WillisBack/dataset-financial-user-claim huggingface dataset:
My {$14000.00} credit card account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. Letter stated that they relied on information obtained from XXXX XXXX XXXX XXXX ( later I would be informed that it was due to inactivity, once I called the company - verbally! ). Upon contacting Equifax I was informed that the information that they have in relation to my credit report profile, did not match the reasons listed on the XXXX XXXX XXXX letter, particularly references to insufficient length of credit history, number of accounts with delinquency. Also informed by Equifax Representative named XXXX XXXX ID XXXX, that there was another individual with the middle name Summers ( my maiden name ), with my same first and last name, XXXX. XXXX explained that this may be the cause of any credit reporting errors that may be taking place. XXXX then informed me that he will contact XXXX XXXX XXXX to notify them of this and to say that account should not have been closed based on stated reasons in letter ( or something to that effect ). I was provided with confirmation number XXXX. Ultimately I was informed by the Equifax representative that XXXX XXXX XXXX also included this entry in my credit file : Affected by Natural or Declared a Disaster. 

30 days later I checked the status for XXXX by calling Equifax, at ( XXXX ) XXXX. The automated service informed me that the dispute has been completed, and that a letter was mailed out to me on XX/XX/XXXX. I was also instructed to check the status online. Upon checking the status on line, the dispute was still in Pending status. I placed another call to Equifax, only to be completely confused by being either told that the dispute was still pending, to the dispute being completed, with the later claiming that XXXX XXXXXXXX XXXX response was 'Yes, the account does belong to me ' ( or something to that effect ). Obviously this had nothing to do with the inquiry! Therefore I had to file another dispute with Equifax, confirmation no. XXXX to basically start the process all over again. This time I spoke to a representative named XXXX, who ensured me that the correct dispute notes would be entered this time. 

I then called later in the day and spoke to a supervisor, named XXXX in the XXXX XXXX division to inform he that I was not satisfied with how the first dispute request was handled ( or not handled ), and that I did not appreciate having to wait for another 30 days. Further, with regards to my dispute, XXXX informed me that they were only relying on the information that XXXX XXXX XXXX sent to them as it relates to my credit profile, and although they have sent out another dispute on my behalf that I may want to take this up with XXXX XXXX XXXX again. Well I am tired of going back and forth on this matter between the 2 entities involved, and I don't think I should have to! At this point I also want I may need to explore if there were any FCRA violations as it relates to this entire issue!
On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender. 

The address on my credit report showed as XXXX XXXX XXXX  in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted. 

More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs. 
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
I had XXXX accounts with synchrony bank. I did not owe them any money. When I claimed bankruptcy, they automatically closed my XXXX accounts because my name was pulled from a database. I am trying to buy a home, now, and these XXXX accounts are showing up on my credit report erroneously. They show that they were filed under bankruptcy, which is totally untrue.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
A wire was sent to Coinbase, Inc on XX/XX/XXXX. Contacted XXXX XXXX ( Coinbase 's Bank ) they received wire on XX/XX/XXXX in the amount of {$15000.00}. I have yet to receive my funds on my coin base account today being XX/XX/XXXX. I have sent over 25 emails and have n't received any response but automated responses. Emails sent to XXXX and XXXX.
Continue to receive robo calls from a company named Navient they claim to be a student loan servicing company. Numerous times they have pretended to be Doctors, Attorneys, and law enforcement officers. To collect private and personal information such as : ( date of birth, social security number, old account numbers, income, etc ) Information they do not have and can only acquire through false pretenses.My number is on the do not call list, I do not owe a student loan debt with Navient, or any of their service providers. I've sent cease & desist letters to their company, blocked their many numbers, some of these numbers they're calling from are XXXX hotline numbers during XXXX hours. I will be filing a harassment lawsuit against this company for fraud.
This is my 7th complaint about Bank Of America! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!
I was out of the country for work, and when I returned I learned that my account was delinquent because our auto pay was not set up correctly. We immediately paid the account current, and have since paid the account off. These late payments were reported to the credit bureaus and they dropped my credit scores by  XXXX  to  XXXX  points. This is very damaging as we are in the process of building a house and now I wo n't qualify due to  credit score . I have called many times asking for a good will removal of the late payments. I have even sent the attached letter. Please help my family.
Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
I closed on my house XX/XX/XXXX. On XX/XX/XXXX I was contacted by a loan officer from the mortgage company that my closing lender shuffled me off to. He told me all kinds of great things like skipping 2 months mortgage, saying I would get back XXXX dollars, and pay XXXX which would be added to the end of my loan. This is the deal I consented to and signed on XX/XX/XXXX. Then I was told " Trump changed the rules on IRRRLs '' ( so far as I can find he did not ) and we had to wait till XX/XX/XXXX. Well on XX/XX/XXXX they sent me another loan estimate. This one was me paying them XXXX in closing costs at the end of my loan, and XXXX in cash at close from me. I suspect they didn't think I would read it because when confronted they said it was a mistake, and they would fix. ( It was a clear bait and switch ) but now instead of XX/XX/XXXX it was XX/XX/XXXX ( Trump changed the rules again they said ) I asked him how sure he was this time that It would close on the XX/XX/XXXX because I was going to budget that month without the mortgage payment needed. He said mortgage payments aren't late till after 30 days so If I just cancel the auto pay it would be fine. Now as of XX/XX/XXXX I got another new closing disclosure. This one saying XXXX in closing costs and XXXX in cash to close. ( another bait and switch ) After playing phone tag ( They ignored my emails for 3 days until I called them out on it ) Now apparently an IRRRL requires another appraisal ( not according to XXXX XXXX XXXX ) and they have to get cash to close. If this isn't illegal it is at the very least immoral and unethical buisness practice.
Ive contacted Experian through the US mail to dispute XXXX XXXX XXXX XXXX account that is reporting on my credit report several times. After each investigation, I received a correspondences letter that read they verified the information as correct. I then proceeded to request copies of the documentation they have used to verify the information, specifically the contract, note or other instrument bearing my signature that was used to verify that I had a contract with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian did not provide any of this documentation that the law states they have to provide but only sent a letter that I received XXXX/XXXX/XXXX. This letter stated they would not reinvestigate this account. Again, per my last letter that was sent certified US mail on XXXX/XXXX/XXXX with tracking XXXX I specifically asked to provide proof of this alleged item with the instrument bearing my signature and nothing was ever provided.
In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched
I called my credit card company to add my husband on my XXXX as an authorized user and not a co-owner. The credit card company refused because I would not give them his social security number. I offered any other find of proof and they still refused. I informed them that under The Fair Credit Reporting Act it was unlawful to deny my request. Their supervisor, XXXX XXXX XXXX # XXXX still refused. Can you help me?
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is  informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
I applied for HAMP loan modification XX/XX/XXXX. As of XX/XX/XXXX, I still have no decision regarding the modification. In fact, my application is n't even considered complete, as they are once again requesting another new document. I have been very timely returning their requested info, but SPS keeps asking for new Docs. each of these new requests for documentation is to support other previously submitted documents which support the information I provided on my application. The different requests I believe are not informational, but rather a delaying tactic. More frustrating is the fact that I have been told half a dozen times that the underwriters have what they need to make a decision, only to have them request another more obscure document. Dealing with customer service reps has been troubling since it is a different representative every time, so I 've had to answer the same questions over again and again, months apart, and the information they often ask for was included on the initial application. I do not feel this company is operating honestly or competently.
hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me
Over the past couple months my Bank of America checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now?
Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving
I signed up for all three reports and only received XXXX Report. I did not receive Transunion nor XXXX Report. In addition, I have no lateness on any of my accounts but am being low balled with a credit score of XXXX from Transunion and XXXX. I can see the Transunion Score through XXXX XXXX XXXX Website only. XXXX shows a fair score when I requested the free credit report. I do not understand how these people can damage good people 's credit and then deny my free credit report. I need my credit score fixed.
By the amount of {$3400.00} dollars my credit was used unlawfully by someone using a XXXX credit card approximately on the month of XX/XX/2018. 

On the day XX/XX/2018 I got my credit history and I found the problem. 

Please take action on this matter please.
I always paid my Citi Card online and opted out of paper statements. About three weeks ago my online payment option was NOT available to me. It said " service not available '' when I clicked Payment option. I got a late fee XX/XX/XXXX and was due for another late fee in XX/XX/XXXX. I called CITI CARD at XXXX. I asked them to get rid of my late fee. They told me they had NO idea why my payment option did n't work. They refused. I said cancel the card. They bumped me to a manager. She also did n't waive my fee or assist me. Said I would have to call tech support. I said cancel my card and pass me to tech support. She was rude and cancelled my account. After she cancelled I refreshed my browser and all of a SUDDEN MY PAYMENT OPTION WORKED. I paid off my balance and the payment went through. I was SCAMMED by CITI CARD. It was a XXXX. I had the account for 7 years. I was scammed by CITI.
While employed at Bank of America, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Bank of America on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a " maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Bank of America Health Benefit Solutions, where a representative told me that my HSA status migrated from " Group '' to " Individual '' when I was fired, and as an " Individual '' I was subject to this {$4.00} per month " maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been " active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.
0n XX/XX/XXXX I try to use my debt card and the charge was declined {$21.00} My balance in my Chase Checking Account {$3900.00}. My balance in my savings account is {$54000.00}. I went to the bank location on XXXX XXXX XXXX I went to deposit a check I received from services rendered I am self employed. The teller stamp back of the check with FOR Deposit Chase Bank Bank and then teller received an error message on my account. My account was restricted. A Manager ( XXXX XXXX XXXXXXXX ) said it had to be some type of error since I have been a great customer for many years Never had low balance or NSF Checks. The Manager and I called customer service after being on the telephone and hold for 20 minutes all they would tell us the account was on Restriction Still did not know at that time Chase was closing my accounts. Manager told me to call them back when I had more time and not at the bank.So I called Chase Customer Service XXXX I was told Chase had closed my account. I called back customer service and wanted a specific when and how could I get my money since the the money to my name and Mortgage is due, Car Payment and Insurance. I escalated to a supervisor in Fraud Department XXXX and after him reading scripts for 15 minutes I requested to be escalated again to higher manager I spoke with XXXX. I was told a notice would go out in next 10 days and account had been closed or restricted since XX/XX/XXXX. They were closing my accounts and after the 10 days then they would mail me my funds in my account. Remember my balance is over $ XXXX all the money I have and no money to run my business or pay bills. I can withdraw no monies. All my bill set up on automatic payment for 1st of month would not go out and none of my bills would be paid even though they are still holding all my monies. Another bank is going to hold my check for another 10 days due to size of checks and they have to clear So I can not run my business for 20 days without funds. They transferred to XXXX in Executive Office which I never heard back from XXXX XXXX # XXXX. I was given no notice or reason why this is happening I have been an excellent customer for year with high balances Never had a NSF or Overdraft. XXXX explained to be they would never give me a reason for closing the account and they are not required
Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. XXXX