WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX
A few months ago i tried to open a checking account at a major bank and was denied due to record with XXXX out of XXXX, MN. I ordered a free report from them and it shows that I am on record for " ACCOUNT ABUSE '' from US Bank. 
I HAD an account with US Bank out of the XXXX, SD branch. Around XX/XX/2015, I had an issue with a potential landlord attempting to steal money from me in the form of an uncashed deposit check for an apartment i never signed a lease for. I contacted US Bank and spoke to a Personal Banker by the name of XXXX ( Last name unknown. ) I advised XXXX of the situation and he told me that my account would be closed that day. 
Few months down the line I get a letter of account closure stating i owe over {$500.00}!! in overdraft fees from other items and automatic payments coming out of the account. XXXX NEVER closed the account like he stated he would. 

Now fast foward two years I can not open an account at a major bank due to a false record on file with XXXX furnished by US Bank. This account should have been closed per my request to XXXX which should be on record at US Bank. I do not owe this {$500.00} balance on the account. I want that deleted and I want that record removed from the XXXX database. 

This is a violation of FCRA by US Bank. They are reporting account abuse on an account they should have closed!
I have an account on my Transunion that was removed and has returned. 
XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016
There are excessive inquiries on my account that I did not authorize, I would like them taken off asap. Here is a current list : XXXX XXXX- 4 Times XXXX XXXX-7 Times XXXX XXXX- 13 Times XXXX- 3 Times XXXX XXXX- 3 Times XXXX XXXX- 6 Times XXXX XXXX- 12 Times XXXX XXXX- 4 Times XXXX XXXX- 4 Times XXXX- 3 Times XXXX- 5 Times XXXX XXXX XXXX- 4  Times XXXX XXXX-2 Times XXXX- 2 Times XXXX XXXX - 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX-3 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-2 Times XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- 2 Times XXXX XXXX XXXX XXXX XXXX and XXXX There has been fraud on my accounts since my ID and Social Security card along with the rest of my cards were stolen. I did not authorize all of these inquiries. I want these inquiries taken off of my account. I do have police reports and notifications from the detective involved who did send a notice out about identity theft and protection. Please let me know if I can provide you with anymore information. Thank you!
Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XX/XX/XXXX.
Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX, Tire Dealers XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. 
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX   XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX   XXXX, FL XXXX
On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and report.
BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit.
I am currently having my mortgage being serviced by US Bank Home Mortgage. Due to banking error and ACH bank draft issue - my mortgage fell 5 months behind. I attempted to get back on cycle with USBHM in XXXX 2016, however USBHM, indicated that account was in delinquency status and needed to have current and all past-due payments. So currently, past due payments have " ballooned '' to $ XXXX+ in back payments and late fees. Additionally, I requested to participate in the US Bank Home Mortgage Assistance /Loss Mitigation Program but was denied further participation in program, along with a workout option. I am currently appealing this decision and await and hopeful a favorable reply with my request. I have also made two recent mortgage payments to USHM - on XXXX 2016 and XXXX 2016. Please note since USBHM has serviced this account and up until this point, my payments have been timely. Additionally, I have been a US Bank account holder - for 17+ years.
To Whom It May Concern, My name is XXXX XXXX, phone number XXXX. I have been a loyal customer to Citibank for years. I was always proud of the customer service and the banking services that Citibank provides. 

For almost two weeks I have been trying to ask CitiBank to save me and my account from an agent who committed a discriminatory act against me and harmed my credit intentionally but they emailed me saying " we are sorry we can not do anything to assist you please contact the presidential office. 
The story begins when I called Citibank to talk to a credit department to increase the credit limit for my forward card. 

A Citibank employee named XXXX replied to me and started the process. Part of the process is to verify the identity of the applicant via calling him by phone. XXXX asked to hung up the phone to call me. But, he never called. Instead, he decided to reject my application and went to a break time. 

After waiting for XXXX, long time, I decided to call back to check why XXXX did not call me. I was astonished to hear that he rejected my application without mentioning a reason. I asked to talk to the credit department. The customer service agent named ; XXXX ; said that the credit department said they do not want to serve you ; I asked him to record this on my file that the department decided not to talk or help me. I asked XXXX also to refer me to the manager. 

The manager of the customer service was so helpful and called the credit department but the credit department said that " I was approved then I was rejected because XXXX could not reach me via phone. '' XXXX never called me or even try to call me. XXXX decided to cause harm to my credit score and causes inconvenience to me by deciding not to call me and rejecting my application for the credit increase. He discriminated me may be because of my name or my accent. 

I filed serval complained with Citibank but all of them were ignored and finally they told me they are going to send me the reason for denying. They never mailed me the reason. For few second the posted a message on my account saying I was rejected because I have not updated my phone number in the fraud alert and they removed the message quickly from my account. They removed it because it was wrong, my fraud alert has my number long time ago and I managed to use it when I applied for servers credit card and also when I increase my credit limits for other Citibank credit card on XXXX XXXX, 2016. 
My credit score has negatively been affected by Citibank agent act and I am emotionally been affected and put a lot of stress on me. This is especially after all Citibank customer service informed me that they did a mistake but they can not help me and I have no way to get my right back. 
I never had such racial discrimination in my life. Please help me stopping such discrimination and any potential harm from Citibank employee and get my right by fixing my score they harmed. 

Look forward to hearing from you, XXXX
I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.
We are writing this letter to your organization in regards to false information and charges by XXXX XXXX XXXX and National Credit Systems. In particular, we are incensed that this creditor is trying to export more money than is called for from the XXXX XXXX Magistrate court.. 

The collection agency and XXXX XXXX Apartments have both conspired to send false and incorrect information to the major credit bureaus. Substantiating information is described as follows : 1. On XXXX/XXXX/2016, the XXXX XXXX XXXX Court entered a Judgement on the Pleadings in the amount of {$1700.00} against the defendant ( s ). The judgement amount included court filing fees, bills due for water, a trash pick-up fee and included past due rent amount accruing from XXXX/XXXX/16 to XXXX/XXXX/16. 
2. In full compliance with the court 's order to vacate the premises, the defendants vacated the apartment on XXXX/XXXX/16 as stated in the court order. 
3. On the morning of XXXX/XXXX/16, XXXX of the defendants walked through the apartment with the apartment complex manager, XXXX XXXX XXXX. At the completion of the walk thru, the apartment complex manager provided us with a Move Out Procedures/Checklist which clearly indicated that there were no damages to the apartment at all. The apartment was left completely clean and in the same clean state as on the day that they moved in, XXXX/XXXX/16. 
4. Sometime after XXXX/XXXX/16, the defendants received a move out statement from XXXX XXXX XXXX. Charges on this statement {$4500.00} which is {$2700.00} more that the court ordered amount of {$1700.00}. 
5. The XXXX XXXX XXXX move out statement shows charges that are false and misleading. As described previously, our move out date was on XXXX/XXXX/16, with the apartment being inspected on XXXX/XXXX/16. The move out statement from XXXX XXXX shows charges which are not listed on the XXXX/XXXX/16 magistrate court order. 
6. The XXXX Move Out Statement shows rent for the entire month of XXXX 2016 which is in conflict with the court judgement ordering rental charges through XXXX/XXXX/16 only and not for the entire month of XXXX 2016. 
7. The XXXX/XXXX/16 XXXX XXXX XXXX Move Out Procedures/Checklist also shows that there were no damages to the apartment at the walk-thru with the apartment rental manager. This document is in conflict with the {$2000.00} for stipulated damages for the XXXX/XXXX/16 date as listed on the move out statement. 

Any and all additional charges that are not on the magistrate court order and especially for any charges on dates such as XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 are illegal and indicate the submission of false information for the collection of funds which are in excess of the amount stipulated in a court order. 

We mailed documentation to XXXX via certified mail on XXXX/XXXX/16 and have not received any response back from them at all.
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX  a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX   XXXX. There are multiple e-mails attesting to this fact. XXXX   XXXX  opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX
I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money. 
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?
Called an ex husband of 10+ years stating that they needed to locate me, XXXX, I have not have contact with this person for a very long time.. I called the XXXX contact number that global trust management llc used and informed them not to contact any other number than mine, they again called again under a different number and did the same thing, XXXX XXXX is the one who keeps calling, I against XXXX called her and informed her once again only to call my personal phone number
I h ad 3 auto loans with  XXXX  and was late one x for 20 days on one  xloan but chase is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
my mortgage account with XXXX XXXX shows as not current for over a year when the account has been on automatic withdraw from my checking account
A vehicle that I previously owned was taken into impound. I have shared the report of sale from Washington state, and the name and contact information of the buyer with the credit agency, yet they refuse to remove this from my record. It is seriously affecting my once stellar credit rating, costing me time and money in my real estate transactions.
I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?
I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof.
I have been disputing with Equifax since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few failure to notate account is disputed by consumer, loan type incorrect, balance amount wrong, how is it scheduled payments on closed account.Theres a lot more errors please see attached files. 
Also XXXX XXXX  Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few failure to note account is disputed by consumer, charge off amount different from balance, original monthly payments inaccurate.There are a lot more errors on account please review attached files. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. 
Additionally XXXX XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well.Just to name a few failure to notate account is disputed by consumer, debt buyer who bought debt not listed.Please see attached file for additional errors. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.
On or around XXXX XXXX, Rent Recovery Solutions placed several calls to me stating I owed money to XXXX XXXX XXXX XXXX. I told them over the phone I had no clue who they were and I have never done business with them. The Rent Recovery Solutions spokesperson stated that it would be reporting to my credit report. Sure enough, it has reported to XXXX and XXXX. I filed a dispute with both companies and XXXX deleted the collection after investigating and determining it to be fraudulent. XXXX has been investigating it for over a month at this point. I am attempting to purchase a home however this fraudulent information is damaging my ability to do so. I request that the CFPB on my behalf contact XXXX and anyone required to remove this collection from my reports. I have filed a police report with The XXXX of XXXX Police. 
The collection is titled : RENT RECOVERY SOLUTIONS Ammount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.