WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, my

Amex Bluebird card was stolen, along with a wallet, from my sister 's locked car. This was reported the day it happened, and they said I'd be protected, that i didn't need to worry. I trusted in the American Express name ... big mistake Today, my fraud claim was denied for the second time.

Several online purchases were made after I informed the company. My card was STOLEN. how is that not covered under fraud? I just want my refund. They refuse to do anything whatsoever, if i weren't dirt poor then I guess they might care. They took a month to reissue me a replacement card ; two weeks later i finally got paperwork which i returned on the same day. On the last hour of tje tenth business day they denied my disputes on both occasions Something needs to be done.
On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.
XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX. 

I do NOT owe any outstanding debt to ANY cash advance institutions or bank. 

Caller claims to be work for XXXX  XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day. 

XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.
Hello, I am a XXXX  XXXX through the XXXX XXXX XXXX. My client, XXXX XXXX, attempted to rehabilitate his loans with National Recoveries Inc. on XX/XX/19. We were on hold for 50 minutes and were then disconnected from the line. We called on XX/XX/19 and have been on hold now for 30 minutes. I expect we will be disconnected again. It is now the end of the month and will be missing out on the XX/XX/XXXX payment if we are not able to connect with them. My client in good faith saved a small lump sum to make 9 monthly payments. We attempted to file a complaint with the National Recoveries and we received an error on the web page. 

We called the XXXX XXXX XXXX to discuss what can be done, but they were experiencing a high call volume and we could not connect with them. 

He is trying to correct his defaulted loans, and it has been a frustrating situation to deal with.
I never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month
After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. 

Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. 

Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. 

Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.
Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.
I contacted American Express Serve due to possible fraud on my account. Was on the phone for over 3 hours and unsure if a fraud claim was filed. Was not explained if the claim as placed and my account locked for now. was not explained about obtaining a new credit card nor the expectation on the claim. I spoke with 7 different reps, supervisors and managers all were rude and did not explain anything to me. I was disconnected from both of the managers and no return call back from either. Transactions are still occurring on my account that I did not give authorization to make. 

XX/XX/2019 - XXXX XXXX XXXX {$120.00} XX/XX/2019 - XXXX {$500.00} XX/XX/2019 - XXXX {$520.00} XX/XX/2019 - XXXX {$260.00} XX/XX/2019 - XXXX XXXX {$6.00} as of the time of filing this complaint.
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! 
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
On XX/XX/2018, there was a hard inquiry made on my Equifax Credit Report from an unknown company, XXXX/XXXX. This company had no authorization to access my credit report and by doing so negatively effected my credit score. I contacted Equifax and spoke to customer service rep XXXX. XXXX informed me that I could not dispute the fraudulent hard inquiry because it was a " factual record. '' I was also informed by XXXX that I must contact the company, but Equifax could not give me a contact number. XXXX/XXXX fraudulantly accessed my credit report and I am unable to contact them by phone, the reason for this complaint.
Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.
I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.
LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.
I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To whom it may concern, I want to file a complaint against, PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} PORTFOLIO RECOV ASSOC not only claims I owe {$3700.00} but have also filed a lawsuit against me which I had no knowledge of, they have a default judgement against me saying I owe {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX ) plus attorney fees and which is now about {$3900.00}. My wages are being garnished, they have taken over {$800.00} in garnishments for an account I was sued for without being served with any paperwork. I dont have any money to cover my rent. I have XXXX kids ages XXXX, XXXX, XXXX and my fianc who not only live with me but also depend on me for support. I am the only one that works and provides. Im asking for help or assistance with these accounts. I work for a school district and only work 10 months, my last day of regular work was XX/XX/XXXX. I found out about these accounts on my credit through, credit karma. I initial disputed them on XX/XX/XXXX, and XX/XX/XXXX. Following my debt validation letters, I receive legal paperwork. Not once have they notified me of being sued or that there has been an order against me. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which wereXX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( being sued for ) ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.
With the Equifax hack, I wanted to validate whether or not my identity was included, however Equifax 's own tool to let you know if you were potentially impacted by the hack has been reported to be untrustworthy. So although it reported that I was included in the hack, I have no way to tell if that is true, and it tried to encourage me to pay for its XXXX XXXX process which it charges money for. So now I am uncertain if I am at risk of being the victim of identity fraud, and being coerced into paying money to the people that leaked my private information.
To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.
i can no longer open accounts with any bank do to fraudulent activity with my bank of america account in a result of my information being stolen.
In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX
WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.
I Have MGCREDIT reporting on an acct that is not mine. 
I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )
On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
We receive multiple calls from this company on a daily basis. This has been occurring for more than a year. When you answer the phone, you either get a recorded message, strange sounds or the line disconnects altogether. When you do n't answer, they leave a mumbled message over and over again. when you call back, you get a busy signal or a message that this number is not in service at this time. This has occurred as much as XXXX times a day. This is a landline with XXXX so we, with advance request, could obtain a log of the incoming calls to validate the frequency.
TransUnion is continuing to report the accounts listed below in error. 
UNKNOWN CREDITOR ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account.
CHASE HOME FINANCE LLC XXXX - I HAVE NEVER PAID THIS ACCOUNT LATE, AND IT WAS NEVER A CHARGE OFF!! DELETE NEGATIVE REMARKS ON THIS ACCOUNT OR DELETE THIS ACCOUNT FROM MY RECORDS AS WHOLE!!! 
I have requested Chase to validate this account and send me a payment history several times. However, I only received an auto generated response to all of my letters. When trying to request validation via phone, I was advised to write to them and received same results!!
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX  during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX