WillisBack/dataset-financial-user-claim huggingface dataset:
On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Bank of America. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed " suspicious. '' On the most recent occasion ( today ), I was told that the error was a " mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Bank of America, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Bank of America to compile every occurrence in order to accurately complete this complaint, but I was told that Bank of America associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Bank of America that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time. 

The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Bank of America should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated.
This company keeps sending me bills for XXXX XXXX XXXX bill that belonged to me tenant in the upstairs apartment. Not sure how the bill got in my name but they keep harrasing me about it and even put it on my credit report.
Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX  in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.
This is my THIRD complaint through this agency. I have sent off several certified notarized letter to Experian, advising them to remove unverified information on my credit report. They are REQUIRED BY LAW to have a copy of my contract with MY WRITTEN SIGNATURE ON FILE AT ALL TIMES. They do not have a copy of a contract with my written signature on file for the items I have listed. They have been and CONTINUE TO BE IN VIOLATION OF FEDERAL LAW. This is a copy of my final letter sent to all three companies. 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. There are three of the same items on each credit report that has not been removed. they are in violation of the law and have refused to removed those items even after being made aware of their violation. they do not have any documents on file with my original signature as verification of my alleged debt and they have not sent me any copies as proof. 

XXXX has already removed ( XXXX XXXX XXXX ) because they were in Violation of the law. They are in the process of removing the rest. Comply with the law. This will be used as a record against you in court.
This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. 

The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.
This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.
on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?
I have had several Wells Fargo accounts over the years. They have charged me thousands of dollars in late fees and various other charges.
I was in Bankruptcy and my mortgage was sold by XXXX XXXX XXXX to Fay Servicing. When I received notification from Fay Servicing I called and set up my account online with them. I made a payment and told my rep that I would like to set up a repayment plan for the arrearages. I was told to fill out modification paperwork which I did and submitted on XX/XX/XXXX. After that they would no longer accept payments from me. I asked them to just resume payments and give me 12 months to pay off the arrearages. My Rep said he could do that after I completed the modification process, he said even if I did not qualify for modification he could get 12 month arrearage payback accepted by Fay. After countless calls and emails to my rep to finish this up all I ever got was requests for more documents and I was told everything had to be in before they would review my application. Finally after more phone calls and emails to my rep and submission of many documents over and over because they claimed they never had them I received a letter from Fay on XX/XX/XXXX stating they had a complete package and would get back to me within 30 days. On XX/XX/XXXX I received a letter from Fay saying they need additional documentation which I sent to them. They confirmed that they had everything needed. After a couple weeks I had not heard from them and I called to find out what was the status of my application. I was informed that I had now been transferred to a new rep for the third time. She explained that they now needed additional documentation and I had to get it to them by XX/XX/XXXX. I sent it to them on XX/XX/XXXX. On XX/XX/XXXX I found out they had put my Mortgage up for auction date of XX/XX/XXXX. Again I called Fay and was told that since my mortgage was listed for sale and we were within 38 days of the sale that they would no longer consider me for modification.
I try to sign up for Uber and is coming out that I have a A misdemeanor In Florida which does isnt true that time that I lived out there I did not get in trouble at all with the law
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit reporting agency to still be listing this account.
I have tried filing disputes concerning personal information listed on my XXXX, Experian and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, XXXX and Experian on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine.

My name is incorrect on all three and I have provided them the correct in
formation My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.
My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.
I wrote a letter to Experian Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ...
I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.
I was a XXXX customer back in 2015 and was sent a letter from the credit agencies telling me that there was a XXXX data breach at Equifax credit reporting agency. I sold my phone that I paid off to XXXX. I later cancelled my XXXX for slow Wi-Fi and trade my phone service in to XXXX. While frequenting XXXX online I was sent numerous login confirmation stating my phone device was logged in from a XXXX service provider. This occurred for the entire time I had the XXXX telephone number. During this time as I tried to login they requested that I upload my government i.d . Card or they would n't allow me access to the XXXX website and my account. I suspect fraudulent activity and possible i.d . theft by XXXX and XXXX
I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You
In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
I have disputed the late payment status reported on the account XXXX XXXX XXXX with Experian and XXXX for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be removed.
Banamex USA cancelled my credit card number XXXX XXXX XXXX XXXX on XXXX 2015, I reported the issue with CFPB XXXX and did not get a solution to my problem. After that I decided to apply for a credit card in another bank and it appears that my credit report does not include my Banamex USA credit history. I sent a request to Banamex USA to correct this on XXXX/XXXX/2015 and they responded that they could not. 
I need my credit history with Banamex USA to be included on my credit report, my social security number is XXXX.
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Urgent! 
1. The BANK FORECLOSURE SALE is scheduled for XXXX XXXX, 2016, in three weeks! 
2. The bank is not cooperating with me. 
3. The bank is sabotaging mortgage modification by delaying and requiring more irrelevant documents. 
4. That 's the only roof for my XXXX kids and me. 
5. The bank is causing me severe hardship. 
6. The bank is forcing me to file bankruptcy. 
7. My ex-husband is the borrower on the mortgage and I am the co-borrower. 
8. I am employed and can afford monthly mortgage if it is modified. 
9. I definitely qualify for Obama mortgage modification program. 

I am still in the process of divorce, a XXXX single mom, with XXXX minor children, need your help to save the roof for my kids and me. 

My ex-husband and I have been the owners of the house for almost 20 years. 3 years ago he left the house without any child/spousal support and any help to pay mortgage. The house was put in foreclosure with the BANK FORECLOSURE SALE scheduled XXXX XXXX, 2016 regardless the fact that I found a good paying job, working from home due to my XXXX, and was successfully paying mortgage for many months. 

A couple of months ago the bank told me that foreclosure could be postponed if I apply for mortgage modification but they keep on asking for more documents. I did apply and by now I have submitted close to XXXX documents. In addition, now the bank is asking for my ex-husband 's tax return and income and expense, which he refused to submit. He is unemployed currently and has nothing to do with my mortgage modification application. I am financially sound and I am the one to apply for mortgage modification.
I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.