WillisBack/dataset-financial-user-claim huggingface dataset:
The accounts listed below are not mine. 
XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX These items need to be deleted from my credit report. 



In addition please remove the following addresses and employment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX These addresses are not mine, I have never lived here. 
Employees :
Dear CFPB ...     I am addressing to you my problem because i am sure you are treating the clients in most fair and competent way : well here is my concern ... And i want to say right upfront the reason why i address the problem just now in  XXXX  because citibank kept promising me for numerous time to fix the issu e ( mo nth by month ) but all their words were worthless.   I had a promotional offer to open gold checking account by  XXXX   XXXX   XXXX  with the promotional code which i included upon the process of opening account for receiving  XXXX  THANK YOU POINTS. And i followed all the requirements while i was opening account and within the next couple months as it was stated at the offer summary. But after waiting for several months i realized that i was missing my bonus. And i started calling citibank and told them i did not get the incentive. Well ... each time they said a different story :  1. 'it takes a little more time to reward you '', 2. " we are going to do a dispute '', 3. '' we  can not find the code which you entered. " ... and other other fake stories. I even have the chat with pictures where the agent confirms that i followed all the rules within the exact timeframe.   Then i started reading some feedback online from all other clients of CITIBANK with the similar issues and there were so many complaints about the same problem .... And that is why i made up my mind to look for the truth at another place by contacting you. And i feel so frustrated for all the time when i waited for the resolution and had to pay a monthly service fee of  XXXX  $ because i thought i needed to keep account opened so someone could resolve this situation prior to account being closed. So obviously I wasted a lot of money.   And today i am really begging you to help me in resolving this issue and provide me the incentive which i was qualified for so i can cover at least those expenses lost for the need of keeping account.   THANKS in advance for your help and please let me know if you need any other details.
I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members
This is on my credit and I did not make this debt. My Id and other info was stolen about the time this debt was made. I do n't drive and no one would have took me this far away to a hospital.
Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem them.
On XX/XX/18, I inquired about an additional {$700.00} balance on my loan and was told it was from accruing interest from deferring 3 payments over the life of the loan. I understood the deferments would extend the loan by 3 months, but now there is additional interest ; 2 additional loan payments worth. This was never explained nor agreed to by myself. The representative would not clearly answer my question regarding the amount. I spoke to a financial adviser who listened in to the phone call and informed me, by Wells Fargo 's daily interest amount, the additional interest should only be {$76.00}. The representative continually avoided my question and request for clarification. I feel this is unjust practices and that they are trying to gain addition financial income from my payments.
Wells Fargo has a ***derogatory remark on my Credit Report***. I went through a bankruptcy that was discharged in 2014. MY HOUSE was NOT included in the bankruptcy! I have not missed a mortgage payment in 11 + years since I bought the house. This is stopping me from applying for a re-finance or another house purchase since I am looking to downsize. That remark needs to come off from Wells Fargo!!! Help me please ... .Thank you, XXXX XXXX XXXX ************None of those options below apply to me, not sure what to check off*****
I received a letter from my current mortgage company about the transfer of my loan to loancare with the new account number and the effective date of XX/XX/XXXX. I have n't heard or received a letter from the new mortgage company.
Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX,
XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
<P/>
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
TransUnion continues to report obviously incorrect information for the XXXX account on my credit report. It shows a 90 day late payment for XX/XX/XXXX. It is not possible to be 90 days late in a 30 day period. Moreover, if payment was 90 days overdue for the 30 day period of XX/XX/XXXX ( which defies basic logic ) why does the report show on time payments for the following adjacent months : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX ; and XX/XX/XXXX? Transunion has an obligation not only to verify information reported from a creditor, it is also obliged to report information accurately, which it has clearly failed to do.
The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.
It still showing open and it supposed to be closed /showing in collection./ Ally financial, the vehicle was burned up, my ex wife had it done XXXX..so she is liable for this
On XX/XX/XXXX, I took out a personal loan in the amount of {$10000.00} with Lending Club to lower my interest rates and combine some credit cards into one monthly payment. I was approved for the loan amount of {$10000.00}, but they needed to keep {$600.00} for a loan origination fee and I agreed. But I asked if paid off the loan early would I get that {$600.00} back. I was told yes, but the amount would be pro-rated. A few days later, {$9400.00} appeared in my checking account. At the same time I applied for a personal loan from bank just to see what would happen. And low and behold I was approved for a {$10000.00} loan from my credit union and a much lower interest rate. I made arrangements with Lending Club to pay off my loan ASAP. On XX/XX/XXXX, my account was paid in full and I even paid some interest bringing my grand total paid to Lending Club {$10000.00}. I called the office and I was instructed that I would get my Loan Origination Fee refunded to me less the undisclosed pro-rated amount. The person I spoke with could not tell me how much I would get back but said it should be back in my account in a few days. Well much to my surprise, a week later, {$97.00} appeared on my checking account, apparently that was my refund from the Loan Origination fee. When I called and asked how this number was established the person on the phone said, " I will have to have someone call you back '' I never got a call so I emailed customer service and received the following response : " XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for contacting us. The methods we use to calculate refunds are proprietary information. Please let us know if you have any additional questions. You can reach us at XXXX or by calling us at XXXX Monday through Friday from XXXX XXXX. to XXXX XXXX., or Saturday from XXXX XXXX. to XXXX XXXX. Pacific Time.
Best regards, LendingClub Member Support '' Should n't they disclose how they are taking advantage of customer who chose to pay off a loan early? My loan was less than 30 days old and I lost {$560.00} to these crooks due to Proprietary Lending Techniques?
On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.
Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.
I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month!

Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of  {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed. 

I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns. 

I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult. 

I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt. 

Thank you for your time and assistance on this. 

Regards, XXXX XXXX
My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.
On XX/XX/XXXX I ordered eye and skin cream samples from an online company called XXXX XXXX for {$5.00} and {$4.00}, respectively. I did not see anywhere a commitment to return the produce within 2 18 days, as they claim, or be charged for the samples as well as full price for their product, which the company is claiming. When my credit card came in and I discovered additional charges of {$98.00} by XXXX XXXX and {$89.00} by XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. I contacted my credit card company and disputed the charges. They closed that account and sent me a new card. The next month, I had charges on the new card from the same companies - {$98.00} charged by XXXX XXXX and {$89.00} charged by XXXX XXXX.I definitely did not authorize those charges and disputed them as well. I returned the product by mail to the company address on the package but have not received any kind of refund or acknowledgement from the company. 

In the documents sent to me by CitiCards, XXXX claims to have sent me a refund ( see attachment ) but none has been received. I can not understand the XXXX response. 

I understand that I made a mistake in not reading ALL the fine print but I believe CitiCards is in error by allowing the second set of unauthorized charges to go through onto my replacement card, especially after I had contacted them. I believe it makes CitiCards complicit in the deception propagated by the skin care companies.
I started a Dispute in XX/XX/2018 about how XXXX was reporting payment and balance info. The reporting was corrected. The Dispute was to be removed from my report by XX/XX/2018. It is still listed as an open Dispute and blocks me from any other Disputes. Only one Dispute at a time. The company at fault is Credit Karma. They refuse to acknowledge there is anything wrong.
I bank at fifth third bank. I pay my bills online. Today my available balance is {$2400.00}. My bank summary says i have {$240.00} in pending transactions. But I know better. I must go further into my account under the pay bills tab to see that {$2000.00} in bills were paid online today, and are listed as paid. This money is not included in available balance, posted transactions or pending transactions and makes my balance seem higher. When I tried to contact them through email I got an error message so I thought I 'd let you guys know. It seems like they are misleading people about their balance by leaving out PAID monies from available and pending balances. I do n't doubt that they have covered themselves legally but the numbers are very misleading.
CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.
In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.
I keep trying to get XXXX XXXX removed. The new law says that if any data is not reported in 6 months it has to be removed. It is still there. Also. It was not my account. I paid it because it was messing up my credit. They cant say I paid it therefore it is mine. Thats what I got from them. Also XXXX XXXX   told me they would have it removed. And have not. I sent the letter to experian and they did not either. They are suppose to report accounts information
On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!
My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation
my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???