WillisBack/dataset-financial-user-claim huggingface dataset:
We discovered someone within our company was writing fraudulent checks to them self and a second person not working for the company. We contacted XXXX XXXX at Fifth Third Bank to let her know what we had discovered and requested additional prior months going back to 2010. ( She is our local branch manager. ) We asked for those images several more times from XXXX XXXX, but did not receive those. In XX/XX/XXXX we stopped receiving the canceled check images with our monthly statements all together. They had also changed the format of our online banking so that check images would have to be view individually, taking hours to reconcile. We made several attempts to get this changed, including calling XXXX XXXX and Fifth Third 's  customer service. We noticed that when we call the listed branch telephone number we are routed to a call center. They provided XXXX XXXX 's direct line, which is disconnected. Since we did n't get any response from XXXX XXXX, we called the Regional Manager, XXXX XXXX. We called three times and left two voicemails with no response. At this point we are seriously considering closing out our account completely. Employees working for Fifth Third are withholding information about our business account and allowing someone to defraud me.
I have direct deposit with Rushcard, and I was out of town and my card would n't work. When I tried calling Rushcard 's XXXX number, I could not get anyone to answer. My latest deposit should have been deposited on XXXX XXXX, 2015. It was not until I was able to make it back home with no money that I realized that my card would n't work anywhere. Then I discovered I could not access their customer service, and I could n't go to an ATM to withdraw money and I am now behind on all of my bills. I can not get any of my money out from my direct deposit once I finally was able to go online ; it shows that they reactivated an old expired card and placed money on it, but now since I do n't have the card anymore and it 's no longer valid, my money is still locked up in their system! I am past due on all my bills and now I 'm having to borrow money to get to work. Their false promises on social media asking for my name and address and phone number to call me is getting no results, because no has contacted me since all of of this has happened. Please help me recover my hard-earned money ; this is my last resort!
CHEXSYSTEMS COMMITS XXXX DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
I contacted you on XXXX XXXX, 2012 about the money removed from my Chase Account. I have made many attempts to get my money returned. All of my attempts have failed.
I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails
I have a credit card with XXXX XXXX and have asked them not to get calling my place of employment when I didn't give them the phone number. They called my employer today XX/XX/2018 twice and then employer asked them to stop calling also.
I believe I am a victim of Predatory Lending. Below is a detailed account : 1. My interest rate is 6 % for a Conventional Loan.

2. There are 8 excessive hard credit inquiries on my credit report from the same lender with a few of them occurring on the same dates. Dates are : XX/XX/XXXX ( 3 times ), XX/XX/XXXX ( 3 times ) and the last one was XX/XX/XXXX ( 2 times ). 
3. My Mortgage payment is unaffordable- {$1500.00} I feel that I have been taken advantage of. My file was submitted to underwriting on XX/XX/XXXX and I received conditional approval on XX/XX/XXXX via email. I electronically signed the initial closing disclosure on XX/XX/XXXX and the disclosure stated my expected closing date was to be XX/XX/XXXX. However, I never closed on the loan. I called the branch and wasnt able to get a firm answer as to why. On the morning of XX/XX/XXXX, I went to the branch and spoke with the loan officer and branch manager on site. I was told my status for the loan was now refer with caution. Furthermore, when I met with the loan officer and branch manager, both  gentlemen appeared to be under the influence. There was an odor of XXXX and it came from the manager who was sitting directly to my left. As I expressed my concerns, the loan officer sitting across from me at the table was slouched down in his chair and his eyes were red. After asking a few questions, further investigation and reviewing my most recent credit report, I saw that the mortgage company put 8 hard credit inquiries on my credit file since XX/XX/XXXX. 

If needed, I have a witness that is willing to write a statement regarding the details above.
I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?
To whom it may concern : In XX/XX/XXXX of this year, a friend of mine suggested that I take a short trip to the local XXXX XXXX  retail location, and talk with his " friend '' about a part time employment opportunity. Right then and there we got in the car, arrived at the location in XXXX, CA, and I met with the manager " friend '' We like one another, he then asked me to come back for a " short interview '' and about three days later I did just that. We spoke for a matter of minutes, and we mutually decided that this was a go. At that time, I went to a computer as provided in the store, and completed a quick questionnaire, that was obviously going to lead to a background check. 
Since I have a license to XXXX XXXX with the XXXX, as well as the California Department of XXXX XXXX, both of which performed extensive background checks prior to enabling me to qualify for and receive the licenses, I saw no problem with the background check as requested by XXXX XXXX  ... and provided by a firm by the name of Accurate Background. Before I go any further, I would like to add that every time ( such is sometimes necessary in this industry ) I changed XXXX companies/employers, they also pulled background checks. Each and every time, there was never a problem. 

Unfortunately, after applying for this part time position ( a position that I would still like to have as a supplement to my income ) Accurate Background supplied a background check to my employer to be, and the data contained ( including but not limited to my DATE OF BIRTH were grossly INaccurate. 

In essence, the report that they supplied was so far from reality, that I can easily understand why XXXX XXXX ( after several weeks ) decided that they wanted nothing to do with me. As an example, I had a dui almost 8 years ago, no injuries, an unfortunate event. However, they reported me as doing XXXX  time for some 300 plus days ... I did not spend one day in XXXX. Naturally your average individual who reviews a background check and sees that this person ( allegedly/incorrectly ) spent nearly a YEAR IN XXXX, must have done something very bad. 

As I stated via the click throughs, I have attempted to get clarity with Accurate Background all to no avail, other than the fact that they corrected my birthdate! 

I had what I and the manager thought was a turn key opportunity to make some money, realize a ( albeit nominal ) benefit package ) however, because of a highly erroneous report, I was denied employment. 

Lastly, my concern ( s ) go further than just this specific lost opportunity, I am also concerned about the ( probable? ) collateral damage this report may have / may cause going forward. 

Thank you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX
Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!
A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.
I previously opened a complaint on this company on XX/XX/18. The complaint # was XXXX. 

Here is what I indicated : The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life. 

The company responded with the following on XX/XX/18 : Due to XXXX regulations, we are unable to provide consumer with account information. She disputed account through credit bureaus and the account was verified as all the information matched. The consumer may contact XXXX at XXXX ext XXXX to obtain an itemized bill for the charges. 
********************* I have called this company on numerous occasions and have yet to get someone to answer the phone. I did a web search on this company and every review has the same response that they will not answer the phone. I question the legitimacy of this company. I called the extension listed and the phone continued to ring for an " XXXX '' that never answers the phone. I tried selecting other extensions and still no answer. At this point I am really fed up and I want this issue to be resolved. They refuse to remove the item from my credit report but they can't even pick up a phone.
I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX 2015. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 )  Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX  ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
To : CFPB From : XXXX XXXX Re : Application for credit card & mistreatment from the XXXX, XXXX XXXX, XXXX office Application : # hidden To whom it may concern : Hello, my name is XXXX and I am an applicant for an American Express Platinum card. 

I was referred to American Express by a longtime user and client, my mother. 

Since then, the process has been miserable and rife with confusion, misrepresentation and blatant harassment. 

As part of my application, American Express requested additional documentation. That is no problem. That said, I use an online only bank called Simple. They do not have branches. There are no direct lines to speak to my banker. This antiquated way of thinking has led to Amex employees talking down to me and my husband essentially alluding to the fact that we may not be a worthy customer because we dont use a real bank like XXXX. 

We have complied with all requests from American Express. The last part of the process is that they want to speak to a banker at XXXX. Also, fine. According to bank supervisor XXXX from a conversation on XX/XX/XXXX, he just needed to speak to someone that would confirm the signor of the letter worked for simple. 

Today on XX/XX/XXXX, that was completed. Then, supervisor XXXX from the same Amex office said that was not good enough and he needed to speak to the actual signer of the letter. That would be like finding a needle in a haystack. These are employee bankers that take calls from a call que and handle calls as they come in. They do not have direct lines. 

The banker even offered to call Amex. That was also not acceptable to XXXX or XXXX. Their expectation is that they can call someone directly, but are unwilling to let XXXX call them. This is a classic case of not even allowing a possibility of moving forward with Amex which feels very much like a discriminatory practice targeted specifically at me. 

In the effort to reduce fraud they have marginalized a potential customer that was referred by her mother and misrepresented your process to me continually in a sexist and classist way that is beyond offensive. 

It is unacceptable to not provide a path forward to a customer, provide solutions, and then walk back from those solutions. I have now spent nearly 10 hours and many days of frustration with American Express. It is confounding and deeply disappointing. 

Please help me CFPB! 

XXXX
Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering me.
TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.
I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XXXX XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Equifax has placed an erroneous collection ( s ) on my credit file involution of the FCRA and XXXX identified as XXXX REPORTED ON XXXX XXXX, 2016 OPENED XXXX XXXX, 2016 with no account number nor a point of contact for this debt. THIS IS NOT MY ACCOUNT AND I DEMAND THAT IS REMOVED! 
I believe this is a form of retaliation for filing my complaint ( s ) with the Bureau of Consumer Financial Protection. I have incurred damages from the constants negligence from denial of credit and having to pay for fraud protection from a third party.
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to Transunion and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
I 've recently discovered that poor loan servicing by Ocwen for my rental property is causing my credit report to reflect incorrect delinquent payments ; which in turn is negatively affecting my risk profile with financial institution for loans, such as a HELOC. 

I 'm not sure why but it looks like - for some months - Ocwen is not applying my mortgage payments when they arrive from my XXXX account. Moreover, they 're marking my account with delinquency notices. 

I 've enclosed an example of a delinquency letter I received from Ocwen and documentation verifying that I am indeed making mortgage payments that Ocwen is choosing to delay in crediting my account. 

In the attached document, you 'll find : - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that was n't credited to my account until XX/XX/XXXX - a XX/XX/XXXX payment that is n't reflected in my payment history
I am writing because I have been disputing an item PRESTIGE FINANCIAL SVCS on my credit report that is inaccurate and out of date. I have disputed this items several times with no results. The company should have removed it back in XX/XX/XXXX but keep updating the information as if the account is still opened. 
This account was closed in XX/XX/XXXX due to vehicle repossession through bankruptcy dismissal and placed in collections for the balance different after the car was resold in XX/XX/XXXX.