WillisBack/dataset-financial-user-claim huggingface dataset:
I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.
I have disputed this account several times with TransUnion, this item is past the statute of limitations and shouldn't even be listed nor was my dispute ever read or addressed per TransUnion response. TransUnion is the only agency listing this past the statute item. 

I'm requesting some help as there are so many inaccurate information. Date paid XX/XX/XXXX, but past due remarks after date paid. I'm requesting this be removed at once. XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX, XXXX XX/XX/XXXX date paid, please see attached as TransUnion never read or addressed several disputes to their agency.
I opened a Checking account with Chase on Saturday, XX/XX/2018. I made a deposit of {$720.00} to open the account. I made a withdraw the same day of {$700.00} left only what was neede to open the account. XX/XX/2018 a deposit from XXXX XXXX account was posted {$310.00}. On XX/XX/2018 My account was closed due to the bank not being able to keep an account opened for me. At this point there is {$340.00} in the now closed bank account. I contacted the bank XX/XX/2018 to find out what was going on, they explained that the account was closed and that they will send a check 7 to 10 days from when the account was closed or approved for closure. Thursday XX/XX/2018 a check in the amount of {$25.00} came in the mail. I contacted Chase and asked about the {$310.00}? they then explained that they needed to verify the money was mine and then they will release a new check. I walked in to the bank Monday XX/XX/2018 to verify the money was mine. They said it is verified and now they will need to send a check. It is now XX/XX/2018 and I still have not received the {$310.00}. I called the bank several times and they say the money is approved, they just need to send the check, and that I will get a check when they get to it. No letters or emails where ever sent to me to let me know what was going on. I cant log on to my online account to see any statements or letters. Now my XXXX XXXX XXXX is going to be cut for lack of payment due to all of this.
XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Equifax and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. I sent 32 pages to reflect proof of my 81 month payment history and credit report to Equifax on both XXXX XXXX Accounts. Equifax and XXXX XXXX refused to correct my payment history. Desired Settlement : Correction to a credit report Desired Outcome Description : Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score with Equifax. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to present on both XXXX XXXX Accounts. Additional Complaint Details Date Problem First Occurred : XX/XX/XXXX First Date you complained to the company : XX/XX/XXXX. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.
On XXXX/XXXX/XXXX. I called and made my Kohls payment via automated system. My bank account had sufficient funds to cover the {$52.00} payment the automated system said I owed. I entered my correct bank account number, and the system said hold while we process your payment. After a brief hold It said payment successful. I received a confirmation number XXXX. A few weeks later I went to Kohls and the card declined. I was shocked I have had this card from XXXX and never missed a payment or came close to this card 's limit. I called Kohls and they said our payment did n't go threw. REASON : Incorrect account number. After lengthy conversation with customer service they were able to get the last XXXX digits of account number used. It turns out the numbers were the XXXX digits before the last XXXX digits of my account. The system made an error and did n't compute the last XXXX digits of my account. 


At that time I asked what the total balance was and I paid in full. The total balance given to me was inaccurate and they sent me a refund check several months later because they had given me inaccurate high balance .. Also that day I asked if this system error was going to affect my credit and I was told yes because it made us 30 days late.. I asked to talk to the department that handles disputes. I was told they have no contact. I was told they would initiate the dispute and correspond with that department, After getting very frustrated they told me I can also send a letter. We promptly sent the letter to the XXXX XXXX XXXX We waited over 7 months and no response.. I am finding out months later they never Informed the credit bureau of dispute.. Calls letters, and emails over months with no resolution. I recently started calling customer service again, and XXXX to last Call to Kohls XXXX XXXX XXXX I recorded, and was told they would call credit burrow and correct their error made by automated system. But I followed up and was told nothing is in the notes.. call was made on XXXX XXXX at XXXX and taken by operator ID XXXX if recorded call is reviewed it will show just another lie told to us. On XXXX XXXX XXXX almost a year after our original phone calls and letters we get our first response that states. 

" I am very sorry to learn of your difficulties while making your payment. While this is certainly an unfortunate circumstance, I am unable to adjust your credit profile. 


1 ) I have been Kohls cardholder from XXXX never missed a payment. I have XXXX home loans, XXXX home equity loan XXXX limit, XXXX auto loans, XXXX student loans, and XXXX revolving credit lines in total XXXX limits, I have zero missed payments other than the {$52.00} Kohl 's automated system error. 


2 ) I paid XXXX other cards via automated system using same account same day with zero issues. 


3 ) I ENTERED CORRECT ACCOUNT NUMBER, and after the system said hold processing payment It said payment successful and gave confirmation number. I would have no reason to believe my payment was not processed. 


5 ) I was told 7 months ago they were initiating a dispute. It took months of letters and phone calls to even get XXXX response.
I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

Thank you.
On XX/XX/2018 my Netspend/ XXXX XXXX debit card that I use was compromised while I was at work. During the time of the fraudulent activity I was at work and the card was in my possession. In the hour between XXXX XXXX- XXXX XXXX I received a total of 11 notifications of withdraws being made on my account from an ATM located at a gas station. I immediately notified Netspend of the fraudulent activity, and canceled my card. I also did what they requested and filed a police report and sent them a copy of the police report the same day that this incident occurred. I also offered to send a copy of my punch card to verify that I was at work during the time of the fraudulent activity in which they declined and said that they had all the documents they needed. 

I waited a total of 10 business days for them to investigate the fraud with out getting the money credited back into my account. On the 11th day they notified me that they did not find any errors and were not going to credit my account the {$1600.00} that was stolen out of my account. However, according to the Netspend website they follow federal regulations in which they do not allow more than 6 ATM withdrawals and the withdrawals can not exceed {$940.00} in a 24 hour period. So Netspend did make an error in that instance. Also any time a fraudulent charge appears while the card is still in the card owners possession the company is required to cover it. For all I know the fraudulent activity to my card could have been an inside job since there were obvious errors made on their end, and they declined the offer to additional documents proving that I did not make these charges.
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance.  A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
I 'm a user of cryptocurrency trading platform, Coinbase. I verified my account with my State ID card ( which the app and website confirmed ) and to this effect, I was granted increased buy/sell limits as well as a USD wallet. In fact, I was able to withdraw {$2000.00} from my XXXX XXXX account into my Coinbase USD Wallet. Prior this getting a USD wallet, I could purchase up to about {$2300.00} in cryptocurrency and now, I ca n't buy or sell any of my current cryptocurrency because it gives me an error about having to verify my SSN at XXXXXXXX. ( even though my State ID is verified and there 's no way I 'll get a State ID without SSN ). I have tried over 15 times to get that verified but to no avail. I terribly need the money or at least be able to make transactions on the platform and for about a month now, I ca n't do any of that.
On  XXXX ,  XXXX   XXXX  I contacted Experian in regards to several inquiries on my credit report that I did not authorize. I contacted them after first submitting a dispute online for the accounts. The results returned showing none of these accounts removed from my report. On  Sunday ,  XXXX   XXXX , I received a notification from  XXXX   XXXX , the company that is working on my behalf to help restore credit, stating my credit report had changed. Upon logging into my account it reflected  6  new inquiries to my report as of  XXXX   XXXX ,   XXXX   in addition to those inquiries already on my report prior to the dispute. I contacted Experian again on  XXXX   XXXX  in regards to this and was advised that there are no new inquiries and any inquiries on my report would remain there for 2 years.     The accounts that updated showing negative hard inquiries as of  XXXX   XXXX  were  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Card, and  XXXX .
In XXXX of 2016 I went to XXXX  and purchased 3 cell phones. The person who helped me said that I would pay XXXX for the phones over time and asked if I wanted insurance on the phones? She said it would not cost me anything for the insurance. I accepted and she opened a credit card in my name and put the insurance cost on the card. I am paying XXXX for the phones but I did not know that she would use a credit card to purchase the insurance until I saw a delinquent account on my credit report.
KONDAUR CAPITAL CORP, is attempting to foreclosure on my property with a fraudulent robo signed document. I have requested that XXXX XXXX XXXX XXXX, XXXX, as Trustee of XXXX XXXX XXXX XXXX no longer sign as Attorney in fact for us. It is unconstitutional for my rights to be waived, for I am entitled due process of law. They are going to foreclosure on my home on the courthouse steps without responding to the QWR, debt validation letter, or the proof of claim in which was submitted. I am disputing this debt because we do not owe this amount, nor do we have any contract to with neither Kondaur Capital or XXXX XXXX.
I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.
Charged conveince fees and never fulfilled their end of helping me with loan modifacation or assuming the loan from the trust. Threats of forclosure while in process of catching up on missed payments and being charged fees for checks and post dated checks [ suggested by them ] to stop foreclosure added in to the hundreds of dollars. Late fees were always there even when they had the funds in hand they said that funds must clear instition before due date.
In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.
I have a debt with XXXX XXXX that defaulted in XX/XX/2018. I have explained my financial circumstances to them and repeatedly asked that they only call me on my cell phone and to stop making harassing calls to my family and my spouse. 

Today ( XX/XX/2018 ) they called my husband and when he explained that they had the wrong number the associate proceeded to give him all of the information about my account and the debt. My husband is not and has never been an authorized party on any of my credit accounts. They have also done this to my mother and father. It is embarrassing enough not to be able to pay your debt but for them to repeatedly continue to violate my privacy is unacceptable.
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, XXXX  and TransUnion.
Called several times a day. Some of the charges in the overdue account are due to cramming and therefore they can not assert that I do not owe these charges
The loan servicer, NelNet, continues to make changes to the amount I am supposed to pay, in spite of a letter from them dated XXXX/XXXX/16 acknowledging that I have been approved for the income-driven repayment plan and that my payment will be {$130.00}. First, they deducted several XXXX dollars from my checking account with no notice, this deduction was not authorized and it was unwarranted and incorrect. Now they have for some unexplained reason put my loans into some sort of forbearance with no notice to me or explanation that this is happening. 

I work in a non-profit and all I want to do is make XXXX on time payments so that I can apply for PSLF. 

I think this company is shady and purposely is trying to extend the life of the loans and the capital balance so that they can charge the Dept of Education as much as possible and increase their profits. Some investigative journalist ought to take a look at it. I 'm sure plenty of loan holders and plenty of front line customer service employees will have lots to say.
I contacted Hunter Warfield regarding a collections account on my credit from XXXX in the amount of {$4000.00}. I knew the information they had was inaccurate so asked for specifics which they could not provide. I then contacted the original creditor in hopes of clarifying the facts. I was told they have no records of myself or owing money. At that time I contacted the collections agency again to figure out how they were going to rectify this unfortunate situation and removal of this account from my credit report. It was made clear to me they weren't in any hurry to correct this error. This is bad business and poor customer service!
There are many hard inquiries on my credit without my authorization. On XX/XX/XXXX & XX/XX/2015, XXXX XXXX, XXXX XXXX obtained a copy of my credit report without my authorization. And on XX/XX/2015 XXXX also obtained an unauthorized copy. I requested written proof and none was provided.
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.