WillisBack/dataset-financial-user-claim huggingface dataset:
I have a joint account with my partner who filed chapter XXXX bankruptcy. I did not. I have been paying faithfully on the account since it was opened. I never missed a payment and have never had a late payment. MB Financial is reporting on my credit reports that the account is closed/charged off and my credit score dropped over 100 points. They started the negative reporting XX/XX/2018 and shut my online pay account off. I called them XX/XX/2018 and spoke with XXXX XXXX who said she will remove the account and stop reporting to the credit bureaus. I said I was fine with that. She also said to email her to have the online account turned back on. Weeks passed and nothing changed. I emailed several times with no response until I contacted MB Financials help desk to check on the status.Then the XXXX XXXX emailed as follows : I am in receipt of an email from MBs Helpdesk. 

Per my conversation with you on XX/XX/18, you had called in regarding a credit bureau dispute and to inquire on why your online access has been shut down. The email below is the only one I have received from you. Please note that the credit bureau dispute/request has been submitted, and if honored- you should see the changes in your report once that has been approved and updated. 

Unfortunately, we can not reactivate the online account until we stop reporting the bankruptcy. Once I receive the confirmation of same, I can submit a request for online access. In the interim, if you wish to make automatic payments, I have attached a copy of the ACH form that you can return with a copy of the voided check and we can have the ACH turned back on. 

Thank you, During our conversation she mentioned nothing about submitting a request ( to whom I don't know ). I have repeatedly emailed with no response, and I have called twice on XX/XX/XXXX and was sent to her voice mail ... no call back. 

This is not my issue/bankruptcy and should not be reported on my credit reports. My partner and I have several joint accounts and MB Financial is the only one reporting on " MY '' reports. This is unfair to say the least. It makes no sense to be paying on an account that is reporting closed/charge off and will be on my credit report for 10 years!!! This is creating a financial hardship from the low credit score. I worked hard to build and keep a good score. This is ridiculous.
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Bank of America charges a XXXX $ maintenence fee despite the account in questiom being above the required amount for fees to encure. The account also had a monthly deposit of XXXX $ into it, another requirement by the bank if you want to avoid the XXXX $ monthly fee. Despite all this, I still have XXXX $ taken from the  account for a " maintenence '' fee every month. 
I went to meet with a banker the first time I noticed this and was under the assumption that the issue had been resolved.
We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.
Hello, After receiving a promotional offer code for a Citibank checking account that would earn a XXXX XXXX mile bonus after meeting a few requirements, I signed up for an account using the code on XXXX/XXXX/2016. 

I then confirmed with a Citibank representative in XX/XX/XXXX that I had met the requirements and would be receiving the bonus. On XXXX/XXXX/2016 I received a message from Citibank saying that I did meet the requirement and would receive the miles in XX/XX/XXXX or XX/XX/XXXX at the latest. I have a copy of this message as proof. 

When XX/XX/XXXX came I received no miles, I sent a message to Citibank to check in. At this point Citibank said that, even though I had previously been told I would get the miles, I was not actually eligible for the bonus and so would not be receiving the miles. This seems to me to be blatant, false advertising. I would like the XXXX miles that I was promised and my {$60.00} in fees paid while I waited refunded. 

Thank you for your time and help.
Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.
A debt with XXXX XXXX from 2013 was discharged in Bankruptcy case XXXX.
A new debt collector ( Credit Management ) has reopened and re-added the account to my credit report and is trying to collect this debt.
I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online .. so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since 2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX   XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.
I said there was fraud information on account till I talk to the police they refused to put a fraud alert on my account
Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.
We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.
I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome.
I believe our mortgage company, XXXX XXXX XXXX, violated a federal law. They are selling our mortgage, which I realize they have every right to do. However, the tranfer date is XX/XX/2019, and the date I received the notice was after XX/XX/2019 ( I did not collect my mail for a couple of days, but informed delivery from USPS shows it as arriving after this date, likely on XX/XX/XXXX ). Since mail from the company generally takes only a couple of days to receive, I know the letter was not mailed until some time after the date of XX/XX/2019 shown on the letter. Either they just put a random date on the letter, or it sat in their outgoing mailroom for a lengthy period of time. Two days notice of the sale is nowhere near the fifteen required days, and I do not believe a good faith effort was made to notify us in a timely manner. A check which should have gone to the new company was mailed before we even received the notice ( I know we're covered by a 60 day grace period, but I can envision a headache over it ).
Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?
Chase closed ALL my credit cards ( tot al 2 ). Th e only rationale they have given is " compliance '' .Despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations. They have sent out letters that my accounts will be closed by  X/XX/2017
In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.
Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed the issue and was advised that until my account was up to-to-date I would continue to receive the phone calls. I explained that I was receiving several phone calls per day and that I considered it harassment but was informed that this would continue until i made a payment on my account. I advised the customer service representative that all of my accounts were up to date and they apologized after some quick research. I was further informed at that time that they would ensure that the phone calls would stop and that they had submitted a " call stop '' on my phone number. I was also informed that since I requested a " Call Stop '' that I would not receive any phones calls regarding any of our 5 accounts. However, within 30 minutes, I received yet another phone call from Bank of America concerning a " pressing business matter. '' I did speak with a third manager ( XXXX XXXX ), who as very kind, understanding and listened with intent. She informed me that she could not see where Bank of America had made any outbound calls to my number. The only thing she could see were 2 call backs. This is simply not true. ( 1 ) I receive, at minimum, 8 calls per day, ( 2 ) both times that I spoke with Customer Service Representative and Managers, I did so by staying online until I actually got to speak to a human being. Unfortunately, there is nothing that XXXX XXXX can truly due. I 'm certain I will receive yet another call within 10 minutes of hanging up with her.
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.
In XX/XX/XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, Experian and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, XXXX, lists my public record update as XX/XX/XXXX, Experian has not updated my public record, but they also have not sent me their MOV either.
Capital One removed XXXX from my bank account without authorization. I revoked their authorization and I want them to refund my money and I want them fined for doing this.
I use Western Union money orders to pay my rent. Several months ago, my landlord took me to court saying I owed him rent and I traced the money orders. When I got the copies back, I saw that they had been altered ( the name they were made out to and the signatory had both been changed ). I notified Western Union and they forwarded requests to the banks that cashed them to credit the money back to me. These were obvious forgeries. Information on the money orders was missing, probably because they had been bleached. The bank should have known looking at them they it should not cash them.

Western Union notified me that it will not order the affidavit of forgery because the money order is more than a year old. But I had no way of knowing that the money order had been stolen and cashed before the landlord sued me and gave me a rent breakdown. Even in the court papers, the landlord listed the wrong months as being owed. I do not think the time period for claiming fraud starts running until you learn about the fraud. I contacted Western Union less than a year after I found out the money orders had been stolen.
I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation
There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.
On XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider it.
DISCOVER BANK KEEPS ASKING INFORMATION ON MY TRANSACTIONS AND THEY OFFER COMMENTARY ON THEM. MY TRANSACTIONS ARE MY BUSINESS. THEY NEED TO LEARN TO MIND THEIR OWN BUSINESS.
My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.
I HAVE BEEN RECEIVEING MULTIPPLE PHONE CALLS EVERY DAY AT DIFFERENT TIMES FROM A COMPANY NAMED CONVERGENT OUTSOURSING. THEY ARE ATTEPTING TO COLLECT {$260.00} FROM A XXXX ACCOUNT I CLOSED LAST YEAR. I DO NOT OWE THIS MONEY. I CALLED XXXX AND ASKED THEM TO SEND ME A COPY OF THE INVOICE THAY ALLEGE I OWE BUT THEY NEVER SENT ME ANYTHING. ON XX/XX/XXXX CONVERGENT OUTSOURSING REPORTED THIS DEBT ACCOUNT TO XXXX CREDIT BUREAU, WHICH MADE MY CREDIT SCORE GO DOWN CONSIDERABLY.
I began disputing these items with XXXX XXXX, Experian and XXXX   beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result
the lease car  E350 2012 Mercedes Benz  was returned on time after lease was over want me to pay the balance. I want to returned the car not to refinanced or pay off.