WillisBack/dataset-financial-user-claim huggingface dataset:
I received in the mail an unsolicited credit card in my deceased husband 's name, at the address of the family farm for XXXX XXXX Preferred Card with a {$500000.00} available credit. Only tele-phone number is to activate card ( XXXX ), same with email address ( XXXX ). I could only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about identity theft and that something awful could happen to my finances as a result of this. I want to be sure that it wo n't influence my credit score or reporting. The letter that came with the card has the disclaimer on the back that it is not an offer of credit, but that XXXX XXXX wants to verify financial information and credit worthiness. I want to be sure they can not access this information. It is not possible to contact the company directly since the only available phone number or address are to activate or seem to be fakes.
On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.
I am concerned about the applicability and reliability with your latest examination as well as the overdue payments pertaining to this account and exactly how it is reporting on my credit report.
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiry request as listed below.
I have several checking accounts with keybank, somehow I got enrolled into the rewards program for all XXXX checking accounts. I called keybank and a gentleman Serviced my accounts he cancelled the rewards programs on all XXXX accounts and said I will receive a refund {$40.00} service fee for each account enrolled, that is should show up in 24 hours it is now several days. I called again and got a run around. I am no longer enrolled in the rewards program but they kept the {$40.00} service charge for the each of the XXXX accounts. the accounts in question is XXXX,XXXX,XXXX. I had planned to close XXXX of the XXXX accounts but I am waiting till this matter is resolved
My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.
In attempting to refinance my 40 yr mortgage to a 15 year mortgage ( Which I believe we were completely taken advantage of during the recession ) declined us stating a lien was placed on our property - with no proof of such a lien even exists. In the meantime my credit report is good and my standing with Ditech is good - always on time. I believe they are deliberately trying to keep us in the 40 year loan solely for shear profit making. Please Help!!!!!
An auto loan with  XXXX   XXXX  appears on my credit report with the status " charge off '' and a balance of {$0.00} - this is correct, because the car was turned over to  XXXX   XXXX  and they were given possession. A collection agency called  XXXX   XXXX   XXXX  is also reporting a debt to  XXXX   XXXX  with a balance of {$23000.00}. This is not accurate as the account was with  XXXX   XXXX  and the correct balance is {$0.00} due to possession of the car an d ( t he {$23000.00} asset ) having been given to  XXXX   XXXX . I do not have any account with  XXXX   XXXX   XXXX  as my balance with  XXXX   XXXX  is {$0.00}.
Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please help.
During 2013, I was leasing to own a vehicle with Mark One Financial and one time I was late between 30-59 days. I was paying on-time and up to that point and every single month afterwards I was never late. I asked while I was still under contract with them if I could have the late removed they said no. I asked again with a goodwill letter if it could be removed and again was told that the decision to be made was it would stay. It has been my only late with a vehicle and the only one listed on my credit report. If you could please assist me in getting this XXXX late removed on my credit report it would help me. 

Thank you
I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!
In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}.

XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.
Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!
Bank of America debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at BoA. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called BoA customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, BoA charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty BoA systems.
i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info
My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.
I am a single parent and received no support from my daughters father. I signed for parent plus loans, and eventually consolidated my XXXX loans with the parent plus loans. Because of current rules related to consolidated parent plus and my loans, I am not eligible for low income rates or loan forgiveness. I spent all of my career providing care for underserved populations, whci normally provides loan forgivness programs. since I consolidted the loans, I am not eligible for any of these programs ... .this is so wrong! Also, apparently my loan and personal info. is availabe to scam people and I got a letter from " XXXX '' a fake agency ... .our persoanl info should be protected from anyone getting it ... my loan agent is Navient. How did this XXXX know my name, address and loan specifics??????? unless it is easily available. At the least, it should be protected personal information ; there needs to be strict laws protecting our private loan info, along with our name and address ... etc.
This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.
I purchased a new vehicle in XX/XX/XXXX or XX/XX/XXXX. The car was financed through Santander Consumer USA. I am not sure what kind of financing practices they use, but after 5 years, and seeing that the principal was still extremely high, I decided to just let the car go back because there was no way I would be able to pay it off. The car was originally around {$24000.00}. After 5 years, the payoff was still over {$20000.00} as of XX/XX/XXXX. I believe their finance practices are illegal and so I am reporting them at this time. In XX/XX/XXXX, I tried to trade the car in but owed so much that the dealership told me to keep it. At the time I attempted to trade it in, the value was only between {$8.00} to 10,000.
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
American Express and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. American Express is reporting my account late for the past three months, American Express isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.
I have disputed this account over 4 times. You continue to report this account and have not provide me with the verificiation I request. promptly DELETE all information which can not be verified. I intend to pursue all my legal rights on this
I was gifted a home. The.previous owner passed away XX/XX/XXXX. A month ago a man came and gave her papers saying there was almost {$400000.00} owed on a metlife home mortgage from XX/XX/XXXX & house is going to auction XX/XX/XXXX. It 's impossible. Before previous owner passed he was very organized and.kept extremely detailed records of everything. He owned multiple homes and.properties in XXXX, XXXX and XXXX. Also he personally helped multiple people out when they were at risk of losing there homes he bailed em.out and they made payments to him. One person specifically owes him a substantial amout of money & filed to start a buisness under the name and address of the.deceased prior to death. It is possible that this same person is the one that indeed took this reverse mortgage. I have paperwork.for multiple mortgages a in.the same time.period with this person being added to the deeds. There is so much I cant even.begin.to explain. But there is documentation to.back.up what I saying. And the conservatives took over my friend the deceased property and stopped making payments then tried to.have.me evicted which was thrown.out of court then in turn files probate and abandoned the home and never notified me of anything. They.new I lives here the.previous owner is the.one that told them.to.let.me move.back.home and to.dismiss the eviction they had placed on me. Its absolutely devastating what these people multiple people did to.my.elder my friend up to his death.and.now years later they.are trying to take the home that was given to.my grandson.and.myself. Another thing the property is only valued at approximately {$150000.00} @ the time of the loan why would any.mortgage company loan. {$420000.00}. & I have the starements showing every single month.payments were being made up untill the.conservators took control.of his bank.accounts. And if there really was this money.owed why.would n't it be paid off in.probate he had top notch insurance and more than {$200000.00} in multiple separate accounts and owns multiple properties. Please help me.my.home.goes.to auction at XXXX and nobody seems to.care that people are defrauding elderly and mortgage companies.
On Wednesday, XX/XX/18 I spoke with an employee from IQ Data about a debt I owed. I explained that I planned on paying it the following month. The representative informed me that I had options to pay monthly if I contacted a list of third party providers she gave to me, which ended up being loan companies. She told me that if I agreed to pay {$100.00} that Friday, she would put a stop on the debt before it hit my credit report. I agreed. She began the formal process of approving the payment ( Do you authorize IQ Data to take a payment of {$100.00} ... etc ) and I agreed. The following day, she returned my call and asked if I made payment arrangements with one of the companies. I informed her that I was not interested in getting a loan and would pay the following month as I originally stated. She became rude and aggressive, saying that it would hit my credit and never be removed. I explained that when I paid the debt I would have it removed. She continued to escalate and argue so I terminated the call. The following day, the company attempted to take a payment for the entire amount, {$2200.00} which I never agreed to. They were declined by the bank both times. They then proceeded to charge smaller increments to avoid the daily charge limit. They were able to charge {$1000.00}, {$500.00}, {$500.00}, {$100.00}, and {$100.00}. {$2100.00} of that was never authorized or approved. This was clearly fraudulent and deceptive activity as they were purposely trying to circumvent banking rules. I attempted to call the company back and they would not answer.
In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me!
There are  XXXX  accounts that do n't appear to be mine Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$2500.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$560.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$3600.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$440.00}