WillisBack/dataset-financial-user-claim huggingface dataset:
I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.
I have contacted both TransUnion and XXXX to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( TransUnion ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX   XXXX ( via XXXX XXXX ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXXXXXX requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested on XX/XX/XXXX - XXXX  XXXX requested XX/XX/XXXX - XXXX   requested on XX/XX/XXXX - XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX  XXXX requested on XX/XX/XXXX
In XXXX my subdivision had floods and affected XXXX of the houses. we could not get any one to buy our property so we put it on short-sale. The bank did not approve the sale and instead initiated a foreclosure sale on the property. in XXXX XXXX the property was fore-closed. later the XXXX mortgage was reported on our credit report as unsecured loan with each month reporting late. we have tried to resolve with the Bank but they have continued to say we owe them on the XXXX mortgage.
I contacted XXXX XXXX and chexsystems about an account that was charged off on XX/XX/2011. It is explicitly stated that each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. With that said, its been 7 years and I have spoken with XXXX XXXX and the Chexsystem and they each continue to tell me to speak with the other party. This has caused me to not receive employment, be denied from loans and its me and my wife from purchasing our new home. Please remove this account from my ChexSystem report.
I was sent to the ER after a XXXX because of XXXX and XXXX after attempts by XXXX. He told me to go there to get an XXXX incase XXXX. This bill is for that visit and I feel that since the XXXX place put me in that XXXX I should not have to pay for said visit. It should have been taken care of in their office.
Midland Funding LLC is dstill reporting my XXXX XXXX credit card as open. It was paid in full in XXXX of XXXX. They ignore my requests to report it properly. 

This is how it is showing on my credit report : Details Last Reported XXXX XXXX, XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX XXXX BANK Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1000.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you
I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX and First Hawaiian Bank. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
XXXX XXXX  XXXX XX/XX/XXXX {$8900.00} XX/XX/XXXX {$8900.00} CHARGE-OFF {$4000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} CHARGE-OFF {$1000.00} equifax wont remove these fraudulent accounts
This is not my account. I have never dealt with this company that they are reporting to my credit report and they did not prove this was me. They simply said that they verified it. How? I never gave my information to this company XXXX
XXXX XXXX XXXX is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XXXX of 2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. XXXX XXXX XXXX acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Convergant is collecting on bad debt that was purchased from XXXX. FCC ordered XXXX to be removed from credit bureaus from excessive fees that was fraudulent charged.
I have previously submitted disputes to XXXX and Experian regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX In - Amt Obtained {$7000.00} - FRAUD
I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.
I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments.
I signed up for a financing company to finance engine work done to my car. When i was signing up i was told that the have a 90 day pay off before they apply interest rates. I was also told that it would be 21 % after i signed up. I made 4 months of payments and on the day of XXXX XXXX 2017 i was informed that i have a 199 % interest rate which i never agreed on or signed up for. I was never informed or it was never documented that i would have that interest rate.
Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.
My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?
I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted.

I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. 

I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's  policies won't accommodate alternatives.
I was asked to renew my income for an income based repayment plan on XX/XX/XXXX. The information I recived was, "You currently repay your loans under the Revised Pay As You Earn (REPAYE) Repayment plan. Under this plan, your monthly payment amount is based on your income and family size. As part of the REPAYE plan, you are required to recertify annually. Since you are approaching the end of your 12-month payment period, you need to provide your and your spouse's (if applicable) income documentation and verify your family size, so we can recalculate your monthly payment. You must do this even if your income and family size has not changed. Recertify electronically at StudentLoans.gov. We must receive your application by XX/XX/XXXX. If we do not receive your application within 10 days of this date, your monthly payment is estimated to be $XXXX, first due on XX/XX/XXXX." I uploaded the requested information on XX/XX/XXXX. On XX/XX/XXXX I received a statement staying my XXXX bill (due XX/XX/XXXX) will be the total of $XXXX. There was no explanation for this increase from my original monthly payment of $XXXX. I have called twice. The first time (XX/XX/XXXX) and was told to reapply for an income based plan. I did that. On (XX/XX/XXXX) after receiving a notice for further paperwork, I called and was told because my XX/XX/XXXX paperwork was not process in 90 days I needed to reapply for income based. Therefore, because Fedloan did not process my paperwork I am now stuck with an un-affordable payment.
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
I have been trying to freeze my credit with Experian. I had absolutely no problems doing this with XXXX and XXXX. Every time I try to do this with Experian, I fill in my application, and then it asks me credit reporting questions. I know I'm answering them correctly yet each time it tells me that it can't honor my request. This always happens as well when I try to access my yearly free credit report. 

It seems to me they are making sure to reject any request and I shouldn't have to jump through this hoop just to protect my credit and identity. 

Sincerely, XXXX XXXX XXXX
I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is XXXX
Several time from XX/XX/XXXX - XX/XX/XXXX Military has lost personal data for me and my ex -wife and I have since XX/XX/XXXX been fights and still on going to this day. I found out that person or people have SSN #, Birthdate and would call Trans Union and reset my password and order a copy of my credit report. The other XXXX agencies have secret question you have to answer does n't matter if you that the information listed above. But Trans union would reset the password and they get a copy of credit report online now I have a freeze with Trans Union But they continue to try or do open accounts every year. When I called Trans Union about this issue they told as long they have needed information there was nothing they could do but put XXXX credit monitoring on the account.
On XX/XX/XXXX, while traveling in XXXX, I tried to use my ATM bank card to withdrawn local funds in XXXX at a mall. The ATM machine seized my card for a minute without dispensing cash yet I was debited {$65.00} from my checking account. I reported this to PNC over the phone and a dispute case was started. On XX/XX/XXXX, I logged on to my email and PNC bank account only to find out that there had been a series of checks of {$200.00} from a " XXXX XXXX '' written out to " home care '' drawing money off my account on a daily basis up until when I first noticed it on XX/XX/XXXX. I called PNC bank and spoke to a representative who transferred me to their escalation department- XXXX at XXXX. She reported that she would start an investigation on this. I learned today that PNC did not open an investigation until XX/XX/XXXX. On XX/XX/XXXX, I continued to report my complaint at which point my card was cancelled. At this point during my report to PNC, a XXXX, XXXX at XXXX informed me that she was now assigned to my case from the same department. She requested that I change the PIN and security details on my card which I did. I subsequently online transferred all monies out of my checking account to a virtual account with PNC to prevent any further automatic withdrawals and informed them what I had done. At this point, XXXX indicated that she should have thought to have asked me to do that before and she subsequently placed a hold on my account. I informed her that I had several bill pays due during the month at which point she stated that I should inform her when I wanted the hold removed temporarily. Despite the hold on my account, on XX/XX/XXXX, the checks continued to draw out monies from my account, which I continued to receive email notifications about. I screenshot the emails and emailed XXXX with the information and called her to receive an update on the investigation. I left a voice message without response. On XX/XX/XXXX, I called PNC to receive an update and was informed by a representative that PNC had decided to close my account and relationship with me based on the volume of checks being drawn off my account. They informed me that it would be closed on XX/XX/XXXX. I responded to ask why I was being penalized for fraudulent activity that I had no responsibility in and XXXX indicated that it was PNC bank prerogative. She further informed me that while they would refund me the returned check fees, they would not refund the total amount of $ 3200+ drawn off my account by the bogus fraudulent checks. On XX/XX/XXXX, I requested a statement summary of my checking account which she informed me she would mail to my address. She then informed me that PNC was terminating their relationship with me on XX/XX/XXXX and that a certified check for my remaining balance would be mailed out. Again, no recovery of the withdrawn funds has occurred and no information of their investigation was provided.
I have sent 2 letters by certified mail, return receipt to Experian. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Experian received and accepted my letter through registered mail datedXX/XX/XXXX To date I have not received a response. A second letter sent dated XX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Experian dated XX/XX/XXXX To date I have not received a response.
Equifax mishandled my information, which put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.
I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.
Chase Bank has submitted 3 hard inquires to my my Credit Report, I have never applied for a Chase Bank credit card or loan. 

Chase Card Inquiry from XX/XX/XXXX Bank Chase Card Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Chase Card XXXX, DE XXXX ( XXXX ) XXXX
On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}. 

On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter. 

On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me. 

On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account. 

On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before. 

On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature. 

Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ). 

Detailed accounting beginning with XXXX  ( XXXX ) balance and ending with the alleged amount of {$2400.00}.

On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.