WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America has stated through their research in case # XXXX that my accounts ending in XXXX ( checking ) and XXXX ( savings ) were closed due to two checks totalling {$200.00} and {$200.00}, respectively on XX/XX/2018. Bank of America included a copy of both checks issued from a company called XXXX XXXX XXXX. 
I have never done business with this company nor do the endorsement signatures match my signature. The bank has examples of my signature and should be able to compare ( Please see attached checks ). 
Typically, according to bank policy, I have up to 60 days to notify the bank of any errors once I receive my bank statement. I notified the bank in a timely manner before filing a complaint with the OCC stating that my account was closed due to these checks which I did not have any knowledge of being deposited. 
Bank of America has stated in its correspondence dated XX/XX/2018 that this constitutes " unsatisfactory handling '', and has reported to XXXX  and XXXX XXXXXXXX XXXX, damaging my credit worthiness. Throughout my time with the bank, I have transacted thousands in business, therefore this decision was not properly handled. 

I ask that accordance with Fair Credit Reporting and FACT Act that these accounts be removed from my consumer reports, as I have notified the bank that my identity has been compromised and any unfair reporting is a direct violation of my civil rights.
TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.
Created a bank account with Citibank using promo code XXXX on XX/XX/2016. I funded the account with {$30000.00} on XX/XX/2016. The promo code required to : 1. Opean Citibank Account, 2. fund the account within 30 days with a deposit of XXXX 3. maintain that XXXX balance for 30 consecutive days after the initial deposit was made. 

The promotion was for {$400.00} that would be deposited into the bank 90 days after all the criteria were met. All the criteria were met on XX/XX/2016 ( 30 days after the initial funding deposit of XXXX ). 90 days after XX/XX/2016 is XX/XX/2016. 

As of XX/XX/2016 I had not yet received any credit to my account for {$400.00}. I called the bank on XX/XX/XXXX and was told that the credit was delayed because of the holidays and that a case had been created and I would receive confirmation via Citibank 's online portal system within 48 hours that a case had been made. On XX/XX/XXXX, I had not yet received a confirmation from CitiBank so called again and created another case with employee XXXX. The case number is XXXX. After calling back to ensure the case actually existed, I was told it would take between 45 and 90 days for the investigation to occur. This is unacceptable to me.
I could n't keep up paying XXXX credit card so stop paying I do n't work may hour on my job cause they were slow at the time but now I would like to pay all my debt
I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is report a collection. I want this erroneous information remove from my account immediately.
I entered into a modification agreement with Nationstar Mortgage initially for three   months. I agreed to pay $ XXXX  monthly for the three months and was told that if the modification needed to be extended I just needed to contact them to discuss. I made my payments as agreed and timely, however, when going online to make the third payment I received a message that my mortgage was paid in full.

I then received notification that my home was being foreclosed and sold from underneath me.

I am still fighting this in court and have a hearing XXXX XXXX 2018 objecting to the sale of the home.
I am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments
I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.
I filed chapterXXXX bankruptcy XX/XX/XXXX and it has been discharged XXXX. However, I 'm having some trouble with one particular mortgage lender ( OCWEN LOAN SERVICING ) .. They are listed on my credit report with a balance. They should not be on my credit report as when I filed bankruptcy, I gave up my primary residence which they claim is where the balance of the mortgage is owed. The loan was the XXXX mortgage for that residence. I surrendered the residence so i do n't know why i still owe them. Also, I have never gotten written correspondence from them stating I owe them moning. Furthermore, have never sign an agreement with OCWEN Loan Servicing. I spoke with them today ( XX/XX/XXXX ) and they told me they purchased the loan in XX/XX/XXXX. My bankruptcy period was between XX/XX/XXXX and XX/XX/XXXX. How can they now say I owe them on the phone today. They tried to settle with me today for {$1000.00} even though the balance they claimed has claimed to over {$60000.00}. What is my best course of action to get them removed from my credit report or at least show my account as being closed and no balance? Thanks in advance for our help.
My name is XXXX XXXX and I am the XXXX of XXXX which is the XXXX for XXXX XXXX XXXX. There is a property located at XXXX XXXX XXXX , XXXX, TX XXXX owned by XXXX XXXX. The XXXX abandoned the home about 8 years ago and it has been vacant and deteriorating since that time. Last year we filed a compliant stating the mortgage company, Nations Star Mtg was not maintaining the property. Case # XXXX. I am now told that case is close. The mortgage company did maintain the property on a monthly basis via XXXX XXXX XXXX up until about three months ago. XXXX now states it no longer has a contract to maintain. The grass has not been mowed, the shrubs not trimmed and weeds are all over the property. Nations Star Mtg needs to maintain this property as it is reducing the value of homes in the area. They also need to foreclose as it has been vacant for 8 years now. My phone number is XXXX
CBNA allowed a credit card to be opened in my name as a result of identity theft. My credit file was compromised as a result of the XXXX  Data Breach, and many accounts were opened in my name with out my permission or authorization. I have contacted CBNA about this matter and have never been allowed to speak to anyone. Every time I call I have been told that if I did not open the credit card that they would not be able to speak to me. This has been going on for months and they have this false information listed on my credit file. I have again notified CBNA as best I could by phone and I have mailed a letter into their coporporate office and received no response at all. This credit card was opened fraudulently and has nothing to do with me and I have never received or used a CBNA card.
I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.
Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
I called my loan service provider up last week telling them i want my payments to reflect every saturday till the debt js cleared. My loan service provider agree, so when i got payed on this past Thursday my loan service provider ( Navient ) took my money two days earlier without telling me, that they were going to tell me.
1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX ) XXXX on Monday XX/XX/XXXX at XXXX XXXX   XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion. 

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, XXXX XXXX
XXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXX XXXX  refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
On XXXX I learned of the Equifax data breach. Using the website they set up, I discovered that my personal information had been compromised. I immediately instantiated a fraud alert on the 3 major credit bureaus and reached out to Equifax for details on how to proceed. 

Equifax did not adequately protect my personal information, and has not provided appropriate clarity or instruction on how to proceed now that my information has been compromised. This is a critical oversight for a company that holds so much responsibility for personal protected information.
Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.
I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation
On XXXX separate medical debts, Syndicated Office Systems, LLC, which does business as Central Financial Control ( CFC ), reported to credit without providing me the opportunity to dispute the debt or failed to validate the debt before reporting to credit. There was no communication at all from CFC on a number of accounts. I was not aware of who CFC was until I pulled my credit report and found the impairments on my report. 

When my attorney attempted to contact CFC to discuss the impairments, they refused to speak with him, despite having been provided notices of representation. CFC appear to be improperly using HIPAA as a shield to avoid responding to consumer disputes. CFC claim they can not comply with the validation requirements of the FDCPA without a HIPAA release, contrary to the exception language in HIPAA.
This debt is not mine. I noticed this alleged account showing in collections on my credit report. I have NEVER received so much as a phone call from this company, nor have I received a letter in the mail from this company stating that a debt is owed. I have disputed this twice on my credit report this year, once in XXXX and once in XXXX and both times the credit bureau responded stating that they verified with the collection agency that the debt was valid, however they will not tell me HOW this debt is valid. Even after this alleged verification, I still have yet to receive a phone call or a letter in the mail regarding this debt.
I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.
they threatened a relative left voicemail on relative answer machine they were serving me a certified letter at their residence XX/XX/XXXX18 for an outstanding debt. i have told this company mynumber an my number only. they have called that relative before and i told them they broke federal law-they laughed when i told them i was filing a complaint with the CFPB. They wont even tell me there legal name-i have asked where they are located and they call 5 times a day from diffrent numbers. they say there name is XXXX XXXX they call from XXXX-they guys name is XXXX XXXX he says. THe realtive called the sheriffs department today. NOthing is ever done to stop them.
These inquires were unauthorized. -XXXX XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY 3 times XXXX XXXX IS REPORTED AS A INQUIRY 3 TIMES XXXX XXXX XXXX XXXX XXXXS REPORTED AS A INQUIRY 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX
The undersigned complainant, and thousands of other depositors, are the victims of an ongoing fraud perpetrated by Banco Popular North America, an FDIC insured internet bank. 

I opened a savings account in XX/XX/2016 when Banco Popular offered/advertised an interest rate of 1.15 % apy which was competitve at the time. Some months later Banco raised its adverised rate to 1.30 % apy, then 1.40 % and now currently 1.50 % apy. 

Banco Popular misled it's depositors including me to believe we were earning the higher rate of interest on our savings. In fact, my account and those of many others continued to earn the original 1.15 %. Banco Popular advertises only the higher rate ( currently 1.50 % ). It never disclosed that it paid various rates on savings accounts or offered various savings accounts. Banco Popular never disclosed to this and other depositors that to earn the higher rates it would be necessary to open other accounts. Banco Popular made very subtle changes in its savings account products to mislead their depositors. My 'Popular Direct Savings ' was replaced by 'Popular Plus Savings ' and currently 'Popular Direct Exclusive Savings ' in a fraudulent scheme to cheat depositors of interest we were misled earned.
I have tried since last XXXX to cancel the subscription and EVERY time, no matter the time of day there is over a 2 hour wait, and this is not just me - the XXXX  has a 98 % negative reviews - and most have the same complaint. Phone is the only way to cancel and this practice is designed specifically to stop people cancelling. They should be prosecuted.
OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.
American Express has a credit card issued under my SSN with a {$22000.00} limit. It appears in my credit report. I had never applied for this account and its a fraud account. The name/address/dob on the account does not match mine. I have sent Amex a notarized affidavit of Identity, a copy of SSN card, Driver 's License, FTC report, Receipt of police case and an affidavit stating that I have no XXXX XXXX checking/saving account which they claim I have used to pay for this fraud Amex Credit Card Account. I have raised this issue FIVE times and every time they say " Thank you for bringing to our attention the dispute regarding the account referenced above. We have reviewed our records and are unable to accept your claims since you made the payments. Therefore you have accepted liability for the account. Our investigation has revealed that payments have been made from your XXXX XXXX Account Bank ''. I have five such letters with me. 
They refuse to send me the document based on which they concluded that the XXXX account is mine. I do not have any XXXX XXXX checking/saving account and I mentioned that in my notarized affidavit. 
They sent me the transactions on this account for last 2 years and its very obvious that the account belongs to someone in AZ who had used it in the past to buy airlines tickets also ( names of the passengers are in the transactions ) They have refused to close the account, even though I have requested this FIVE times. 
They have refused to send me the XXXX documents unless I attest that my name is the one which appears on their records ( wrong name-wrong person- they are using my SSN ). 
This has been going on for 1 year now. So if the person who has this fraud account under my SSN decides to buy something for {$22000.00} and not pay back - Amex will hold me responsible. 
They want me to get a notarized letter from XXXX XXXX that I have not paid for this account. I can not get such a document as the XXXX XXXX Branch Manager says that they can only give a letter for the accounts I have, but not a letter stating that I do not have any accounts. 
The customer service from Amex has not been helpful at all and they refuse to even do a reasonable investigation or send the documents they have used in reaching their conclusions. 
Its almost like Amex is holding me hostage to Identity fraud and waiting for the fraud account holder to commit a fraud and then go after me for collection. 
I am extremely frustrated with Amex and their harassment.
I sent a payment to PennyMac to bring my escrow account into the positive after my year-end review. The payment was sent with a note specifically stating that the money was to be directed towards the escrow and not as a regular monthly payment. I sent a message through their online portal to address the issue on XX/XX/XXXX. However, I have received no follow up from PennyMac and I do not wish to communicate over the phone as I have done that in the past and been told the wrong information, which I could not prove since there was no 'record ' of the conversation.