WillisBack/dataset-financial-user-claim huggingface dataset:
A charge to my debit card for a XXXX in XXXX XXXX was made on XXXX/XXXX/16 ( I live in XXXX and have never been to XXXX ) for {$980.00} and {$41.00}. I immediately called Chase Bank to report the fraud, and they temporarily credited the money back to me. On XXXX XXXX, they reversed the temporary credit because " my card has a chip and the chip ca n't be duplicated ''. I spoke to a supervisor, opened up the investigation again, and received another temporary credit. Now Chase Bank decided to permanently give me back the {$41.00}, but is reversing the temporary credit of {$980.00}. I will call again and try to speak to someone regarding this, but right now " the system is updating ''. I 'm frustrated beyond belief, and I plan on closing my accounts with Chase Bank after I receive the money that was stolen from me.
I got a call XX/XX/XXXX saying how I am approved for loan forgiveness and if I'm interested press 2 or  something like that. I was very hesitant to trust them because you hear of scams happening all the time so they sent me a whole bunch of emails proving to me that they were real. The deal was I was supposed to start paying them {$190.00} a month for 6months then my loan payments would go to {$10.00} a month for 10 years, I believe. They were going to handle everything from XXXX company and my Federal student Aid. I had to give them passwords so that they could have the information to contact them. If I was going to get anything from XXXX I was supposed to forward it all to this company. I got a text message yesterday XX/XX/18 saying oops-you missed your due date. make a payment today at XXXX msg & datRatesMayApply. text STOP to stop texts. I would have paid that no problem if I knew I had to pay them. I called XXXX XXXX at XXXX to talk to them about my concerns that I may have been scammed. I was checking my account for XXXX to make sure that I didn't owe them anything and that this premier student loan center really did take care of it. It showed on my account that I didn't owe XXXX   anything during these months. to me that made me feel reassured that everything was ok. When I talked to the lady this morning, XX/XX/18.18, she said they were contacted saying that I was having trouble paying my monthly payments that I needed a forbearance. I never called and told them that. that is why it looked like I didn't owe them anything during the months I was paying this other company, premier student loan center. The lady went over all my information and there was a lot of things wrong on my account including, extra phone numbers that were not mine, address that wasn't ' mine, and email address that wasn't mine. We updated all of that. I called my bank and made sure that I don't want any payments going to this XXXX XXXX XXXX account XXXX XXXX XXXX. The lady I spoke to also gave me direction to contact CFPD. I have changed all of my passwords and stopped payments already but I don't know if they are going to come at me with anything. they took audimatic payments from my debit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 all {$190.00} so a total of {$790.00} is what has been paid to them.
None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX , experian, and  XXXX  are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.
i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND XXXX.
I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.
I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
I have multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.
My husband passed away and we had a mortgage with Nationstar. I know that I am on the security instrument and the deed of trust but will not let me have a right to speak on the property. However Nationstar offered a loan modification in which I have been performing on month after month ( over 4 months ). No funds have been sent back from Nationstar and I have sent documents to assume the loan. I even asked Nationstar in writing can I assume the mortgage and still not response. However, even after they call daily, have emailed my point of contact XXXX XXXX I can not get a response.
I have written to both Transunion, XXXX, and XXXX  XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. Fed Loans is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.
CBNA/The Home Depot  is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.
After receiving a promotional offer in mail, I opened a Citi priority account package in early XX/XX/XXXX at a local Citi Branch ( XXXX XXXX XXXX, XXXX, MD ). The offer stated I should be receiving XXXX XXXX   miles after spending XXXX dollars and 1 qualifying bill payments for 2 consecutive calendar months. ( see attached ) I completed both activities by the middle of XX/XX/XXXX, and in the beginning of XX/XX/XXXX I first inquired about the status of the sign up bonus in an online chat session. The online agent claimed they could not find any bonus attached to my account, even after I provided the bonus code. I then emailed the banker who I opened the account with, and later received a call from him and was instructed to call the number at the back of the card to verify the details. On XX/XX/XXXX, I spent around 30 minutes calling Citi number XXXX, and after putting on hold for a couple of times, the agent informed me they could not find the exact offer I signed up for, and insisted the offer would have to have me transferring XXXX dollars within 30 days. Even after telling her there was no such language in the terms I have, the agent would not honor the offer that I have and stated she would transfer me to someone else. But instead of getting to a person to address the issue, my call was simply disconnected, and I have not heard back from Citi since.
On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.
Rev MD Partners is continuing to send me a bill for {$1700.00}, that I have paid. Rev MD sold this bill to XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX United States. I have already reported this to the CFPB case number XXXX. I have told Rev MD Partners that this has been paid and they continue to send me a bill and call me. The contact info for Rev MD Partners XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX
Mr.Cooper I have contacted you numerous times to get a valid account number for extra payments, payoff and received nothing but useless information. 
Customer service is dismal, managers don't keep their promise to call back, valid e-mail addresses are not provided and you are wasting an unbelievable amount of my time by putting me on hold and passing me thru your system with no outcome. 

Who do you think you are? 

I attempted to make a transfer to the account your Customer service gave me verbally and in writing ( 3 times ) : > Bank Account # XXXX > Routing # XXXX > Bank Name : XXXX XXXX XXXX XXXX 
> Bank Address : XXXX XXXX XXXX, > XXXX XXXX, CA XXXX The payment bounces back because the account is not recognized. 
XXXX XXXX
I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.
I initiated two withdrawals to my bank via wire through Coinbase because I wanted it " instantly '' and paid the fee to do this. One was for {$410.00} one was for {$250.00}. Estimated payout was XXXX and this transaction was initiated on XXXX. The sell history on Coinbase says " completed '' but I never received the funds to my XXXX XXXX account. I contacted support several times and filled not one but two tickets. I also contacted a Coinbase representative on XXXX and he said to be patient but again no progress whatsoever. This is wrong and illegal to be holding someone 's money like this. I still do not have my money or any answers.
I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.
The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done
I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.
I have written to XXXX, Equifax, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX -- -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and Equifax ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.
This is in reference to 2 payments made online with Navient. I made a payment of {$160.00} on XX/XX/XXXX and {$27.00} previously. I received email confirmation saying payment was received. A few weeks later I am getting notices saying my payment is late, its going to collections etc. I logged on to find that Navient had reversed my payments. No explanation why. Upon research I discovered that many people are experiencing this. 

This morning I called Navient. Of course theres longer than usual wait times as well as having to make an appointment to speak with someone later in the week. 

In the past Navient has charged a fee to make a payment over the phone. 
Also, its unjust that my credit is being affected due to their mishandling of funds.
I had a contract with XXXX. I left XXXX and owed them a balance of {$650.00}. They turned it over to XXXX for collections. I agreed to settle this debt for {$500.00} due on XXXX XXXX 2016 which I paid in full and even have a letter stating that. Now I am receiving calls and letter because XXXX turned in the remaining {$150.00} into another collection agency. XXXX also called me and harassed me and said I owed money. Like I said I have a letter stating the account was settled. I do n't appreciate the harassing calls and letters.
Despite three written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Please help
Bank Of America took out XXXX after someone i do not know had remote access to my computer and run that amount on a gambling site called XXXX, I filed a claim with BOA and they refunded me and then after the claim period ended they withdrawed the XXXX i have tried to stop this by XXXX and have contacted them by e-mail and phone at XXXX and can not get through thinking this is a scam and they have also taken money from my account and will not supply me with the OPTIMAL PAYMENT SERVICE Website. I want my XXXX put back in my checking account ASAP as i am XXXX and have been a victim of ID THEFT since XXXX XXXX. I can not get help from anybody. The FDIC told me to contact you about this. I also have more complaints but let 's try to take care of this one first. Thank You Very Much. XXXX XXXX XXXX XXXX