I 've provided documentation stating as much. Now they continue harassing me by saying that I 'm in risk of getting reported to the credit bureaus for not paying. However, I 've never missed a payment and refuse to pay more than what I actually owe.
I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX
Equifax is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Equifax to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Equifax report.
I am a rushcard consumer and my balance says XXXX I had direct deposit to this card. My lights and gas were disconnected because the day I was supposed to pay it my money went missing. I have been sending them messages, calling, and tweeting them to no avail. I need my money. How am I supposed to live. I call and get hung up on. Or they tell me that they are doing the best that they can. I have a child to take care of. XXXX rep told me that my money is safe with them so do n't worry. If anyone could help it would be greatly appreciated.
Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.
I had a reserve balance of {$990.00} in my account tried to call paypal executive escalations. The disputes department only gives temp credits when they feel like it and make people waste their time!!!
XXXX/XXXX has failed to provide me with any documentation showing that the original credit amount in XXXX of {$50.00} ( according to Experian report ) to the questioned account after it was first requested. I have never received any invoices/bills at any time when the first amount was reported to Experian in XXXX or any billing cycle since that time. I reported the issue to Experian on XX/XX/XXXX as to having no knowledge of charges to the account nor do I have any knowledge of setting up this account. Experian responded with the information shows accurate and that I should contact the creditor XXXX/XXXX directly. I sent a letter certified mail on XX/XX/XXXX to XXXX/XXXX requesting they either remove the negative report from my account and/or send me copies of bills/invoices showing charges and how this original {$50.00} dollar credit came about, where the billing address is that was reported on the account, and what store the account was opened at. On XX/XX/XXXX XXXX/XXXX  responded that they reviewed my information and that it shows accurate and to contact one of the credit agencies. They specifically ignored my request in the certified letter sent to them asking for the documentation on the account. XXXX/XXXX in response to my letter, instructs me to contact the credit agencies such as Experian. Had XXXX/XXXX really looked into this account as they stated in the letter, they would see Experian is aware of the issue and referred me to XXXX/XXXX for further help. 

I previously asked XXXX/XXXX  to send all documentation including copies of bills listing items purchased, address original bills had been sent to, original account opening documents and the store/facility location that this account was opened at. I have disputed the situation with both Experian, and the XXXX directly and neither has assisted in the efforts of resolving this issue. They have yet to return any details showing how this balance came about. I can't fix the problem if the companies involve refuse to send supporting documents that would allow me to see how the balance came to be past due for items purchased that I have no knowledge of. I sent Experian a dispute on the accuracy and they sent back they found the information is correct and to contact XXXX. I sent certified mail requesting these documents to XXXX and got a generic response stating they checked into the information and it is correct. This is not enough to satisfy me as the account should be removed since it is not accurate information being reported and the company refuses to send me the documentation I requested. I would also like to note that according the the Experian report the original charge was XXXX dollars. Had this invoice been sent to me originally at the time of the charge I would have resolved it one way or another with XXXX immediately. No other parties would have been involved with this issue as I would have the documentation to report fraud and resolve the issue before it hit my credit report. I find it hard to believe that XXXX has not in this entire process seen that I have lived at the same address for 8 years and did not send 1 notice about this issue.
JPL recovery solutions keeps calling me and several of my family members harassing them about my whereabouts. Theyve claimed that I used each family member theyve called as a reference which is untrue. Ive gotten 2-4 calls a day. This has been going on since XX/XX/2018.
on XXXX XXXX i file a consumer complaint with XXXX  XXXX euiqafax about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and university XXXX XXXX for {$310.00}
In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.
On XX/XX/XXXX I received a notice that my bank account ( held jointly with my husband ) at Citizens Bank was overdrafted. I immediately reviewed my account and found two fraudulent checks cashed on the account. The first was for {$4200.00} ( cashed XX/XX/XXXX ) and the second was for {$1800.00} ( cashed XX/XX/XXXX ). In total our bank account was debited for {$6000.00} in fraudulent transactions. I verified that I still had in my possession the legitimate checks and went immediately to the bank where they filed an investigation and had me sign an affidavit, opened a new account and put a fraud warning on the original account. 

We have tried to follow up several times with Citizens Bank to determine when our account would be made whole and we have had little to no help. My husband attempted to reach out to the Loss Prevention group and no one would speak to him. We jointly spoke with a woman in the customer service department on Saturday XX/XX/XXXX that told us that our investigation would be closed on Friday, XX/XX/XXXX and the funds would be returned to our account. That woman was supposed to follow up with us to answer some additional questions regarding Citizens repeated attempts to pay a bill from our account and she never returned our calls so I then went into the branch on Thursday, XX/XX/XXXX and spoke to a local representative. He called the fraud department directly on my behalf and was also told that the investigation would be closed on Friday XX/XX/XXXX and the funds would appear in our account by Saturday XX/XX/XXXX. He even confirmed that he was allowed to relay that information to me. Those funds have still not been returned to us. I followed up this morning with the same local representative who again reached out to the fraud department for us and we are now being told that they won't return our funds to us until they recover them from the banks that cashed the fraudulent checks. My husband called again to customer service this evening and was given the same answer and told that they were allowed to keep our money from us for 8 weeks. 

We live paycheck to paycheck and can not pay our bills without this money. Citizens Bank does not deny this was a fraudulent transaction. We have showed them the physical checks which are still in our possession. One of the fraudulent checks does not even have the correct bank account information on it, however they were still cashed. Citizens Bank should not be forcing us to take the penalty on this. We have been promised that the money would be back in our possession by now and they have decided that they'd rather their customer feel the pain than make us whole. Citizens Bank clearly does not value their customer service relationships. They've lied to us and led us on for weeks now.
I transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.
After XXXX missed auto-payment to XXXX I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( XXXX ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.
Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.
Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.
I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Dear Discover Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting XXXX to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XXXX/XXXX/2016 XXXX XXXX Sales {$5000.00} XXXX/XXXX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.