WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!
They denied me the ability to pay the loan off. Very rude and unprofessional. They want me to keep paying this loan every payday. I need assistance with this please.
I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor heard about. I realized that my credit report had negative items that i was n't responsible for and i believe that my identity was compromised and my name was in collection agency.
Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.
I received a call on XXXX/XXXX/2016 at XXXX indicating my payment was past due. Upon speaking with my credit union which traced my account we found thay the Honda financial system had been hacked and my name had been replaced with XXXX XXXX. I have no way of contacting Honda quickly other than by mail.
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by Discover Financial Services. On XX/XX/2016, I wrote to Discover Financial Services asking for proof of the inquiry. To date, XX/XX/2016, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
On XXXX/XXXX/2016 I requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close this account.
Not only did I not recieve any notice to dispute, after I paid the FULL amount to Amsher collection agency they told me it would be taken off my credit report in a couple of weeks, or I can write a letter to there supervisor and request for it to be taken off. It 's my understanding after I paid the debt ( which was wrongly in collections because of change of address and no phone calls or anything about the debt until Amsher took it over ) that it should be off my credit report in atleast 2 months. It has now been 3 months and I have contacted them several times for them to take it off while it still says " Open '' on my report. They keep telling me I have to write a letter to the supervisor to have it taken off.
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX-XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
I have a private loan that I am own without a cosigner. There have be two separate instances where Wells Fargo has called others in my family ( Wife and Mother ) besides myself looking for me. I have never given permission for others to be contacted and both do not understand how they were even contacted since they are not on my loan.
I have called twice and sent back every piece of mail with my ex husbands name on it. He has never lived at my address and even though capital one states he has been removed Im still receiving credit offers in his name at my new address
I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,
In 2013 I was given a HAMP modification. I had a company help me, At that time Nationstar was and is my servicer. At that time I reported an income of {$5200.00} per month in gross earnings. They gave me a payment of {$2400.00} that 's almost a 50 % I failed after 5 payments. I spoke to them and what they told me is that I was on a HAMP Tier 2 and that everything was done how it should be. I have never heard of 50 % of income on a mortgage payment.
This company has called my place of employment multiple times. XXXX is the representative who keeps calling me. I spoke with her last week while I was at work onXX/XX/XXXX and told her not to call my place of employment. I received notification todayXX/XX/XXXX that she again attempted to call my place of employment even after specifically telling her not to call there. I again notified her to not call my place of employment.
I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.
I wrote Equifax on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. Still to this date they have not removed these unverified accounts.
I applied for a loan payment deferral with Toyota Financial. The agreement covered 2 months XXXX of 2018 and XXXX of 2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XXXX and XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to Toyota and now my credit report shows I was late for XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and Toyota to no avail. The information sent to me by Toyota outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
I have an account with Coinbase.Inc a couples months ago and I have transferred some funds from my XXXX XXXX XXXX. 
Basically, with coinbase account you can log in to XXXX ( Company under coinbase ) and I have done a few transaction with both account. 
On XX/XX/XXXX, I tried to log in to my XXXX account and my account got suspended for no reason, there is a message says " ATTENTION REQUIRED! TRADING FUNCTIONALITY HAS BEEN TEMPORARILY SUSPENDED ON YOUR XXXX ACCOUNT.IN ORDERTO RESTORETRADING FUNCTIONALITY, PLEASE CONTACT XXXXXXXXXXXX ''. So I contacted coinbase support team by sending in a support tickets and they reply me an email says that they have received my request and are working on responding asap. Since that I waited for a few business days and still did not see any response, so I call them on XX/XX/XXXX, the representative says that he did not know what is going on and will escalated my case to their subject experts to resolve this issue, and right after that I received an email says that it will take 4 to 5 days to solve this issuse. Since that I did not hear from them anymore and I tried to contact them by sending support ticket and by calling them, the answer i got was to call back some other time due to high volume of calls. 
I have around 20+ thousand USD in the account. 
They have provided me a case # XXXX
The outstanding debt was paid to XXXX directly and by law, they must recall the account from XXXX XXXX. Therefore, XXXX XXXX has no legal reason to be reporting on my credit reports and must delete.
on XXXX XXXX, I called TD Bank of XXXX XXXX to cancel a check for {$4000.00}. i gave them the routing number for the check and check number. i explained that the check had been written out to XXXX XXXX and that I was stopping payment because i was no longer purchasing the house and needed them to stop payment immediately. The woman i spoke to confirmed that the check had been cancelled and i asked to pick up the receipt. 

two weeks later when checking that account, it was brought to our attention that they did not stop payment. when i called customer service for help, they stated that there was n't anything they could do and that they would have someone from the the plymouth meeting branch reach out to me within 24hrs. No one called within that time frame. After 48 hours, i called the same customer service number again and they reassured me that i would have someone contact me with in the hour from that branch. they never called. After that, we went into the branch and spoke to the exact woman who had supposedly cancelled the check in the first place. XXXX had me sign an affidavit and promised me that i would hear something within a few business days. its been 2 weeks and every time i call the branch, i get told that the manager is out and and that the assistant manager will return my phone call, but they dont return my calls. 

this branch lost {$4000.00} of my money and arent doing anything to get my money back.
I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.
On XXXX XXXX 2017, I went in person to the Chase Bank Chase located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX in order to pay off and close my Chase XXXX XXXX Credit Card. I clearly expressed my intention to close the account to the teller and requested the full amount to pay off the account, which I further stated may be a different amount than the account balance. I was given an amount of {$14000.00}, and I wrote a personal check for that amount. The teller stated that in order to close the account, I would either talk to a personal banker in the branch, or call card services. There was a long line for the one personal banker, so I opted to call card services. 
I placed the call the same day, approximately an hour after leaving the branch. I stated my intention to close the account, I was offered {$200.00} cash incentive to keep the account open which I declined. Once I was assured the account was closed I ended the call. 
On XXXX XXXX I answered a call that caller ID recognized as Chase Bank. 
When I answered the call, the call was immediately terminated by the caller. I was puzzled by that call and on XXXX XXXX I went in person to the Chase Bank Branch to verify the account was closed. The teller verified the account was closed, and gave no other indications to me. 
On XXXX XXXX 2017, I received a letter from Chase Card Services stating that my account was past due and that I needed to pay {$290.00} in order to avoid additional late fees. There was no break down of the charges/amount in the letter. This was the first indication that I received from Chase that they had made an error and that somehow I was expected to pay for it. I called the XXXX number and spoke to two separate customer services representatives stating that I wanted the amount cleared, and that I felt that I should NOT and would NOT pay the fee or penalties for a mistake made by their personnel. 
I would like CHASE Bank to correct the issue, and send me verification that my account is closed, and further that no further fees, interest, etc will be charged. Additionally, I would like CHASE to verify that no negative remarks or information regarding this is reported to any credit bureau.
I sent money to my sister who 's on vacation in XXXX, Western Union held the transaction saying it need to be review and they will contact me after two hrs. My sister told me to cancel if that 's how long it will take so I called 10 minutes after to cancel and they did not cancel my transaction. Their email confirmation clearly states that I can cancel within thirty minutes after sending money unless it waa picked up but now that I did they 're giving me the run around. I spoke with a rude supervisor who told me that they 're investigating my transaction and will not get an answer until 1 to 3 business days and that I agreed to the terms and conditions so I have to wait until they decide to approve or cancel the transaction.
I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
To Whom It May Concern : My name is XXXX XXXX and I am a Walmart Credit Card holder. I use my card tremendously and I am excited to have it. On XX/XX/XXXX I made a payment on my bill for {$100.00} that payment was presented to my bank account at XXXX XXXX and later returned. On XX/XX/XXXX my account with Walmart was closed because the payment was returned. I am beyond XXXX off because I have and had enough funds in my account to pay the {$100.00}. 

I on XX/XX/XXXX got in contact with my bank and told them about the situation of the payment being returned. I was then told that the debits were processed before the credits hit the account. Even though the all these transactions were done on the same day within seconds of each other. I have a printout of the transactions showing all the transactions. The direct deposit was pending on my account on XX/XX/XXXX and posted on XX/XX/XXXX. The payment from Walmart was also returned on theXX/XX/XXXX even there were more than enough funds in the account. I was told that I could have contacted them to pay the items but, that is something most customers arent aware of. 

I work hard to keep my credit cards and I work hard to get them. I would never intentionally make a payment and not pay it. I pay my bills each and every month. I, dont feel that this is my fault and my credit card should be re-opened. I have since made two payments on the account as well. 

I am asking you to please re-open my credit card account as this is not my fault and I should not be penalized for it. 

Respectfully Submitted,
It has been a battle with this bank since day one with their illegal fee charging! Even when we have money in the account to cover fees, they charge us overdraft fees!! They are stealing from their customers and it must stop!! I do not have the time or patience to go through the account for each THEFT so i am going to focus on this last one because I am done and will be switching banks!! 
We were charged an overdraft fee, they say, for a charge on XX/XX/23. THERE WAS MONEY IN THE ACCOUNT!!! Please see XXXX  report. After the last time I had to fight them to get the money back THEY STOLE FROM US and they refused to, I have been VERY CLOSELY monitoring the account and even closed the savings account as a first step to get rid of them. THEY HAVE NO RIGHT TO DO THIS TO THEIR CUSTOMERS!!! This bank should be shut down for all the illegal actions they take on innocent consumers!!!
I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting
I applied for the XXXX XXXX XXXX XXXX Business Card on XX/XX/XXXX and was approved. There was a bonus offer of " A {$100.00} STATEMENT CREDIT after your first purchase on the XXXX XXXX XXXX XXXX Business Card within your first 3 months. Plus, earn XXXX XXXX XXXX  Bonus Points after you use your new Card to make {$3000.00} in eligible purchases within the first 3 months of Card Membership. '' I made my first eligible purchases with the card on XX/XX/XXXX, and completed {$3000.00} in eligible purchases on XX/XX/XXXX. 

On XX/XX/XXXX, I confirmed that these offers were in effect via the " American Express Chat '' online. However, I followed up on the status of the offer ( since I had not yet received either the {$100.00} statement credit or the XXXX bonus points ) on XX/XX/XXXX, and I was informed via the " American Express Chat '' online that the welcome bonus offer was declined.