WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I found out I was reported to a company called Chex Systems. I reached out to chex systems and at that time chex systems sent a report to my home address. I also made chex systems aware that I am a victim of Idenity theft and fraud. On XX/XX/2018 i filed a dispute with chex systems because there were two accounts that i did not open up from XXXX XXXX as well as XXXX XXXX XXXX. Chex systems sent me out another report stating my information was verified as accurate with XXXX XXXX XXXX and had a signature card attached with no signature on it. On XX/XX/XXXX I sent a detailed letter which was certified to chex systems requesting a copie of signed documents provided by the bank. I also requested the full names, addresses, and direct numbers for each indiviual that chex systems contacted in the course of the investigation. I advised them that verbal confirmation does not suffice as proof of validation. On XX/XX/XXXX Chex systems sent a letter stating the investigation for XXXX XXXX was still in dispute, which put the dispute well pass 30 days, especially when I filed the dispute XX/XX/2018. In this letter Chex system also stated that " If requested by me, chexsystems will provide you with a description of the procedure used to determine the accuracy of the disputed informatin in your file. '' which this is what I requested on XX/XX/XXXX via a certified letter. So Chex sytems has violated my consumer rights in two ways. They are reporting inaccurate fradulaent information from XXXX XXXX XXXX, and two not removing fradulent information that is being reported because they failed to verify my information within 30 days. It has now been well past 60 days from the date i initially filed my dispute.
Online Information Services Inc XXXX XXXX  XXXX XXXX NC XXXX Business failed to respond to collection letters required by law. They will not remove accounts from the credit agencies. I checked my credit report and found this organization placed a collection account on my report. I contacted the organization on XX/XX/XXXX regarding this issue and asked the send me their initial letter to collect a debt. I found the information they provided to be incorrect. On XX/XX/XXXX I sent a certified letter of dispute asking verification of debt. This letter was sent with a signed receipt. After 30 days past, there was no response from this organization. They are required to provide verification of debt within 5 days and a response with 30 days according to Fair Debt Collection Practices Act ( FDCAP ) as outlined in 15 U.S.C. 1692 (  outlined in my letter I sent them ). Because no response was received, I sent another certified letter with delivery receipt on XX/XX/XXXX demanding the remove the information from my credit report and consider this matter closed. In this communication I also provided a copy of the original letter sent. There has been no contact from this organization and they fail to respond to my written contact per the FDCAP. They also have not removed the account from my credit report. I am seeking resolution here before I file in small claims court.
XX/XX/XXXX a online fraudulent charge of {$1900.00} was on my Citibank credit card, I called the credit card company Citibank and on XX/XX/XXXX a refund was given for the fraud charge. I have the card card in my possession. In XX/XX/XXXX I noticed the charge back on my credit card. I contacted the credit card company Citibank In XXXX, they said they sent out a form that was supposed to be filled out & mail back. I never received the form in the mail & I never received a phone call to let me know about the situation. I was told that the fraud charge would be looked into & the charge should be refunded. XX/XX/XXXX I called back Citibank and after several customer service representatives came in touch with XXXX XXXX a supervisor. He stated that the only thing he could do was to send out an email to security dept and wait 7 to 10 days for feedback, He would not let me contact somebody in that department & he said he could not contact somebody to talk to either to get fraud situation resolved, he could only send out an email to look into the fraud further. On XX/XX/XXXX I filed a police report with local police dept, On XX/XX/XXXX I filed a fraud report to the Federal Trade Commission. I also sent a copy of the report to Citibank 's executive branch by email due to the bad customer service. ( XXXX XXXX Senior Vice President Customer Experience, XXXX XXXXXXXX XXXX Chief Executive Officer, North America, Chief Executive Officer, Citibank, Chief Executive XXXX XXXX XXXX Chief Executive Officer. I have received a voicemail from their executive response unit personnel XXXX, voicemail said she will follow up on my issue in writing or by a phone call. As of XX/XX/XXXX after leaving a voicemail and calling several times she has not given me a response back. On XX/XX/XXXX I again contacted the credit card company after the charge was still on my account. Customer service personnel XXXX talked to security dept & stated back to me that they will not look into the Fraud & will not refund the fraud charge.

The fraud information that Citibank & I have shows the fraud purchase from somebody with NOT my name, the fraud purchase shows an email address that is NOT my email address. The Fraud package has a XXXX tracking number. XXXX shows it was NEVER delivered to my address, but delivered to a XXXX access point at a store. The fraudulent person never picked up the package so XXXX sent the package back to the merchant, XXXX shows proof of delivery with signature of the package by the merchant " XXXX '' at their dock. I have also filed a credit fraud alert on my credit report. I have also filed fraud on the Citibank credit card with the credit bureaus and waiting a response back from Citibank. Today XX/XX/XXXX I am filing a consumer complaint.
I was a day away from closing escrow, when my realtor alerted me that some company by the name of XXXX XXXX XXXX XXXX XXXX has placed a possibly fraudulent assignment on the title of my house at XXXX XXXX XXXX in XXXX XXXX ca XXXX, on or around XX/XX/2017 right around the time that my current lender re -branded itself as MRCooper   because of several pending lawsuits against them. 
It has been over a week that I have been trying to find answers from Mrcooper to try to remedy the cloud on my title and they keep on giving me the run around! 
I found out that Nationstar might have gotten a hold of my subprime mortgage from a know predatory lender ( XXXX XXXX XXXX ) as a part of an illegal loan modification performed by the now jailed attorney doing business in XXXX  and XXXX ca DBA XXXX XXXX XXXX.I urge you to investigate this matter further as I will for sure be loosing my buyer! 
Thanks.
Hello on XX/XX/2019, I was alerted by My Fico credit monitoring service that someone authorized an inquiry on my Experian report. I did not authorize this. I would like this removed as soon as possible. it was with XXXX on XX/XX/2019. I would like this resolved as quick as possible. there address is XXXX XXXX   XXXX XXXX XXXX XXXX, MN XXXX contact is XXXX. Thank you.
On XXXX XXXX 2017 XXXX sold me XXXX Bitcoin Cash ( BCH ) at an fraudulent/unfair price of {$6000.00}. I then proceeded to sell the XXXXBCH at {$9500.00}, only to have my sell order rejected because they shut down the exchange due to a computer glitch on their behalf. I lost out on a sale of about {$100000.00}. I came back the next day to find the price crashed down and not able to sell. Because of their computer malfunction, I decided to hold off on any trading on the account until the issue was resolved. I have not received any sort of response from them, and they 've hung up the phone the one time I was able to get through to customer support. Because of this, it caused me to lose out on an Ethereum position that should be equal to XXXXeth not to mention time, energy, and money spent trying to resolve the issue.
There are accounts showing on my Experian report that I contacted them needs to be removed. The accounts were paid and per the creditors they agreed to remove from my credit agencies. XXXX and XXXX have removed them. However, Experian has an issue either removing or updating my information. These old outdated claims that were settled and paid need to be removed. 

They have the habit of removing accounts that are in positive status that need to be on my account. It took me almost 6 months to have the add an account they deleted in error to be added back on. What is wrong with this company keeping information accurate and removing what should not be there???
On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX   {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
I applied for American Express XXXX XXXX XXXX card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Membership Rewards points after spending {$3000.00} in 3 months. I called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative ). Also, I called after approval to double check the terms and again was told I 'm eligible. After I spent {$3000.00} I saw XXXX points pending, but after a while they disappeared. After another 2 calls to Amex in XXXX XXXX and XXXX XXXX, I was told that it takes 6-8 weeks for points to post, but they are coming. 

I just got off the phone with Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product back in XXXX and now all personal Amex credit cards have once in a lifetime signup bonuses. 

This was the first time I was informed I was n't eligible. I repeat before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading in making me spend the required amount ( {$3000.00} ), paying annual fee ( {$470.00} ) upfront, and only then pulling the rug from under me. 

I request Amex credits my account with XXXX points are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I sign up b ) at least 3 calls after I signed up. 

I conservatively value XXXX Amex XXXX point at XXXX cents, so XXXX XXXX points is {$1500.00}. 
Sincerely, XXXX XXXX
I had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.
I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO  INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.
I am exhausted with the difficulty in which having erroneous information deleted form my account has been. My wife and I are purchasing a home and this incorrect information remains on my Experian credit report. XXXX blames Experian and Experian blames XXXX. The erroneous account has been deleted from my XXXX and XXXX report but remains on my Experian report. I have a latter from XXXX ( attached ) requesting the deletion from my credit report. 

I have made online requests, written requests and requests by certified mail. 

The item listed by XXXX XXXX is inaccurate because this is not my XXXX account. My identity was compromised and the account was opened, without my knowledge or permission. The account was used to purchase and to use a phone that the identity thief had shipped and billed to his address. This address had been listed on my credit report as mine until it was recently removed. As soon as I was made aware of the situation by XXXX, I paid the account because XXXX indicated this was the fastest course of action. 

I have attempted work with XXXX XXXX to resolve this situation and I have paid the account to resolve it as well. This has become an impossible situation to resolve with XXXX or with Experian. Here is a summary of the facts : -The XXXX XXXX account listed IS NOT MINE. 
-I have exhausted everything I can do with XXXX XXXX to resolve this including : +I have disputed this with XXXX and Experian in writing and they have verified in writing that this should be disputed. ( See attached ) +Experian has made multiple attempts to verify with XXXX with no success to verify the letter. 
+I have made multiple calls to XXXX Executive offices and they will no longer assist or verify. 
-There is a letter attached requesting the information be deleted and yet the information remains. Experian has called XXXX multiple times to verify the letter and they can not get anyone to help them including the Executive Office and Account Recovery. 

I need some additional help in order to get this deleted from my Experian credit report.
Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.
I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.
I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended. 

On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on  XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there. 

The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance. 

I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.
During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of {$74.00} a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My {$74.00} payment has never been late, but Citi has been reporting my account as late for the last 30 months.
In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.
In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account