WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity theft and I have sent numerous letters, copies of personal identification information and police reports in regards to someone stealing my identity and opening up a checking account with TCF Bank. TCF Bank has not removed or cleared my name from the fraudulent checking accounts that was opened at TCF bank by someone who stole my identity.
XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, Experian, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.
It started in XX/XX/XXXX when I accidentally paid through the wrong account number. An account that I never used before. I called right away and they claim they never got that money and therefor couldnt apply it to the correct account. Every since then, every single month I pay on time but they dont apply it for weeks after the due date sometimes months. XX/XX/XXXXevery single month this happened to where now they say Im overdue three months in a row but I always pay on time if not early. I dont know what they are doing with the checks and why they dont process them immediately. In XX/XX/XXXX I sent a check for {$1000.00} and its not XX/XX/XXXX and they havent received it but my bank verified that I wear sent. Why would my bank continually prove payment was sent but the credit card company does not. Huh? I called many times to ask assistance as to why this keeps happening but they will not work with me to figure it out. I shouldnt owe this much as I always pay. This is capital one by the way
I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you,
Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . 
Please remove them from my credit report. 
Thank you!
Equifax just responded to my complaint about numerouse hard inquiries that are not true. Ive called these people just as equifax advised and have been told they did not report any thing about me that I need to contact equifax who will not acknowledge I am me. the cfpa site is my only means of contacting equifax. Even though supposed inquiring company has no record of these inquiries Equifax is holding firm that there imaginary records are factual and that Im mistaken. Im getting nowere. I really dont want to get a lawyer or file in small claims court as Im terminally ill. Equifaxes identifying info about my birthdate and other identifing info is also incorrect as well as the fact they have multiple files on me for some reason. I was also part of there data breach and Equifax feels its resonable to demand I provide Drivers license, S.S. card, Birth Certificate when they have already given my info to supposed hackers. I also find it supiciouse that equifaxes version of life lock came out near the time of there breach. Awfully convienient if you ask me. How do I get resonable reply from equifax? I want to see these applications for credit and what is making them believe I have applied for XXXX cards automobiles, etc. Please show me were Ive done any of this. Also companies are telling me that they have nothing to do with these inquiries. Cant we have a conference call so everybody can verify Equifax has some how generated things out of thin air.
1. On XX/XX/XXXX called and held on for at least 25 =minutes. Then tried their on line system then showed 2 wrong telephone numbers., therefore, could not access account information.
2. on XX/XX/XXXX I called and held on for 25 minutes then gave up.
They changed there on line system with the correct last 4 digits of my phone number.
Answered yes and received a 5 digit code. The code did not work.
3. I am concerned that XXXX breach might have allowed someone to steal my large CD.
On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.
My wife received a call from Ascension Point of XXXX XXXX, MN. My wife was told by a XXXX XXXX that they were attempting to collect a debit of my mother who has just passed. My wife took the contact information for Ms. XXXX ( phone : XXXX ext : XXXX ) and explained she would pass the information on to me. We live out of the state my mother lived in and her estate has not yet gone through probate, the route I believe the claim should be made.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.
In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.
Hi 1.Working wiht chase back from XXXX from XXXX to XXXX Naver have any late and all ok the first lan i have wiht them - XXXX XXXX/XXXX/XXXX to XXXX/XXXX/XXXX on XXXX XXXX the add a escord accound to my load wiht outlet me know and loan amount change and a ad on opsino to pay it online i call them to fix thesee the fix and i can go onile to pay new i try and it not working so i send them chcek fot the pay met for XXXX on XXXX and XXXX on XXXX the XXXX mail back to me bace on the address the have on file i incorect and strat send letter like crazze the my address is in corect and i didnot get it if my address is incorect who to i get the latter from the i see they is no one to talk over the so i ask them to get the pay off amount to pay all the ballance in full befor the end on the yr and cloce the acound thay agry to send my the pay off XXXX XXXX remove the 60 day late fee from my credit report .i never get any ting from the and now i have 30 late on credit report from XXXX AND XXXX on XXXX & XXXX i call them to to fine out they see my addraasss cnage and thay sold my mogrege to new copany. i contact the new compay to all in full, SO now they only probelm I have wiht them is to remove all my late charge from my report and close XXXX thay never remove any late free and never cloce the accoud aftre the get ALL the XXXX. i need help ... 
DISPUTE GUIDE XXXX
I have contacted EXPERIAN bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX    TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EXPERIAN AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX
On XX/XX/XXXX i made a payment of {$2700.00} to my Barclay master card which was the balance due at the time ... on XX/XX/XXXX the funds were deducted from my bank account and i received an email from Barclay stating my payment have been received. On today XX/XX/XXXX i checked my account online to find out the payment has not been credited to my account and that there was a hold on my payment. I called the customer service # and the automotive system acknowledged the payment but also reflect that the available credit does not reflect that payment being applied. I spoke to rep XXXX ( said couldn't give last name ) but his employee ID # is XXXX advised me that there was a hold on my payment and said it wouldn't be lifted until XX/XX/XXXX or XX/XX/XXXX. I asked XXXX the reason for the payment hold his response was because it was an unusual amount and it was also based on the method of payment and my bank is the one that issued the hold. I asked XXXX why would my bank issue a hold when they have already released the funds and never contacted me to confirm the transaction. I offered to fax over my bank statement showing the funds have actually cleared ( not pending ). He stated it would still not be resolved until XX/XX/XXXX or XX/XX/XXXX. I pay the same way every using the same account so it shouldn't have been an issue with my bank. I then questioned the response he made about the method that was used i advised him that Barclay uses ACH so they wouldn't have gotten the money if the funds weren't available. He then responded that the hold would not be released until XX/XX/XXXX or XX/XX/XXXXand if that was ok ( he was trying to get me off the phone at that point ) I told him no and asked would this have been a problem if i wouldn't have paid off the statement and why was it a problem for me to pay what was owed. He then stated he would try to see if he could have the hold removed now and placed me on hold. Once he came back to the line he stated he was able to have the hold removed and i will see the credit on my account by XX/XX/XXXX by XXXX est.
I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.
I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.
At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status
In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light.
I went to the companys ATM and withdraws some money and the ATM forwarded me {$300.00} that I didnt have and I did not have overdraft.I paid them and they will not remove me from the Early Warning list.After a long dispute with them.
On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.
Called to complain about a fraudulent service I received. The credit company reimbursed my credit card and said they would look into my claim. 2 months later I seen on my statement that I was charged again for the original fraudulent amount. 
I called the credit card company and they told me that since they did n't receive a letter from me about my claim that they closed the dispute and charged me the full amount. I told them I never received the letter since I am retired and have been on vacation for 2 months. Capital One told me no problem, they would reopen the case and send me another letter. 6 weeks later I talk to the Capitol One and they tell me that they can not reopen my dispute!! Since I originally did n't mail them the letter ( that I never received ) they ca n't reopen the dispute. I said why did n't you tell me that 6 weeks ago!!
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.
Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment.
ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. 

XX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. 

XX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  coworker. I informed again, DO NOT CALL. 

XX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.