WillisBack/dataset-financial-user-claim huggingface dataset:
Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX  and Experian. Experian and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. Recently they added the comment Credit line suspended collateral depreciation which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Experian and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Experian of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Experian have a 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 account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX.
BMO Harris Bank 's statement is calculating the credit ending balance incorrectly. On my XX/XX/XXXX bank statement, the previous balance is XXXX ( CR ), other credit for this period is XXXX ( CR ), however, the ending balance is only showing XXXX ( CR ) rather than the accurate amount of XXXX ( CR ). 

In addition, for the XX/XX/XXXX statement, it shows the purchase amount is XXXX, which exactly offset the credit amount I have been on the credit card, but it was never incurred. 

My statement is understated. I tried to contact BMO, but it takes forever to talk to a real person.
I received the following email from Capital which states " A purchase was charged to your account. ". I called to inform them that I did not authorize the two charges for {$150.00} and {$1.00} ( total {$150.00} ). I was told this was a pre- authorized charge by XXXX. I ask for a written explanation as to how someone other than me can authorize a charge on my account. I was told they do not provide written explanations. I then asked to talk to a supervisor ( waited 10 min ) for XXXX ( XXXX ) and he stated he could not provide a written response. I also contacted Capital One on line CHAT service and asked for the link to file a complaint. I was not given the link so I informed them I would file with https : //www.consumerfinance.gov/. <P/>NOTE : I am a XXXX - no XXXX XXXX XXXX XXXX A purchase was charged to your account. RE : Account ending in XXXX XXXX, As requested, were notifying you that on XX/XX/XXXX, at XXXX, a pending authorization or purchase in the amount of {$150.00}  was placed or charged on your Capital One VISA SIGNATURE account. <P/>Note : Youll receive this notification for both purchases and pending authorizations, such as car rentals, hotel reservations and gas purchases, even if an actual transaction hasnt taken place. <P/>Please visit your account to view your pending and posted transactions. <P/>Important Information from Capital One Contact Us | Privacy | Help Prevent Fraud To ensure delivery, add XXXX to your address book. <P/>This email was sent to XXXXXXXXXXXX and contains information directly related to your account with us, other services to which you have subscribed and/or any application you may have submitted. <P/>The site may be unavailable during normal maintenance or due to unforeseen circumstances. Please visit our Set Alerts page to modify your alerts subscription preferences. <P/>Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/contact. <P/>Products and services offered by the Capital One family of companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX., Members FDIC.
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XX/XX/XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
On XX/XX/18 {$4900.00} was taken out of my Wells Fargo Money Market Savings Acct to pay XXXX XXXX  TX as a Web Payment. On XX/XX/18 {$780.00} was taken out of my Money Market Savings Acct to pay XXXX XXXX XXXX   as a Chg. Pymt. On XX/XX/18 I notified the Wells Fargo Fraud dept. that these withdrawals were not initiated by me. I also went to notify my local branch in person regarding the fraud. Then on XX/XX/18 {$2700.00} was transferred online from my Savings account into my Checking acct. Also on XX/XX/18 {$6000.00} was transferred online from my Money Market Savings acct into my Checking acct. I again called Wells Fargo Fraud dept. to notify them these transfers were not initiated by me. I additionally went in to my local branch office and notified them. The Fraud dept. decided at this point to close all my accts and issue all new accts for my Checking acct and both Savings accts as well as my children 's Savings accts. They then stated there would be stops and holds placed on my accts! They stated there would be a 90 day grace period window for things to clear from my old checking acct? Then on XX/XX/18 {$9600.00} was withdrawn from my brand new Checking acct. to make a Bill pay to XXXX  Card Services?
i was paying cbe XXXX and i calledto pay less and they said no so stopped payment
Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.
XXXX ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER NATIONSTAR XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED
I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.
I have disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.
I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
I have two credit cards with Citibank, and I am concerned that the company is abusing their position to discriminate against companies engaged in lawful activities, and to enforce their own rules in violation of the US Constitution. Specifically, I am referring to the recent dictate that companies must conform to Citibank 's own narrow and biased set of rules regarding what is and is not allowable. Today, they are trying to enforce their views on gun ownership. What comes next? Will they demand that retailers stop selling soda becasue it leads to obesity? Or maybe specify that no one with a body mass index over their own ideal value can purchase soda. It is a ridiculous overreach, and it should be illegal for Citibank to usurp the responsibility of the state and federal legialative bodies.

I called Citibank to give them my feedback, but as one might expect, they did not care a whit about my opinion. I have started theprocess to move all my business away from them to other banks that respect the laws of the land.
I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX
After a terrible experiencing using the American Express ( AMEX ) Serve Card my account is closed. On XXXX/XXXX/XXXX AMEX sent me a letter [ CFPB ref No : XXXX Ref : XXXX ] stating for me to once again call their Customer Service Account Protection Services @ ( XXXX ) XXXX to obtain my account refund of {$450.00}. ( image attached ). 

I have contacted them over 5 times ( usual delays, and communication with their operations are horrible ), the most recent was on XXXX/XXXX/XXXX and I was told very clearly that in 48-hours my refund will be mailed to my confirmed address registered with AMEX. 

It is now XXXX/XXXX/XXXX and I have NOT received my account balance which AMEX owes me. 

I intend to pursue the collection of the money that AMEX owes me to the full extent of the law.
XXXX XXXX XXXX  canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
XXXX XXXX allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.
At approximately     XXXX   XXXX   on   XX/XX/XXXX  t wo unauthorized On Line Transfers occurred in the amount of {$500.00} each involving my son 's  Chase Savings  and Chase Bank 's College Account. Shortly thereafter an ATM withdrawal of {$500.00} took place @   XXXX   XXXX   XXXX    XXXX , Texas  XXXX . Due to the alert set up on the account both my son and his mother received a text notification of the activity. With an immediate phone call to each other it was determined the transactions were not done by either party and a call was then made to  Chase 's    Fraud department. A reversal and transfer back to his Savings  of {$500.00} took place that evening and the additional {$500.00} was transferred back to his Savings once it posted the next day    XX/XX/XXXX .   All appeared back to normal and a  Chase in vestigation began.     On   XX/XX/XXXX   a debit of {$500.00} was posted to my son 's  Chase College  Account due to a determination by Chase Bank that no inappropriate activity was discovered.     The problem with the  Chase 's  conclu sion involves my son 's location that evening which places him 5+ miles away ( 15 minute drive ) at the exact time the se transactions were done. He 's a  XXXX  at the University of  XXXX   XXXX  campus,  XXXX   XXXX   XXXX .  XXXX , Texas  XXXX  and he was at the campus library studying for upcoming finals the evening of   XX/XX/XXXX .  His mother, through the use of her " Find Friends '' I-Phone app verified his location immediately when they spoke at the time this matter occurred. The librarian can also verify his whereabouts due the sign in logs the university maintains for their internal records. Additionally his ATM card was in his possession at all times. No passwords and account information was shared with anyone along with that ATM location had never been used for any transaction at any time prior.      Chase 's claims a chip card was used, a password was inp  utted once and that ATM location had been used in the past. No other justification was given. I 've requested : 1 ) An IP address where the initial On Line Transfers ( 2x ) originated, 2 ) Video/Cam Photo of that ATM at the time the incident occurred. The fraud and escalation unit of Chase indicated I needed a court ordered subpoena for that information. In essence, my family needs to hire an attorney, pay court cost, miss work, miss school, provide witnesses to recover {$500.00} we never withdrew in the   first place.       Please HELP! I have encountered an attitude of arrogance and a " it 's not our problem '' attitude from Chase 's Fraud Division. It seems my request for proof is not of concern. Basically, I walk away with their conclusion ... " Your son took the money and he 's lying about it. '' I have been a client of Chase Bank for over 20+ years and I have never had an encounter such as this and additionally my son 's rearing, his character and morals makes me an advocate for his version of this situation.
Again Please Help!
We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.
When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.
We have paid several different companies ( XXXX in Florida took over {$600.00} out of our checking to assist us ) to help us get rid of these XXXX student loans. XXXX is in the name of Father and XXXX is in the name of Son. The Ombudsman with U. S. Dept. of Education informed us, that both of these loans were used for our Son, who experienced a motor vehicle accident ( XXXX ) and NEVER received a DEGREE of any kind from XXXX, LA. To this Day, we have on our Credit Reports both : 1 ) XXXX 120 days overdue ( but the bill I get has Amount Due XXXX ) and 2 ) Navient 120 days overdue. How is it, that WE now OWE both companies. 
These loans should have been forgiven, as Son does not work, and father is UNEMPLOYED. This agency needs to control XXXX XXXX and all Loan Servers. Many parents with children, who want to go to college, is not fooling anymore with XXXX XXXX, who only wants to ruin your credit, will not cooperate, and are quick to turn you to a collection agency. Due to this situation, WE can not STAND the STATE of PENNSYLVANIA.
The WA State Supreme Court Clerk refuse to Docket our reconsideration when we file within 30 days on XX/XX/XXXX  which was within thirty days that the WA RAP require.
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The Federal Rule In the landmark case of   XXXX   XXXX   XXXX   (   XXXX   )   XXXX   XXXX   XXXX  , the court announced that virtually all constitutional errors are subject to harmless error analysis. The sole exception to this rule are those errors which are termed " structural '' in nature. (   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX  . ) In order to qualify as a " structural '' error, a constitutional deprivation must affect " the framework within the Deed Of Trust Act.
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In its most recent discussion concerning structural error, the court suggested that some errors must necessarily be deemed reversible per se in light of the difficulty of assessing the effect of the error. [ Citations. ] ( United States v.  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX  , fn. 4. ) This category of cases includes the denial of a public trial.
My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}
I am sending a request for complain for my car loan because over the past months I have been making my regulatory payments,but my car loan has been charging me fees after fees. The credit sale contract was from XX/XX/XXXX-XX/XX/XXXX and I was suppose to finish paying off the car by the end of last year. They send me a notice of intent to repossess my car that if I don't pay by the amount of $XXXX by XX/XX/XXXX they will repossess the car out of the other amount of fees that add up to $XXXX. The name of the car bank is called Santander. If I've been making my payments and the car bank has been charging me fees over the past months I think it can be a fraud. I'll like for whoever reaches this complaint to investigate this issue.