WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my debit card ... but since it was still pending ... the bank was able to block the withdrawal. I placed a fraud alert on my credit reports and I got a new driver 's license and then ended up getting a XXXX one with my new name since I had married. 
Last week I received a letter from Meade & Associates attempting to collect on a debt from XXXX checks written on my old account with my old drivers license name starting in XX/XX/XXXX. I called and spoke with XXXX XXXX and he agreed that everything was done correctly, I just needed to send him the information from my bank and the police report along with my current drivers license. I requested that he send me copies of the checks that were written, which he did. I went to my bank and they did not have anything specific since nothing actually went through my account at the time. However, they new I had closed that account and reopened the new one and that I had presented them with a police report. They wrote me a letter to give to XXXX XXXX and I was able to retrieve the police report online. Monday, XXXX XXXX, I faxed both of these documents along with my current drivers license, my actual signature, as well as the new police report number for the case filed with the forgery/fraud department. I followed up with a call to XXXX XXXX on Tuesday and was informed he was not available, but they would have him return my call. I called Wednesday afternoon and was then told that he had left early that day without returning my call. I asked if anyone else could help. I was transferred to XXXX. She obtained the documents that I had faxed and I explained to her I wanted to finalize clearing this ordeal. She became hateful and kept saying she needed documents that I she already had. She stated I still needed an affidavit from my bank stating I did not write the checks ... she refused to listen to anything I had to say and acted is if it did not matter what I sent ... it was n't going to make a difference. At that point I definitely became angry and she told me to never call that office again. I called my bank and told them what was going on and they stated that XXXX did not know what she was talking about because the bank never had me sign an affidavit because nothing had actually gone through my account since I had immediately blocked all transactions due to closing the account. The check transactions even clearly say that when they were processed there was no account found. I am currently waiting for my case to be assigned to a detective ... but I am filing reports and claims to help prevent any more aggravation from this company and hope they will learn that you ca n't treat people like criminals when they are the victims in some circumstances ... especially when they present facts and proof.
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$2100.00} collection dept on my credit report at which time, I pulled my own credit report and saw the amount was being reported by Capital Accounts. 

Later, on XX/XX/2018, I disputed the amount in collections and the Collection agency as I had not received any letter or contact from them regarding the debt. The disputes were made online with all three credit bureas : XXXX, XXXX, and XXXX. I asked that the debt balance be removed and/or shown as a charge off.
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into XXXX  with the intent of stealing or not paying for the merchandise. He then hung up.
Entered repayment arrangement paid payments and still never got of wage garnishment. Resulted in homelessness of myself and children.
I am still in the same place I was on XX/XX/XXXX when I filed the first complaint!

Complaint ID XXXX Equifax Complaint ID XXXX   XXXX XXXX XXXX  XX/XX/XXXX I called Equifax again because this account is still reporting and preventing me from getting housing.

I was transferred to the Fraud Team as the account was confirmed and still reporting and reconfirmed again as of XX/XX/XXXX by XXXX XXXX XXXX as valid and will not be removed.

I was then informed to get a police report to block the account from my report. Im not sure what Im supposed to allege in said police report but that is my only option and what do I say?

There is an obligation to consumer and it's not being met.

Id like action to be taken against both Equifax and XXXX XXXX XXXX immediately.

If this is not the avenue and I need to obtain a lawyer then let me know because Ive been XXXX for months and both companies have responded to the CFPB with untruthful statuses and responses and I am still being impacted by an error on both parts.

This account on my credit report has caused me to be denied housing ever sinceXX/XX/XXXX. I've paid application fees only to bed denied.

I contacted the agency who is listed : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX ( 8 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX I disputed the information repeatedly through Equifax 's process as XXXX XXXX  advised in the CFPB report ID noted above, and Equifax continues to report that they are confirming the debt as valid when it's not.

But then Equifax in their response to the ID noted above says the account is not on my report, but it still is.

Both untruthful reports back to the CFPB by both parties.

Additional history : In XX/XX/XXXX I called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me. I have a recording of the call. I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have. I have owned my house since XX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either. I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.
On or about XX/XX/2019 I was contacted on my home phone by someone claiming to be from Nissan, an auto lease that I had while on XXXX XXXX. This car was repossessed and given to creditor willingly. Payments we not made due to severe automotive accident with XXXX. Personally was not aware of my responsibilities. I explained this to the company at that time. On the above date I was called by the company being told if I dont pay them the total amount due in a lump sum they will sue me. I am a non working XXXX veteran. This was explained to the creditor they told me the didnt care I had to pay them in full that day or they would sue me. They also stated the would take my income until the debt was paid. Upon hanging up on the called I called the credit back. They claimed that they could do what they want to get their money. So what if you are a XXXX veteran. 
The tactics of this debt collection is extremely rude.
I, XXXX believe that the credit bureaus such as Experian are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Experian can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. This negative on my credit reports hurts me personally, as I am a professional XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Experian to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Experian.
Dear Sir, I have received a letter from Chase that there is account on my name, which was numbered was " XXXX '', I do not have any business with chase on any kind of loan or insurance, there were two credit cards ( ending XXXX  and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the CHASE CFPB Complaint IDs XXXX,XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with chase at all. All of sudden I received the letter from chase that there is a account 'XXXX  ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account 'XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called 'XXXX ( Home Equity of Chase ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against chase and account number 'XXXX  ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account 'XXXX  ', file a complaint against chase, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with chase and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
This is in regards to the recent Equifax data breach. Equifax has indicated my personal information was likely stolen. Given the amount of highly personal information Equifax has about me, I 'm now at a great risk for personal identity theft, and will have to take many additional measures to safeguard my identify, all of which are not full-proof given that they can be circumvented with the very same info that was stolen. Equifax, while a victim themselves, must take action to assist me, and many others in securing our identify once again.
I created a Citigold checking account using a promotional bonus code for XXXX XXXX XXXX miles that were to be awarded upon completion of set criteria. I met all requirements necessary to receive the bonus and positively confirmed having met all requirements with several citi agents via live chat on numerous occasions throughout the promotional period. After waiting more than 90 days after completing all requirements, I contacted citi to inquire about the delayed appearance of the bonus points. After several communications I finaly received an email stating that I would not be receiving the bonus points. I have since spoken to several agents and have not been offered any type of resolution.
This complaint arises out of a loan application from XXXX ( NMLS # XXXX ). The complaint is : ( 1 ) improper statement during an initial phone conversation about available rates and the ability to change interest rate after lock-in ; ( 2 ) failure to correct loan disclosures and other documents ( e.g. loan application ) when asked several times ; ( 3 ) failing to stop sending e-mails asking to sign loan disclosures after loan application was cancelled ; and ( 4 ) continuing to inform me that I had to sign improper documents. 

On or about XX/XX/2017, I was shopping online for a mortgage quote. After speaking with XXXX XXXX ( NMLS # XXXX ) at XXXX about the mortgage rates, I questioned him about a {$450.00} " lock-in '' cancellation fee. He indicated that that fee had only been charged one time in 8 years and that it only related to if the loan details substantially changed. I specifically asked about whether the interest rate can be changed after the lock-in and he stated that it could change. Once I received the initial disclosures, application, and other documents ( the " Documents '' ), I noticed a errors in the Documents. XXXX stated they would fix the errors but told me that I would have to sign the existing Documents and they could n't generate new ones. On XX/XX/2017, I spoke with a supervisor about the issues with the Documents, that the amount quoted online was different, and that the interest rate was now lower. I requested all of these items to be changed. The supervisor informed me that it does n't matter if the Documents were incorrect I was just signing that I acknowledged they were received. However, the Documents included much more than what was indicated on the phone including without limitation the actual loan application, request for tax transcript, etc. In addition, despite the original conversation with XXXX that I would be able to change the interest terms, XXXX XXXX XXXX failed to honor its original obligations to lower the interest rate. I informed them I no longer wanted to do business with XXXX. I received an e-mail stating the loan application was cancelled. Thereafter, every day I kept receiving e-mails from XXXX asking me to sign the Documents. On XX/XX/2017, I e-mailed XXXX asking him to stop the automatic e-mails. He responded by stating : " Unfortunately the only way to get rid of those daily reminders is to sign. The reason is the government requires that we keep a record of the disclosures, therefore we can not delete them. As well as a record of the borrower acknowledging they received them. '' XXXX failed to let me know that I could select " decline to sign '' on the application.
I had an account with USA Discounters and I saw that they are now going out of business. I received a letter from XXXX ( I am Military ) saying they were going to garnish my wages. I did not receive any paperwork or court order of having to pay them. I had trouble paying and they ended up suing me in XXXX back in XXXX 2015. I did not know that they did this and before tried working with them. Now that they are out of business how am I supposed to fight this? I am XXXX and according to XXXX I got the court order which I did not. What am I suppose to do to combat something I did not know was happening? I looked up Warrant of Debt ( that is what I guess they supposedly served me with ) and it says that they can not sue me in a state where a contract was not signed. I was in XXXX at the time and When XXXX said they sued me, I was in XXXX and the court proceedings were in XXXX. Attached is what I got from XXXX but never got any court orders.
Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.
The account in questioned was owned by my mother, XXXX XXXX, who passed XX/XX/XXXX. The account is held by Portfolio Recovery Associates. XXXX XXXX XXXX XXXX ( XXXX ) The amount on record is {$6000.00} My mother made me an authorized user on the account, because she was legally XXXX. I was the Power of Attorney. 

I submitted a letter to Portfolio Recovery Associates in XX/XX/XXXX to remove this account off their records and from my Credit Report. I never got a response from their office. 

The account has me listed as Joint owner. I am not a joint owner on this account. 

I requested documents from Portfolio Recovery Associated, to show my signature and the date the agreement was executed. I am waiting for a response. 

The records will reflect that there has not been any activity on the card in question after my mother passed ( XXXX ) in XXXX. 

Again, I was an authorized user, not joint signer on this card.
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
XXXX ( hereinafter " XXXX '' ) stated that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( open " XXXX Attachment '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX, which was recorded in the EXECUTIVE BRANCH OFFICE OF THE FEDERAL STATE OF HAWAI'I 'S BUREAU OF CONVEYANCES as Document Number XXXX. ( open " XXXX Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its loan to COUNTRYWIDE HOME LOANS, INC. ( hereinafter " CWHL '' ). ( open " XXXX and XXXX Attachments '' ). BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) hired XXXX, HI, XXXX, XXXX, to fabricate two " ASSIGNMENT OF MORTGAGES '', dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, from BANA to BANA. ( open " XXXX and XXXX Attachments '' ). CWHL ships a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX, with a Notice Date of XXXX XXXX, XXXX, stating that the Loan was transferred from XXXX ( hereinafter " XXXX '' ) to BOFA MERRILL LYNCH ASSET HOLDINGS, INC., on XXXX XXXX, XXXX. ( open " XXXX and XXXX Attachments '' ). BANA fabricates another Notice by now claiming to be the Creditor on behalf of BOFA MERRILL LYNCH ASSET HOLDINGS, INC., with a Notice Date of XXXX XXXX, XXXX ( open " XXXX Attachment '' ), without shipping a new and updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX Attorney FULFILLING THE LAW CENTER ( hereinafter " XXXX '' ), between the dates of XXXX XXXX, XXXX until today dated XXXX XXXX, XXXX. This reveals and uncovers that the left hand does not know what the right hand is doing. BANA assigns an " ASSIGNMENT OF MORTGAGE '' to itself, and then places itself in another " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' from FANNIE MAE to BOFA MERRILL LYNCH ASSET HOLDINGS, INC.
I have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.
This is a complaint against AMEX/DSNB. I have been a victim of identity theft for XXXX years and my Equifax credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Vehicle Repossession, Proir to my Husband 's Death on XX/XX/XXXX, I XXXX XXXX Has never recived a bill of sale the account is reporting as an Charge Off on my Report Report with a Balance of $ {$8700.00}. I would like for that Account From Overview You've paid off 44 % of the original amount. 
Balance {$8700.00} Highest Balance $ XXXX Monthly payment {$330.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Term 77 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX Creditor Information GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXX XXXX XXXX, NJ XXXX