WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to resolve debit with XXXX XXXX XXXX, XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach. 

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.
PNC Bank has been charging overdraft fees illegally without any trigger from any transaction, causing my account to get overdrawn. Per the attachment, you will see in yellow the overdraft fees that have been charged which causes my account to be overdrawn but there are no transactions preceding the fees showing that such transactions should trigger overdraft fees. The ones circled in red are the transactions prior to the issuance of the overdraft fees and show positive balances on the account prior to issuing overdraft fees.
This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Uber Technologies Inc. is the parent company of Xchange Leasing LLC. XCHANGE LEASING LLC and XXXX have been and are reporting inaccurate information on my credit report. XCHANGE LEASING LLC and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. XCHANGE LEASING LLC and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and XCHANGE LEASING LLC asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and XCHANGE LEASING LLC of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor XCHANGE LEASING LLC have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX onXX/XX/XXXXXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XCHANGE LEASING LLC on XX/XX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : XCHANGE LEASING LLC Date : XX/XX/XXXX
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at Transunion, XXXX and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
XXXX reports my mortgage was in collection and charged off which is not correct. Equifax has not investigated this matter properly. XXXX can not show me or Equifax any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Equifax shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Equifax with loan details showing I was not in collection and there was no negativity on my account. Equifax could also review past credit files to see XXXX never reported me negative until XX/XX/XXXX/XX/XX/2015 which is one year after I paid off the loan. This is unethical.
All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
My home caught fire XX/XX/17 and the insurance company paid for the fire the insurance put the check in my name and the mortgage company name, I am 85 % done with repairs SPS is holding on to the reminder of the funds and I cant get done with my property until they release the reminder of the funds, they are tying to keep the balance. but with out the reminder I cant finish the property repairs. they are even trying to get the inspector to lie and say things that are not true they are stealing my funds, I have filed before and your agency is not helpful, you need to make them show proof of them no releaseing the balance of my funds in the matter. I need for the management of your company to follow through on this matter. because they are stealing my insurance money so I cant finish my property.
XXXX I DEPOSITED A XXXX PARTY CHECK ( {$1900.00} ) ENDORSED TO ME BY MY CLIENT, AS A PAYDOWNTOWARD MY LINE OF CREDIT ( L.O.C. ). I DEPOSITED THIS IN PERSON AT THE ABOVE BRANCH. TELLER DIDNOT TELL ME THAT BANK DOES NOT ACCEPT 3rd PARTY CHECKS AS L.O.C. PAYMENTS. BANK REVERSEDTHIS WITHOUT A NOTIFICATION. I INQUIRED WITH THE BANK ABOUT THE REVERSAL. THEY SAID THATTHEY MAILED THIS CHECK TO ME. AFTER A WEEK OF NOT RECIEVING THE CHECK, I CALLED THEM. THEYSAID THEY DO N'T KNOW WHAT HAPPENED. THEY WILL STOP THAT CHECK AND ISSUE ONE TO ME. IASKED THEM TO JUST ELECTRONICALLY FUND MY CHECKING ACCOUNT ( TO REPLACE THAT CHECK ) SINCE THERE IS AN ISSUE WITH MAILING. WHAT THEY DID WAS ELECTRONICALLY WITHDREW MONEYOUT OF MY CHECING ACCT. TO PAY MY L.O.C. I TOLD THEM THAT I CAN NOT LEAVE MY BUSINESS TOCHASE A CLIENT FOR ANOTHER PAYMENT. IT WAS CHASE 'S MISTAKE AND THEY SHOULD REMEDY THEIRMISTAKE. THEY REFUSED. I HAVE TRIED TO RESOLVE THIS WITH CHASE 'S L.O.C. DEPT., BRANCHMANAGERS XXXX XXXX XXXX AND XXXX XXXX XXXX, AND THE ESCALATON TEAM ( XXXX XXXX XXXX. 
XXXX XXXX XXXX. I WAS GIVEN CASE # XXXX. I CALL THEM EVERYDAY TILL TODAY AND GETONLY 'THERE IS NOTHING WE CAN DO. WE DO N'T KNOW WHAT HAPPENED. WE DO N'T ACCEPT 3rdPARTY CHECKS. ' ALL REFUSE TO PUT ANTYTHING IN WRITING. SO I HAVE TO EXPLAIN MY ISSUEEVERYDAY TO THEM. 
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
I Q Data International Inc dba XXXX  XXXX  has attempted to collect an alleged debt from me. I Q Data International Inc dba XXXX  XXXX   has placed negative information on my consumer reports and has caused me financial harm. I.Q Data International is not a licensed debt collector in my state ( State of Texas ) and has violated state statutes regarding debt collection.
Theres a levy on my account and the bank refused to remove it. The IRS contact my bank and told them to remove the levy. I cant use my account its in nagative {$1400.00}. Their playing games and giving me the run around. Please resolve this issue. My bank is Bank Of America and XXXX XXXX. I have been a member for several years.
In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.
We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.
I have had this loan since I purchase my home in XX/XX/XXXX. In order to pay this mortgage off faster I have been paying it weekly of the monthly amount divided by 4 plus additional amount towards principal ). Whenever the amounts of the weekly payment reaches the monthly amount due, the remainder in that month 's time is supposed to go immediately towards principal. Instead, in early XX/XX/XXXX the extra amounts had been sitting in suspense and not until I called them a dozen times did they start moving them over to pay down the principal. Not once did I get an apology OR any kind of retribution or reimbursement of interest. Finally it was corrected. Last month I called and increased the amount I would pay towards principal and all of a sudden the same exact thing is happening - the extra amount is sitting in suspense. I called them on XX/XX/XXXX and had to escalate 3 times until I spoke to a manager who promised to resolve this. IT STILL HAS NOT BEEN CORRECTED. What do I need to do to fix this? 
FYI : These are the following people that I have spoken to from the onset of this problem. 
XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, manager XX/XX/XXXX XXXX, customer service rep XX/XX/XXXXXXXX XXXX , Supervisor XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager
Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX  which is a former body before merging with Fifth Third bank. 
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. 
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. 
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. 
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX  at customer service. I'm at loss for this situation. 
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX  belong to the Fifth Third bank and what kind of situation is my account. 
Also, I searched my accounts in Unclaimed Money website, but nothing matched. 
I want to know what I should do to close my accounts of XXXX XXXX XXXX.
To Whom It May Concern, In May of this year ( on or about the XXXX ) we paid off the US Bank card in full. Shortly thereafter 3 charges to XXXX XXXX (? ) appeared on our account. For clarification, we do not know who or what XXXX XXXX is or maybe. I immediately contacted US Bank to file a fraud claim. US Bank wrongfully filed this as a charge dispute. I was quite certain that I stated that we did not ever purchase any items from XXXX XXXX at any time. That these charges where not correct. The representative assured me that the charges would be reversed and investigated. We canceled our credit card ( or so I thought ), and requested a replacement. 

On XXXX XXXX, I was checking our account and dismayed to learn the charges for XXXX XXXX had been reversed by US Bank. Again, I immediately contacted US Bank and spoke with a representative regarding these fraudulent charges. I was assured, that these charges had been mistakenly filed as disputes and he would correctly guide them to the XXXX department. Foolishly, I believed US Bank would handle this in a timely and professional manner. 

On Monday XX/XX/XXXX, I received three pieces of mail indicating that US Bank had reversed the charges on all three fraudulent claims and expected us to pay for items we did not purchase from a person or business we are not familiar with after reporting these charges initially as fraud to US Bank representatives. I also received a phone call from a US Bank representative ( XXXX ) claiming that he would guide these charges to the fraud department. Given the lack of competence demonstrated by US bank to this point, I am more than skeptical they will investigate these false debts and will still expect us to pay. We will not. Not now, not ever. I do not pay for other folks stealing our information and shopping at our expense. We followed appropriate protocol and US Bank, mishandled this from the start. 

One last item. The US Bank letters each state that their dispute investigation, describes how a sale works and how we presented our card etc. Neat trick, since we never visited XXXX XXXX did not leave XXXX to do so, nor purchase anything via the web from this individual/business (? ). For clarification, I will retain legal counsel if necessary. I would rather pay a shifty, sleazy lawyer than false charges on our account which were promptly identified and discussed with US bank at the initial time these charges where noticed on our paid in full credit card. There are two legal charges on that card as of the moment, onXXXX for {$70.00} ( XXXX ) and one for {$58.00} to the US Mint. These will be paid as we did make these purchases. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX. 
XXXX XXXX of card : XXXX XXXX. Two items : 1 ) I have filed this complaint with the Ohio XX/XX/XXXXOffice since I can not seem to file with the BBB. 
2 ) I am re-filing this complaint per an email from XXXX XXXX received XX/XX/XXXX ( Thread ID : XXXX ). 
3 ) As of today, I was notified by the AG 's office that this complaint was not in the purview. I was advised to contact The Consumer Financial Protection Bureau.
I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I opened a new credit card with Bank of America. I arranged autopayment ( what they call eBill ) immediately after opening the account. However, my first payment was not automatically paid. After rechecking the account, I saw a small note in the autopay process as follows : " Note : e-Bill initiated payments for this bill will not begin until the next billing cycle. Payments for this billing cycle must still be scheduled manually. '' While this text is clearly visible, it is not highlighted aggressively. Additionally, this behavior is entirely different from what a reasonable person would expect when establishing autopay immediately after opening a new line of credit. The result was that I faced a fee and interest charge. After contacting the company, the fee was waived but not the interest. This was done as a 'favor ' to me. I pushed, and the interest was then also waived, again as a 'favor '.
my identity was stolen in XXXX and several accounts have been opened using fraudulent addresses here are some of the addresses XXXX XXXX XXXX XXXX nc XXXX ... XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX .... I have been / mailing this company since XX/XX/XXXX trying to get this taken care of and telling them this account was fraudulent that have continued to report these accounts even after knowing they were from fraud accounts are XXXX / XXXX from diversified consultant
I had a loan modification in 2015 which was completed and my payments are now up to date and current, however they are being reported as 120/180 days late by Equifax which is incorrect. I have been 30 day late but not 120 or 180 days late since my modification of my mortgage. This information makes my mortgage history look worse than it actually is and when I tried to correct by sending my bank statements and cancelled checks it still was not updated to reflect correctly.
hello please for your help i have rquested XXXX to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on XXXX due to my girl freind can access it but i cant tested on several computers. 

Please inform XXXX who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX
I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.
My ex / children 's father stole my identity and opened a car loan with me as a couple signer against my wishes. I did not even know this account was on my credit report. They have it charged off and closed and it is not mine it needs to be totally removed.