WillisBack/dataset-financial-user-claim huggingface dataset:
As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to XXXX.
XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX
Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.
I received a collection notice from Total Card Inc. in XXXX XXXX, South Dakota stating that they are acting on behalf of a now defunct credit card issuer XXXX XXXX XXXX. They claim that they are trying to collect on a debt I incurred using the XXXX card and offer to, and I paraphrase, resolve this debt for pennies on the dollar, potentially saving me {$1800.00}! I've never had an XXXX credit card, I had never heard of XXXX until today, and I carry no credit card debt. 

I was going to contact TCI today but decided I should hold off since by contacting them they are alerted that I'm a bonafide person which might initiate additional credit scams. 

Not sure what steps to take next. I would greatly appreciate any assistance or suggestions. Thanks for your time and thoughts! XXXX
A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.
I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
My complaint is with Paypal credit. I placed an order with XXXX XXXX and paid with Paypal credit ; before the order was shipped it was cancelled. However, paypal deducted the amount of the cancelled item from my account and although they were contacted by XXXX XXXX they continue to withhold these funds from my credit allowance. I was told that they could not remove the hold until 30 days have passed. This is the second time I have encountered this issue with Paypal credit. It is quite ridiculous that I do not have access to my funds because they are refusing to remove a hold that should not be there in the first place.
On XXXX XXXX, 2015, after calling XXXX Hospital to set up a payment plan for a bill for my children, I was referred to Optimum Outcomes by XXXX from XXXX billing to arrange a payment plan. I spoke with XXXX at Optimum Outcomes. We discussed a payment plan for {$60.00} per month but later that day I had {$640.00} debited from my bank account. I did not authorize this amount to be debited. Imagine my distress when I saw they debited {$580.00} more than they were allowed to. I find this to be an illegal activity and as such have reported the company to the BBB and sent a complaint to XXXX. I feel I was robbed. I called the company and spoke with XXXX and was given the run around. No company should be allowed to do this to someone. It is detrimental to my family and my health as it has created a great deal of stress and financial issues.
The institution that I attended ( XXXX XXXX School ) was closed due to mismanagement of Federal Aid. I believe that I was wrongly charged to attend this school and would like my debt amended, since this institution is no longer in business. I am still being charged by Navient which there is a lawsuit pending against for overcharging students. Thank you
I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?
I HAVE BEEN PRE-APPROVED WITH CAPITAL ONE FINANCE ON XX/XX/XXXX ME AND MYHUSBAND COMPLETED THE PAPERWORK WITH XXXX XXXX XXXX IN XXXX GEORGIA. <P/>WE SUBMITTED ALL PAPERWORK TO XXXX XXXX XXXX WHO IN EXCHANGE SENT THE PAPERWORK TO CAPITAL ONE. <P/>I HAD TO SPEAK TO CAPITAL ONE FINANCE ON SEVERAL OCCASSIONS ABOUT ACCURACY OF INFO PROVIDED VIA THE CAR SALES PERSON XXXX XXXX. <P/>I HAD FOUND WITH OUR PROVIDED PRE-APPROVAL INFO THE ACCURACY NEVER MATCH UP WITH WHOM THE DEALER WAS SPEAKING TO AT CAPITAL ONE FINANCE. <P/>PER THE FINANCE MANAGER XXXX AT XXXX XXXX XXXX, PER MY PHONE INTERVIEW ON XX/XX/XXXX WITH CAPITAL ONE REP MY CAR HAS TO BE RETURN TO THE DEALER BECUASE OF ADDRESS. <P/>PER CAPITAL ONE SUPPORT THEY STATED THAT THE PRIMARY ADDRESS WAS LISTED AS XXXX XXXX XXXX, XXXX GA XXXX, AND STILL AS OF TODAY IT IS STILL MY PRIMARY ADDRESS. <P/>AS I STATED ON THE ONE CALL AND VERIFYING THE CONFUSION OF ADDRESS IN WHICH THE REP HAD INIDCATED I LIVED INTEXAS. <P/>I TOLD HIM AND STILL TODAY OF AS OF XX/XX/XXXX I WORK AS A XXXX AND I TRAVEL FOR WORK FOR SHORT TERM STAY. I PROVIDED THEM THE ADDRESS IN WHICH I WAS NOW HAVING THE CAR AT AS OF THE DATE WHENALL THE PAPERWORK WAS SUBMITTED, MY JOB ASSIGNMENT WAS CHANGED. <P/>I NEVER KNEW YOU CAN BE DENIED OF THIS LOAN, I HAVE HAD HTE CAR SINCEXX/XX/XXXX WHEN I WAS IN GEORGIA AND STILL TODAY. <P/>CAN CAPITAL ONE DENY A LOAN TO SOMEONE BECUASE THERE ADDRESS OF CHANGE AFTER THE SUBMISSION OF PAPERWORK. <P/>MY ADDRESS IS SHORT TERM. I AM NOT A RESIDENT OF TEXAS, I AM RESIDENT OF THE STATE OF GEORGIA, I AM WORKING AND I REINTERATE THIS OVER AND OVER, AS I FEEL THERE IS NO INFO PROVIDED BY THE DEALER NOR THE FINANCE COMPANY THAT STATES DIFFERENT. <P/>ALSO I HAVE NEVER BEEN OR DONE AN INTERVIEW FOR A CAR VEHICLE EVER AFTER ALL PAPERWORK HAS BEEN COMPLETED. <P/>PLEASE ADVISE. <P/>AS I HAVE PROVIDED A DOWNPAYMENT I HAVE INSURED AND PAID ON THIS VEHICLE AND ALSO HAVE DROVE OVER 15 HRS TO WORK SAFELY.
I owned {$12000.00} to XXXX Account # XXXX. Midland Credit Management Inc. acquired this account.Their # XXXX and advertised a payoff of {$3600.00} I paid this amount in full. They issued a statement " This account was satisfied on XX/XX/XXXX and you have no further obligation on this debt ''. This XX/XX/XXXX I received a XXXX for the balance {$8400.00}. I have written documentation on all my words made here.
XXXX XXXX information in my credit is not accurate, the balance of {$1000.00} is not mine. I never had this account. needs to be remove from my credit report asap and also XXXX XXXX is not my account .they showing a balance in my account of {$1500.00} please needs to be removed from my credit report
I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information.
this account is old, and should have been removed. it appears to have been transferred several times, they mention continue to update as un paid on my credit file, what for the rest of my life. another threat involving my way of living. amazing how I 'm following the law and getting robbed and bullied, controlled.
Wrong address is being reported my current address was deleted ands my old address from 12 years ago was a added. XXXX ny XXXX is an old address and should not be listed as my current address. My current address where I reside is XXXX ny XXXX and my XXXX ny XXXX. Please correct asap thanks
I have student loans on my report from a private lender that I did not authorize. The loans are not mine nor have I ever attended college. I have no knowledge of how this could have happened but I have been trying to address this matter for some time now.
After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.
I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.
I am resubmitting my complaint against Bank of America, but am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. Below is the new information ; ; source -- -XXXX : XXXXhttp : XXXXFROM XXXX XXXX : XXXX
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my Synchrony card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for Conns, Walmart and Credit Care No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 

If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Please do not contact me by phone, please contact me at my email address XXXXXXXXXXXX. NO PHONE CALLS! 
I will be glad to receive a positive response from your end. 
Yours sincerely
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. Two of them being by Capital One marked XX/XX/XXXX and XX/XX/XXXX on my XXXX and XXXX report. I tried to contact Capital One directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Capital One XX/XX/XXXX via certified mail. It has been over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit on XX/XX/XXXX or XX/XX/XXXX. I did apply for credit with your company on the aforementioned dates. Please respond and include a copy of the application, datedXX/XX/XXXX and XX/XX/XXXX, my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX Thank you for help in this matter.
I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.
This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.
all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report
XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets, credit score, bill pay history all very acceptable. Net worth over XXXX dollars US XXXX
In XXXX XXXX, I accepted a Balance Transfer/Cash Advance offer from HSBC for 0 % until XXXX. I understood that this only applied to the balance transfer and that purchases and fees needed to comply with minimum payments and the card interest rate. I expected this to be as other Promotions from other banks make monthly, periodic, or a balloon payment prior to the end of the term and no interest would accrue. Payment was made in XXXX for all purchases and transfer fees in full. As was not using the credit card and did not plan to pay the balance until XXXX XXXX or XXXX XXXX, no payments were made in XXXX, XXXX, nor XXXX. In XXXX I noticed, late fees upon late fees, interest charged on the late fees. I met at the branch to resolve the matter. HSBC reversed the fees and interest but with no notice to me closed the account and reported delinquency to the credit bureaus and changed the interest rate to 30 %. Now then, I am a " Premier '' customer and HSBC is refusing to rescind the negative reporting, refusing to reopen the account, and presumably has put the account out for collections. All of this with no communication to me. Up until XXXX I enjoyed FICO scores in the XXXX 's. Because of HSBC FICO is now XXXX. I have no problem to pay the balance immediately. Payments have been made XXXX, XXXX, XXXX, XXXX, and already XXXX has been paid. I demand the negative reporting be reversed. While it is technically true that payments were not made the explanation is true and valid. There is nothing written in the Promotional offer that states that the balance transfer amount will be calculated as part of the minimum payment due as with purchases.
i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.
My dad is the owner of a restaurant he accepted cards. So I am the one in charge of the financial with Bank of America so I was watching the batches of friday XX/XX/XXXX of XXXX it appears the Saturday XX/XX/XXXX XXXX it appears to but the one of Sunday XX/XX/XXXX XXXX it does not appear there are some charges of the bank of XXXX and late fee XXXX. And another one so I call the bank and I told them that what happened to the of Sunday that it does not appear in my statement so they tell me that it was a charge from the bank to but my point is why it does not appear on bank statement I want to see it. It was XXXX batch of Sunday XX/XX/XXXX and even argued with them but they dont not solve nothing.
Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
I am disputing account number XXXXXXXX with Transunion for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from XXXX credit bureau then list it with another. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL XXXX Credit Bureaus and never reentered on my credit reports again.