WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with XXXX, they got bought out by Wells Fargo Bank. I was cold called by a company who was offering me services/home apliances insurance, they had my bank account number!!! I told them that I did NOT want anyone to take money out of my account each month, but to send me information & if I liked it I would pay for the year. I gave them my address & they never sent me their information. I noticed a few months later that some unknown company was taking money out of my account without written or verbal permission. I called Wells Fargo & they investigated saying " I gave them permission by giving them my address over the phone '' How did I know that I had this insurance? I never signed a contract, I never got anything in writting, I did not have their phone number to call them if one of my " covered " apliances needed repair. This was a SCAM. Wells Fargo owed me {$120.00} for the money they removed from my account & an apology for all of the anger & mean thoughts I have had & expressed to everyone I meet about this criminal enterprise/bank. If they want to make amends for their fraud, they could payme {$35000.00} as I could use a new car. I am an XXXX, & my car is getting old. 
Thanks for letting me tel my story
I was incorrectly charged by a merchant ( XXXX XXXX ) and Chase refused to dispute it on my behalf.
Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.
Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time
I have a mortgage with Provident Funding. I made an online payment and I entered my account number wrong by one digit which I did not know until I asked them to verifiy what I entered. I called to find out why my payment was not processed and no one could help me correct the issue. The 3 people I spoke with told me I had to wait for an email before it could be corrected ( including 2 supervisors ) and I was going to be charged an NSF fee because it 's my fault not Provident Fundings. This is not a matter of NSF, I entered an incorrect account number by mistake ... .the 1st time in 9 years!! Everyone that I spoke with at Provident was SMUG, XXXX and showed not one bit of EMPATHY. I do n't see how they have any customers ... ..I am actively looking now to finally refinance. I guess I should send them a thank you card for being just as rude as can be.
I need your assistance in investigating my mortgage company, SPS. They claimed that I defaulted on the HAMP. Reason being was that they said after placing me on the HAMP, they realized that I was unemployed when they, XXXX XXXX placed me on the HAMP and after realizing that I was getting unemployment checks ( which they received copies of in the modification packet ; they kicked me off the program. I made three trail payments them they sent me the permanent payment plan but then re-sended, claiming that because I was unemployed I did n't qualify for the program. Then they went into my husband account and took out a payment and he is not even on my loan.
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.
Never received correspondence from XXXX, XXXX XXXX? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from Fenton law firm asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called Fenton to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.
My debit card was " duplicated '' and used to place fraudulent charges on my bank account in both mine and another US state ( I have the original card in my possession ). In attempting to place a fraud alert on my accounts with the three credit bureaus, the following problems occurred : XXXX appears to use a third party to take sensitive, identifying information and report the information to them. One must input or say your social security number, name, date of birth and other sensitive, identifying information over the phone or online to an automated system. Experian and XXXX also require the same information, but the information appears to be handled by them. XXXX   announced in XX/XX/2017 that its accounts were hacked. There does not appear to be ANY agency who has a live person available to help a consumer decipher the safety of its accounts. Secondly, why do these companies require a consumer to use their social security number as identification when it clearly states on MY social security card that this number is NOT to be used as identification? Who really protects the consumer with this wide-spread problem? And how do we know our information is secure when reporting online or by automated phone services?
Equifax did not secure my credit information, which I have no control over them having. Now I am one of the millions potentially exposed to very detailed credit fraud. And all Equifax is offering is a 1yr monitoring.
Dear CFPB, I am making a complaint against Experian for including a tax lien on my credit report that does not meet the XXXX ( XXXX XXXX XXXX XXXX ) standards for the listing of such. The XXXX requires that liens must have a full name, address, SSN ( not partially or completely redacted ) and/or DOB. The lien listed on my Experian credit data does not have the full SSN listed properly ( only last 4 digits ), does not list a DOB, nor does it include any address. XXXX, without any action on my part, followed the legally agreed upon requirements and removed the lien immediately due to this. However, Experian did not afford the same due diligence prior or after listing of the lien, which goes against my afforded legal rights. I am including a copy of the said lien in question.
I received a XXXX form Chase Bank charging off my debt owed to them, I opened an account with them in XXXX when in the military and up until XXXX never missed a payment. This was a joint account and in XXXX XXXX I got a divorce and was ordered to carry this amount with me. In XXXX I was advised to stop making payments and fell behind. In XXXX I received the XXXX charging off my debt. I filed the charge off on my XXXX federal tax return and thought I was done. 

Chase had been reporting on my credit report that the balance had been charged off and was showing at {$0.00}. When XXXX requested a background check on all employees in XXXX the account on my credit report reverted back to the original balance and my credit score dropped almost XXXX points. I just want Chase to show my balance at {$0.00} and not past due. I know it will remain on my report for a certain amount of time but reporting it as is will really continue to hurt my credit rating. It seems to me that Chase is double dipping, they charged off my account and I file on my taxes for the funds and now they are still saying I owe on my report.
i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back
Wells Fargo Bank was selling at auction a repossessed house located at XXXX XXXX XXXX, XXXX, VT. I was the winning bidder on XXXX XXXX through XXXX. I was given a settlement date of XXXX XXXX, 2016, signed the required contract, and submitted the required earnest deposit. Each stage of the operation was handled by a different contact. Starting 5 days before settlement, I contacted my contact and asked what was needed to settle -- I received silence at first and then was told Wells Fargo had not downloaded the title and they could not settle. I asked where that left us and they said they would settle as soon as everything was in place. As soon as I asked if this was a breach of contract, I no longer received replies to my emails or phone calls. Then on XXXX XXXX, I received an email from a new outfit -- XXXX, telling me they were ready to settle but I needed an attorney. I hired an attorney, she contacted them and has received NO response and is frustrated herself -- at XXXX per hour! They are well over a month from closing date and -- nothing!
This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.
I have tried talking to them and explaining I Have XXXX and XXXX and I turned in all my cards the day of service. But they will not remove from my credit report and he keeps saying its not his problem and it needs to be paid in full asap. I ask him who the origonal debitor was and he just tells me the one on the credit report. He is not trying to help me in anyway. I tried to explain to him I was told that if I have XXXX and XXXX that he was not aloud to put that on my credit report cause I was never to be charged a bill and he just says well you was told wrong.
On XX/XX/XXXX, My vehicle was remotely disabled automatically. I did not know until XXXX XXXX morning I was on my way to go to church. My car would not start. I want to file a complaint against Credit Acceptance corporation regarding this matter. I want to be compensated for the loss that I suffered regarding this matter. I was not able to go to church nor was I able to deposit my payroll into my bank account. In addition, I was not notified in advance by Credit Acceptance. Credit Acceptance did not notify me in writing, nor by telephone, nor in person of their actions. 
According to my knowledge, I set up automatic electronic payments for my car payments ever since XX/XX/XXXX. Why, they have not taken out the funds I do not know. Credit Acceptance made no contact to me regarding this matter. If there were an issue I was not informed by no one from Credit Acceptance. 
Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX placed an account for the amount of {$880.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued.
Hello, thank you for any help that yo u may be  able to provide. I have called in to  XXXX  and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to  XXXX ,   XXXX   and Equifax and my reports have not been updated.   I called into   XXXX   and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report.       Please help, I am not getting anywhere.     The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your time.
Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks
Nationstar has been pursuing debt collection activity that they alleged was transferred from XXXX XXXX XXXX, XXXX XXXX. 

The loan XXXX transferred from XXXX XXXX XXXX had a zero balance. 

On XXXX XXXX, XXXX, Nationstar indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, Nationstar 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX Nationstar is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, Nationstar sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, Nationstar 's Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, Nationstar reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX XXXX. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX XXXX. Past Due amount {$110000.00}
I recently had both my accounts put on resticted use because of a bad check, I spoke to someone in the bank and they said there is nothing they can do and my accounts are going to close in 10 Business days and I have a pending direct Deposit they do n't allow and they keep giving me runaround stories saying it will be available and another representative said I ca n't get access because the account is resticted I do not understand why I can not get it
Attempting to collect a debt that I do not owe. Threatening with legal action by representing themselves as process servers trying to serve me.
Incorrect data from XXXX XXXX is on my Experian credit report as a Potentially Negative item. ALL the XXXX information should be deleted because I have NEVER DONE ANY BUSINESS with XXXX XXXX. Here are some facts ... 

A. XXXX could NOT FIND ANY history regarding ANY account for me UNTIL WE FURNISHED IT TO THEM during a dispute call. During that conference call, Experians Dispute Center employee had to provide XXXX with an account number ( XXXX ) since XXXX could NOT find one in their system. XXXX now uses that account number ( the one provided by Experian ). Note : this is verified by notes in the Experian Dispute Center. 

B. XXXX could NOT find ANY OTHER account number in their system ( related to me ). 

C. During the conference call including Experians Dispute Center, XXXX asked me for personal data including my name, address, my Social Security Number, current phone number, and specifically asked if I had lived at various addresses. XXXX XXXX  could NOT FIND ANY RECORD of me in their system. 

During that conference call, when XXXX admitted they could not find any record of me in their system, Experian Dispute Center asked XXXX if they would authorize removal of the information since it could not be verified. XXXX stated they, " could NOT remove any data unless they first found the account and verified that it was a mistake '' ( seriously ). 

D. XXXX now has my personal data in their file since we furnished my personal data to them while they were trying to locate the file ( See Item C ). 

E. I have NEVER LIVED at the following address Frontier is questioning XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX ( The XXXX XXXX XXXX XXXX verified this was NOT a residential address. ) F. I have NEVER done any business with XXXX XXXX. 

G. There is NO mention of XXXX XXXX on my XXXX or XXXX credit reports. 

H. This situation has been disputed three ( 3 ) times through Experian but NO changes have resulted. The Experian credit report continues to be incorrect by including the XXXX XXXX information ( see image below ). 

I. Due to a lifestyle change, since XXXX 2003, I have  had NO utility costs ( including landline telephone, electric, water, sewage ) and NO cellphone costs. 

H. I have now spent over nine ( 9 ) hours, during four calls over a four-month period, on the phone with Experian and XXXX XXXX. The result of one call was that Experian suggested that I hire an attorney.
XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.
XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!