WillisBack/dataset-financial-user-claim huggingface dataset:
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXX XXXX  GA XXXX '' XXXX XXXX " late payment XX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XX/XX/XXXXopen account of $ XXXX  " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX  " XXXX XXXX  and Experian have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Nationsta mortgage will not give the payoff amount so I can refinance my home through peoples bank.
I saw a commercial for Discover.com It said you do n't need to have a Discover card to get your free credit score, just go to Discover.com and fill out an application. I did this, now they have all my information including social sec. # and I do not have my credit score. When I sent in the app. I got an OOPS response saying something went wrong. I sent them an E-mail telling them about this. I asked if this is a scam or what, you have all my info and I have no score. I even told them I was going to report them. I never got a response and it 's been about 4 days. Thanks, XXXX XXXX XXXX
I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.
A couple of years ago XXXX called me about getting discovered and getting famous. I was excited and my dad set up an appointment with them. It seemed so real but it was a major scam. They asked for over XXXX dollars for a photo shoot. I did not get my photos and I still have all the contracts and receipts of all the transactions. I want my money back basically.
I financed a purchase through Best Buy in XX/XX/XXXX using my Citi Best Buy Card that I've had since XX/XX/XXXX. I have not used the card in years. Last month, while reviewing bank account charges on my account personal account, I noticed 4 'auto debited ' checks that were made to Best Buy. When I called the number listed next to the charges, Citi indicated that the were debt protection charges. I told them that I did not agree to debt protection, and requested that they cancel the subscription to the service and refund my money. Citi responded that the refund would take a few weeks to process. I then went and noticed the same changes in XX/XX/XXXX. I waited a month to see if the refund was processed. I logged in and noticed that Citi emailed a pdf letter stating that the charges were from a service I purchased in XX/XX/XXXX. I immediately call Citi and stated that I never purchased any debt protection, nor did I agree to it. I also stated that I haven't used the card in years and requested to speak to a manager. Citi indicated that this was an issue with the 3rd party and refused to discuss it with me. I noticed online that this has happened to many people. I never agree to any debt protection service, nor did I purchase debt protection. This is completely fraudulent on Citi 's part.
The Contract Related to this account has been canceled, NO CONTRACT, PLeas provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transfered to another lender please provide any agreement between the original creditor and new lender or collection company
Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.
In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file.
My Experian report shows a inquiry from  XXXX   XXXX  that I did not authorize.
I am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.
This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.
Trans Union continues to report companies with {$0.00} balances as delinquent such as XXXX XXXX, XXXX XXXX   and XXXX XXXX.

It is also reporting multiple inquiries to whom a lot of have given no consent to run my credit.

It is also reporting a new account XXXX XXXX XXXX that I have had no contact with and am not the designated owner of the account.
Account of XXXX was delete from the credit report in XX/XX/XXXX and re appears in XX/XX/XXXX. 

I dont recognized the Inuiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago. 
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not. 
thank you.
I keep getting harassing phone calls on my cell phone from Dynamics Recovery Solutions. I do not owe any debt yet they keep calling me despite being told that I am not the person they are trying to contact!!. Now they are even calling my cell phone!
On  XXXX   XXXX ,    2017 I w as charged a " Repayment Fee '' of {$960.00}. I inquired about what this fee means, but I was not given an answer. Instead, the customer service representative informed me that they could not find my account. I replied, asking again what the fee meant, which does not require my account information, despite the fact that I attached a screenshot of my statement in the original email. I was just being given the run-around by a company using a bait and switch tactic to not answer my question.     If the repayment fee is a fee for repaying the loan early or paying more than the minimum amount, then I was misled. Navient 's 'Common Questions ' section of their website explicitly states, " Can I pay more than my monthly payment amount? -- You can always pay more than your monthly payment amount. By paying more now, you 'll pay less over the life of the loan. '' Is there another reason I was charged a " repayment fee ''? Is n't the interest on the capital the repayment fee? At the very least I would like an answer, but I ca n't seem to find find a relevant FAQ to reference, and the email I exchange I had with  XXXX  XXXX  XXXX  never addressed my question. Since my last reply 4 days ago, I have not received a response.
My complaint is against XXXX/Netspend for not depositing my payroll check. My check was suppose to be deposited into my bank account last night ( XX/XX/XXXX ) and I have not received anything! XXXX has a recording stating that the issue is ACH but have no estimated time of when the issue will be fixed. I have been on hold with Netspend for over an hr and a half! No one has any answers! It is scary that someone can just take my paycheck like that. I have small children, no money, no one to get money from, my electricty is scheduled to come out today and if I dont pay it, it will go off! I work from home and i need my electricty to operate. This is beyond ridiculous and illegal. After reading multiple reviews online, people have been waiting for their deposits since last Wednesday! We have not received any notice about anything. How am I suppose to do anything without any money? NETSPEND & XXXX ARE THIEVES!!!!!!
I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer.
Wells Fargo made a mistake in my account and is incorrectly charging late fees and sending me wrong statements. Inspite of assurances provided by their representatives that since this is a system mistake a manual adjustment will be need to be made, nothing has been done for the last 2 months and harassing me with phone calls continues.
I applied for a XXXX XXXX XXXX credit card with Citibank and was approved about XX/XX/XXXX. About XX/XX/XXXX I received a pin #. About a week after that I got the credit card in the mail. I called to activate and they said they could not activate until I responded to another piece of mail that I would be receiving another another 7-10 days later. I get that letter and am told that I need to send a copy of y social security card. I call them and tell them that I ca n't find my card and ask if I can send a copy of my license ( like my boyfriend XXXX ) and they say no. I tell them to just cancel the card then because I have no time to apply for another social security card and they say they ca n't do that. I call another week later because I am getting emails that suggest I have the card and my balance is {$0.00}. I tell them I do not want my name associated with this card and they still will not cancel the card in my name and send me a statement that the card is cancelled ... by the way each person I speak with has a XXXX accent. This makes me nervous because now the XXXX has all of my credit info and thy wo n't cancel the card. I have spent at least an hour on the phone numerous times to cancel this card. 
I want it cancelled and they wo n't cancel it and keep trying to get me to activate.
Loan # XXXX SPS Account # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed  documents with the SEC in XX/XX/XXXX ). SPS indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the Trustee, XXXX XXXX, XXXX. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests
i got a letter in the mail today from citizens Bank saying I was denied credit. The problem is that I never applied for credit card with them and furthermore I have had a fraud alert on my credit report with all XXXX bureaus stating that I have had people submitting fraudulent applications in my name and in case anybody applies for a credit card under my name to call me first and verify that is me before they run my credit!! Needless to say I never received a call yet they still ran my credit which severely impacts my credit score. when I tried calling them I just keep getting rerouted and rerouted from Department to Department until eventually I got a departmnent that was closed!! This should be illegal ... what is the whole point of a fraud alert if they do n't follow the rules??!!!
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/XXXX, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/XXXX AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND XXXX  OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX  AND FILE NO XXXX- CFPB- XXXX
Unauthorized money transaction, by means of direct deposit, by the company XXXX. The company direct deposited illicit monies. Bank to Bank.
I was instructed by what I later found out was an imposter to pay some vendors on a XXXX job I was being hired for. I was instructed to send two money grams to XXXX XXXX ref # XXXX for {$1300.00}. and XXXX XXXX ref # XXXX for $ XXXX- they are nothin XXXX XXXX . The check given to me to pay this ended up being bad.
I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.
I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Paypal will not allow me to withdrawal or access {$6400.00} XXXX in my PayPal account. I did not violate ANY PayPal policies. They simply decided they did not like my business but that is not an acceptable reason to withhold a consumer 's funds. I believe they are subject to US laws regarding financial institution funds availability practices and withholding my funds is illegal, as well as unethical, and immoral. They are a multi-billion dollar company and there is no reason to be holding any member of the public 's lunch money for half a year.
I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Trans Union has ignored my pleas to them about being a victim of identity theft. They have not deleted the items that I have provided them a police report for. They are ignoring my consumer rights. I expect fraudulent items to be deleted not play games about filing out forms to have a " fraud alert '' on my credit which does ZERO to get these fraudulent items off my report and does NOT stop identity thieves from stealing my identity. I will get a freeze once TU gets off their hands and does their jobs!
ON XXXX 2016 XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERFORM TRUSTEE SALE ON BEHALF OF MY BENEFICIARY -LENDER WELLS FARGO BANK & MORTGAGE XXXX XXXX XXXX IN THE STATE OF XXXX IN THE FRONT OF JUDGE XXXX XXXX AT THE JUDICIAL BRANCH OF XXXX UNDER CASE # XXXX FOR PARCEL # XXXX ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THEY WERE REPRESENTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEN THEY SOLD IT IMMEDIATLY TO XXXX IN THE XXXX. THE ENTIRE SALE IS SCAM BETWEEN WELLS FARGO, XXXX & XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by Sears referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit.

Citibank reports and update on XXXX reports several times within a month while Citibank and Sears report same account together as one on XXXX reports. I feel their practices is unfair. Citibank ( CBNA ) reports a remedy in comment section and tagging XXXX with Sears using the same address
XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.