WillisBack/dataset-financial-user-claim huggingface dataset:
I have an American Express Serve Prepaid Account, card number XXXX and XXXX sub-accounts. XXXX of my sub-account holders is XXXX XXXX. 
The sub-account card for XXXX XXXX was lost and I promptly called the American Express Serve customer service number to report the card lost and also notify them of the unauthorized transactions found on the account online. 
There were XXXX posted unauthorized transactions at the time of my call, from XXXX different mechants, for the amount of {$1700.00} and they were disputed. I was sent a dispute declaration form on Friday XXXX/XXXX/2015 which I filled out and sent back by fax, same day. 
To my surprise, I received an email from American Express, stating that my Serve account has been suspended, and all my sub-accounts closed. I also got an email saying my disputed transitions ' claim was denied and never got my money back. 
The case for unauthorized transactions was reported Friday, and by Monday morning, American Express has concluded their investigation and denied me fair hearing, as stipulated by the banking laws. 
I Calle the Merchants in question, and some of them never got a call or Email or mail from American Express, regarding my case. So the question is, what was investigated?
Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer
TSI Transworld Systems Inc, is reporting 3 medical accounts to the major credit bureau agencies. I have repeatedly asked for an itemized copy of the charges that reflects what I am being billed for, how much and by whom. However, they fail to respond. ALL of my medical bills were paid by my insurance provider shortly after the time of service. I highly suggest they submit the info to the insurance provider for payment. I am not liable for any debt. In the interim they are and have repeatedly violated the FCRA, FDCPA and other stated and federal laws. I am demanding that this erroneous information be deleted from all 3 of my bureaus immediately ( XXXX XXXX. XXXX  and XXXX  )
Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their bank.
Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? 
He sounded like a scam artist.
I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.
Ditch Financial grossly underestimated escrow. Our payments per month have gone up near four hundred dollars. We were approved for the loan based on our income which has not changed. We agreed to the loan based on what we can afford. This has not happened to other properties in our area. We feel this is predatory lending.
I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.
The credit item was disputed and removed from my Transunion credit file. It then was reinserted at a later date without informing me of this in writing within 5 business days. The collection item is XXXX XXXX from my Transunion Credit file.
XXXX Hospital sent my account to Financial Recoveries, a collections agency after I had been paying consistently on my account for 2-3 years, never missed a payment, and was never late. After many attempts to straighten this out, especially when they started reporting erroneous information to the credit bureaus, they are still reporting ( Financial Recoveries ) erroneous information. I sent documentation and proof of my payments to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX took care of the issue, but XXXX is still letting this company report this information and it is wreaking havoc with my excellent credit history. I told Financial Recoveries that the information they are sending to XXXX is falsely accusing me of being " late '', they argued that that is not what it says, I told them I was looking at my credit report and that is indeed what is being reported, and still nothing is being done about it.
This debt was sold to the creditor from a different company. I did not go into contract with portfolio recovery and they are unable to produce paperwork stating that I have a contract with their company.
On my transunion credit report it is reporting that my XXXX account is an adverse account yet the pay status shows : Current : paid or paying as agreed. I have disputed this many times and it has been corrected with XXXX and the account shows as a positive account on my credit report. Transunion sent me a copy of the results from the investigation and it is still reporting as adverse with 1 late payment back in XX/XX/2017. I have contacted the creditor about this issue and was told to dispute it and they will respond that the account is current and always has been. There was a discrepency at that time with payments I had made to the account but it has been rectified since then and determined that the account has never been paid late. I am furious that this is ongoing and still has not been corrected. If XXXX was able to resolve the issue and put the account under accounts that are satisfactory then why is transunion still not fixing this problem? It makes no sense because the status is a positive one so it should not be listed under accounts that are potentially negative.
I was sued from XXXX XXXX hospital for not paying a medical bill. The hospital sent my accounts to a debt collection law office called John E. Lindner Law Offices in XXXX, MD. I received a notification from their office with two options to settle this dispute. One was to appear in court or make payment arrangements to avoid from going to court. In XX/XX/2018 I called and spoke to Mrs. XXXX from John E. Lindner Law Offices in XXXX, MD to receive an update on the balance I owe and it was {$2000.00}. I spoke with Mrs. XXXX about all three accounts in XX/XX/2018 to receive the balance of what I owe again. She told me the total balance for all three accounts are still {$2000.00}. I asked her if I can receive a statement because I believe the amount never moved since XX/XX/2018. She assured me that she would send me a statement in the mail and I never received it. I called her again XX/XX/2018 to settle a dispute because the payments for two of the accounts stop posting to my credit card being that we had an agreement for monthly payments to be charged to my credit card. So we settled a payment plan for both accounts for the next 8 months. I asked her about the balance again and she said it still is {$2000.00} which I find that hard to believe because I made several payments since then. I am not sure what to do at this point since they haven't mailed me a statement and I am not sure if the payments are going only to interest or towards interest and the bill. If it is only going to interest, what are you charging because that it a substantial amount to charge for interest.
Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.
I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?
For almost an entire year, I 've been trying to work with Transunion to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Transunion is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;   XXXX    XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Transunion because this is not the information I receive when I contact these companies individually. For months, Transunion has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.
Dear Sir, As per the Experian credit report dated XX/XX/XXXX, I observed that XXXX  ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) did fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX in my credit file. I did not contact XXXX  on these dates and these are fraudulent inquires on my credit report, which are associated to my name, my rental and business address, social, date of birth and various identification details.

Could CFPB direct Experian to explain the reasons in written letter ( one copy to CFPB and one copy to me for Honorable Court Proceedings ) for these inquiries dated XX/XX/XXXX, which were not authorized by me. Could CFPB direct Experian to remove XXXX   fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX   XXXX, DE XXXX ) from credit report.

I had only two XXXX  credit cards, which were closed on XX/XX/XXXX and XX/XX/XXXX. I do not have any kind of business or loans or insurance with XXXX  for last 12 years.

XXXX has done considerable amount of Soft Inquiries in my credit report without my authorization and without my consent. This is the 14th Fraudulent inquiry for last one year ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX  in my credit file. its a crime, fraud and identification theft if anybody has taken any home loan or personal loan or auto or insurance or any kind of financial activity or any kind of inquiry using my social, name, rental and business address and various identification details. Experian credit file has been locked on XX/XX/XXXX as per the Law Enforcement Directions, also for court records. Also, all my individual XXXX credit cards were closed on XX/XX/XXXX, I do not have any business with XXXX and I also do not have any plans to have any kind of business with XXXX  for endless/infinite period of time. Experian informed to CFPB that identity thieves can apply mortgage loan application, financial activity and insurance by doing soft inquiry on my credit file, which is causing considerable amount of damage and nuisance to me. I have informed to Experian to block all the promotional offers and all the credit inquiries in my file, also all the XXXX fraudulent soft inquires ( around 14 fraudulent inquiries for last one year, every complaint associated to CFPB complaint number ) but Experian itself entertaining these nonstop fraudulent inquiries and causing considerable amount of damage, nuisance, disturbance and privacy. Could CFPB kindly direct my complaint to Respective Federal and Start Sheriff 's office and initiate appropriate action against XXXX  and Experian. Experian holds the complete legal accountability and responsibility for any kind of tragedy and accountability for these nonstop XXXX  fraudulent inquiries in my credit report ( every month, most of the times XX/XX/XXXX or XX/XX/XXXX of every month, someone might have taken loan or insurance using my identity, social and various identification details ). There should not be any account associated to my name, social, rental and business address and any kind of identification details.
Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.
I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay it.
To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
THIS IS ANOTHER STUDENT LOAN ACCOUNT THAT I HAVE DISPUTED WITH THE CREDIT BUREAUS AS BEING INACCURATE. I CONTACTED THIS COMPANY REQUESTING VALIDATION OF THE ACCOUNT, THE DEBT AND THE NEGATIVE INFORMATION THEY HAVE REPORTED ON MY FILE. I NEVER RECEIVED A RESPONSE FROM THE COMPANY AS TO WHY THEY ARE CONTINUOUSLY REPORTING NEGATIVE INFORMATION. THEY ARE REPORTING MY ACCOUNTS AS IN BANKRUPTCY WHEN IN FACT THESE ACCOUNTS ARE NOT IN BANKRUPTCY, THEY ARE CONSOLIDATED WITH ANOTHER LENDER AND ARE CURRENT. BY LAW THIS COMPANY IS SUPPOSED TO RESPOND TO MY REQUEST TO VALIDATE THIER CLAIM REGARDING THIS ACCOUNT AS WELL AS PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THE NEGATIVE ACCOUNT. I WOULD ALSO LIKE TO KNOW WHAT COMPETENT EVIDENCE THEY ARE PROVIDING TO THE CREDIT BUREAUS WHEN I DISPUTED THIER ACCOUNT AND THE NEGATIVE INFORMATION THEY ARE REPORTING.
I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX   '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
I have XXXX loans with Navient. XXXX loan, I can monitor myself online, have autopay set up and maintain. I am the student, graduated in XXXX. The second loan, I have a cosigner. A relative whom does not want to be cosigner. Around XXXX I filed for bankruptcy and was removed of liability of loan with cosigner. However, I still make the payments on this loan. After filing bankruptcy, Navient did not allow access of any information of the loan to me. They said cosigner needs to give ok. The relative lives in another state, making it so difficult for me to monitor my account. Not being able to take advantage of auto pay, denying me access to interest I paid for tax purposes. When asked to remove my cosigner, they made the transferring of ownership too difficult. I have loans with XXXX and XXXX success and maintaining loans with Navient has been the worst experience for both myself and my cosigner. I have to request my relative to check my balance and inform me an I never get to check if there 's an error since I 'm denied any information. I should be able to remove my cosigner and have access to my account like all other loans since I am the one making the payments.
equfiax and XXXX taking way to long over 30 days to fix a ftc claim fca
I 've only received emails from XXXX different banks. All of them asked me to click on the link provided in the email to verify the accounts. I did not do that because they are not mine. I replied to one of the email accounts with Chase Bank stating I was not the individual associated with the account. There was not a telephone number to call so replying to the email was the only way I knew how I might be able to communicate. I 've received about six emails from Chase Bank since XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the account has been accessed from an unauthorized location. I do not have a XXXX account but there was a phone number to call for this bank. 
XX/XX/XXXX, I received an email from XXXX stating they were contacting me to inform me that their security department identified unusual activity in my account. In this email there was only a link to click on to verify the account but no telephone number. This is again, not my account. 
I am being sued for a debt that I do not believe to be mine as well and inquired about an investigation concerning this as well as placing a fraud alert at the XXXX credit reporting agencies. 
I am not sure how to attach these emails to this website. If you can help me with that I would appreciate it. 

XXXX
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
It is showing on my credit reports that Capital One Auto Finance did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Capital One Auto Finance responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.