WillisBack/dataset-financial-user-claim huggingface dataset:
I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.
There was a wrongful public records on my account from fraud. I just disputed this item with Equifax a couple of months ago through the CFPB. Equifax responded that the item was deleted and updated. The item is still showing up on my credit report so they lied.
XXXX - Sent company a letter about them reporting negative debt on my credit reports, and told them that the debt did not believe to me. Sent them a copy of my Driver License with my signature. XXXX - Company responded with paperwork of a signature that was not mines. XXXX - sent company a second letter with a copy again of my drivers license and they told me i needed to file a complaint with the police department before they could remove the debt off my credit report. They did not provide me a copy of my driver license all they provided was a signed contract in which does not have my signature on it.
On XX/XX/2018, I contacted XXXX about being charged an additional {$50.00} after I had paid off my credit card balance. At first, the company insisted the charge was valid, but I pointed out that it was against the law for credit cards to charge more interest once the entire balance has been paid off. The represented checked with a manager, and agreed to refund the amount. 

Also on XX/XX/2018, I contacted Chase about being charged an additional {$10.00} after I had paid off my credit card balance. The representative spent several minutes insisting that the charge was valid, and there was nothing he could do. I told him such charges have been illegal since the financial reform, that I refused to pay it, and that I would report Chase to the CFPB. Eventually, he decided to check with a manager, and then agreed to refund the amount. 

While both credit cards agreed to refund the additional interest, I don't want to go through this every time I pay off a credit card bill. Not to mention that there are millions of people who are unaware they shouldn't be paying those additional interest charges. Credit companies are defrauding consumers of billions of dollars annually, and they should be held accountable. These companies should be forced to refund those charges, and permanently stop this practice. That is why I decided to report the issue to the CFPB.
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that Experian, XXXX, and XXXXn investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Starting back in XX/XX/XXXX I had been trying to do the biweekly payments but they wanted a month ahead and we could not do that. I started making partial payments. The first email I sent was XX/XX/XXXXwith out hardship letter. XX/XX/XXXX I emailed in my sons bank account statement.XX/XX/XXXX emailed income that had not been received since a specific date. XX/XX/XXXX emailed my child support paperwork with proof of income. Received letter requesting specific paperwork. again on XX/XX/XXXX thru XX/XX/XXXX emailed paperwork requested. After a while they asked for paperwork again. Finally stating that some of it was not filled out right. This time I filled out that paperwork again and mailed it and It was signed for by XXXX XXXX on XX/XX/XXXX. Paperwork was due by XX/XX/XXXX. On XX/XX/XXXX, I receive a phone call at XXXX XXXX from XXXX ID # XXXX stating that they needed the XXXX corrected in the address and phone number. Only page two of our XX/XX/XXXX taxes with our signatures on it and our hardship letter. I was told I needed to add on LIne 5 of the XXXX the word Corporation after Freedom Mortgage. and Their phone number. I was told they needed page two of our taxes signed and dated. I faxed those pages in on XX/XX/XXXX at XXXX XXXX. Then another letter comes dated XX/XX/XXXX wanting 1. federal tax return all pages ( already sent three times except page 2 needed signed and  dated ). Year to date profit and loss statement signed and dated. 3. 3 months of recent business bank account ( I don't have any business accounts, and was told to write a letter stating that ) 4. complete financial worksheet. I sent in the two pages I have that state " Financial Report ''. I faxed these items in XX/XX/XXXX at XXXX XXXX, one page and XXXX 3 pages. I called on XX/XX/XXXX and spoke to XXXX # XXXX and was told they did get the papers and were working on reviewing the packet. XX/XX/XXXX received another letter requesting paperwork again. 1. Recent tax return. 3 months business statements. YTD profit and loss statement and Financial worksheet. I called today and spoke to XXXX # XXXX. I was told that they had none showing up. No tax return ( has been sent now three times and emailed ). Profit and loss statement which was faxed. Business statements to which XXXX stated to write a letter explaining that I don't have a business account. and again complete financial worksheet, not explaining that this last one has 6 pages to it and the whole packet has different titles on each page. Only one states " Financial Report '' and has a second page. The other say Financial Report, Hardship Affidavit, Monthly Expenses. 
This back land forth and run around has been going on now since last year. 
Now they have started the foreclosure. We went to a HEMAP Counselor Thursday.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Today XX/XX/2019 my sister contacted me saying that XXXX XXXX XXXX contacted her for me. I called them immediately after they called the first time. About 3 weeks ago. They know my phone number and address as they sent me statements and called me. I have answered calls with them and told them I was told I didnt have to pay interest on the account and now they are saying I do. I told them to contact me when someone can take the interest off as I was told beforehand I would not pay interest.
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3.XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXXXXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified 7. XXXX XXXX
To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.
I have had a Citi Preferred credit card ( ending in XXXX ) for some time and had always had the same account number which I had been paying on a monthly basis. On XX/XX/2019, I attempted to call and make a payment on my account. I was unable to access my account using the automated system, so it directed me to a representative. I spoke with a woman who told me that the account I had was now archived and she was unable to view any information on the account. I asked her how it could be archived when it was an active account, with a balance, which I had been paying on. She said she did not know because she was unable to view information on that account since it was archived. She said she had another account in my name and asked me to verify that account number. I told her I did not know the account number because I only had the one Citi Preferred card which is now showing archived. Since I was unable to verify that account number, the woman said she could note the card as lost or stolen, then issue a new account with another card number. I said okay. I was unable to make a payment on the card at the account since it was now transferred to a new account number and I would have to wait until it was processed. I never received a new card for this new account. 
On XX/XX/2019, I received an email regarding a Citi account ending in XXXX ( assuming this is the new account that was opened XX/XX/19 ), stating the account was past due. I called Citibank and provided them my information. I was able to make a payment at this time based on having the last 4 digits of the account number provided in the email payment reminder and my other personal information. 
Today, XX/XX/2019, I contacted Citibank expecting to make another payment using the automated system, but when I entered my SSN and last 4 digits of the account, it stated the account was closed. I pressed zero to speak with a representative who confirmed the account had been closed. I asked to speak with a supervisor because I wanted to know why I keep having issues with my Citibank account. I spoke with Account Supervisor, XXXX, who advised the account was, in fact, closed. I asked her why. She stated that the notes show that I had requested the closure of the account on XX/XX/2019. I asked her why I would close my account the very day I called complaining about a past account being cancelled and a new account then being opened. She said she did not know. She said there was no note that I had requested a new card but a note that I requested the account closure. I told her I made no such request and I want to know why this happened and why it happened in the past with my original account that I had for many years. I told XXXX that closing accounts affects my credit and this closure that I did not request could affect my credit. She said she did not know and that I could open a new account but that it would also affect my credit. I told her I was angered and wanted to file a complaint. XXXX said she had initiated an investigation, would listen to the recorded conversations, then call me back in 5-7 days once she has more information. I provided my contact information and the call ended.
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are XXXX XXXX ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and PayPal ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
hello my name is XXXX XXXX, my complaint is that I got a loan for {$2600.00} with cash call, is been a year of paying {$290.00} and is always the same amount, I am so desperate.
I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.
I received a {$200.00} American Express giftcard for XX/XX/XXXX. I used it once and charged {$90.00}. I went to try to use it again and it now has a zero balance. When I looked at the statement online, it says it was used for the balance {$100.00} by XXXX. American Express gave me no answers. I called XXXX and they are the company that makes the machines where the cards are swiped. I have no recourse basically because there seems to be no way to trace where this card was even used!
On XX/XX/2018, I had to cancel my hotel reservations at XXXX XXXX by XXXX XXXX XXXX XXXX in the amount of {$700.00} booked on XX/XX/2018. My cancellation was because my flight going into XXXX, Hawaii was cancelled from XXXX XXXX, and there would be no way that I could make this hotel reservation. The flight was cancelled due to Hurricane Lane approaching the island with an increasing chance of hitting the islands of Hawaii. Due to this reason, we had to cancel our vacation to Hawaii. 

I reached out to Citibank immediately to use the travel insurance protection program that I am enrolled into automatically on my credit card. This route was rejected because there was only a travel advisory warning for the island, even though a state of emergency was declared. The documentation and form process advised me to send further documentation for review, so I had sent all relatable news articles about the hurricane hitting Hawaii, and the lack of food and water on the island, how there were power outages on the island, and the roads are not of driving condition. The travel insurance was then rejected, and I proceeded to call Citibank back to find out why. The Citibank representative told me that the travel insurance does not cover hurricanes or natural disasters, and if it did, flights would have to be cancelled for 24 hours for the trip to be covered. After discussing with the employee on what other actions I can take, he then advised me to dispute the charge. 

I disputed the charge only stating that the service was not complete or used and even sent documentation information that was requested of the cancellation receipt. Shortly after, I received a letter in the mail that the dispute was rejected. However, there was no reason as to why it was rejected. 

I contacted XXXX XXXX themselves and they said because I booked via a third party ( through XXXX ) they are unable to do anything about the refund. They advised me to contact XXXX directly and see if there's anything they can do. 

I contacted XXXX, whom I booked the reservation off of and because they do not partner with XXXX and XXXX XXXX anymore, they are unable to resolve the issue internally. The gentleman whom I spoke with looked at everything and tried to resolve the issue internally but was unable to help me. He advised me to also dispute the charge and contact Citibank directly.