WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I attempted to obtain a XXXX XXXX credit card while purchasing a computer at XXXX XXXX. I was not automatically approved and received a letter on XXXX from XXXX XXXX indicating that I was not approved because my Equifax credit information had insufficient number of accounts and insufficient credit experience. Today I pulled both the XXXX XXXX and equifax reports and found that the equifax report was missing a lot of information about my accounts ( compare the two attached reports ). So I attempted to file a dispute online through the Equifax website. While doing so I was posed four questions that appeared to have nothing to do with my credit history so I answered none of the above. The website then indicated that my responses were incorrect so I was not allowed to file the dispute. There is no other way given on the website for me to contact Equifax. I tried all the phone numbers but they simply lead through various automated systems and did not provide a means to contact customer service. 

This gives me great concern given the supposed " hack '' of Equifax information. I am beginning to wonder if my information has already been compromised by the hackers or if the the supposed " Hack '' is a cover-up for a corrupted database. I checked and I am one who " May '' be impacted by the " hack ''. As for the Equifax response to the hack, if they just lost my information, why would I trust them with a 1 year identity protection plan? If indeed they allowed the information to be stolen ( and now possibly perverted ) they need to provide free quarterly credit reports including one from XXXX or XXXX XXXX each quarter for atleast two years. We who are " impacted '' should also be allowed to freeze and unfreeze our credit file for free indefinitely or at least until we change our names and social security numbers at Equifax ' expense. 

My opportunity to save {$88.00} on the purchase of the computer from XXXX XXXX is gone. Is Equifax going to compensate me for that loss? How much more time, expense and frustration will I incur as this situation unfolds? I 've already wasted a good 6 hours on the internet and phone calls.
XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX XXXX 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX/2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.
I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies XXXX XXXX and Experian for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I have given more than 90 days for a response for validation and verification of any original contract with XXXX XXXX. By law Equifax nor this creditor has the right to list any bogus and erroneous account on my credit file without 100 % proper verification of having an original contract document. So I decided to file a complaint with FTC and also a lawsuit against your company at the XXXX XXXX County Civil Courthouse. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are 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 your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided 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 ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately and permanently.
I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus XXXX, Transunion and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
XXXX XXXX XXXX XXXX XXXX XXXX

All Inquires were submitted without my permission.
I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you
XX/XX/18 ... I'm running low on funds.. Trying to apply for payday loan, states my bank is blocking my financial records, have called and to no avail
Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you
American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.
Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely,
I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!
On XXXX XXXX, 2017 I attempted to get my free annual credit reports online. Transunion kept trying to sell me my credit score, which I did not want. They kept asking me for information to " confirm '' my identity. Eventually I did receive my free credit report, however upon accessing my XXXX XXXX  account I discovered Transunion had, without my approval, charged my account {$19.00}. Upon checking I could not discover what service I was being charged for except it was monthly. I was unable to contact Transunion either by phone or email. I immediately contacted my bank and this charge is currently under dispute, but that is no help for me as I live on a small pension and need the money for things such as groceries. 

I had a similar experience with XXXX except they did not charge me anything. In my opinion none of the three credit reporting agencies should be allowed this kind of misleading conduct. Transunion 's site was just plain deceptive as each of the pages of information they required clearly was labeled " free credit report '' and, all three of the agencies kept trying to sell me my credit score, because a lot of the time the word " score '' was substituted instead of " report '', and one just had to be alert for the substitution. XXXX was very persistent in trying to sign me up for additional services, however they finally gave up and informed me I would have to request my free credit report by mail along with two copies of something which I have forgotten. I never gave any of these agencies ownership of my personal information, and they badly need tighter regulation, but probably will not happen in my lifetime.
Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.
I received a Walmart MasterCard issued by XXXX XXXX in the mail on XX/XX/2018 which I did not apply for. The accompanying letter states At the time you applied for the Walmart credit card, an account was not able to be instantly opened. 
I never applied for a credit card and would like to know how this was initiated as I am worried about identity fraud.
Since the transfer of our mortgage from XXXX XXXX XXXX to Shellpoint in XXXX 2016 we have received and continue to receive inaccurate mortgage statements claiming that we are overdue on our mortgage by {$4800.00}. This false claim can easily be corrected if Shellpoint would simply tell us what payments they believe we missed. However, despite our efforts to acquire that information they simply ignore our efforts to provide us that information so we can get this lack of accounting corrected. Since the inception of our loan modification under XXXX to current with Shellpoint we have made all of our payments which are substantiated by our XXXX records. At this point we have no other option but to enlist the help from your Consumer Financial Protection Bureau.
In have written this company once in regards to listing the accused debt several times as a collection. And needs to be removed, its causing my credit score to decrease.
Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.
In XX/XX/2018 I received a shipment of something I did not order. I immediately contacted Chase Visa credit card and they confirmed fraudulent activity on my account. They closed and re-issued my card. 

I checked my account online and noted 2 fraudulent purchases : 1 ) One item shipped to my home from XXXX for {$440.00} ( dated  XX/XX/XXXX ) and another from XXXX XXXX ( dated XX/XX/XXXX ) for {$830.00}. The latter was shipped somewhere else. I made one attempt to call XXXX to request a return label. There was no answer, and I sensed it was a " shady '' company so I did not pursue further. Instead I requested that Chase follow-up with them for return instructions. Although both charges were initially cancelled, Chase later reinstated the XXXX charge claiming that I had " benefited '' from this purchase. ( it is a large kitty litter box which was of zero value to me. ) My complaint is against Chase, in particular their " recovery/fraud '' team. They are based in the XXXX and I have noticed a disturbing pattern during my conversations with them. They made the following false statements to me : 1 ) The XXXX purchase was a " chip '' transaction. 
( This is impossible as it is an online only company. This was easily confirmed by checking their website. Why didn't Chase check also? ) Here is a link, please scroll down to bottom XXXX XXXX XXXX 2 ) XXXX had my email address therefore I must have made the purchase. 
( The address they told me was a XXXX account which I have never had. ) 3 ) They said I needed to send Chase proof that I did not order this. ( I'm not sure how to prove that I did NOT do something. When I asked what they meant by proof they suggested I send a copy of a police report. I did not file a police report nor do I believe it is the job of my local/state police to handle Chase 's online fraud! ) 4 ) They claimed that I had approved the XXXX XXXX purchase when they knew full well that I did not. I suggested they look into the shipment address for the XXXX charge for clues as to who had my credit card number. They said they would have to charge this BACK to my credit card in order to re-open an inquiry. Why was this not part of the initial inquiry? It seems highly likely to me that the two charges were made by the same person and they could find the other shipment address helpful. 

5 ) Finally, after talking to a Chase Fraud supervisor, she scheduled a conference call for today between her ( XXXX ) and XXXX in which I would participate. I called today to make sure this was happening and was told that the records showed I had declined to be on the call. This is totally false! They eventually admitted to me that they had made a mistake in saying that I refused to be on the call. 

I fully intend to close any accounts I have with Chase after this experience. In the meantime I would greatly appreciate any assistance you can provide. 

Sincerely, XXXX XXXX
I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????
I requested verification for this debt because I dont know where it came from and why its on my credit. Submitted disputes it was removed then added back to my credit. Opened XX/XX/2017 debt collector Phoenix collections in the amount of {$230.00}.
On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.
I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.
Chase has reported to credit reporting agencies that the business credit account with them was " charged off '' while the card were paid as agreed and Chase refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.