WillisBack/dataset-financial-user-claim huggingface dataset:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to prove my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened XXXXXX/XX/XXXX am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars.
td bank was not allowing me to access external applications so i was not able to transfer bitcoin into usd into my account
I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX
I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. 
Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. 
With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. 
My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. 
On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. 
To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? 
I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. 
Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. 
The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? 
I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
I was traveling in XXXX in XX/XX/XXXX. When I went out, I got the huge amounts spending notification from my Chase app, I called the customer service right away because I believe the transaction is wrong. When I talking to the customer service, the second and third huge amounts fraud transactions have been made until the fourth was failed. ( They should have the phone voice records ) The customer service said, " no worries if the transaction is not made by cardholder ''. And then I went back to my hotel, someone took my wallet in my room. I called the police with hotel staff assistance, they made a police report for the loss. I did also hire lawyers firm to sue the hotel because the counter passed the keycard of the room to someone who pretended is my brother. I won the lawsuit that sues the hotelin XXXX. The hotel claims are their mistake and proof those transactions not made by me ( because I am in the hotel, not the store ) and the signature of credit card bill is not match with the card. 

I thought I will be worries free with the card but after few months of disputed, Chase XXXX the fraud charges in my account, they said the store claim I took the items away ( but it is the theft, not me ), so they have to re-bill the charges to me. I submitted my police report and gave them the contact number of police, my police report number and the hotel management contacts for them to verify this case. However, Chase recovery team who took care of my case ignored my claim. ( In XXXX, the police don't give the hard copy of the police report, that is the hotel manager told me so they made a proof of police case number ) How is that possible that I have take this responsibility of the charges that not made by me? 
-- -- - CHASE BANK XX/XX/XXXX - XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX -  XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$4100.00}
My Mother passed away in XXXX. She had a reverse mortgage. My brother who is XXXX XXXX lived in the property with her when she took out A reverse Mortgage from XXXX in XXXX. The loan officer told XXXX them that who ever is last to die can remain in the property, They would not let my mother do the borrowers education they had the XXXX XXXX XXXX wife do it. My husband and I decided to move back into the property to pay of the 95 % of the appraised value so my XXXX brother would not be homeless. We contacted Reverse Mortgage Solution, they did the appraisal and gave us a pay off. XXXX from Reverse mortgage told us to put the deed into me and my husbands name. So in XXXX of XXXX we did that. We contacted XXXX XXXX at XXXX XXXX to obtain a mortgage to pay the {$200000.00} Reverse Mortgage in full. He told us everything was fine we qualified. He paid us pay XXXX appraisal fees. After 4 months of waiting we were told we do qualify to buy any home but my moms because its FHA and we should not have put the deed in our name. XXXX only did what the bank told us. XXXX XXXX with XXXX XXXX XXXX XXXX, NJ told us we were fine and to just ignore the foreclosure paperwork. Now as of this past Friday we were told we are approved o buy ny home but my mothers?????? because we switched the deed into our name in XXXX of XXXX upon the advice of XXXX with reverse Mortgage solutions. Now we are faced with being homeless along with my XXXX brother and XXXX XXXX XXXX child. I contacted XXXX XXXX office and spoke to XXXX of his aides. He advised me to file a compliant with your agency immediately to stop the foreclosure until this is fully investigated because Reverse Mortgage Solution still has XXXX unanswered copliants from XXXX Office that they failed to respond to. I have at least XXXX pages of correspondence to XXXX XXXX XXXX who then sold the Loan to Reverse Mortgage. The Original letnder was XXXX who defrauded my mother and XXXX brother now we are being misled by XXXX at Reverse Mortgage and XXXX XXXX at XXXX.
It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.
GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.
Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.
I received a letter from XXXX, Esquire at XXXX, New Jersey XXXX ( XXXX ) XXXX ( XXXX ) XXXX This was received on non letter head on plain paper stating I that this person is an attorney and I owe First Pay Loans {$1700.00} - its stating fake laws that I owe and I have 30 days to respond. 

From research of this company in the past, this sounds like a scam.
On XX/XX/2018 at XXXX XXXX I spoke with a representative from XXXX  regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
I am writing you as a last resort to attempt to settle a debt with your company.  Over fifteen years ago I received XXXX preapproved business credit cards XXXX  I was under the impression at the time that these cards were business cards and that the business was responsible for paying the accounts.  We maintained the accounts for 15 years, even during the lean recession years when our operating credit line was yanked out from under us from BBVACompass.  The business was forced to liquidate, but we continued to pay our accounts.  

In XX/XX/2013, my mother was XXXX and I immediately began to care for my mother XXXX  At the same time I was attempting to XXXX prepare XXXX tax returns, manage my home finances and my mother's finances.  It was also during this vulnerable time that XXXX employees took advantage of the fact I was frequently out of the office and embezzled XXXX from the company.  They were subsequently charged and we are still awaiting trial two years later.  

I left XXXX the company XXXX when the cards were issued, in XX/XX/2013.  Due to the theft, the business was forced to contract and could no longer afford my salary.  I have since learned that XXXX did not take care of the debt and I have been sued by an attorney in XXXX Alabama.  While I am currently employed XXXX, my salary has been cut severely and my savings depleted as I had to care for my mother until she died in XX/XX/2013  

The attorney that Capital One assignment the business account to has sued me personally for the debt of XXXX plus and indicates that it is a means to put pressure on me to pay the debt since the company is no insolvent.  Their exact words "if you don't lose your job, pay the bill and avoid the garnishment."
This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.
I received my Department of Veteran 's affairs XXXX determination XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. Thus, I am exempt from paying property taxes on my primary residence in the state of Texas. 

I have contacted Freedom Mortgage several times in regards to the retroactive escrow adjustment, and to adjust my monthly payment amount to include the tax exemption. They have not adjusted the balances on my account, and as a result they are continually harassing me for a XXXX XXXX payment that is grossly inaccurate.
I was a XXXX Employee a couple years ago at XXXX in the XXXX XXXX Illinois XXXX and had a minor on the job injury. I reported it and they sent me to the hospital, XXXX XXXX Hospital in XXXX IL, on company time to get an XXXX. The XXXX came back clean and the diagnosis was a XXXX in the XXXX. I got sent the bill from the hospital and gave it to my HR Representative at my XXXX location. I was assured that the bill was going to be taken care of at that time. A few months later I got another statement from the hospital stating that the bill was not being paid on. Again I gave the statement to my HR representative and was assured it was going to be taken care of in a timely fashion. I had left the company a few months later and continued to receive statements from the hospital. I was put in contact with the corporate HR who put me in touch with their XXXX XXXX XXXX and they told me it would be taken care of as well. A considerable amount of time has past and I am now getting letters from the state of Illinois Collection Agency about the bills not being paid on. I have repeatedly attempted to reach the corporate offices of XXXX company and there has not been any response. I have also tried to reach the people from the XXXX XXXX XXXX that worked with XXXX and found that the first person no longer worked there and the next person and agency is also not returning or answering calls. This is now starting to pin me in an unfortunate place and the company responsible, the company who had told me time and time again it was being handled, and their partners are being highly unprofessional in their communication and ways of handling the situation.
Mr. Cooper has been taking money submitted as extra payment on principal and applying it as though it were a normal monthly payment and putting the extra interest in their pocket. I have contacted them at least 4 different times about this problem. Each time I am promised that it will not happen again. 

I have attached my most recent statement which contains a fraudulent accounting. As you can see, the initial monthly payment of {$2400.00} was made on XX/XX/18. From this {$1900.00} as applied as principal payment and {$460.00} was applied as interest. This part is correct. However, the statement also indicates that 2 additional payments were received on that date, one in the amount of {$1500.00} and one in the amount of {$2400.00}. These last 2 postings are fraudulent because, in fact, only one additional payment was made and that was in the amount of {$4000.00}. As you can see in the copy of the attached statement, they then withheld an additional {$470.00} as interest. In other words, they stole {$470.00} from my payment of {$4000.00} and put it in their pocket. 

I have had this problem several times and each time a supervisor has promised to fix the problem. Given that this has happened at least 4 times in the last 5 years, I believe this in an intentional effort on their part to steal money. I have to believe I am not the only one subjected to such fraudulent procedures. I therefore request an official inquiry into their fraudulent behavior. Please advise.
Despite two written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
I was left a message that said if i didn't answer the call from this unknown number after three attempts they would be contacting my payroll and HR department. I then called the number and they stated that I owed us bank approximately 1,700 dollars. I told them i knew nothing about this so they emailed me a affidavit for identity theft requesting all kinds of privy information from me and said I had 2 days to complete it. At this point I called them back to find out the companys name and address and proof that they owned this debt and they would not give me any more information.
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While Trans Union was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And Trans Union SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, Trans Union should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XXXX?
CapitalOne closed my cash back credit card, because according to them, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. ''
i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons
As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.
I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. 

On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. 

I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. 

I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. 

I now have my contractor calling day for payment I ca n't provide due to this hold up. 

Thank you.
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past XXXX years, Chase Mortgage has made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into obtaining XXXX. Moreover, I have never received an offer from them. On the other hand, I only have XXXX inquire from Chase XXXX. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about a person 's financial history. This is abusive. Whaat steps is Chase Mortgage taking to insure their employees are not abusing their sensitive information access. 

It confuses me how you would try and tie me to an account that does not belong to me. I received a letter from Chase with a person named XXXX at point of contact. He attached a loan that does n't belong to me and provide a contact number which I have never provided.i will repeat I only have an Chase XXXX loan. Chase needs to explain to me throughly or I will have to take it a step further. 

P.S. USE THE INFORMATION I PROVIDED TO CORRECTLY IDENTIFY THE CORRECT PERSON. DO NOT INSULT MY INTELLIGENCE.