WillisBack/dataset-financial-user-claim huggingface dataset:
I took a look at my credit report and noticed several inquires as well as accounts and addresses that I did not authorized. I did notify my local police department upon checking my credit report, and have reached out to all credit bureaus about these accounts with not much success. This situation has caused me financial and emotional stress. I would like the fraudulent accounts removed from my credit profile immediately. Below I will list the fraudulent accounts found on my Experian account ACCOUNT : XXXX XXXX   BALANCED : {$800.00} ACCOUNT OPENDED:XX/XX/XXXXACCOUNT NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$6200.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$3800.00} ACCOUNT OPENED:XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4100.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED :XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$2400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  Fradulent Address : XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX  Fraudulent Inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  ,
on XX/XX/2018, Vonda J. Dunn Attorney used illegal debt practices to get money for Home Owner Association Fees. She was told by lawyers she could not collect XXXX and instead took the money prior to the bankruptcy and moved it over to post bankruptcy allowing the courts to take my money from my daughters account. Her social security number is not associated with any of my accounts. Vonda Dunn repeatedly refused communication and I had already paid over XXXX on this account. She has repeatedly used illegal debt practices to collect on this HOA account. I want restitution on this.
Equifax has had months to investigate fraudulent erroneous transactions on my credit. I have provided these people with more documents than they know what to do with. The problem is, they do not feel they have to follow the statues of the FTC and the FCRA. I have disputed XXXX XXXX several times. I have sent them certified copies of the documents I requested. I have explained to them the identity theft I am facing. I received from XXXX today a copy of a truth in lending with the wrong address claiming I resided there when this so called vehicle was purchased. Equifax does not want to remove it. I have sent numerous letters to them stating what I sent to XXXX. I have provided them with police reports and FTC statements. Clearly, this is a case of negligence on their part. They are ding nothing to investigate this, they are just prolonging it so I can not get my credit where it was prior to the theft. Equifax even deleted the original freeze/fraud date from XX/XX/XXXX and put XX/XX/XXXX. They are not in compliance and they are skating on not following the statues. If XXXX will not produce the documents, then they must remove it from my credit file. They are being difficult on purpose. This has been going on since XX/XX/XXXX. If this continues, I am going to retain an attorney and sue them on the grounds of negligence. Equifax for some reason wants to keep these XXXX delinquent accounts on my credit. The other is XXXX collections. They claim they are attempting to collect a debt from XX/XX/XXXX in XXXX, RI. Well, first of all, when I spoke to them, they claimed it was a debt from XX/XX/XXXX in the home I grew up in with my parents, now I see they are claiming it was from XX/XX/XXXX in XXXX, RI. Well guess what? I was n't even residing in XXXX RI in XX/XX/XXXX and I also did not have service in my name. Therefore, if someone did then they stole my identity yet again. The credit bureau is not doing their due diligence at all and they are simply taking the word of these people who are lying and ruining my credit. The FTC needs to step in and handle this. They need to see to it that the statues and rules are followed as outlined because they are certainly not. The reason they do n't is because a consumer can complain and complain and no one does anything about it. Therefore, it is a waste to complain. The bottom line is I do not owe either one and I am not paying either one. If the CFPB finally chooses to enforce the laws put in place then great. If not, I suppose I will see these people in court. I am tired of their procrastination and their lies. This should have been removed long ago. Especially when I proved I requested documents via certified mail. This meets the standards of the identity theft victim assistance via the FCRA. However, as per usual no one is enforcing it. I am not waiting 30 more days to see that they still have n't removed it, I will retain an attorney and seek damages and prove Equifax is negligent. I hope that some of these incompetent people are fired because they are careless, cold people who do not try to help. This is a government agency, therefore, nothing gets enforced.
Equifax Free Credit Report Online Response-XXXX  XXXX 18 -  Applied for credit from a company that used Equifax 's score of my credit to determine my credit rating. Since this score is lower that XXXX   and XXXX, I was curious to know why and wanted to exercise my right to receive a free annual copy of each report and its contents. Requested a copy of my annual credit report from all three bureaus. Received copy from XXXX  and XXXX. Equifax will not provide online report and requires you to send in a manual form. However, in addition to the form, they request you input your social security number, a copy of your pay stub, a copy of your W-2 form, drivers license, and current utility bill. All of this information being sent through the mail will put your identity at a huge risk and is unfair to the consumer. They are required to provide the report, but refuse to do it without putting the consumer at more risk of identity fraud. 

This is a breach of the law to provide consumers information. I do not want to risk putting all my personal information in the mail to have it vulnerable to identity theft. Their method of providing a report to you ( through the mail ) and requiring the consumer to put all their personally identifying information ( PII ) in the mail is wrong, is a disservice to the public and a slap in the face to the Federal Law that requires them to provide the annual report. This is a travesty and should be addressed. Thank you for hearing my complaint.
I have made several attempts to resolve a account with Bank of America which they have been unhelpful. The closed my account without notice for fraud and I had no idea I was a new customer and a service member I was unable to get funds back from direct deposit or open another accounts due to false reports this has affected my reports with other banks.
{$5900.00} my card was lost and stollen and they did not close it when i called mulitple times and my card got maxed out. I have never maxed out a card in my life and had perfect credit until this happened. I am a XXXX XXXX XXXXXXXX and need this fixed as soon as possible. 

Capital one Case # XXXX Already reported to credit companies Reported to them phone call and mail Already did big fraud packet for them. 
They have done nothing but send letter after letter saying i owe all that money. 

They recieved my fraud paper work XXXX XXXX from what they told me on the phone. I called again on XX/XX/XXXX and they were still working on it. Nothing had currently been done. More paper work sent out XX/XX/XXXX. They said they sent me emails that same day. I have 0 emails. Told them if i do not get this resolved i will contact a lawyer this is ruining my life and my familys life. 

Ref # XXXX Fraud department # XXXX Talked to XXXX XXXX. 

Still nothing has been done. 

Please help
I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.
Citibank refused to honor me welcome bonus XXXX XXXX miles after I have met all requirements of the advertised promotion on opening new credit card. [ Requirements : {$4000.00} purchases by XX/XX/XXXX ] I have made $ 4000+ purchases by XX/XX/XXXX. 
However, Citibank refused to issue the miles by abusing advertised terms over definitions of 'posted dates ', instead of using the actual 'purchase dates ' to calculate the time during of 'four month ''. Specifically for two transactions I made on XX/XX/XXXX. 

Transaction # 1 : XXXX XXXX XXXX XXXX XXXX CA {$200.00} Transaction # 2 :  XXXX XXXX {$65.00} The date when both of transactions were made is XX/XX/XXXX.  PDT ( the timezone where my profile address locates ) Citibank argued that : by XX/XX/XXXX. I made less than {$4000.00} purchases because two transactions were posted on XX/XX/XXXX. 

I am absolutely aware of the fact that time difference between posted date and purchase date for credit cards. However, Citibank should have made the terms clear in Welcome Bonus requirements : for example : {$4000.00} purchases in first four month ( purchases date are the date being calculated into the first four month ) ... etc.. According to the promotion invitation letter I have received from Citibank, there was no such clarification. 

Therefore, Citibank exploited its confusing and misleading advertising terms as excuse, to refuse to issue welcome bonus to me as a new card member. 

Thereby, I am seeking for a fair solution from Citibank through CFPB platform.
On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
I purchased a round trip ( non-refundable ) ticket ( XXXX XXXX XXXX ) with XXXX ( XXXX XXXX ) using my AMEX card in XX/XX/XXXX. On my departure date, I arrived at the XXXX airport and the check-in process was routine. They asked me to provide bags that were being documented and was asked how many carry-ons I had and told them one ( which was a wireless blue tooth speaker ). They provided me my tickets and told me proceed to departure gate. I arrived at security ( XXXX equivalency ) and was told that my carry-on was NOT permitted. I asked what the reason was ( considering that the dimensions of my speaker were much smaller than the permitted size ) and they could n't provide me an answer. Security told me that it was an airline policy and referred me back to the ticket counter. Upon arriving at the ticket counter, XXXX ( airline ) told me that it was a security policy. I then headed back to security. Make a long story short, security nor airline could tell me why I was n't permitted to board with my carry-on and could n't accept responsibility. I asked the security person to accompany me to ticket counter and vice versa, but no one was willing to adhere or help. As a result, I missed my flight. I called AMEX to file a dispute XX/XX/XXXX, but was told to hold off on the dispute until I returned because there was concern that if I filed the dispute prior to my return that possibly my return flight would be cancelled by the airline. AMEX recommended I purchase another ticket ( which I did ) using my AMEX card under XXXX. I made the trip and upon my return home I filed the dispute ( Case # XXXX ). I provided AMEX all of the aforementioned facts and they submitted the dispute to the merchant ( XXXX ). Several weeks elapsed and received a response from AMEX stating that the merchant declined to credit on the premise that I used the flight. I then explained to AMEX that I only used the return flight with XXXX because XXXX and/or security did n't allow me to board and that I subsequently purchased the ticket with XXXX. AMEX proceeded to submit a second dispute and they asked me to provide the attached supporting documentation ( from XXXX ' website ) which stipulated that my carry-on was n't permitted. Needless to say, XXXX ' website did n't prohibit this carry-on based on the airline 's posted requirements, but nonetheless AMEX said the merchant ( XXXX ) did not want to budge. As a result AMEX sided with the merchant now under the premise that my ticket was non-refundable which in my opinion does n't factor in because this would have been avoided had they allowed me to board the flight. I asked AMEX and specifically XXXX ( AMEX XXXX XXXX Call Center Manager or Account Manager ) to either do the right thing and credit me the amount of the ticket to XXXX XXXX ( which I missed ) to retain my business or refuse to do so and lose my business. He opted for the latter and I 've asked him to close my account once the next billing cycle completes so that they can apply my remaining points. I am requesting your involvement for a reversal of the charge in the amount of {$210.00} on the premise that there was no wrong-doing on my part.
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the Cap1 agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that Cap1 took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX  in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.
I filed Chapter XXXX bankruptcy at the end of XX/XX/2018. 

All of my credit cards were closed as of the end of XXXX ( by either myself or the credit issuers ). 

I was not late on any account prior to filing Chapter XXXX. Both XXXX  and XXXX  are accurately reflecting my payment history, closed account status, etc., BUT NOT EXPERIAN. 

Even though I filed in XX/XX/2018 and all of my cards were closed and never late - Experian is reporting 17 different late payments. What Experian is deceptively doing is counting every account I included in bankruptcy as a late payment in the month of discharge ( XX/XX/2018 ). 

They are violating FCRA, and my next step will be to attempt to get a ruling of {$1000.00} for each inaccuracy in a court of law.
Previously disputed and submitted court documents and had the item successfully removed since this item never made it to judgment and was paid prior to making it to judgement. But now it is showing back up on report again.
I have had a card with U S Bank for three yr ( or longer ) and never missed a payment plus I am not over limit never have been and I recently have had some problems so my credit is lower I am working diligently to get all my cards paid and never miss payment. U S Bank decided to jack my interest rate to 23.74 % because they ran a recent credit report. The reality is they are screwing the consumer and with this interest rate I can never climb this mountain and get them paid. This is usery. If they want to help someone like me they could but this is just XXXX the little guy when he is down. I had two cards wsith them Both had never had late payment or been over limit. The cut the limit on the other which negatively impacted my credit score because it affected by utilization percent and now they have done this.
Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage.

I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. 

This problem continues to cause me great XXXX and XXXX of the thought of losing my house.
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place.

PROBLEM : I can not remove a freeze nor can the lender access my credit report.

I have made the loan application and have three days to resolve the access issues.
Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went XXXX XXXX
I HAVE HAD MANY FRAUD TRANSACTIONS ON MY WELLS FARGO VISA CARD AND I HAVE REPORTED IT TO THEM EVERY SINGLE TIME THIS HAS HAPPEN TO ME.. EVER SINCE XX/XX/XXXX MY CARD HAS BEEN CHARGED WITH THINGS THAT I NEVER AUTHORIZED AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES.. I WILL LIST ALL THE TRANSACTIONS ON HERE FOR YOU TO SEE. I KNOW XX/XX/XXXX IS VERY OLD BUT PLEASE IF YOU CAN SEE HOW MANY TIMES THIS HAPPEN TO ME AND WELLS FARGO VISA NEVER BACKED ME AS THERE CUSTOMER AND NEVER WANTED TO GIVE ME MY MONEY BACK. THEY WERE RUDE AND IGNORANT TO ME TELLING ME I WAS A LIAR, WHICH I AM NOT.. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX   XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX   - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX   XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX THESE ARE ALL THE CHARGES THAT WERE POSTED TO MY ACCOUNT THROUGH THE YEARS AND I NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES.. I HAVE TRIED TO CONTACT MOST OF THEM AND LOOK THEM UP BUT I HAD NO LUCK BECAUSE THE PHONE NUMBERS WERE DISCONNECTED.. PLEASE HELP ME GET MY MONEY BACK. PLEASE I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME..
My XXXX account was cancelled and replaced with XXXX. We were not on any contract and cancelled before any payment was due to XXXX.