WillisBack/dataset-financial-user-claim huggingface dataset:
Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.
Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ).  On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They  have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
I made a call to Experian as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL. 

Remove XXXX XXXX XXXX AND XXXX XXXX XXXX
on XX/XX/17, we signed papers with XXXX to assist us in getting through a " class action '' with XXXX XXXX XXXX. a rep contacted us, due to our mortgage being with XXXX and said we could hire them to be a part of the action and that we could get the over payments we gave to XXXX applied to our loan and lower our payments. We were given an option to pay off our home or lower the payments, we opted to pay it off. We were given information on a loan company that could help us get a new loan with lower payments. Around the XX/XX/XXXX we were contacted by the loan company and title company stating that the law firm filed fraudulent documents on our title and they couldn't do the new loan. it has been over a year, they have {$4500.00} of our for representation and now we are facing foreclosure and our mortgage company ( Carrington now ), wont help us in a modification.
Last XX/XX/XXXX I filed a complaint Case # XXXX against the XXXX XXXX XXXX with Comenity Bank and we resolved it and the account was closed. There has been no correspondence, no billing statements ( I had switched to paper statements etc in late XX/XX/XXXX ) nothing from this company in almost 9 months so I assumed this matter was resolved until this morning. When I received an email stating that my statement was available for viewing. So I decided to check into it further and come to find out the account apparently has either been reopened or was never fully closed even though I have emails stating that it was closed. For some reason on XX/XX/XXXX a credit was applied to my account in the amount of {$22.00} which now apparently gives me a line of credit of {$170.00} of which I did not ask for nor did I apply for since I closed the account last XX/XX/XXXX. It also says I received a refund check, I never did since I was n't due a refund I never paid for services I did not order nor did it EVER total the amount they say they sent a refund check for.
The bank sent me an email stating they had detected " no card present '' fraudulent activity on my account via my new chip technology ATM/Debit card, which I very seldom use, and that they had declined the transactions until receiving verification from me as to whether the transactions had been attempted by me, or someone else 's. Please see attached. When I replied it was not me, a customer service representative called me immediately and instructed me to destroy the card, which I did. The representative proceeded to tell me they were opening an investigation and would issue temporary credit to my account, but they later told me they were denying the claim for fraudulent activity and would not be reimbursing the monies. I closed my account yesterday, after having been on the phone at the branch, because the branch manager told me there was nothing they could do at the branch, and that, like me, the only recourse they had was to go through the Claims Department, which only handles everything via telephone. PLEASE HELP. Chase is stealing approximately {$700.00} from me, saying that since I have an on-line account, I should have noticed the fraudulent activity and reported it immediately, and that I should call the authorities if I was n't happy with Chase Claims Department 'd decision to not reimburse me. 
XXXX XXXX XXXX - Cell XXXXXXXXXXXX
A XXXX called from XXXX and threatened to serve me legal papers for court to my home or work. he stated to call ADR at XXXX. I have never heard or received any letter from ADR concerning a debt I owe.
On XX/XX/2018 I wired USD {$400.00} from XXXX, Idaho to XXXX, XXXX via Western Union. The exchange rate on their website differed from the rate charged at the time of the transaction by 10 % which resulted in XXXX Euro difference on the transaction. ( See attached screenshot of the published rate and copy of the transaction receipt ). This charge was in addition to the {$28.00} transaction fee.

That same day I filed a complaint with Western Union. Western Union responded yesterday with a lame excuse.
Without my authorization, Navient student loan servicing along with their contracted collection agency XXXX XXXX XXXX attempted a cash advance in the amount over 5,000.00 from my credit card. 

One week ago, I had authorized a one time credit card purchase in that same amount. It was declined by my credit card company because Navient/XXXX  was attempting a cash advance. I would have incurred significant cash advance fees along with a much higher interest rate for cash advance transaction. I refused the cash advance and my credit card company acknowledged. 

Without my authorization, on week later Navient/XXXX submitted a cash advance in the same amount which my credit card company flagged as fraud. Now, I must have my credit card changed out.
I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.
Initially I called in and requested my son to be an authorized user on the account and the representative added him to the account he went into the store and the card declined even though I have a $ no balance and a {$700.00} credit limit I then proceeded to call again and a representative and their fraud department said that the card was ready for use a third time since the card was n't ready for use again the second time I called. Now they are requesting Social Security card driver 's license income and basically I do n't have an issue with that but my issue is the discrimination against my personal XXXX.
On XX/XX/2016, I applied for a credit card on the Wyndham Rewards website. The credit card, with a {$69.00} Annual Fee, was a " Limited Time Promotion '' offering XXXX bonus points ( Barclay Card US services the card ). This promotion was available on the Wyndham Rewards website beginning about XXXX XXXX and ending in XX/XX/2016. 
My complaint is Barclay Card US has credited my account with only XXXX points, claiming the XXXX point offer does n't exist. On XX/XX/2016, I contacted Wyndham Rewards for help, as the offer was on the XXXX website, they directed me to Barclay Card US customer service. On my request, Barclay Card US opened investigation CASE XXXX on XX/XX/2016. 
When I contacted Barclay Card US, on XX/XX/2016 to request CASE status, they said the investigation showed the XXXX point offer did not exist, and I was not due the additional XXXX points. 
On XX/XX/2016 @ XXXX, I contacted Wyndham Rewards customer service, they agreed that I was due XXXX points since it was an active promotion on their website. The limited time offer was on Wyndham 's Webpage for XXXX and XX/XX/2016 only. The Wyndham customer service manager ( XXXX ), with me conferenced, called Barclay Card US customer service and spoke with a manager ( XXXX ). The Wyndham manager had the Barclay manager access the credit card offer via the Wyndham Rewards webpage. The Barclay manager did verify that the XXXX bonus point offer did exist and I was due an additional XXXX bonus points. XXXX, the Barclay Card manager offered to immediately credit my account with XXXX points, the maximum that her position was allowed. I refused her offer, and stated that I would wait for the full XXXX points to be credited. The Barclay manager on XX/XX/2016 opened CASE XXXX to have my points account credited. 
On XX/XX/2016, I contacted Barclay Card US about CASE status, and was told the investigation again showed that the XXXX bonus point offer did not exist. I was told nothing further would be done by Barclay Card US customer service. 
When calling Barclay 's customer service, an announcement states, " ALL CALLS ARE RECORDED '', meaning that a recording of our XX/XX/2016 conversation exists, with the Barclay manager ( XXXX ) confirming that the XXXX point promotion exists. 
Note, on the XXXX webpage, when I clicked on the " LEARN MORE '' label of the " Limited Time Offer '', a new webpage displayed that originated from the Barclay Card US website/webservers. The below is the URL that is displayed on that webpage. Paste the below URL into a web browser, and the actual XXXX point promotion will display for you. It is still live on the Barclay Card US website. 
XXXX On this new page you can view/download the Barclay Card Terms & Conditions showing the XXXX Bonus Point offer that I applied for . THIS WEBPAGE IS ACTUALLY BEING DISPLAYED BY THE BARCLAY CARD US WEBSITE/WEBSERVERS. For Barclay Card US to state that the offer does not exist is a blatant lie. This is Bait & Switch by Barclay Card US.
This company XXXX XXXX is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX  which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
On Tuesday, XXXX XXXX, XXXX, I attempted to put a freeze on my credit reports as urgently recommended by nearly everyone after the hacking of the XXXX. I was able to accomplish this easily in a few minutes online with XXXX and XXXX. 

TransUnion was a different story. An hour on their website was utterly useless. The process kept freezing up in the middle, and often it would not accept entries that met their criteria for those entries. I tried calling, filling out pages of confidential information repeatedly to have the line cut off as soon as I complete all the entered data. 

I can find not way to contact this company except that they say I can request a freeze by mail. But the site gives only an address to do that and no information what is required to do it or how long it will take. 

This is an urgent issue in light the hacking, and I am quit upset that a company for which I have no is allowed to hold my information without even permitting me to contact them for a freeze.
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$90.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
On XX/XX/2018 I called to dispute an account for XXXX XXXX to be removed from my account, due to FAILURE TO COMPLETE PROPER INVESTIGATION. 

I spoke with, XXXX. 
I asked for proof of VERIFICATION. 
XXXX stated he was NOT REQUIRED BY LAW to give me any PROOF of investigation. 
I asked him how did he VERIFY the account? 
He REFUSED to tell me. 
After asking repeatedly, he finally said, WE ASK IF THIS ACCOUNT IS ACCURATE and the creditor says ; YES OR NO. 
He also told me that EXPERIAN CAN NOT AND WILL NOT REMOVE THE ACCOUNT, because the creditor says it belongs to me, REGARDLESS OF INACCURACIES.. 
Which is AGAINST section 609. 

The company in dispute is reporting inaccurate number of terms on the account being reported. They are also reporting monthly missed payments on a CHARGED OFF account.
My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.
I have asked experian to delete wrong information from my report and they have fail to do so. the only results that I have got are updated, but still shows wrong personal information.
My DISCOVER credit card account was closed by the company on XXXX XXXX without given any reason. I have remained good credit score and never had any late payment since I got the card on XXXX. 

DISCOVER has promoted its credit card by promising high cash back on purchasing, however they never give any itemized summery on the cash back credit along with every purchase, so it is extremely difficult to keep track of those credits. There were several times when I make purchase using the affiliate link on DISCOVER website but only end up receive XXXX cash back on the statement ( since they do n't provide any record for those purchase and cash back credit, I have no proof to show ). And now that my account was closed, the cash back credit I received earlier was all gone.
XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..
I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.
I seemed to have misplaced my old mortgage information for the address of XXXX XXXX XXXX, XXXX CA XXXX. I am hopeful that JP Morgan Chase can assist since the loan was through them and paid off in full. I am wanting a paid in full receipt for that loan if possible. I spoke with someone on the phone who was able to locate the loan information, but I am just wanting a confirmation in writing that the loan was paid in full as agreed. The loan was paid in full in XXXX or XXXX of 1993. 
Thank you.
This debt collection company is already strong arming attempting to collect a debt for my deceased mother who has not even been in the ground for 60 days. They can be advised of the following : No known executor exists, no known liquid assets exist, I am not responsible for the debt of my deceased mother.
On XXXX XXXX, XXXX, I call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. 

I never gave anyone my card nor was I in town to make the charges in question.
I have received three letters from National Credit Adjusters ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from XXXX. I also have had several telephone calls from National Credit Adjusters. 

On XX/XX/XXXX I sent a letter to NCA saying that I had no such debt and have never had any dealings with XXXX. 

On XX/XX/XXXX National Credit Adjusters sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information NCA sent is a XXXX loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
For a little over two months now I have been working with Portfolio Recovery Associates to get accounts removed from my credit report and stop collection activity because these 3 accounts were opened from a previous address where I lived in XXXX. I was living in XXXX during the timeframe notated in their documentation. I asked them to provide some additional proof beside billing statements because all of that documentation shows and address where I was not living at that time. However they continue to send the same documentation and say that it 's verified. I need some help getting to the bottom of this issue and getting it resolved. I filed a better business complaint and the company did not respond so I am hoping you all can help. I have sent my offer letter from my job here in XXXX, utility bill, and lease agreement. I also have current accounts opened with the companies they are stating that I owe and I am unsure how they would allow me to open new accounts with charged off accounts in their system. The three cards are two XXXX XXXX cards and one XXXX XXXX XXXX XXXXXXXX. Please help me.
I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments.
I have tried many times to get Experian to fix these two accounts that were Fraudulently opened in my name. I have had a fraud alert on my credit account for some time now, and neither XXXX XXXX or XXXX XXXX  followed the Fraud alert on my credit reports asking to speak to me before opening any new accounts, and now Experian is allowing them to report these bad accounts on my credit.