WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I visited a Wells Fargo branch at XXXX XXXX XXXX in XXXX XXXX California and submitted a power of attorney my mother prepared for me to manage here finances because she is incapacitated. The bank refused to recognize the POA and cited spurious reasons which I demonstrated were false. I asked them to reconsider but as of today, XX/XX/2018 they still have not recognized the POA. I need access to her accounts to provide for her welfare.
On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   XXXX XXXX-XXXX  SYNCB  ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX SYNCB XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX/XXXX XXXX  XXXX
CFSI damaged my credit by reporting a debt that should be/was taken care of by my employer insurance ... I have been with my company since XX/XX/2012currently and still working there..even if my employer changed insurance I still would be covered as we don't " lapse '' our insurance ... the bill I received from XXXX XXXX XXXX   XXXX clearly shows I owe {$0.00} ... this seems like unlawful practice on Commonwealth financial systems behalf and they should be ashamed of themselves
XX/XX/2018 I cancelled my auto debt payments from coming out of my account I spoke with rep XXXX from company and advised it would be cancelled. the company took out money from my account without my knowledge.
I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file. 
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to  verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.
I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.
I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.
In XX/XX/XXXX, I took advantage of a promotional offer from Bank of America for a balance transfer for 18 months at 0 % percent interest rate. 

On XX/XX/XXXX, I notified Bank of America of a fraudulent charge from XXXX XXXX  that was pending and asked BOA to block this charge. I disputed this charge several times. BOA refused for months to remove the charge from my account although XXXX XXXX confirmed it was fraudulent and cancelled. 

During this period BOA began charging my account interest, and for the next six month refuse to reverse the charge and interest. In addition, raised my minimum payment due based on this fraudulent charge. 

I again reached out to BOA XX/XX/XXXX the assured me the problem would be taken care of and charges reverse. To date, BOA of America has refused to reverse said interest charge and lower the minimum payment due in accordance to the promotion offer. 

BOA is engaging in deceptive and fraudulent business practices in commerce trade and I would like to file a formal complaint and asked CFPB to investigate and enact or enforce laws that would prevent bank from engaging in this deceptive business practice.
Navient has increased my student loan payments astronomically. The agency has saddled me with my children 's federal loans, which is hurting me emotionally. I informed their staff that I am also paying for my children 's private loans but to no avail. They rushed me into a payment plan I ca n't afford. I asked them to enroll me for PSLP for public employees, but they informed me I do not qualify. Please help me because I 'm drowning in student loan debt with Navient. 
Thanks.
I attended an off campus adult program, run by XXXX XXXX campus. The courses were given at a XXXX school, and was a BA program for adults. I received my share of Pell and TAP. And everything was costing me nothing out of pocket. After 2 or 3 semesters, we where told the program was ending, and we had to continue our courses, at the main campus. The problem with this is the tuition rose to XXXX a semester, and I was forced to take out loans. I 'm now over {$50000.00} in student loan debt. And I received not a dime. Nor was I able to continue. I would like this loan forgiven due to the fact the actual school and or program was shutting down and moved resulting in higher cost. Which I did n't sign up for. Please I 've been fighting this for numerous years.
I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record
The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.
XXXX- called again on the debt i told them Ill pay when i have the funds and have to do the research on the other agency before paying. The rep still kept continuing to demand the Payment even when i told him dont call me again. This is the third time calling. The calls are recorded so you can pull the phone records.
XXXX is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX  credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX  with no results.
I have been sent to collections over a XXXX XXXX XXXX debt with a doctors group. I called and explained to them at least three times this was not my debt, I left the adjusters name and contact information and still they went forward. 

This was the responsibility of the treating Hospital to assure proper billing and the doctors group to assure whether this was a personal or insurance related debt. 

I am in the midst of repairing my credit in preparation for buying a house, this little {$100.00} dollar debt dropped my score by several points! This is wrong and I want it made right immediately or I will hire an attorney and sue for damages! Much more than the {$100.00} I assure it!
I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
XXXX withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against XXXX
I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. 
I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.
To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing hundreds of thousands of dollars from my account.
XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove
In XX/XX/XXXX, I hired XXXX, to assist my cleaning service with payroll processing, and workman comp insurance. I spoke with XXXX concerning the finished work and no longer needed workman comp insurance, because the initiated the connection, between XXXX XXXX XXXX and myself, or XXXX XXXX XXXX XXXX, which I am owner. The continued harassment about an audit, which was not supposed to take place, without my consent was taken. The phone calls started XX/XX/XXXX. Thereafter, the continued calling me two, to three times a week has to stop. XXXX only processed one payroll for XXXX XXXX XXXX XXXX XXXX, and sent another payroll, which I did not receive, until I came to my home office, which was about XXXX XXXX  on XX/XX/XXXX, and at that time I only had two people working. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has called me too many times. XXXX XXXX called, me today and told me to stop talking over her and I was unprofessional, because I do owe them for seven payrolls, which they had to commit to an Audit. I hung up, came, to my computer, and announced one again, which I had done several time, and told her I was filing a complaint against them, and she said, I will not call you any more, and I told her, I have told you several times to stop contacting me, but she continued. The constant contacting me, and harassment has caused me great anguish, and the continuing calling XXXX and XXXX, has cause me a mental break, " I only had two payroll processed, because the job only lasted two weeks ; '' " It was a final cleaning contract. ''
I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better  Business Bureau as I want this to be taken care of right away.
I have disputed this account on many occasions with XXXX, Experian and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies Experian, XXXX and XXXX back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error. 

XXXX  deleted the file but it still remained on my Experian and XXXX  credit files. 
Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is the XXXX XXXX XXXX XXXX, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. 

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.
Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.
I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX