WillisBack/dataset-financial-user-claim huggingface dataset:
I have reason to believe someone got my mail and without my authorization used my XXXX credit card, where I live the mail is dropped through XXXX mail slot beside the door for every room in the house that is being rented at XXXX XXXX XXXX, XXXX, PA XXXX. Then the landlord picks the mail up off the floor that came through the mail slot and put individual single piles on the lobby table for renter 's to pick-up daily mail. 
I applied for a XXXX credit card online and never got a confirmation that I was approved or denied XXXX credit card, so I re-applied again with XXXX Customer Service representative and I was approved over the phone right then for XXXX and I received my XXXX credit card ending in XXXX. I told the customer service representative before she helped me apply for the XXXX credit card that I applied online 4 weeks earlier and I never got a response from XXXX if I was approved or denied, the customer service representative said she did n't see in the system were my online application for the XXXX credit card so we processed my application and I was approved. 

Then sometime in XXXX 2016 I received a XXXX Billing Statement showing I owe XXXX credit card XXXX that 's when I called XXXX put in my account Number ending XXXX and it stated that I had a " XXXX '' balance owed and that they got my payment of {$39.00} and change, That 's when I noticed the account number on the XXXX Billing Statement from XXXX did n't match my credit card ending in XXXX the XXXX Billing Statement account number ended in XXXX. So I contacted XXXX customer service who transferred me to XXXX Credit Fraud Department. 
So when I applied the first time online that credit card application for a XXXX credit card had to have been approved. How I found out there was a second XXXX credit card was when I received the XXXX Billing Statement with the account number ending XXXX. 
The XXXX credit card number XXXX I never received this card/made any charges or payments on this account ending in XXXX. 
So I started contacting XXXX Fraud Department at XXXX and XXXX several times a month to help me resolve the fraud on the XXXX account ending XXXX. 

XXXX XXXX XXXX
I have recently disputed incorrect info on my experian credit report It is a bankruptcy filed XX/XX/2013 and a XXXX XXXX card XX/XX/2013 for XXXX that says it was included in a bankruptcy I have disputed it several time as not mine and they have refused to do anything about it. Now they will not even allow me dispute it anymore. It is effecting my score greatly. Thanks for your help.
I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX.
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.
THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
I have been receive d 4 call s so far from  Focus Receivables Management   XXXX   XXXX   XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message  Do Not   Call send me a letter with all the details.
I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.
My mother was preparing to purchase a home. She received an email from lender instructing her to wire funds to a certain XXXX XXXX XXXX account. She wired her down payment/closing costs totaling {$57000.00} on XXXX from our joint Chase bank account to a XXXX XXXX XXXX account. Two days later, at the closing for the house, she is informed by lender that they never received the funds and that they never sent us email with wire transfer instructions. That 's when everyone discovered that someone had hacked into lender emails and sent a fraudulent email in an attempt to defraud my mother of this money. We immediately report the incident to Chase and to the FBI. Chase opens up a case # and initiates a wire recall request. A few days go by and no word from either Bank or the FBI. I have yet to hear from the FBI and from what I understand, the amount is too small for them to get involved. So, I reached out to my local police department and continued to follow up with both Chase and XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they had flagged their customer 's ( receiving ) account and successfully frozen the funds on their customer 's ( fraudulent ) account. They also inform me that they are willing to transfer the money back to our Chase account and that they only need Chase to sign off on a " hold harmless '' letter. I reach out to Chase again by phone a few days later and to my surprise, I am informed that they ( Chase ) have cancelled my recall request and closed my case. After my initial shock, I drive to a branch and ask a Chase banker to double check the status of my case. They inform me that case was indeed closed because they were not willing to sign off on the hold harmless letter. I plead with them to reconsider, stating to them that I am their customer and that the other bank is willing to cooperate and send the money back. Again my own bank refuses to assist saying they will not be signing any letter because there was no fraud on their part. At this point, I am in disbelief that my own bank dropped the ball on us and did n't even have the decency to reach out or call at any point to inform me of their decision. If I had not called them asking for a status, I am not sure they would have ever reached out to me. It seems that the receiving bank is more interested in working with us to prevent this fraud than my own bank is. XXXX XXXX XXXX offered me an alternative by having a police report sent to them ( which I 've done ), but still unsure that this will resolve the issue. I am deeply appalled by the treatment and lack of concern by my own banking institution. Chase would rather sweep the issue under the rug and needlessly avoid resolution than to take care of their own customer. Again, the receiving bank is willing to cooperate and send the funds bank, but it 's my own bank that lacks any sense of duty to assist or prevent fraud by leaving its own customer out in the cold.
I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC. 
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.
On XXXX XXXX, 2016 I found that there was an account for XXXX on my TransUnion credit report. I sent a certified letter on XXXX XXXX, 2016 to the address listed on my credit report. It came back as undeliverable. I then contacted TransUnion multiple times via phone and I also faxed them a copy of the mail I received back on XXXX XXXX, 2016 along with a letter asking for the negative account to be removed from my report due to inaccurate reporting. I was hung up on, told that they would contact the creditor but not delete the innacurate account and not transferred to the supervisor upon asking several times. 

Per the FCRA, this innacurate account needs to be removed.
Equifax and XXXX is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both Equifax and XXXX failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.
I have called XXXX XXXX Medical Center to check if I owe anything but they confirmed all of my bills were paid off.
I have a capital one sharebuilder investment account. I want to close the account and withdraw the funds. When I was trying to do this I saw I had an outdated address on file and update it to my current address. Now they say that it 's not a valid address and wo n't let me withdraw the funds or transfer the money to one of my other accounts. My other 10 accounts with them have no restrictions. I called them on XXXX/XXXX/XXXX and spent 2 hours on the phone getting fingers pointed at other departments and one of the supervisors there implied I was a terrorist ( after being their customer for 10 years ). On XXXX/XXXX/XXXX I recieved an email again stating they are unwilling to close my account.
On XX/XX/XXXX I wired {$3000.00} from XXXX  XXXX to bank of America. The wire was immediately returned due to an invalid account number. Here is the thing. They sent back only {$2900.00}. I am very upset. What gives them the right to do so. I entered under no agreement with them. Signed no contract yet it was reversed immediately probably electronically. And this justifies them to take my hard earned money. 

The fee, IMO, is arbitrary and not something I ever agreed to. To take their line of action to an extreme, what would stop them from keeping half of it, or all of it? I don't see what legal basis they have for keeping any of it. 

The fee is unreasonable considering they performed no service. Maybe, if they held the money and asked for account number clarification, given that they had the payee 's name, and could have seen the account number was off by one digit, I would have felt it more reasonable that they did diligence or provided some value. But {$45.00} just to reject it?
I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.
XXXX XXXX which is the bank behind XXXX XXXX Credit Card as well as Paypal. 
My understanding is that any interest rate above 24.00 % is considered " userous ''  and therefore illegal. During this past month and within the previous 2 months out of a payment of {$79.00} they took {$50.00} in interest Before that I had a oayment that was higher and they took like {$79.00} in interest just after I had verified that I had money to the good on my account. I ended up in a conference call with XXXX, XXXX XXXX and myself to prove to them that I had NOT selected any promotion on the card. In fact there was n't even a selection for it on XXXX 's website. When I asked about the interest rate on the card the first time they told me 25.00 percent ... this month it was 26.99 percent. 
They do n't get to turn a credit card into a legalized " slush fund '' which appears what is happening here. Please look into this as well as forward this information on to the SEC, Better Business Bureau and IRS. I believe they are using illegal banking practices here or Mob type tactics and need to be not only investigated but held accountable as well. I believe what is going on here is that they automatically put everyone who makes a purchase on a 6 month financing or other promotion even though they do not select it as I NEVER had or have. When they said I had they outright blatently lied about it. That is how we ended up on a conference call to prove it.
On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.
I 've requested MBB to provide validation of debt and they do n't. All they 've sent me are the account numbers.
I have a charged off account with XXXX XXXX about delinquent payments, I contacted them prior to the late payments and explained my situation. I applied for the card a week after I turned XXXX, which is also 4 weeks after I had my XXXX and XXXX  child. I told them I was struggling hard being only XXXX and a single mother. I explained that I wasn't able to pay and they refused to work with me. I'm XXXX now and I emailed the CEO once again, 5 times again before I gave up. tI recently emailed the CEO of capital one, About 3 weeks later I got a response in the mail saying they refused to help me. I begged him for a second  chance. I'm young and I need help!
I have a XXXX XXXX XXXX account that is past the 7 year statute of limitations to report on my XXXX credit file. Midland credit management, the company which bought the debt, has re-aged the account to increase the time the can try and collect on the debt. Re-aging is not allowed under the FCRA and is a violation of my consumer rights. XXXX closed the account in XXXX and it was XXXX delinquent in XXXX of XXXX. The XXXX delinquency is the only date and standard for the 7 year reportable status. Based on this information, provided by XXXX XXXX XXXX, this debt is no longer reportable on my credit file yet MIdland is trying to report the first major delinquency as XXXX. This would be impossible as the XXXX account was closed in XXXX. A simple internet search will show, while Midland claims otherwise, that Midland has a poor track record of adhering to FCRA guidelines and has been subject to XXXX in fines. Their questionable collection tactics have continually violated consumers rights to maximize their profit. I Have filed complaints with the XXXX, CFPB, and California Attorney Generals 's office, yet Midland asserts that they do not re-age accounts. It only takes XXXX look at my documents provided by XXXX and XXXX to see that this statement is false and Midland has violated my consumer rights.
Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...
I was told by XXXX that the Credit Bureau has to remove negative information. 

There is an open XXXX account that does not belong to me. Recently, negative information re a {$29.00}. Past due amount was posted.
NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.
BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.
My name is being reported incorrectly- It should be XXXX XXXX XXXX .
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.