WillisBack/dataset-financial-user-claim huggingface dataset:
Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.
Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.
Consumer justice : XXXX XXXX and Case Bank On XX/XX/18 I flew XXXX XXXX to XXXX AZ to visit my Uncle who was battling XXXX. At the airport I was approached by a representative of XXXX XXXX and Case bank - promised me XXXX points if I signed up for and was approved for their XXXX XXXX Visa card. Planning for the future when I would need to return, I agreed and signed up. I was approved - then they said " oh you don't get the points now, you have to spend {$2000.00} in the next 90 days to get the points ''. So I did that. In less than 60 days even I have spent more than {$2000.00} on their card ( for qualified purchases even ). As of XX/XX/2018 I have spent {$2000.00} Now they say " oh no you can't have the bonus NOW. You have to wait till the end of the billing cycle - which is XX/XX/XXXX. And even then it could take 6-8 weeks for the points to transfer.

My Uncle passed XX/XX/18 - the memorial will be XX/XX/18 I only signed up for the card so I could go back for the funeral. 
I talked for 6 hours to Chase ( Customer service Reps : XXXX and XXXX and Supervisors XXXX, XXXX and XXXX ) and XXXX XXXX ( CSR XXXX ). And while they assure me they are sorry for my loss - they will not honor the original agreement. They promised me XXXX travel points as a bonus for signing up. I did my part. They won't find or even look for another way to accomplish the same goal. 
All I have gotten are excuses and policy quotes. 

The will not accept responsibility for their representative and honor our agreement ( XXXX point for singing up and getting approved ) - even though I went beyond and met their " Extra '' requirement of spending.

I even found another version of the same program with lower conditions ( XXXX instead of XXXX reward points for spending {$1000.00} vs $ XXXX ). I did that within the first billing cycle. So they could just change me to the lower program and I would have met all the requirements and they could get me to XXXX. 

There is no help from either company. I can not afford {$700.00} in plane fare. 
The initial promise from the man who signed my up constitutes fraud - Why can people not just own up to their responsibility and do what they say? I don't care I just want to go to my Uncles funeral. 

Can you do anything to help get me to XXXX? The funeral is XX/XX/XXXX. 
Thank you in advance, XXXX XXXX
Equifax and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with Equifax, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information Equifax and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way Equifax had properly did their job.
PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.
I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.
Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.
I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.
I opened a merchant account for credit card processing. I was instructed to immediately start processing transactions via manual keyed input. During this time i was also contestant instructed to upload company ID and personal ID to verify the account. I did this and was told repeatably that i was approved and everything was verified. When i would try to access my money from their system to transfer to my already verified bank account, i was again met with i needed to resend ID 's for account verification. A pending transfer from Paypal account to my bank was put on hold during this time and then later reversed and the money was frozen and put on hold in their system. I continued to take credit card transaction payments and once again i was told my ID checked out and it would be 24 hrs for the back office to make a decision to release the funds. I tried to transfer another amount from my merchant Paypal account to my already verified bank account and was again met with i needed to verify my bank account and company ID along with personal verification.So this transaction was now stuck in pending mode with a restriction on my account due to to many manual keyed entries and no card swipes along with pending ID uploads again. I was doing this bc they instructed me to go ahead and key in the card numbers till my swiper arrived.When i would call customer service they told me the system was down and it would be 24 hours before i could reach anyone to look up my verification approval. At this point i asked for a legal department and dispute resolution officer. I was told that there was no way to get in contact with such departments and was told to try in 24 hrs again. I called once again the next morning as soon as they received calls at am and i voiced my growing concern about the repetitiveness of the ID verification and now 2 pending holds my money transfer. I was put on hold while the call center lady asked a senior supervisor to approve the ID 's and release the holds. She came back on a said yes your all approved and free to move around with no restrictions. However the funds availability would yet be another 24 hrs and she said rest assured sir we are working on it. 4 hours later my account was once again restricted and i was asked again for further company ID and personal verification and all my transactions had been suspended and all money was put on hold or pending transfer status until additional company and personal ID verification was complete. This cycle has contained to repeat itself daily and i'm always told 24 hrs. Today they said it was going to be 30 days now before any of my money was going to be available bc thats just the way it works with them. The representative stated that Paypal was just a mere middle man in merchant processing accounts and the third party that they used for the transaction payments would further delay the process of money acquisition.
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Earlier this fall Bank of America and one of its Vice  Presidents XXXX XXXX, of a branch in XXXX, Florida, undertook a concerted effort to injure me financially and inflict intentional mental anguish. This collusion of the personal and corporate to intentionally inflict demonstrable, tangible, and in some cases, irreparable harm towards me was and continues to this day to be in retaliation to my documented exposure of Bank of America 's non-compliance with certain key components of CFPB 's regulations. XXXX XXXX XXXX represented that she was there to help me and asked that I run ALL my Bank of America business through her because she had my best interests at heart. Not only will the facts show this documented assertion to be a fallacy, those same facts will demonstrate this was a conscience tactic of Bank of America to deceive me and make me act in contradiction of my best interests. The issue that first caused me to raise alarm officially towards Bank of America 's famously predatory business practices involved a key five day  window of protection a consumer is entitled to under Dodd-Frank and as promulgated by the CFPB following a deleterious claims decision. Bank of America was ignoring this and numerous other aspects of both general underpinnings of American consumer protection law and specific rules and regulations as delineated throughout federal and state banking code. There needed to be quick action at the time to protect the rights of not just me and my case but for an entire class of individuals in similar situations who were also being subjected to Bank of America 's actions or inaction. In a situation that necessitated an almost immediate remedy Bank of America and XXXX XXXX at first committed to an answer within few days - 'by the end of the week ' - yet instead took months upon months of unresponsive arrogance to produce what will be shown to be nothing more than voluminous and vapid subterfuge which while heavy on insignificant factoids lacked a cohesive response to Bank of America 's systemic non-compliance, the core of my complaint, or even answer simple questions raised throughout the process. In the complaint I filed last I alerted assorted entities including CFPB that it was my belief that Bank of America was retaliating against me for exposing their violations and non-compliance. Again Bank of America dragged its feet in providing a response until just recently when I received notification from Bank of America, with no explanation provided, that they were closing ALL my bank accounts including ones totally unrelated to the issues involved. Furthermore they indicated an intent to seize funds still in dispute. They did what a predator does when confronted by its abusive behavior, they ignore the accuser, and escalate the abuse. While the list of egregious injuries reigned down upon me for simply asking some questions is too large to discuss in this toothless forum, XXXX XXXX and Bank of America should take no solace in assuming this marks the end of these issues, their culpability, or the punitive consequences for their actions. Stay tuned.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have contacted Equifax Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting. The new laws installed XXXX XXXX, 2017 XXXX new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I have the problem with the bankruptcy criteria that has not been met with reporting it to Equifax. Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Equifax. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping. This is my second complaint. Equifax responded to my first complaint with an untrue statement, ( Company responded there is an unauthorized third party ). They use the statement as a stalling  device. During my disputes prior, they have sent me the same letter with this untrue statement. Every dispute or complaint I have submitted has my personal detail correctly documented on each form.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CAPITAL ONE AUTO FINANCING on XX/XX/2016 which l have no idea about it at all.
On multiple occasions, I have requested that Experian remove or " block from appearing '' a fraudulent account from XXXX XXXX XXXX. Per FCRA guidelines, this should have been blocked within 4 days because this is a situation of identity theft. I have sent them a police report, explanation of events, and proof of military service which showed I was a victim of identity theft while XXXX. They refuse to cooperate and remove the fraudulent item repeatedly. Experian shows an extreme neglect for the situation. I have gone as far as to have the police officer themselves call Experian to request the removal. They continue their refusal to comply. The fraudulent credit card from XXXX XXXX XXXX is causing me significant emotionally and economical damages and I will file suit as so if this is not immediately resolved. 

I have provided more than enough information and Experian not only refuses to cooperate, but they have not provided ANY documentation as requested that they properly investigated the fraudulent account. This is another violation.
after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with XXXX XXXX. An official dispute of this action was sent to XXXX XXXX XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with Sears/CBNA XX/XX/XXXX and the official dispute of this was sent to CBNA XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.
I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.
I just recently started getting calls from this company, when they call they do not identify the company they work for and they do not tell me what they are calling for they just say debt. I am at work when they call, I asked them on XX/XX/18 to cease calling me and to make all attempts to contact me cease. I have not gotten any letters for collections owed in the mail and i have lied here for 5 years. They keep calling me, repeatedly and I am now making this a formal request to cease contacting me, I will make complaints with the XXXX and the FTC if this keeps going on.
It started when someone asked me to use XXXX through wells Fargo, they asked me to send money to them this happen in XXXX it was for a sum of XXXX now wells Fargo said they can not refund my money it was fraud, they allow people to open accounts with no papers and then go into overdraft, I have tried to resolve this, they say they can not help me, I want my money back, plus I had another instance XXXX they will not reimburse this is bad on their part they are supposed to help customers with problems and scam not go against them and not refund money, this is a bad practice they are allowing illegal people to scam people then open accounts take your money then the bank can not refund you, this is wrong, I want someone to handle this, I just had XXXX lost money and this is the way the bank treats customers
I was involved in a boating accident on XX/XX/2018. The boat sank and I very nearly drowned. The severity of the acciddently should have killed me instantly, but I miraculously survived despite incurring severe mental and physical trauma. Since then I have been in hospitals undergoing procedures and treatments ranging from physical injuries to XXXX XXXX XXXX XXXX. During this time I was physically and mentally unable to tend to my finances, so all deposits went to my XXXX checking account and all withdrawals came out of my bank of America checking account which overdrew the bofa account many times over accruing nearly {$400.00} in overdraft fees. 

I spoke to three levels of supervisors for nearly 2 hours explaining my situation, transferred enough funds to bofa to cover the overdraft, but the bank will only waive {$140.00} fees, and they have held my deposit as pending for several days causing even more overdraft fees to occur. These people are in human, I nearly died ... .and they are penalizing me for it. Please help, my medical expenses are continuing and I can not pay these penalties.
The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.
Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect.
Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX   has removed 22 accounts, but Transunion states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.