WillisBack/dataset-financial-user-claim huggingface dataset:
This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}
In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build it.
I mailed a M ultiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  to Transunion by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017 . The request that I submitted included hard inquiries that were not factual and I received the same response fo r ALL inquiries, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA must delete the disputed information from its files. One can assume that there was no investigation into the matter due to no reponse. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. For hard inquiries that do n ot belong to me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern for credit worthiness by a consumer.
In XX/XX/XXXX, I found an unauthorized charge on my Chase credit card. I contacted the vendor to find out the reason for the charge, but I did not have a reply for over a month. Therefore, I disputed the charge on my Chase Credit Card on XX/XX/XXXX in the amount of {$33.00}. Chase issued a temporary credit for the charge. On XX/XX/XXXX, the vendor sent email saying they still had not found documentation to support the charge. I again asked Chase to resolve the matter. Chase refuses to resolve the dispute, leaving the credit as temporary. The FTC regulations are clear. " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' The rule is posted here on the FTC website. https : XXXX It has been over 145 days since I filed my dispute. I have tried calling Chase 3 times and have submitted 4 online requests that the dispute be resolved. I have spoken to both regular customer service agents and also to managers and Chase still refuses to comply with the FTC regulations. I would like you to inform Chase of the requirement to resolve the dispute within the stated time frame and send me a letter closing the dispute. 
Thank you.
My complaint is with Trans Union credit reporting agency. For years I have tried to get my report online. They deny me every time stating that they can not confirm my identity. I called the number listed and tell them that when I answer their questions to get my report I am answering the question correctly but the information they have about me must be wrong, consequently they think I am giving wrong answers. I have tried and failed to get them to change my personal information and fix the problem, but they refuse. They don't believe I am who I say I am. Whomever gave them the information to cause this problem must have given them the wrong information about me. These companies have too much power over our personal lives when they report information about us that is wrong. And yet I have no power over this unfair situation.
XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.
I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.
We noticed unauthorized charges on our USAA credit card on XX/XX/18. We notified USAA fraud department about these charges and to cancel our card. There were 4 charges at 4 different XXXX XXXX in a matter of a few hours apart in XXXX. All 4 transactions were for over XXXX each. We subsequently called XXXX XXXX ourselves, and they were able to tell us that each of the unauthorized charges were for XXXX XXXX gift cards at each location along with other misc. items XXXX totaling over XXXX ). XXXX XXXX also provided us with the times that these transactions took place. We were not in XXXX on that date or those times, and have always had possession of our card. We assumed the matter had been handled, and we would not be responsible for these charges, since there is a " no liability '' clause in the credit card agreement for unauthorized charges. 
On XX/XX/2018, we noticed the same charges for over XXXX total back on our account. We received NO notification via phone, email, or text as to why the charges were showing up on our account again. We once again, called to cancel our card thinking it was more unauthorized charges. These charges reappeared well over 2 months after we reported them. When talking to the fraud dept., to our surprise, we were told that they could not see fraud on those charges since a chip had been used, and " cards with chips have never been compromised ''. We informed them that we were never out of possession of our card, so that can't be correct. We thought we were alone, but after reading a large number of complaints online about the same thing happening to other customers, we realized there is a serious problem in the USAA banking fraud department. My XXXX had been with USAA for over 40  years and has never encountered such a thing before. We are not responsible for these charges. We need oversight on this company for our sake and the sake of other XXXX families that trusted USAA. We are doing all that we can to rectify this wrong that has been done to us. We have filed police reports, contacted local police where each of the charges occurred, and have been working with XXXX XXXX to get as much information as possible. We were never told what investigations had actually been done by USAA, only that chips can't be compromised. This is not just a few dollars, it is over XXXX dollars and our excellent credit rating is in jeopardy, because we will not pay for something we did not receive. To be totally dismissed by the fraud department is a warning to everyone to get out of this bank as soon as you can.
I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong information.
We already have a claim in progress # XXXX but in reviewing and notifying from the attorney general that the statue of limitation in Texas has expired for this type of debt.
We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you.
My Macys account is due on the first of every month. Since I have had the card I have paid on the XXXX PRIOR to the due date. And have paid over the amount due. In XXXX my XXXX XXXX auto pay did not come out of my account and rather than calling me - on the XXXX of XXXX just 5 days late they cut my credit off and shut me out of my account so I can not even see my credit profile - I have made the payment and they still are locking me out - please look into this - you will see that is what happened and they are stating in a letter it is becasue my XXXX report shows a seriuos derogorty item which it does not and I have submitted a complaint with them as well. Macys has been the worst credit experience of my LIFE and I did read the reviews but thought it would be different for me I guess? 
thank you for your help.
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.
I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....
In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. 

XXXX XXXX XXXX
Fair Collections & Outsourcing, known as FCO.

FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.

I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.

FCO has NOT shown they have the right to collect the ALLEGED debt.

FCO has NOT shown the ALLEGED debt is mine.

FCO has NOT shown the amount is accurate. 

In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).
Bank of America needs to comprehend and appreciate the complexity of legal matters which have interacted into XXXX, XXXX XXXX XXXX. THIS CFPB Complaint supplements XXXX. USDJ stipulated settlement to BofA was caused or brought about, all or in part, in 2008, when IRS estate tax proceedings were obstacled by a realtor bandwagon, who may have been staging strategies for an estate coup de tat, which was counteracted. SERIOUS HUMAN RIGHTS AND CIVIL RIGHTS VIOLATIONS BECAME INTERTWINED, AS FEDERAL, STATE AND LOCAL GOVERNMENTS, WITH BANK OF AMERICA AND ITS PRODUCTS, BECAME VICTIMS WITH US, XXXX IN NEEDLESS DAMAGES.
American Credit Acceptance did not close the account when car was repossessed and sold in  XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.
I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..
The credit card company has been notified of unauthorized charges and they have ignored my many attempts of reaching out for assistance. I have been a victim of identity theft and let them know that and they left a Credit card in my name open aft e being notified of this. There are many charges and they are now reflecting negative on my credit file. Sears has not done anything to resolve this issue
The XXXX XXXX ( California ) Recorder shows a massive owed debt on my credit report, for XX/XX/XXXX and XX/XX/XXXX. 

I did live in XXXX during some of this time, but I was not working the entire time ( 2 months one year, then XXXX the next at a XXXX company ) both times as a employee making roughly median wage there. The amount they claim i owe is substantial, over XXXX and XXXX for each year. 

I have contacted the XXXX recorder 's office, and they have NO documentation about this at all, and do not understand how i could possible owe the amount claimed. As they are unable to provide ANY paperwork backing up this claim, i 'd like it removed from my credit reports. Experian and etc do n't make this easy as it 's a government entity on my report, not some bank. 

What can I do? They ca n't or wo n't send me anything showing how i owe this debt I know I do not owe.
I began paying back my federal student loans with the USDE in XX/XX/XXXX with a Standard repayment plan. I began working for the XXXX XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I believed based on the requirements of the Public Loan Forgiveness Program that I was eligible for this program. I was always on time and had not missed a payment and would have 10 years of XXXX XXXX by XX/XX/XXXX and had been told my repayment was Standard on all of my loan documents and website. I applied to get certified for the loan forgiveness in XX/XX/XXXX but XXXX  XXXX, who took over for USDE, told me that my repayment plan was not eligible because it was a " Standard Extended '' plan and not just a Standard plan even though there was no mention of a different payment plan than just " Standard '' on all of my loan information provided by USDE and XXXX. So, without having this information I went years believing that I had everything in order to get this forgiveness to find out that I did not. Also, I was paying a high interest rate the entire time thinking it would be worth it in the end. Instead it ended up costing me a lot of extra money in interest that I could have avoided have I been given the correct information by the loan servicer. Since they denied the certification of my student loan payments I immediately refinanced the debt in XX/XX/XXXX with a private bank, XXXX, that refinanced student loan debt and reduced my interest rate by 2 %. It will be another 10 years for me to pay the student debt off. So, I will have been paying on my student loans for 23 years. The failure of USDE and XXXX to properly label my repayment plan cost me a lot of money in interest as well as the benefit of the loan forgiveness program that I believe I was entitled to based on their requirements. I am beyond angry with them and would like to take part in any class action lawsuit against them for monetary damages from their negligence in their handling of the PSLF program.
I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.
I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.
Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.
I am writing to request that the CFPB intervene on my behalf to compel AES to remove late payment trade lines from XX/XX/XXXX through XX/XX/XXXX for my AES/XXXX student loan accounts on the basis that during this time I was advised by AES that I would be covered by either economic or temporary forbearance. Dates, conversations, and actions proving that AES mislead me are set forth in my attached cover letter and related exhibits.