WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that Checksmart was opened on XX/XX/XXXX for {$1400.00} for collection on my XXXX Credit. I called Checksmart in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam
XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
First, chase closed the chase XXXX card by mistake. On XX/XX/XXXX, I found my account was closed suddenly and several days later, I received a letter from chase said the account was closed upon my own request. But I did ask anything at all. I never called chase hyatt card and neither I sent a message to close my account. So I called chase and they admit it was their mistake and they reopened the card for me without any apologize. 

When I thought everything will be fine after that, I found my account was charged by an interest fee. Then I found the fee was because my last statement was not paid in full. How come? I clearly remembered I set up the auto pay with full statement amount, I had few chase credit cards and I ALWAYS pay full amount, I never miss one payment and I pay every single statement with full balance. So I personally think chase restored the setting when they re-opened my account. I have talked with the customer representative but they said the system wont able to do that. I agreed with him before, but thinking about the mistake happened to my account before, I really feel like the system was not secure. 

Just now, I was talking with XXXX customer representative. First one named XXXX, who is very polite and willing to solve my problem. But after he transfer me to the supervisor, whos name is XXXX XXXX according to him, everything changed. He is the rudest, slowest the customer representative I have ever met, he is not responsive at all, he always make me feel like he is not with the phone and he is not trying to solve the problem at all. Please pull out my phone call at XX/XX/XXXX, XXXX center time. 

Overall, there are mistakes by chase, and chase representative is not willing to fix the mistakes and the customer service XXXX XXXX is not professional at all. Though i love chase bank a lot, the customer service really changed everything.
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
On XX/XX/XXXX I discovered my debit card had been used to with withdrawal over {$1300.00} + {$56.00} in fees at at least 3 ATM machines. I had the card in my possession while these withdrawals were being made. I gave no one my card and pin. I believe a skimmer was used to duplicate my card. These transactions were made XX/XX/XXXX. 
I reported and filed a dispute with netspend. I provided everything they asked for. I waited the 10 days to get the results of my investigation and provisional funds. They denied my request and closed the dispute saying no fraud was found. I was notified via secure inbox on the 11th day that my dispute was closed. I can't understand how they came to this decision and closed the dispute..here is why .... I have a limit on my account of {$950.00} per day. whoever stole my info was able to take out much more than {$950.00}, in addition I am alerted via text and email after EACH transaction. I was NOT alerted. This leads me to believe again that someone made a copy of my card. 
Netspend has been impossible to communicate with regarding this matter. They do not allow me to talk to a supervisor or most importantly, anyone in the dispute department. I was told I would definitely get provisional funds and then denied. The info I get from the customer service department varies and I'm often told that the previous representative gave me wrong info. 
This was my entire monthly check..gone. Netspend failed me miserably
The above debt was originally due to XXXX, XXXX. However, due to job loss and economic down turn -- I stopped payments. In 2013, I went from working a 5hr job to that of an 8hr one. However, in recent years the above agencies Midland Credit Management , Inc. a subsidiary of Encore Capital Group have resulted in FULL out harassment tactics. They are having me surveillanced/followed in my daily comings and goings, especially to and from work! 

I have been able to take some photos of some of their operatives. They are not shy about their efforts, often by walking in slow proximity, and looking back over their shoulders at me. In addition to sending " hasty '' text messages into their cell phones once they are sure of who it is they are tracking. Up and to a point, they were taking actual snapshots on their cell phones. It was n't until I spoke to a debt attorney over my cell phone, who clearly announced that they should stop it immediately. And yes my cell phones have both been hacked on top of everything else. 

I will be contacting other Federal agencies in regards to these blatant violations. Thank your for your prompt attention to this matter. And look to hearing from you soon. Sincerely.
Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.
I sent in a forbearance request by mail to XXXX XXXX, but have heard no response. I keep getting mail from them, like they have not received my request. When I tried to call during the day I would be on hold for hours, then the phone would disconnect. I did reach a representative after 45 minutes on hold one evening, only to be told that his computer was down, and he would have to place me back into the que to wait for another agent. I was on hold again about 30 minutes then the phone disconnected. They have no fax number to submit forms, and my time limit is growing close to it going into default for Perkin 's Loan.  Most of my other loans I was able to consolidate and place in forebearance, but not this one loan for {$4000.00}. XXXX
I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.
Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011
While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SOS LOANS INC '' on XXXX/XXXX/2015. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Experian will not remove persistent dispute remarks on my EXPERIAN credit report, They are holding my credit hostage, I am applyling for an home loan. I have 5 days for the bank to underwrite my loan. I can not get a home loan with persistent dispute remarks. They will not approve my loan with these remarks on my credit. I disputed these accounts over 30 days ago and received an email from Experian showing that my dispute was complete. their way of handing customer service issues is wrong. They are showing MY XXXX XXXX funding accounts starting in # XXXX and # XXXX PENDING until XX/XX/2016. That date is way past 30 days and yet, Experian claimed that my dispute was complete on XX/XX/2016.THis is a confusing and very misleading way of communication in the investigation results. I have exhausted myself XXXX with Experian trying to remove these remarks. From the initial date of my dispute to now it has caused me XXXX..My work performance has been affected as well as my home life. Experian refuses to remove these dispute remarks on XXXX of my XXXX accounts as well as my XXXX account, # XXXX and XXXX account # XXXX these all have dispute remarks. Experian is holding my credit XXXX by persistent dispute remarks on these accounts. They are holing me hostage to these remarks by not allowing me to get a home loan. I have been informed by my Mortgage, company that they can not underwrite loans that have dispute remarks. I have requested that they remove these persistent remarks and Experian refuses, XXXX and XXXX did so in 24-48 hours for me. This is so frustrating and taxing on my life and family. MY mortgage company said I may loose my down payment on a home. They are preventing my underwriter to take the next step. Once again, it is my XXXX accounts I mentioned, I need these persistent remarks removed that are past 30 day from first initial dispute. PLEASE HELP have these removed as soon as possible.MY credit and home life is being held hostage to these remarks.
I demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???
To whom it may Concern I having Issues with the Credit Reporting Agency Not Respecting My Rights. I Pulled my Credit Report saw things that were n't Correct. So i Disputed all items in a dispute letter along with Laws, Rights, and Request and they have completed the dispute without giving me the items i requested which are the method they use to verify this claims along with names and numbers of the people they have spoke to verify these claims, and also to mail me the Original Accounts with the wet ink signature. I dont understand why we are going back and forward me disputing old zombie accounts that they keep updated to make money off it XXXX XXXX Department of Eduacation XXXX XXXX XXXX accounts thats paid in full, I have attachments
US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE.
I filed a XXXX XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an XXXX of XXXX on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, XXXX and Experian over the past XXXX years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a XXXX  XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
The company sent me a letter in the mail stating that they would remove the inquiry in 30 days or so, 3 months later there has been to update. They agreed to code the inquiry as a soft inquiry yet it is still reporting as a hard inquiry.
XX/XX/XXXX, Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them XXXX, inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items. This is fraudulent and I will seek legal ground If this is not corrected. All of the other credit bureaus have my personal information correct except for them. I think something seriously needs to be done about their practices. 

I need for the following addresses that are not mine and should not be reporting. 

XXXX XXXX SC XXXX ( what is this??? this is an office building ) I looked it up. 
XXXX XXXX SC XXXX XXXX XXXX CO XXXX XXXX XXXX SC XXXX Delete these names that are not accurately reflected on my SSN card or my drivers license. This is fraud also. 
XXXX XXXX My name is XXXX or XXXX
Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.
In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.
I am listed as a potential victim as a result of the recent data breach from Equifax. https : //www.equifaxsecurity2017.comXXXX They mishandled my information and put me at risk, and I had never gave them the authorization to have my information. They retained my sensitive financial information without my explicit approval and should n't have been trusted with it. 
They also did not notify me of my compromised data in an appropriate amount of time.
Hello there I discovered that a debt collection company, XXXX XXXX XXXX, had purchased an old debt from Citibank of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to XXXX XXXX XXXX in XX/XX/XXXX because XXXX XXXX XXXX had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with Citibank and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by Citibank multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to Citibank, Citibank finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when Citibank sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all Citibank related accounts were closed since XXXX to XXXX. No new Citibank account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and Citibank to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against XXXX  and Citibank. 

A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against XXXX and Citibank. 

I will proceed with lawsuit if XXXX XXXX XXXX and Citibank fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, XXXX  and TU are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
YALE MORTGAGE does not report to any of the 3 bureau 's reports of an active, convential loan, home mortgages! 
Mine since XXXX, current through XXXX? 
Payments timely since XXXX? 
Yet I have no real estate mortgage info in report by them .... 
My current credit score may or may not be 'current ' as a result? 
XXXX MORTGAGE, XXXX, FL, should be reporting all current and past due mortgage transactions, obligations?
After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!