WillisBack/dataset-financial-user-claim huggingface dataset:
I reported fraudulent activity to American Express on XX/XX/XXXX for my Serve Prepaid account. There were approximately XXXX charges totaling {$430.00} from XX/XX/XXXX-XX/XX/2016. American Express has since closed my account, told me that the charges were authorized, and has refused to provide any additional information or credit. The fraudulent charges triggered a balance transfer and used up all my funds.
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SECXXXX DOB : XX/XX/XXXX
A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.
Constant noise from garbage trucks and garbage removal at Citibank on the XXXX XXXX side of the buidling across from XXXX XXXX between XXXX -- XXXX most evenings. Would like to report this noise and have it removed and it is disturbing the residents who live in the surrounding area and buildings on XXXX XXXX
On XXXX XXXX, 2017, I had to freeze my accounts at Equifax, XXXX, and XXXX because of the security leak at Equifax. Equifax has not offered any viable solutions to the fact that they failed to protect the confidential accounts of millions of Americans, and in fact we did not have any CHOICE about their having this information about us in the first place. They are not even able to verify whether we are in the pool of people whose information has been compromised. Meanwhile, our information could be out there, being used by the hackers. 

As a result, I had to freeze our accounts. In my state of Tennessee, that means I had to pay {$7.00} per account for this freeze, and when I want to unfreeze it, I will have to pay {$7.00} per account again. I will have to pay {$7.00} per account EVERY TIME I freeze or unfreeze the accounts. 

This should NOT be my responsibility. Why am I being financially penalized for the incompetence of a service I never gave permission to have my information anyway? At a minimum, Equifax should have to pay these fees for me AND for every customer who has to pay them, every time.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.
I have ever only obtained a check cash card for Walmart in XX/XX/XXXX. Now in XX/XX/XXXX I tried to apply for a credit card and was denied. However, via mail from XXXXXXXX XXXX   Creditor and they also list XXXX in letter, they claim SERIOUS DELINQUENCY, NUMBEROUS ACCOUNTS WITH DELINQUENCY, LACK OF RECENT BANK REVOLVE INFO. I Knew this was FRAUD and immediate called XXXX who stated they never even received the INQUIRY! I then reported to FTC and Consumer Finance to have this EXTREME FRAUD and LAUNDERING Under MY NAME Investigated. They explained I should submit a complaint online or in writing as well. I would have no problem with proving these accounts were never mine! Cell # XXXX Thank you, XXXX XXXX XXXX
WELLS FARGO & COMPANY has stolen my account and denied me access from viewing the account on XXXX/XXXX/2017.
My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.
There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX and XXXX
In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. Thank you.
I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.
I have been battling with Synchrony, specifically with my Walmart Credit Card, as to promises for interest being credited back to me, as promised by their reps. I had a rep over a year ago, explain to me that my promotional balances are not paid off first unless I check some spot online, which is not only difficult to find, but also never told to me in the set-up of the account. I brought this to the attention of the reps at Synchrony for my Walmart card and since my card has been open since going back to 2014, they offered the interest credits and I took them. Now, every single time I ask for them to fulfill these promises, I get some cookie cutter responses, like I am not even a person or I matter. I just went online to get a copy of their responses recently, and they " MAGICALLY '' disappeared from the records, after I told a rep I was filing this with you. I am sick of these promises being made and them playing these games! I had the proof to attach to this complaint, as per numerous chat room discussions as well as email contacts on the walmart credit card website, but as I stated, they magically disappeared as of today, which is less than a few hours after I told them to fix this or I am filing this complaint. How is destroying conversations considered legal and fair?
I have been a member of a group for those who are recovering from bankruptcy. The name of the group is called XXXX XXXX XXXX, and is run by a man named XXXX XXXX. 

In XXXX of XXXX, XXXX sent an email solicitation for a 1 on 1, face to face, lunch meeting with him in XXXX, GA ( XXXX ) to talk about anything we wanted for {$500.00}. We were to send XXXX 3 dates between XXXX a XX/XX/XXXX. 

A few weeks after signing up, I had major XXXX, and was unable to send dates due to complications which lead to hospitalization. 

When I returned to work, I reached out to XXXX on XX/XX/XXXX, I reached out to XXXX via email informing him that I had had XXXX, and was just getting back into the swing of things. I asked about my 4 hour session and received no response. 

I reached out again on XX/XX/XXXX. This time XXXX replied that I had missed the date, and that I could maybe take advantage during XXXX, and XXXX XXXX 's later this year. I advised XXXX that, that does not work for me, and asked for a refund of my funds. 

He then came back and offered me a 2 hour session, via telephone. I advised him that I had paid for 4 hours, face to face, and that was what I wanted. I again requested a refund, and received no response. 

On XX/XX/XXXX, I reached out to my bank, Bank of America ( BOA ), and requested a chargeback of my funds. The following day, XXXX and I literally had an email war with him threatening me, and telling me he would get his money back. 

At this stage, I do not want to have a session with him at all! I inform my bank of the same. 

At any rate, on XX/XX/XXXX, BOA notified me that they would be reversing the chargeback on XX/XX/XXXX. Their decision was based upon documentation the merchant provided indicating that the service was rendered and available to me. And, that per the documentation the Merchant has a 30 day money back guarantee. 

In response to BOA, my argument was that I have yet to the receive the services, and the so called items that were supposed to come along with it. The merchant is back to being unresponsive, and the documentation he provided them stating a money back guarantee was bogus, and contained information for XXXX, Colorado, not XXXX, Georgia. 

Furthermore, I have since discovered that this man is a con artist who has been conning consumers for years now by offering services, etc ... and never providing them, and when he is sued, he files bankruptcy. 

I also provided BOA with the websites where I found some of the disturbing information I discovered about XXXX XXXX. 

The first one is XXXX, and, the second one is ... XXXX XXXX XXXX
American Express ( Amex ) inquiries are on my credit report fraudulently. I spoke with a customer service representative who informed me that these were applications submitted over the phone using my personal information. It is common knowledge that ANYONE can submit a credit application with someone else 's personal information. I am disputing these inquiries, made on these dates : XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 I did not submit ANY applications to American Express ( AMEX ) on these dates and wish for the hard inquiries placed on my credit reports ( XXXX and XXXX XXXX to be removed. Moreover, it should be noted, the frequency of these credit applications being submitted reflects identity theft.
The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.
I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.
Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.
This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.
While flying on a XXXX XXXX ( now XXXX XXXX ) flight, I was offered a Citi credit card with several benefits including Group XXXX boarding and XXXX bonus miles. I applied and received the card but did not get the Group XXXX boarding I was promised. I tried to call XXXX XXXX but was put XXXX hold for a full hour before I gave up. I 'm writing to the CFPB because this is a Citi Credit Card - Citi gets the any interest and fee income from the card. I believe Citi ultimately is responsible for this false advertising and deceptive practices.
XXXX is notified on multiple basis and reuses to correct wrong information. If they correct it, its back on the report next month.
Portfolio recovery is trying to collect a debt from me from services that never happened. 
The XXXX office was wrong in that they charged me for a partial denture that I refused to purchase and never picked up, why is this dentist charging me for something that was never done? Also, I paid out of pocket for part of my services ( I will attach that receipt ) Portfolio recovery never sent me anything or else I would have questioned charges a long time ago, the only reason I found this out was when I ran my credit score a couple of months ago. Ive attached everything I have. I filed a claim with the XXXX XXXX XXXX, but the collection company does not respond.
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Ally to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.
I have a Bank of America business credit card that me and my business partner open, after a year i sold my part of 50 % of my business to him by notary to take care of that credit card payment, he is no were to be found and now bank of america withdraw XXXX $ on the XX/XX/19 from my checking account and paid the credit card account with out my permission.