WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from XXXX, Experian, And XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
On or around XXXX XXXX, 2016 I called American Express to report fraudulent transactions ( which i became aware of when i went online to make my payment ). The fraud investigator asked if I had my card, I replied that i did not. have a few more questions he asked me to identify all the unauthorized transactions. Therefore I informed him every transaction from XXXX XXXX ( from XXXX {$120.00} ) through XXXX XXXX ( XXXX XXXX XXXX {$26.00} ) were not authorized by me. He specifically asked about a few XXXX purchases, I informed him I did not have a XXXX membership and none of those purchases were mine or authorized by me. Incredibly, this investigator began literally interrogating me, asking at least a dozen questions. Finally, i interrupted him and informed him the questions he was asking seem ridiculous and over-reaching of my obligation. I requested an investigation and re-affirmed my dispute of these transactions totaling over {$5000.00}. 
Over two months have passed and American Express has refused to remove the disputed transactions, refused to provide any details of their investigation, have restricted my account, charged me late fees and increased interest rates. 
I thought investigations must be completed within 60 days and/or 3 billing cycles? Well, we have elapsed both. Additionally, twice by phone and once by letter, I firmly requested all communications were to be conducted by USPS or email to make sure I have accurate documentation, since I do NOT trust American Express to provide recorded information. However, American Express has continually called me 4-5 times every single day.
I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.
My niece, XXXX XXXX, is XXXX. I have been her financial guardian for four years. We have been working with her and with her XXXX to get her to the point where she is able to manage her own finances. Until such time as her XXXX signs off on the change to remove me as her financial guardian and transfer full responsibility to her, XXXX SSI and XXXX payments come to me. 

One payment is direct deposited onto a pre-paid debit card. We have had problems setting up her other payment as direct deposit. As such, I still receive a physical check for her every month. 

Every month, I take the check to my bank, Wells Fargo, and cash it. The money is then deposited into a separate account, currently at XXXX XXXX XXXX. 

On XX/XX/XXXX, I went to Wells Fargos XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to cash her check as usual. For the first time, Wells Fargo refused to cash the check, claiming I had the wrong type of account for this type of check, and that I would have to open a new account. I asked why I was not notified of the change in policy, I was told there was no change in policy, that this had always been Wells Fargos policy. When I said Wells Fargo had been cashing these checks for four years, the branch manager told me Wells Fargo had been violating the law for four years, that this specific type of account was required by law. I repeatedly asked for a written copy of this policy, Wells Fargo repeatedly refused, although they did show me something on a computer screen which they claimed was the policy. 

I asked if this type of account carried fees. Initially, the branch manager balked at answering my question, but eventually, reluctantly, admitted this type of account came with fees, but assured me the fees would be waived if we kept a {$1500.00} minimum balance in the account. 

{$1500.00} is nearly two months of XXXX/SSI payments ; it would be impossible to save that much money. Even if we did manage to save that amount, as the branch manager would have been well aware, the first time a deposit was made bringing the balance to {$2000.00}, under federal and California law, my niece would lose her XXXX/SSI payments. 

Wells Fargo is again ( still? ) trying to force customers into opening accounts they dont want. This particularly example indicates Wells Fargos attempt to take money from the XXXX under false pretenses.
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).
I upgraded my son 's XXXX in XXXX 2016 at the XXXX and set up the Personal Loan through Citizens One. My credit card expired after the first installment and when I tried to register for an online account to manage the account and set up a new card, the screen would go blank after completing all of the information. After XXXX attempts, I contacted customer service who recommended that I use XXXX XXXX or XXXX instead of XXXX ( this is an XXXX loan through XXXX ) Then I attempted to pay through the automated phone system and was told that they did not accept Debit cards. I called a 2nd time and was told to clear my browser history. Doing that would have cleared out the XXXX other windows I was intentionally keeping open because I was actively using them. A third phone call to request the information to set up automatic online bill pay through my bank was as unsuccessful as they " do n't do that '' nor do they take paper payments. They offered to take my bank account and routing numbers for them to keep on file. I declined as I had already spent 90 minutes on this problem and did not have my checkbook with me. I expressed my complete dissatisfaction with their Customer Service and explained that this had taken up an hour of my day. Never has it been more difficult to pay a bill than it is with this bank.
I have filed a recent complaint on incorrect cra data reporting on my credit file. I still get a outright refusal from experian to cooperate. My next course of Acton is legal action for FCRA violations. I will give experian one more chance to rectify this situation before legal action is taken.
We are requesting that the Consumer Finance Protection Bureau assist us in resolving a dispute with Ocwen Loan Servicing. Ocwen has unilaterally altered the terms of the mortgage note we executed in XXXX XXXX. Our efforts to resolve the matter amicably with Owen have been unsuccessful and we are therefore seeking your intervention. We have attached a letter detailing our issues along with.a copy of our mortgage note dated XXXX XXXX, XXXX, as well as the following : XXXX XXXX a copy of a letter we received from Ocwen Loan Servicing, dated XXXX XXXX, XXXX, after we requested Ocwen to correct an error concerning how our loan is to be repaid. Ocwen had recently taken over servicing of this note. 
XXXX XXXX a recent Ocwen notice dated XXXX XXXX, XXXX, a year later, which again does not accurately reflect the terms of the note.
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.
The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!
XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).
Often by mail and phone when searching for work. {$1200.00}. Said i could not pay anything at this time due to financial reasons. I will when i can. To be settled with time. Wanted to know what else could be on my credit unsettled : mortgage, credit cards, medical and XXXX XXXX. 

Consolidate. 

Thank you.
In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.
I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.
I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.
Received notification that my homeowners insurance is be canceled due to non payment on XX/XX/2018. Our escrow account with wellsfargo has over {$5400.00} in it and the payment was for less than {$3000.00}. Lender alleges that they contacted insurance company to make payment on XX/XX/XXXX & XX/XX/XXXX which is too late in my opinion. Wellsfargo failed to contact us until XX/XX/XXXX about the issue. No we have no homeowners insurance reside in Florida and insurance is unlikely to write policies due to 2 hurricanes in the XXXX. Now I have a XXXX home near the water uninsured.
I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.
On XX/XX/XXXX I realized after logging into my Chase online banking that one of the balances in my accounts was lower than it should have been then opening that account I realized a wire in the amount of {$160000.00} was sent to an account within XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX located in XXXX Arizona. This is a company I do not know nor did I send the wire. I immediately went to Chase and changed all of my bank accounts and cancelled any online access to ensure nothing else could be taken from the account. I then find out within 48 hours that my cell phone has been hacked and the date it was hacked was XX/XX/XXXX the same day the monies were wired out from my bank account. It just so happens this was the same day that I had downloaded a mobile application from XXXX which I signed up for to protect me against Identity-Theft strangely their headquarters is located in Arizona the same place my monies were stolen from me and sent too to a corporation XXXX XXXX XXXX XXXX is also located and was formed a month prior to this all happening to me. I dont believe this was all a coincidence. Somehow me signing up with XXXX started a chain of events which ended in someone stealing my identity and wiring money out of my bank account. These monies have not been replaced and I after filing police reports, reporting with the FTC and DA And Chase Fraud department I still feel like no one is really helping or giving me any answers. No one can tell me anything except sorry we have done all we can do.. Tis is not an acceptable answer when monies that have taken me years to save up are now gone from my bank account.
I transferred funds from my XXXX Bank account to my CIT Bank account. The receipt shows that the funds were to have been transferred on XX/XX/XXXX : Confirmation : XXXX Transfer from : XXXX, XXXX Transfer to : MONEY MARKET ACCOUNT, XXXX Transfer on : XX/XX/XXXX On XXXX the funds were not in my CIT account so I sent a message through the web site asking why. They didn't answer, so on XX/XX/XXXX I sent them another message, asking them to respond to my message of XX/XX/XXXX. Then I logged into my XXXX account and saw that the funds had been removed, so I sent another message asking what happened. Then I called CIT Bank and spent an hour on hold ( yes really ) before they answered the phone and told me that the funds had been transferred. On XX/XX/XXXX they responded via the message center on their web site that the transfer had been completed on XX/XX/XXXX. On XX/XX/XXXX I saw the funds in my account but they were not available. I sent another message asking them, why it took 3 days for the transfer to be performed ( on XX/XX/XXXX rather than on XX/XX/XXXX per my receipt ), and why aren't the funds available now? They haven't responded. Today XX/XX/XXXX the funds are still not available.
Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.
I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide
Transunion denied me access to my free annual credit report by asking me to pay to include my credit score. First of all, I do not want to give them my credit card information regardless of how cheap it is. Second of all, FREE is free. All I want is my free annual report. XXXX and XXXX did n't give me any problems with receiving my free annual credit report. Transunion is the reason I requested my free annual credit report in the first place. They lowered my credit score almost XXXX points after they purchased XXXX XXXX where I was monitoring my credit score every month. I just paid off XXXX bills and pay all my bills on time. My credit situation has been the same for XXXX
Hello my name is XXXX XXXX, On XX/XX/2018 all the funds in my Coinbase account was transferred to an address without my consent the total was XXXX.ethereum with a value of XXXX XXXX dollars usd at the time of transfer and XXXX.litecoin with a value of XXXX XXXX XXXX XXXX dollars usd I contact Coinbase, and with no help my email address XXXX, please contact me