WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a business credit card in XX/XX/XXXX ACCOUNT ENDING IN XXXX, I PAYED EVERY CHARGE I MADE ON THE CARD. ANOTHER CARD WAS FRAUDULENTLY ISSUES TO A XXXX XXXX WITHOUT MY AUTHORIZATION and various charges was made on a card that i did not authorize, some HOW they were able to changed my correct address to a unknown fraudulent address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX, according to the statements they sent to me on XX/XX/XXXX In XX/XX/XXXX AMERICAN EXPRESS AND TOLD THEM AND AFTER HAVING TO CALL SEVERAL TIMES THEY FINALLY CORRECTED THE PROBLEM IN XX/XX/XXXX AND I HAD A $ -XXXX CREDIT BALANCE ON THE ACCOUNT NOW I GET MY PERSONAL CREDIT REPORT AND THEY FLAG MY ACCOUNT AND PUT THAT FRAUDULENT CHARGES FROM THE BUSINESS ACCOUNT ON IT. 

I CALLED AMERICAN EXPRESS SEVERAL TIMES AND THEY CLAIM THEY DO NOT SEE THE ACCOUNT ON MY PROFILE, BECAUSE THE ADDRESS I GIVE THEM IS NOT ON THE ACCOUNT SO THEY CAN NOT GIVE ME ANY INFORMATION
The company " Transunion Credit Bureau '' charged me {$19.00} for a membership without my authorization. The website doesn't inform you that you will be charged for registering on the website. This company is a completely fraud and wants you money!! You can't hide any cost from people in order to trick them, it's not ethical to do that.
I am writing to correct a complaint I recently filed against XXXX XXXX on behalf of XXXX XXXX XXXX. I reported the wrong collection agency by mistake The account is actually held by XXXX XXXX on behlf of XXXX XXXX XXXX not XXXX XXXX. 

However, the rest of my complain is valid and is as follows : This debt is reported as " educational '' but it was for rent at the XXXX  apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but XXXX XXXX has since purchased the debt, inflated it by thousands of dollars and reaged it.
XXXX XXXX XXXX XXXX. Have been calling my job numerous times a day, my cell phone and leaving messages at multiples XXXX for me numerous times a day ( I work out of many XXXX  ) when you first answer the first, XXXX never identify his self. He asks for me as name and poses as a parent I work with. Or a parent inquiring about something. When I ask where he is calling from is when he identified his self. When I finally asked them to stop calling my job because I got in trouble I was told that they will sue me and had a very nasty attitude and was aggressive with me on the phone. After the man XXXX was done with me he place XXXX on the phone who tried to be nice but was nasty as well. I repeated myself for the 7th time to contact me via mail only and do not contact any number for me and they she proceeded to tell me that a lawyer will be involved and will be calling me. She doesnt understand if I was able to pay a bill for 4 years what happen. And they can take everything else from me. 

After that comment I was highly XXXX off. I said to her I dont owe her an explainatation and will like all the information they have on this account to make sure that I am the one that actually owe this debt. I am not sure if they will be contacting me again but I asked to be contacted via mail.
XX/XX/XXXX {$300.00} payment told verbally that it delay XX/XX/XXXX!!!! 
XX/XX/XXXX {$500.00} payment has cleared but the card company has once again put my payment on hold with no explanation. They now have stolen {$500.00} for their use.
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX  , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
I have tried to fix this numerous times with no luck and they have to license to collect in my state and repossessed the bike and sold it for nothing and the debt is over 4 yrs. in Texas making it over with
Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.
Experian credit reporting company has not removed a old account on my credit report after it has been disputed 3 times or more it is not a correct account the amount are not correct and all other credit reporting companies have removed the account. I did not get any warning that this was building debt up to collection.
I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare/medicaid and this item is not mine.
I can not use my credit card to make purchases or log into my online account to see the amount of balance I owe. Around XXXX/XXXX/XXXX, Chase says my account must be reviewed by fraud team due to potential fraud associated with the account. All the purchases have been made by me or my son ( who is an authorized user ), and they said someone from fraud department will contact me by next day or two days.
Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.
Before I leave XXXX, I cancelled my credit card account with Citibank and paid all the bills in full. Several months later my brother contacted me that XXXX XXXX XXXX XXXX sent me a mail to collect money on behalf of Citi. I called Citi asking them if they can provide me the last billing statement. They simply ca n't provide me the detail. Of course I 'm not paying them!! What for? I have good standing account with XXXX and XXXX XXXX, never have any problem with them. 

Several years have passed, they still sending me letter. This time they offered me to pay only XXXX instead of XXXX. I called them again, the same thing happen. They ca n't provide any details. I 'm really dissappointed with them. This time I decided to pay it off, let Citi has my money. I am sharing this hoping that other people do n't have to go through this, especially if they are asking for a bigger amount. I do n't think Citi treat me fairly, I just asked them to send me the account statement. They ca n't provide it but they want my money.
I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.
XXXX XXXX has failed to send out fraud forms and readjust the balance on my account including the minimum amount due due to fraud charged on my credit card. Additionally they have reported to the credit bureaus that I am 30 days late on a payment, I have lost the card 2 months ago and I have not been able to log into the account online due to it being blocked.
I am behind on my car payments, however I do pay and when I do I make addtional p ayments. Satander calle d an acquaintance that is not even listed as a reference and an ex boyfriend I have n't spoken to in over 10 years to ask for me and disclosed the nature. The call was made by  XXXX  at  XXXX , on  XXXX / XXXX /  XXXX  . Whenever I am  2 weeks past the due date, I will get 3 calls in the day. 2 hangups in the morning an d then a final  one  from the same person  XXXX . They will even cal l on Sundays. From the looks of my account they are only applying the payments to interest and not to prin ciple. I did not give them permission to call anyone other than me. They have my address and phone number. They was no reason for her  or Satander to call anyone o ther than me especially someone I have n't dealt with a very long time. My fear is that they will harass me at my job or anyone else they come up with. The only mail I have received is my monthly statement.
The company is loan care, and I believe they are messing up my escrow account. I have verbally asked to have the account terminated and I was told no I have to submit in writing. I over paid escrow in 2016, i received a letter on the XX/XX/XXXX stating I need to file for another check since it was never sent to me. On the XX/XX/XXXX I faxed the info, letter said 7-10 days to process and today is the XX/XX/XXXX and still has not been processed. XXXX XXXX from the department has not returned my calls from the last two weeks and no one knows where the check is. I have called several times to no avail when I looked them up they have 100s of complaints about this very issue and customer service. They have a 1.2 rating with the better business bureau. And how has my mortgage gone from XXXX to XXXX in 3 years when my insurance is cheaper and taxes are the same? Please help me figure this horrible company out. Thank u ... XXXX XXXX
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with XXXX   XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with Experian XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX  is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you XXXX has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX  and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
I went to this car dealership with thought of purchasing a vehicle. When they asked to pull my credit- they told me they were going to shop the loan. I told them I didnt want my credit repeatedly pulled. They told me it was a soft pull and all reports pulled same day would only hit my credit report once. XXXX XXXX XXXX dealership pulled hard inquiry- then they had XXXX XXXX Credit pull hard inquiry and then XXXX XXXX XXXX XXXX XXXX pulled hard inquiry. These hard inquiries negatively affected my credit and credit score
My loan was sold to a new servicer effective XX/XX/XXXX. I did not discover this until today, XX/XX/XXXX, and I only discovered it because I noticed the payment I made on XXXX had not yet been pulled out of my account. When I contacted Cardinal financial I was told that the loan had been sold and the payment was returned. They told me they mailed me a notification of the change on XX/XX/XXXX ( which I have yet to receive ). As I understand the rules, they should have given at least 15 days notice. Instead they mailed something out 6 days before my payment date and called on XX/XX/XXXX after XXXX. There was no email or secure communication through the website, despite the fact that I'm a paperless customer.
After having XXXX XXXX off my account back in XXXX, Ive realized Equifax failed to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification.
3 people requested to be put on my credit card and capital one will not give their names. Capital one said that they knew my personal information. All that they did was issue a new card I asked them to give me their names and capital one refused how can I protect myself if I dont know their names. Can you help me please
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : 1 XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Utilities And Fuel XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
On XXXX XXXX I contacted Equifax to place a 90 day credit freeze on my account. I have the confirmation email from them stating that a 90 day freeze was successfully placed. 

Today I received notice from XXXX that a new account was created in my name. I did not create this account. In fact, it should not have been possible for the account to be created because there should have been a freeze on my account. So I went to Equifax 's website via TrustedID and found that, in fact, there was no freeze on my account. I was also able to verify that XXXX made the credit inquiry into my account on XXXX. 

As a result of Equifax 's failure to deliver the promised 90 day freeze on my account on XXXX, my identity was able to be stolen on XXXX and used to fraudulently create a mobile account in my name. 

I attempted to contact Equifax 's customer service, but the first number I called ( XXXX ) XXXX was purely an automated system and could not connect me to an agent or representative. And the second number I called ( XXXX ) XXXX was busy all three times I called it. 

I did attempt to place another credit freeze on my account *today* using their automated service, but as this complain explains, I have no faith that this actually occurred.
XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. 
It was unclear when applying what the bank verification was trying to attempt. 
The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. 
My income check auto deposits to a Credit Union in a different state than where I live. 
I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. 

When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. 
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I opened an account with Capital One back in XX/XX/2017. I make a monthly payment of $ 600-700 month on this account, but despite that, my balance continues to go up. The credit limit is only {$3500.00}, but Capital One now says I owe them {$5600.00}, which is {$2000.00} over the credit limit. On multiple occasion, I have requested a detailed explanation on this account to explain how I could owe more than {$2000.00} over the credit limit, when I have made loyal payments for month. Capital One refuses to supply me with that information, and have now started reporting my account late on top of it.
In XX/XX/XXXX I applied and was approved for a Citi AT & T Access more card, it came with a bonus offer of a free att phone ( {$650.00} ) worth if you spent {$2000.00} in 3 months, which I did. I did not use the offer immediately because the terms and conditions of the offer listed no expiration date. I called in on XX/XX/XXXX to check if the offer was still attached to my account and the lady said that it has expired. I then rechecked all the terms to make sure. Multiple calls and chats led nowhere, no offer to redo the spending requirement ( which I am willing to do ), no offer to fix the expiration problem.
I am filing this complaint because XXXX ignored my request to provide me with the necessary document that their company has on file that was used to verify the accounts I disputed. Being that I have gone past the 30 day mark and can not verify theses accounts, under section611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Back in XX/XX/XXXX, I was making a deposit at Bank of America branch ( XXXX XXXX XXXX, XXXX, CA XXXX ). Based on the small talk with the teller, there were several withdraws, total at {$12000.00}, at several branches of BofA at XXXX, Florida. Right away, I knew someone somehow stealed my money as I 've never been there. Due to the fact, I speak limited English, I asked the teller to help and called the customer services of the B of A to report the fraud ( claim # XXXX ). On XX/XX/XXXX I went to local police station and file the report, the case # is XXXX. I was informed by the police officer, it 's better to contact bank of America to get the money back. Without hearing anything back, on XX/XX/XXXX, I went to the branch again to ask the rep to help and called the customer services of B of A and was told by services rep at customer department that it will take up to 3 weeks to do investigation and know the result. However, on XX/XX/XXXX, I received the letter that indicated that they denied my claim. I called the next day to ask for evidences, such as signature on the withdraws slip as it 's withdrew from the counter, also the surveillance video footage. I did n't hear anything back before I made another call on XX/XX/XXXX, I told them I never left California and never did any withdraw in XXXX Florida and wants them to showed me the evidence : signature on the withdraw slips and the video footage from that branch. They told me they 'll do more investigation and they need police department to authorize such request. When I went to police station and was told that they do n't this type request.