WillisBack/dataset-financial-user-claim huggingface dataset:
Dear XXXX XXXX : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX XXXX. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute XXXX XXXX has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX XXXX credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

XXXX XXXX needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.
Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts.
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
I tried with everthing to receive a loan modification. I have emails dates and documents. About 4 years ago I was two payments behind with Citi-mortgage. I applied for a loan modification to try to catch up those two payments. Citi-mortgage modification department told me the only way I could receive a modification is that I first hold a payment so I could qualify for a modification. In there words at the time I had to be 3 payments behind in order to qualify. I did as I was told putting my self in deeper debt If you are 90 days behind you could be forclosed on. I tried for a year and a halp for loan modification. Than only thing left for me to do was to file bankruptcy house included. Money came out of my check to pay the bankruptcy department that was sent to Citimortgage by way of my attornies. Then I had to pay Citi-mortgage a regular payment of XXXX a month. Then they werenot satisfied and tried to get the automatic stay removed sent to my lawyers saying I wasnot making my payments. Remember money came from my check to pay them for back pay. Also I made a monthly payment of XXXX. My attonies negotiated and the new terms was I had to pay XXXX a month plus XXXX per month and money continued to come out of my check for Citi-mortgage. So now I made three different paymenst a month to Citi-mortgage I couldnot afford it buy I tried. Than they pursued 5 months latter to have the automatic stay removed. They succeded I spoked witth my attornies they suggested convert my chapter XXXX XXXX to a XXXX and surrender the house and walk from the house. I did as my attornies advised because Citi-mortgage refused to work with my attornies. I invested 10 years of myselft and my families life in that house. My wife and myself suffered hardship because of this situation. We had to find a rental property that cost us XXXX dollars a month. Also Citi-mortgage said we will not give you moving fee money. The move cost me and my wife XXXX plus furniture it depleated our savings. Citi sold my house and got all the proceeds. 

We could have been living in a cheaper house affordable and we own it now we are renting please investigate there tatics. I was told Citi-mortgage is a powerful company and know could take them own. They gave us no help whatsoever this was very unfair XXXX XXXX
https : //www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Advance-Checking-Account-Offer-HSBC-.pdf Open your new HSBC Advance checking account online by XX/XX/2018 and ; - I HAVE OPENED MY ACCOUNT ON XX/XX/2018 Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and - I HAVE DEPOSITED ATLEAST {$10000.00} WITHIN THE 30 DAYS OF ACCOUNT OPENING AND THE MONEY IS STILL THERE UP UNTIL TODAY. 

Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. - QUALIFYING BALANCE IS STILL ON THE ACCOUNT FOR MORE THAN 90 CALENDAR DAYS. WHICH IS NOW ATLEAST 8 MONTHS. 

I HAVE ASKED OVER THE PHONE FOR THIS ISSUE BUT THEY COULDN'T GIVE ME AN EXACT ANSWER BESIDES THE WORD - DENIED BUT NO EXPLANATION ON WHY. 

I HAVE SENT SECURED MESSAGES THROUGH THE ONLINE ACCOUNT BUT STILL NO LUCK. THIS IS THE LAST CONVERSATION AND THEY NEVER SENT ME ANY LETTER OR EXPLANATION - " Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer. Base on your previous BankMail communication, your concern has been forwarded your request for the approval to Network Head through Area Manager. Once we receive an approval we will inform you via BankMail. "
I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). 
Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or XXXX XXXX XXXX XXXX.
Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to XXXX.
On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.
I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?
I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full
A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.
I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.
I am writing to dispute XXXX XXXX/care credit, address ID Number XXXX, Ive reach out to the creditors but no answer from them The balance listed on the account is incorrect. Please the delete the account
I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
I called my Mortgage Company XX/XX/XXXX. I stated that they had increased my monthly payments because of an escrow shortage XX/XX/XXXX, and they had told me at the time that once they made up for the shortage, my payments would return to my previous amount. They had not changed, so I asked them to please investigate and let me know when that would be fixed. I called again in XX/XX/XXXX, because I had not received any communication from then. I was told someone would get back to me. Then, in XX/XX/XXXX I received a letter stating that there was " another shortage '' in my escrow account, and they would be increasing my payments again! Each time this has happened, it has been right after I called to complain about something. The first time, I requested a full disclosure of my escrow account, and the amounts in it. I feel like I am being retaliated against for requesting information that I am legally entitled to.
IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.
Equifax is not helping me and I have tried calling them more than 20 times to clear the charge which is in collections and is reflecting on my credit report for the amount of {$300.00}. 
Name of the company which reflects in collections is not my account and has been opened using my person information.
I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX
Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
In XXXX of 2016 I was the victim of a cell phone ( smartphone ) theft. The police report is attached. Due to that there was a avalanche and domino effect of low level identity theft. I am not rich therefore there is n't much for a thief to take. However, what I have I am proud of an I take honor in maintaining. The person who took my phone ( I 'm assuming ) was able to deplete my checking account as I had several virtual cards and other sensitive information there for the taking, unfortunately. This left me without funds other than what was in my pockets or at my home. I eventually was able to have every penny given back to me but it was weeks before this happened completely. I had to block my bank account to prevent further damage and as a result could n't pay my Chase account in a timely fashion. As a result, the payment was late and I went from a great customer to a one with a 30 day mark.
I sold my home and the closing date was XX/XX/2018. I had an overage in the escrow account. I have not received the refund of the overpayment amount from the escrow account as of this date, XX/XX/XXXX, and as I understand, I should have received the refund no longer than 30 days after closing. The mortgage company, Guild Mortgage has told me that a check has been mailed twice. The first check appears to have been lost ; it never arrived to me. I requested at least 3 times that the amount be sent by expedited mail so it would arrive to me closer to the 30 day cut off time after it was determined that the first check went missing and was not cashed, but they did not honor my request. It has been verified numerous times that the mortgage company has my appropriate address.
To Whomever This May Concern : My name is XXXX XXXX XXXX A company called XXXX XXXX are calling me and all of my family regarding a XXXX  account that I have never had. They continuously call me, my wife, my parents, and all of the above. I have a police report that is attached stating that I have been a victim of fraud and that accounts have been applied for in my name, that I have never had. I would appreciate if they would remove that account off of my credit report immediately and that they stop calling me and my family. I look forward to this being resolved asap.
I was recently a target of identity theft, with the suspect attempting to/successfully opening credit accounts in my name fraudulently. American Express was one of the merchants, so when I noticed the inquiry into my credit, I called them immediately to which they replied they had closed the account, and would contact the credit bureau ( s ) to remove the inquiry on my account. However, I requested the credit application copy that was made falsely in my name. I sent in all the paperwork that was requested, which included a case number for the police report I filed, the police officer 's  name/signature on the case, the date in which the report was filed and a copy of his business card and information ; along with several documents confirming my own identity and other pertinent pieces of information. I went above and beyond what I needed to do and then I received a letter stating that the information I submitted still wasn't sufficient, and therefore they would not hand over the credit application copy. Under the Fair Credit Reporting Act, I'm entitled to that information as a victim of identity theft. The representative refusing this was named XXXX, American Express ID # XXXX.
I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
On XX/XX/2018 the Purchase APR on my Chase XXXX XXXX card increased from 13.40 % to 17.49 %. 

I contacted Chase efor explanation. Unfortunately the phone rep was unable to explain and offered to send a letter. 

I have not received the letter.
This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0
On Friday XX/XX/2018 at XXXX in the XXXX, I received a text message from a receptionist at NCMI on their personal cell phone, asking what my husbands middle name was. When I responded asking her How come she proceeded to tell me that my husband and myself have accounts in their office with XXXX XXXX. I feel that this is a direct violation of my privacy, as to why a receptionist is looking into my account and contacting me on her personal phone when we were unaware of having any accounts in the office before this. I IN NO MEANS HAVE EVER REQUESTED INFORMATION FROM HER PERSONALLY NOR PROFESSIONALY.
I have filed multiple disputes going back as far as XX/XX/2015 regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Equifax has failed to provide any verification that the information was correct, They will just send out any email stating the investigation has been completed ( generally in a 1-10 day ) however never provide the information collected and the damaging information remain on my credit report. Also after the " investigation '' my credit is generally damaged even worst. They also sent out an email stating that a Judgement would be deleted from my report however the Information is still reporting on my credit report. I have contacted the creditors as well as equifax to correct the information without success. I do not feel that Equifax is investigating the disputes, I feel they are just waiting a couple of days and sending out a resolution email without providing proof. I feel this is unfair treatment and dishonest treatment in regards to customer service.
I am XXXX of XXXX beneficiaries on a savings account of my father 's. My father passed away in XXXX and when I inquired what was needed to collect and close the account, I was advised the death certificate. In XXXX I took the death certificate to the bank and requested the funds be distributed to the beneficiaries. This time I was told that all the beneficiaries needed to be present. I advised the representative that this was not possible as they do not live close to a branch bank and XXXX lives out of state. I was then advised that a notarized letter would be needed from each beneficiary with their name and mailing address so that the check could be mailed. On XXXX XXXX, I took the notarized letters to the bank. The representative called the legal dept. to verify if the letters were acceptable. This process took 45 minutes. I was then advised that the letters needed to have instructions included. When I asked what type of instructions, the rep replied he was n't allowed to tell me. I asked to speak to the legal dept. and that was n't allowed either. On XXXX XXXX, I contacted the branch manager to understand what was required to receive the funds and close the account. She could n't answer me and needed to contact the legal dept. and she would call me back. Five hours later she called me and stated the letters needed to include instructions on what was being requested. So again I had my brothers and sister complete notarized letters, mail to me and I took to the bank on XXXX XXXX. As of today, XXXX XXXX, the checks still have not been distributed.