WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.
This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.
I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX- that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for XXXX or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want TRANSUNION, LLC and/or TransUnion, LLC to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Like all my other banks and financial institutions I conduct business with, I sent Chase Card Services of XXXX, Delaware, XXXX, a Change Of Address letter in writing on XX/XX/XXXX, that my address changed from XXXX, XXXX, IL XXXX To : XXXX, IL XXXX, in an effort to protect my identity under the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX by making sure my sensitive account information was not misdirected to the wrong addressee. Every institution complied immediately but JPMorgan Chase & Co. To date, my neighbors are still receiving my credit card statement ending in XXXX. I believe this is because Chase Bank USA , N.A . is ran by a XXXX who delight in harassing and tormenting people of XXXX American decent as myself as this is highly inexcusable conduct. Since JPMorgan Chase & Co. / Chase Card Services / Chase Bank USA , N.A . is too incompetent to handle the financial affairs of Americans protected by the Fair and Accurate Credit Transactions Act ( FACTA ) of XX/XX/XXXX, I demand a cease and desist of my credit card activity with this bank and/or its entities.
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX and was advised I owed a balance of {$940.00} due to a patient first bill when I was sick and ended up going to the hospital back in XX/XX/XXXX. They original bill was only {$720.00}, I agreed to pay this amount only and asked for a settlement. They offered a settlement of {$850.00}, I advised I was unable to pay this much and that I only want to pay they bill I owe. I was told I signed some " contract '' that I do not recall signing as I was INCREDIBLY ILL at the time and they are using this to get extra fee 's and charges out of me. I only owe my doctor bill and that is all I will pay. I recently call back in XX/XX/XXXX as it was hitting my credit showing the balance was increasing. I asked for a settlement for the {$720.00} and was turned down. They advised me I could pay the {$850.00} settlement right then and there or they will not settle. I could not even get a few days to get the money. Currently there is a balance of {$320.00} owed and I refuse to pay anything higher then the bill amount. I never received a letter stating anything I owe, I received a phone call. Nothing in writing ever!! It is against the law to make someone pay a debt larger then the bill amount. I will pay the doctor bill owed and that is it. I should only owe {$120.00} as I paid {$600.00} in XX/XX/XXXX for the bill of {$720.00}.
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report. My XXXX XXXX account shows Equifax block receiving updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
1. Multiple ACH in the same month- Selene Finance has done XXXX ACH transactions for XXXX mortgage payment in one week. I have raised the issue but no solution. 
2. Shortfall in escrow- They have increased my mortgage by saying that there is a shortfall in escrow of over {$3600.00}, but have not given a reason how the shortfall occurred! I have followed up multiple times and they say that it started with a negative but they done tell me why the negative happened when the property tax did not increase and the interest payment did not increase! 
3. Incorrect reporting to credit bureaus- I was under a repayment plan and made all payments on time. I represented to the previous mortgage company XXXX XXXX XXXX who corrected the credit bureau reporting but Selene refuses to do it. 
The repayment agreement implied that we make a monthly payment that included a portion of the current payment and portion of the past due balance. From the monthly payment of {$3700.00}, {$2000.00} is accounted towards the current portion of the mortgage and {$1700.00} is accounted towards the past due balance ( para a pg XXXX of Stipulated Payment Agreement ). Therefore, we were current on all payments!!! They are reporting late so the borrower is tied to them for a longer time on high interest rates and bogus fees! 
4. please see other reviews about this company- XXXX
XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA pursuant to section 605B and are outright refusing to uphold the law.
The company are breaking the law by the amount of Hard inquiries there putting in my credit report, XXXX XXXX, XXXX, have placed hard inquiries on my report on, XX/XX/2018-XX/XX/2018, and XX/XX/2018, without my permission, I've sent letters to them an the credit bureaus asking them to remove them, I never signed paperwork authorizing them to do this, could u please help me in this situation!!!
This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.
I am not familiar with this company. They have called other people in my family to try to communicate with me. They have also left voice mail messages with those family members informing them that I will be served papers and to let me know. I believe that it is illegal and harming to me and my family to leave voicemails for me on other people 's phones. If the matter is for me, no one else should know my business unless I share it with them myself.
Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016
I am a parent. I made XXXX direct plus loans for my youngest daughter to attend XXXX University. I actually consolidated these loans under XXXX, but they since changed to XXXX XXXX then to Navient they are once again individual. I wanted to consolidate them again but Navient insists that I have a co-signer. Why? I already have the loans why would I need a co-signer to consolidate? 
When I started paying these back my balance was XXXX. It is now XXXX. I have not missed a payment in nearly 5 yrs to the tune of XXXX dollars. and my balance goes up XXXX? This company is stealing. How can they be allowed to do this? 
I fully understand they are in business but really almost XXXX dollars and the principal does n't go down. I 'm trying to pay for an education not a XXXX XXXX or a XXXX.
On XXXX XXXX  2018 I reported to XXXX, Equifax, and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX  and all 3 credit reporting agencies. XXXX immediately removed the account, but XXXX  and Equifax  have not.

Know XXXX is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.
XXXX-2015 {$150.00} no contact signed do no owe debt
XXXX Credit report there are Two hard inquiries One is XXXX XXXX Credit on XX/XX/XXXX TjMaxx Credit card Both from Sychrony Bank SYNCB/TJX Dual Card XXXX Fl XXXX I did dispute the XXXX  XXXX one and got confirmation # XXXX As well as called them and disputed the other one both being fraudulent! 
When I log in to check your status of dispute it says there is no indication of this number The other hard injury XXXX  Credit Report Onsite Manager Miscellaneous Reporting Angency XX/XX/XXXX and reported on XX/XX/2018 That one has no other information to call and dispute Both of these are fradulent and I did not open nor authorize them Its been over 60 days when I was told it would be taken care of or I would get a letter. Which I have from Stchrony bank but its still on my report. The first time I reported it it was XXXX they told me they would make note of that now again an Tjmax card was opened in my name without there being any warning! As told by SYCHRONY Bank Fraud department This is identity theft and I would like to dispute all three hard injuries as I had no consent in opening or allowing this to happen.
The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX, XXXX, Equifax. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, XXXX, Equifaxhas FAILED to do so. I feel as if XXXX, XXXX, Equifax is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX, XXXX, Equifax and I can resolve this issue without having to see a courtroom. I will await XXXX, XXXX, Equifax response before I disclose any of my personal information.
Chase Account # XXXX. Owed XXXX-made arrangement for 60 monthsXXXXXXXX a month.in XXXX 2011. They have charged 6 % interest. 
I have paid XXXX on principle, XXXX on fees and XXXX on interest. Total of XXXX. 
I made payment arrangement due to harassing calls and threat of court action in 2011. 
I have paid XXXX on principle and feel I only owe XXXX26 months. 
I f i pay for 60 months the total will be XXXX have access to all the statements. 
Thank you
XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX