WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX My Social Security income was suddenly decreased. I called Bank of America for # XXXX. They said my problem was to maintain shelter and food. The card was closed on XX/XX/XXXX. It has been 7 years, but they decided to put it on my credit report again, knowing I am XXXX XXXX XXXX  XXXX. That is a continual hardship for which I have no solution. Bank of America has gone to court with the government and received a mere " slap on the wrist '' for the way they have treated customers. This account was charged off, is over 7 years old, and should not be listed on my current credit report for XX/XX/XXXX.
The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed.
I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.
On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..
I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.
I applied for Capital one which they approved me for a capital one 360 account I inserted {$1300.00} into the account the account been open less than a month I now have {$330.00} in my account they are not releasing my funds due to not able to verify my identity. 

This is awful why have a system in place for consumers to apply in which it cant be verified at the time of application? 

XX/XX/19 between XXXX XXXX I called and spoke to a representative who was insensitive and was mimicking my voice and basically not professional to when I told him his conversation was being recorded he wanted to hang up. 

Capital one get people to sign up to basically take advantage of them. The man said I cant idenitify you so youre not getting your money .. 

These conversations should be monitored and recorded in which this one should have been because this rep XXXX! 

I just want my {$330.00} if they want to close the account after I withdraw my funds that would be great
Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.
Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, XXXX
Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale.
On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks
On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
My TransUnion Credit report has an unrecognized and unauthorized Hard Inquiry. I would like it explained and corrected. I am basing this information off my XXXX XXXX account. Thank you! 

Date of Hard Inquiry : XX/XX/2017 Unauthorized Institution that Inquired : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX
This is my office work number we are talking about at my work.XX/XX/XXXX XXXX: Got this collector from Cash Call calling me at my work number talking down to me and would not stop or listen to me and just rudely interrupted me and kept on over voicing me. I told him that this my work number and to call me again .XX/XX/XXXX XXXX: Calls back again telling me that he'll call me as many times as he wants and there's noting I can do about it - As I am telling him off, he thinks it's the funniest thing in the world. I warned him that I will report him if he continues to call me at work.he said he will continue to do so as long as he pleases and I hung up again and didn't answer my own work phone anymore.Got pretty sick and couldn't work until XXXX XXXXXX/XX/XXXX: Calls again and we end up in another yelling and screaming contest, where he is saying that the calls are being recorded and i better talk to him otherwise he would play them to my supervisor so he can hear the language I am using and what kind of a person I am. Again I am telling him not to bother me with his calls again at work and again he is saying that he will continue doing that. Now determined to file a complaint I ask him for his number he says as he gives it to me there we go, call me when you calm down and we can talk again. I hang up.XX/XX/XXXX around XXXX: I have a voice message on my work number, ridiculing my work title and ordering me to call him back at the XXXX number - I assume this a variable drop and get a new number type thing, because there hasn't been any reports on it yet, so all this stuff with proper caller ID etc per FCC + FTC guidelines are a joke for cashcall and nobody steps on their toes.I know he will not stop, so I will not be answering my WORK phone for a while because of this XXXX until I get a response from the CFPB, while I look for a good attorney to get the voice recordings and sue the fine people involved in this.
In XX/XX/XXXX I contacted XXXX XXXX XXXX for XXXX loan. I had not realized the interest rate was over 300 %. Now in XX/XX/XXXX I have looked back over the five loans I have taken out and the service fees have been much higher than what was explained to me by the representative over the phone. For example, the loan disbursed in XX/XX/XXXX for {$500.00} had and immediate {$150.00} service fee added on to it before I even made a payment. 
Here is a list of loans to date amount borrowed and amount I paid back to pay in full. 
After first loan was paid in full I received weekly emails telling me I was approved for more money and to contact them. I added their email to my spam folder in XXXX and did not hear from them again. Due to full disclosure I did initiate the future loans through a phone call but was never told the high interest or amount I would b paying back. Due to the fact that I live in Pennsylvania ( I saw article online stating these companies can not operate in this state ) I would like the final payment of {$550.00} waived from paying this creditor. I have paid them a total of {$700.00} back on a {$500.00} loan to date. 

XX/XX/XXXX borrowed {$150.00} on XX/XX/XXXX paid off for total of {$220.00} XX/XX/XXXX borrowed {$300.00} on XX/XX/XXXX paid off in total {$450.00} XX/XX/XXXX borrowed {$500.00} on XX/XX/XXXX paid off {$800.00} XX/XX/XXXX borrowed {$800.00} on XX/XX/XXXX XXXX paid back {$1600.00} XX/XX/XXXX borrowed {$500.00} as XX/XX/XXXX still owe XXXX paid back {$700.00}, in conclusion, I would like one click cash investigated. The payment they attempted to pull from my bank on XX/XX/XXXX was flagged by my credit union due to it trying to pull from as account overseas. I called my back to release the payment. 
The reason for the concern is we found an article online about a settlement in XX/XX/XXXX about this company.
Im very unhappy at the fact that there is FRAUD information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
I 'm copying this from another internet as it accurately captures my complaint. Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
My Name is XXXX XXXX XXXX, on XX/XX/2018 I wired {$80000.00}, XXXX to XXXX XXXX XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. I went to Wells Fargo to file a complaint, they suggest me to call their 800 number and talk to wire department. when I call them this morning they said they can not do anything because i don't own the account and they are not willing to put a note of suspicious activity with this on this account so no one can be harm again, because I have receive another email telling me wired it to different Wells Fargo account. # XXXX which does not belong to XXXX XXXX XXXX XXXX. They are kind of arrogant first they accept wired money which name and account does not match, yet they don't want to help me prevent other people from being a victim.
On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you
Wells Fargo employee refused to let me speak to their branch manager and give me their branch number.
Sent certified letter to Citibank on XXXX asking the following questions : Please provide payment history on these loans. Please provide explanation why payments made over the minimum due were not applied to principal reduction. Please provide information how payments made during deferment were applied. Why were late charges assessed during loan deferment? Who authorized electronic statements and where were they sent? On XXXX requested to be taken off electronic statement. I received 2 paper statements which were paid in full. Never received another statement. Citibank responded on XXXX saying : " Loans XXXX and XXXX were sold to XXXX XXXX and Loan XXXX was transferred to XXXX XXXX. I contacted both XXXX XXXX and XXXX and neither company had any record of the loans and both said I should contact Citibank. I sent a 2nd certified letter to Citibank on XXXX saying neither company had a record of the loans and I should contact Citibank. Citibank did not respond to the 2nd letter. I received a letter dated XXXX from XXXX XXXX XXXX asking me to pay {$9100.00}.
I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.
My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized charges XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX  XXXX XXXX   XXXX, XXXX XXXX, XXXX TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case
I began disputing the XXXX Bank, NA account that is reflected on my credit report, in XXXX XXXX with Equifax Credit Bureau. In XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX advising them that this account did not belong to me. As the report ( see attached ) from Equifax themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that Equifax delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XXXX XXXX, XXXX, I contacted Equifax by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact XXXX Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted XXXX Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my Equifax report. To my dismay, I was placed on hold in excess of XXXX hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/X/2017, I again contacted XXXX Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!
Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple. I did not authorize these nor did I apply for any bank accounts. Also they have fraudulent addresses listed on my Chexsystems reports I have disputed these as well as requested this be blocked. The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/XXXX was authorized, however I havent applied for any account or service with them in XX/XX/XXXXat all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer.
i tried to open hsbc cking acct, gave the wrong phone #, so i when in again. as i would not get that tx, When in to correct the phone # and app denied. I am tried of this bank pullls erroneous info on your cr bur. This is the 2nd time this happen. No other bank XXXX, XXXX, ask questions of erroneous info. I don't know where they get this XXXX from, I want this acct open and XXXX that comes wit it.
CHANGING MONTHLY MORTGAGE PAYMENT AMOUNTS?. WHY ESCROW ACCOUNT MONTHLY AMOUNT CHANGED AND OR WENT UP IN MONTHLY AMOUNT DUE?. WHY MONTHLY MORTGAGE PAYMENT " DID-NOT '' GO DOWN, BECAUSE : HOME-OWNERS-INSURANCE COSTS / MONTHLY WERE REDUCED BY AT LEAST 50 %?. UNABLE TO REFINANCE HOME BECAUSE OF " XXXX '' REPORTING AND OR NOT REPORTING CORRECT PAYMENT HISTORY?