WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {$10000.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5100.00} XX/XX/2016 USAA XXXX {$5000.00} XX/XX/2016 USAA SAV-XXXX {$5000.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.
today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,
This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. 

Specifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. 

We are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. 

We are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. 

Our goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. 

The Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security " code word '' and initiated Voice Print identification to our accounts. 

Any further suggestions for additional actions we can take toward protecting ourselves would be appreciated. 

Thank you so much for your good work.
I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.
XXXX XXXX posted a 30 day late on my credit report for Experian, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.
i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX
On my Equifax credit bureau report, there is a " hard '' inquiry listed by XXXX/XXXX  that is outdated. 

I have contacted both Equifax and XXXX in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.
In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.
i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.
I was charged {$200.00} in overdraft fees illegally. I have attached copies of the banks check cashing policy where the first {$250.00} of each check is available the same business day as long as it is deposited before XXXX. I deposited this in the time outlined in the policy and am being charged for XXXX completed transactions based on this incorrect use of overdraft fees.
I found the house I wanted on or around XX/XX/XXXX. Signed contracts to close XX/XX/XXXX. For a FHA 203 ( k ) loan. XXXX XXXX of Advisors mortgage group LLc was my mortgage officer. He told me that he could have everything ready in 60 days, that is why we set the date to XX/XX/XXXX. Within those 60 day I was to get the house inspected ( on my choosing ) and get a contractors estimate. In order for me to have the house inspecected I had to have the OK from HUD and turn the utilities on. Between the inspection, turning utilities on, and getting the ok from HUD it took about 2 weeks. After that I was to get a contractors estimate. The first contractor took a whil and I decided against him. The second XXXX was great and we decided to go with him. This whole process took ablit 40 days. Which would leave XXXX 20 days to finish the loan. Only problem is, he never started the loan itself. He did n't even have the application started. Now moving forward he said he. Needed another 60 days to do the loan. Which was {$370.00} for each 15 day extension. Coming down to the end of the process. He informs me I have to pay for another FHA inspection ( {$800.00} ) and an appraisal of the home ( completed value ) ( {$400.00} ). All of which I believe advisors should have paid for. The appraisal took a while to get in, and I was waiting on the value of the home to decide if I wanted to. Change the bathroom to add more value to it. After The appraisal came in I decided to ask XXXX if I could add {$10000.00} worth of work to the home he said that would be no problem. I added the work and finalizing contracts were to be signed. XXXX also faild to gather my employment history completely until the last minute they sent my employer a worksheet to fill out. Now the loan is suspended and I can not show sufficient funds in my account because I have been paying for all of these extensions ; while trying to pay my own rent and bills. I talked to the heads of ADVISORS MORTGAGE rehabilitation department and they also told me my qualifications were great and I should have no problems ( XXXX XXXX ). All of a sudden I have to make changes to the repairs I was told I could do. While being expected to pay for another extension. I knew buying my first house would not be a easy task, but this has been one of the worst experiences of my life. The stress and frustration that I have experienced from people who were supposed to be there to guide me and help me through this experience was the worst display of professionalism I have ever seen.
In XX/XX/2017 I reached a settlement with a law firm D Scott Carruthers representing XXXX to settle my account for {$7500.00} and remove the negative items on my credit report. I attached the settlement emails and the verification of my completion of the terms. I specifically ran my credit report prior and included in the exhibits so there was no confusion. Unfortunately, they did not remove my negative items. I repeatedly called and emailed both the law firm and cash call to remove and even tried to submit to the Credit Reporting Agencies with no success.
transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed
Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.
This collector called me twice but never sent me anything in writing letting me know how to pay my debt or giving me the right to dispute. An email was sent to me on XX/XX/2016 and that is the only communication I have had with them in writing. They have filed this collection on my credit report. This has had a negative impact on my credit score that I have worked so hard to build and I believe they should rectify the situation and take this off of my credit report. When we spoke on the phone, I was told that the originator creditor did not have my current address and instead of trying to receive it, they turned me into collections. This was very unnecessary considering I had my child at the XXXX hospital and ever though the creditor and hospital are XXXX separate entities, they could have exercised due diligence and found my current information without messing up my credit.
Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.
I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.      XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .       XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  experian   XXXX   XXXX     XXXX   XXXX  ,  XXXX  experian  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX  NA  XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian
Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? 
Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. 
A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!
1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?
In  XXXX    XXXX   my husband 's employer  XXXX  went on strike at which time paying our mortgage became difficult.We were offered a forbearance program through  wells Fargo  in which we would make reduced payments for 6 months and then apply for permanent modification at end.We made all payments on time when it came time for modification everything requested was sent in and then modification was denied saying we could afford payments.We can afford payment however they requested.the arrears of mortgage payments up front and we did not have  XXXX   XXXX  dollars so they sent a foreclosure notice with only thing offered being short sale or deed in.lieu.This has been our home for  32 yrs so we went to our local bank to refinance only to be denied because wells Fargo had reported our mortgage delinquent since beginning of forbearance.Now no one will   finance us with a  XXXX   credit score and  we can not even qualify for a home equity line to save our home even though we have  XXXX  in equity.So we will be losing our home if no one will help us!