WillisBack/dataset-financial-user-claim huggingface dataset:
in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank
A letter was sent to Transunion on XXXX/XXXX/16 regarding XXXX accounts from XXXX XXXX reporting a balance of {$460.00} and {$480.00} on XXXX/XXXX/16. A letter was sent directly to the creditor regarding the validity of the account. The letter was returned as undeliverable yet Transunion continues to report this inaccurate information.
I signed up for the British Airways Visa credit card from Chase Bank under a XXXX British XXXX points sign up promotion. Here are the details of the promotion : XXXX XXXX after spending {$2000.00} in the first 3 months XXXX XXXX after spending {$10000.00} in the first year XXXX XXXX after spending an additional {$10000.00} XXXX : XXXX XXXX after spending {$20000.00} in the first year I spent over $ 20XXXX on the credit card within the first 3 months of opening the card. I was only given XXXX XXXX instead of XXXX XXXX as the promotion stated. I called Chase and they claim that I signed up for the card under a different sign up channel that was only XXXX XXXX and the first year annual fee waived. This is incorrect - I signed up under the correct channel under the XXXX XXXX promotion. Chase can not provide any proof that I signed up under the wrong channel and I also informed that at the time of sign up the XXXX XXXX promotion was a current and public sign up offer and the ONLY offer at the time. Therefore, even if I wanted to sign up for the XXXX offer that Chase is claiming that I signed up for which was during the months of XX/XX/XXXX 2015 I could not. I spent over $ 20k on the Chase card based on the public promotion that was also the only sign up option at the time of sign up. 
In addition, if you XXXX XXXX British Airways Chase promotion - there are multiple websites stating this public promotion. 
When I requested Chase to provide proof that I signed up under the wrong channel they could not provide it. 
I also closed the account based on the false information that they provided me.
4. ONEMAIN - XX/XX/XXXX - UNATHORIZED INQUIRY 5.  XXXX XXXX - XX/XX/XXXX - UNATHORIZED INQUIRY 6. XXXX XXXX - XX/XX/XXXX -, UNATHORIZED INQUIRY
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I have contacted Transunion to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
Number used is XXXX. They reference file # XXXX. They even have my home address. However, they are looking for a XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Debt agencies have been after this XXXX XXXX XXXX ( who apparently lives or lived at one point in XXXX XXXX  ). The tough part is that he and I apparently share the same last 4 digits of our SS #. So I give them my first 3 digits, and that usually solves the issue. If not, then they ask for DOB and I give it as XXXX XXXX XXXX does not share my same DOB. I provided BOTH to the person at the above number, and they accused me of lying to them about who I am. They wanted me to send them a copy of my driver 's license to prove I am who I say I am. I told them that the information I provided was more than sufficient to prove I am not XXXX XXXX XXXX. The gentleman then started threatening me with his legal department, and I accused him of harassing an innocent individual. He hung up on me and did not finish the conversation.
I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt. 
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling. 

Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.
May of sent to wrong company but this is what your program out lined this is to the CFPB I request a Formal investigation of there credit reporting they are being deceitful
XX/XX/XXXX I started looking for a home to purchase in XXXX, GA. I was pre approved for {$180000.00} found a home packed up a XXXX and drove down to XXXX. This entire process took place by email, phone, and by mom on my behalf who live in XXXX. Gave {$1000.00} in earnest money to my realtor. Once I got to XXXX I never closed but I also was't denied. I was in limbo I was told that if i got denied on my part I would n't get any money back. If it was their fault I would get {$750.00}. XXXX this day I have n't gotten a straight answer from the lender or the realtor.
I explained to portfolio recovery to take my number off and to contact me only by mail and the representative tried to argue about taking my number off and I disconnected the call.
I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.
ETrade bank alerted me to ( XXXX ) fraudulent purchase transactions on my debit card before they posted to my checking account. The next day they posted to my account deducting the funds because they claim they are powerless to stop them from posting. Day after day after day they refuse to refund me the amounts of those transactions.THIS IS AN OUTRAGE!!! They also charged me overdraft fees on top of it!!! Amazing. The ETrade bank fraud department is a JOKE. It 's there to give the appearance that they will protect you against fraud ... they actually do NOTHING. The head of the fraud department told me that it is their policy to impose a processing period of 90 days before crediting back the fraudulent transactions even if the merchants have already done so!!! CROOKED!!!
XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
I am am a victom of Identity theft. I have submitted a police report, an FTC affidavit, supporting identification docs, and letters disputing these fraudulent accts and collections and submitted to the credit bureaus. I sent these documents out XX/XX/XXXX. They have by law, 30 days, 45 max to reply me with evidence that these are mine with proof from the disputed lender or they must remove the fraudulent items. It is now XX/XX/XXXX, I called today to follow up. I spoke with 2 supervisors. They informed me the disputed acct was still reporting on Equifax due to that the lender told them it was mine. I told themXXXX and XXXX have already removed it. The replied that the lendor said it was mine. I asked, '' Did the lender provide you proof it was mine? Have you done your legal duty of supplying me proof it was mine? '' the supervisor said, " No they have not provided proof. I am not able to remove it at this time. I informed her that the law requires you to remove it after 30 days if the lender can not provide proof and if they do, you are to provide proof to me. Neither of these has been done so you must remove it. '' She said she could not at this time. This is a direct violation of the law.
I did not sign up for overdraft protection but I was charged an overdraft fee and my account went negative. This seems like deceptive practices at best. It was an automatic car insurance payment if that makes a difference. It feels not fair and the person on customer service was not willing to help me even after I explained I did not sign up for overdraft protection. I feel cheated.
I sent an investigation request to the credit bureaus on XX/XX/XXXX. XXXX and Experian have not responded yet, and they're supposed to respond within 30 days.
Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX.
I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late.
They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle.
Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.
I have banked with Regions bank several times in the past, most recently from XX/XX/XXXX to XX/XX/XXXX, a which time I had both checking and savings accounts, business checking and savings accounts and a personal line of credit of {$2500.00}. In XX/XX/XXXX payment on my line of credit was coming due and I transferred more than {$2400.00} from my checking account to make the payment. The next day I transferred a similar amount from the line of credit back into my checking account in order to pay other bills. Shortly thereafter I noticed that Regions had added the original payment amount ( made to my line of credit ) back into my checking account and debited my line of credit the same amount, while at the same time reversing the payment I had made to it. This increased my line of credit debt to twice its original amount. A series of penalty fees then charged to me on both my checking account an line of credit. Because I had a similar experience in early XX/XX/XXXX, where transactions recorded on my online accounts mysteriously disappeared from those accounts and I had not printed out the transaction results to verify them, this time in XX/XX/XXXX I did print out verification. I have tried to negotiate with Regions on multiple occasions without success. I asked them to simply remove the penalty fees from my accounts and I would pay off the total balance on my line of credit in XXXX or fewer months. They refused. I then threatened them with closing all my accounts and not paying the line of credit unless they removed the unfair fees and allowed me to payoff the true amount owed on my line of credit ( somewhat less than {$5000.00} ). Again they refused. 

I researched complaints against Regions at that time in XX/XX/XXXX, and found the vast majority of those to be about all of the " unfair '' late fees, NSF and OD fees Regions levies on their customers. At this time, in my latest attempt to resolve the issue with Regions, I noted the consent order by the XXXX resulting in a {$7.00} XXXX fine against them, as well as a payout of over {$50.00} XXXX back to their customers. I explained to Regions that I would file this complaint if they were not ready to resolve the issue and again they refused.
I previously had services with XXXX between the months of XX/XX/XXXX and XX/XX/XXXX. At the completion of service XXXX provided us with a final statement that has some erroneous charges. XXXX was contacted and informed of these errors and would update the bill to reflect the accurate charges. The erroneous charges were removed and the billing statement was updated. A new bill was to be mailed to the forwarding address of XXXX XXXX XXXX, XXXX, GA XXXX. After waiting approximately two to three weeks I called XXXX who informed that the bill was never sent and that a second request to send the bill will be submitted. Again we waited an instead of having a bill sent to us our account was sent to collections. Over a period of two weeks the collection was removed and XXXX agreed to send us an updated bill via mail, but again it never came. They instead sent to another collection agency. Now as of XX/XX/XXXX XXXX has not sent us a bill and a third collection agency has now made contact in an attempt to collect the debt. 

The last contact made with XXXX to attempt to obtain the bill was on XX/XX/XXXX. A request was made to obtain a bill a copy if the bill. To ensure that a copy would be sent a control number was provided XXXX. This was the order number associate with the request to obtain a copy of the bill. Again this bill has not came and it has been sent to the collection agency. I have previously sent similar complaints to the CFPB in regards to similar activity from XXXX. 

XXXX was contacted on XX/XX/XXXX and was informed that account was charged off. XXXX then refused to provide me a statement but continued to ask for payment. I was told that once I provide payment a statement can be sent to me in the form of a receipt. XXXX is also stating that the account will stay in collections until I pay.
This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  XXXX
On XXXX/XXXX/16 I requested that a wire be sent from my checking account at Capital One to XXXX XXXX XXXX XXXX ( a fully licensed New York State virtual currency dealer ). I had previously sent a wire to the same company XX/XX/XXXX. This time however, the wire was never sent and when I contacted the bank they indicated that my accounts were frozen. Over the next few days I placed numerous calls to Capital One and was directed to either the security dept of XXXX, both of whom have hold times of over an hour. I spent a total of approx 6 hours on hold over a 2 day period only to learn that my accounts were being closed because the wire I requested was being sent to a company which deals in XXXX, a virtual currency. This prohibition is not in their terms & conditions nor in any other pulished material provided by the bank. Apparently Capital One bank considers bitcoin a threat to it 's business model and sees fit to keep people from spending their own money how they see fit. I was annoyed, but it is what it is. I requested that Capital One please transfer the balance in my accounts to my linked account at XXXX XXXX. They said it may take a couple days, but that they would do so. Additionally, they said that I would receive and email detailing why my accounts were closed. That conversation occurred on XX/XX/XXXX. I have tried to follow up many times but the bank has actively avoided speaking to me about the issue. I have been disconnected multiple times while holding for the dept who would be able to provide answers. If it occured once or twice, I would accept that it was just a disconnect ... but when it occurs 5 times and ONLY when I am holding for the XXXX XXXX Dept., then the chances of it being random are astronomically low. They are currently holding approx {$10000.00} and have given no reason for the siezure nor any indication that they will ever return the money. There has been no levy, garnishment, tax siezure or anything of the sort. I have not committed fraud nor am I under investigation for anything ( though I guess if I were, I would n't know about it, would I? ) As far as I know, they can not sieze depositor funds at will with no reason provided. I would like my money please
On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed from my credit report.