WillisBack/dataset-financial-user-claim huggingface dataset:
Customer 's Statement of the Problem : On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted TransUnion Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through TransUnion was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, TransUnion removed some of the items I disputed, but not all. The items TransUnion left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ). On XX/XX/XXXX, I sent another certified letter to TransUnion in the attempt to have them remove the inaccurate items being reported on my credit report. Also, I informed TransUnion that if the Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On XX/XX/XXXX I again received an updated version of my credit report from TransUnion. TransUnion refused to remove the false reporting material on my credit report once again. On my updated credit report TransUnion removed the XXXX account # XXXX that I am disputing in the Bankruptcy from being an Adverse Account to a Satisfactory Account. Not knowing how that was accomplished when the XXXX account # XXXX was included in a Bankruptcy. TransUnion went on to add another account to my credit report that is also being reported in a Bankruptcy that account is XXXX # XXXX. TransUnion continue to report these XXXX accounts as Adverse Accounts when both accounts are included in a Bankruptcy therefore neither account should be visual on my credit report. TransUnion also refuse to remove the XXXX ( XXXX ACCOUNT # XXXX ). TransUnion is reporting this account as being open. I informed TransUnion of the closing of the account in XXXX separate dispute letters. I also sent TransUnion the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Adverse Account being stated by TransUnion XXXX I have copies of all letters sent certified to TransUnion by me as they show proof of contact and effort to have these accounts removed. Also I have a letter from XXXX, which shows my account to be closed. I am seeking TransUnion to delete these accounts visually from my credit report.
XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.
My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states " As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.
Re : Complaint id XXXX I purchased a XXXX Prepaid Card in the amount of {$200.00} on XX/XX/2018 I registered the aforementioned prepaid card in my name on XX/XX/2018 by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.
Dear Sir / Ma'am, I had been a credit card holder of HSBC for years. On XXXX XXXX, I received a letter dated XXXX XXXX, 2015 from HSBC indicating that my credit card account had been terminated. The letter stated that I must send balance payment to such account of which I did. However, HSBC would not allow me to claim gifts or reimburse me for the points I had earned by using the card. I called but was notified that HSBC would only allow existing customers to claim prizes through the points. The issue here is I have XXXX points which is equivalent to a value of {$1700.00}. No advance notice was given to me prior to their decision of shutting down my credit card account, nor had HSBC automatically converted these points to credit my account. I do not agree with the banks improper decision of terminating my account without giving me ample time to manage my earned points. I appreciate your attention to this issue and look forward to receiving your comments / help in order to get back what I own.. 

Thank you,
I obtained a consolidated student loan with ACS in XX/XX/XXXX. In the XX/XX/XXXX another consolidated all my loans again and the loan with ACS was paid in full and closed. On XX/XX/XXXX, I received an alert on credit check total that ACS had flagged my credit report with negative information. ACS decided to report my CLOSED and PAID account as CURRENTLY 120 days past due. The account has been CLOSED and PAID since XX/XX/XXXX. As you can see from the attached evidence ACS is reporting that the CURRENT status of this account is 120 days past due which is defamation and false reporting under the FDCPA. My score decreased because of this misrepresentation. I do n't currently have an account with ASC so why are they reporting a PAId and closed account as 120 days past due in XX/XX/XXXX? Please correct this misrepresention of my account IMMEDIATELY.
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XXXX of XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XXXX. The last payment activity on this account occurred in XXXX and has been reported in our credit file for 7 years. Per the Fair Credit Reporting Act ( FCRA ) negative information must be deleted from our credit report after 7 years. Please remove this account from our credit file and stop reporting the information as it is past the 7 year reporting period.
My employer received a call from XXXX saying the reason of the call was for a subpoena for me and that they could n't give any other information. Returning the phone call, I was told that a letter was sent to XXXX, XXXX XXXX XXXX XXXX ( that zip is a XXXX zip ) by US Bank with no response and I am now being taken to court ( they were unsure of which court ). They referenced a US Bank account from 2006. 

I repeatedly asked if this was an attempt to collect a debt, always the response was no, however, this line was referenced three times, " do you want to take care of this now or are we going to see you in court. " I have a XXXX credit rating. This account that they are referencing was taken care of years ago. They are trying to scam money out of people through old debts. The fifth person I talked to finally gave me an address of their location : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I recognize this address! I have sent a letter to them to cease their attempts to collect past debts! XXXX XXXX XXXX is listed as an attorney at this address. How is she and her office still in business?!?! A XXXX search shows tons of complaints! Seriously, HOW IS THIS OPERATION STILL OPERATING??? 

They have my social security number and are threatening me with illegal legal action!!!
In  XXXX  2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of  XXXX  a month would be apply to my principal balance which is  XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in   XXXX   up until  XXXX , 2017 every  XXXX  of the month. and my payoff balance is still at   XXXX   dollars. Which I have paid  XXXX  and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a   XXXX   year old   XXXX   women who has  XXXX  and   XXXX   XXXX   problems. I have been taken by this company.
To Chairman and CEO XXXX XXXX XXXX : I called your customer service number at approximately XXXX, on XX/XX/2016. The hold time was very extensive. Subsequently, a representative who provided the name of XXXX answered, and then verified by password and other information. I seldom dial your Customer Service Department ; however, upon reviewing my online account, I noticed that a NSF charge dated XX/XX/2016 was assessed to my account. I asked XXXX when the returned item was presented to Compass Bank for payment. XXXX told me to hold for a brief moment, and before I could respond, he had placed me hold. After holding several minutes, XXXX hung up. I want the call reviewed. And I want XXXX discipline. 
Basic customer service training should require that Compass ' telephone representatives ask to place a customer on hold, and then wait for a response. Further, under no circumstances should a representative hang up on a customer, particularly since he knew the office would be closing soon. Presumably this is why I was placed on hold and disconnected. Further, the question that I asked, should not have required that XXXX place me on hold at all, considering on the previous day, I asked the same question inside a Compass branch, and the teller check the records in a matter of seconds. 
Regarding the issue of why I called. I visited your branch location at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2016 and made a {$200.00} cash deposit. My receipt is time stamped XXXX. I asked the teller to advise if there were any pending items or NSF items. He checked and advised separately that there were no pending items, nor recently returned items. 
I submitted an electronic check late XX/XX/2016 for {$1200.00}. On the morning of XX/XX/2016, when I realized other items had cleared overnight, I made a deposit to cover the outstanding check of {$1200.00}. Yet, there is a NSF Fee assessed on XX/XX/2016. I want documented proof of when the electric check in the amount of {$1200.00} was presented to Compass Bank for payment. Considering how long I have had an account, with direct deposit, with this company, the {$1100.00} balance, prior to the {$200.00} cash deposit, should have been sufficient to pay an item in the amount of {$1200.00}, without me having overdraft protection. I know that you could have assessed the fee and still paid the item. I recognize that Customer Service may not be your company 's focus. Perfectly, acceptable, as I can remove my direct deposit from your bank. However, I do want a document reflecting when my check was presented to Compass for payment.
Inquirer Name : CAP ONE XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for credit cards and loans under my name, they even stole my mail from my house, they even made payments on some credit cards, i never applied for capital one credit card in 14 years because i don't even use my credit anymore because of this issue, i can't make it better they always apply under my name, they ruin my life because of this but for last time I'm trying to fix my credit, i have never applied for any of this, i never authorize any of this inquires even if you do investigation and everything matches still doesn't mean i did it, please remove this 6 inquiry from my credit report. 
thank you.
I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR XXXX.
In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.
I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted  XXXX directly and spoke with 3 different representatives and explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. XXXX is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXXXXXX 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 XXXX XXXX XXXX  : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXAs you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of XXXX refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. 
XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. 
I went on line to create an account and I can not access my account. 



What are my rights to pay the bill with something more official?
A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.
On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.
I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''
On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.
XXXXXXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.